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12 Car Insurance Cost-Cutters

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12 Car Insurance Cost-Cutters

Due to the litigious nature of our society and the rising cost of vehicles, car insurance rates are hefty throughout the nation. The bad news is that insurance isn’t likely to lessen in price any time soon. The good news is that there are things that you can do to minimize increases and/or lessen the burden on your wallet. Let’s take a look at 12 tips you can employ to save your driving dollars.

1. Insure Multiple Cars/Drivers
If you obtain a quote from an auto insurance company to insure a single vehicle, you might end up obtaining a higher quote (per vehicle) than if you inquired about insuring several drivers and/or vehicles with that company. This is because insurance companies will offer what amounts to a bulk rate because they want your business, and under some circumstances, they are willing to give you a deal if it means you’ll bring in more of it.

To obtain a discount, ask your agent /insurance company to see if you qualify and get a quote. Generally speaking, multiple drivers must live at the same residence and be related by blood or by marriage. Two non-related people may also be able to obtain a discount; however, they usually must jointly own the vehicle.

Incidentally, some companies may also provide an auto insurance discount if you maintain other policies with the firm (ex. homeowner’s insurance). Check with your agent/insurance company to see if such discounts are available and applicable.

2. Keep A Clean Record
It should go without saying that the more accidents or moving violations an individual has, the more he or she will tend to pay in terms of annual premiums. For those unaware, points are typically assessed to a driver for moving violations. Generally speaking, more points can lead to higher insurance premiums (all else being equal).

3. Take A Defensive Driving Course
Sometimes insurance companies will provide a discount for those that complete an approved defensive driving course. Also, sometimes a driver can reduce the number of points he or she has on his or her license by taking a defensive driving, accident prevention or other course.

Make sure to directly ask your agent/insurance company about this discount before signing up for a class. After all, it’s important that the effort being expended and the cost of the course will translate into a big enough insurance savings. It’s also important that the driver sign up for an accredited course.

4. Shop Around
If your policy has just been renewed and the annual premium has gone up markedly, consider shopping around and obtaining quotes from competing companies. Also, every year or two it probably makes sense to obtain quotes from other companies just in case there is a lower rate out there.

However, remember that cheap doesn’t always mean good and going with the lower-priced company isn’t always the wisest decision. That’s because the insurer’s credit worthiness should also be considered. After all, what good is a policy if the company doesn’t have the wherewithal to pay an insurance claim. To run a check on a particular insurer, consider checking out a site that rates the financial strength of insurance companies (such as A.M. Best ). Financial strength of your insurance company is importnant but, what your contract covers is also very important so, make sure you understand your insurnace contract .

5. Take Mass Transit
When you sign up for insurance, the company will generally issue you a questionnaire. Among the questions it asks might be the number of miles you drive the insured automobile per year.

If you use your vehicle to commute three hours to work every day, you will generally pay more in insurance premiums than someone who only drives one mile a day. If possible, try to use mass transit to rack up fewer miles, keeping in mind that you will usually have to decrease your mileage significantly before incurring a discount. Ask your agent/insurance company about the company’s different mileage thresholds so your efforts won’t be wasted.

6. Select Your Vehicle Carefully
Buying a huge SUV may sound exciting, but insuring a 5,000-pound, top-of-the-line vehicle can be more expensive than insuring a small (but safe) lower-cost commuting car. Also, older cars are often cheaper to insure than their more modern counterparts. Again, speak with your agent/insurance company to find out the exact rates to insure the different vehicles you’re considering before making a purchase. To learn more about choosing a cost-effective vehicle, see Wheels Of A Future Fortune .

7. Consider Raising Your Deductibles
When selecting car insurance, you can typically choose a deductible. or the amount of money you would have to lay out before insurance picks up the tab in the event of an accident, theft or other type of damage to the vehicle. Depending on the policy, deductibles typically range from $250 to $1,000. The catch is that, generally speaking, the lower the deductible, the higher the annual premium. Conversely, the higher the deductible is, the lower the premium. Ask your agent/insurance company how your premium might be affected if you raised your deductible. In some cases, it may make the annual premium better by several percent and put some money back in your pocket; other times, the savings may be minimal.

8. Improve Your Credit Rating
A driver’s record is obviously a big factor in determining auto insurance costs. After all, it makes sense that a driver who has been in lots of accidents could cost the insurance company lots of money. However, folks are sometimes surprised to find that insurance companies may also consider credit ratings when determining insurance premiums.

Why is a person’s credit rating considered? The theory is that individuals who keep their financial situations in ship-shape condition will tend to be more careful when it comes to driving. Regardless of whether that’s true, be aware that your credit rating can be a factor in figuring insurance premiums and do your utmost to keep your credit rating high.

9. Pay Attention to Where You Live
It’s unlikely that you will move to a different location (i.e. state) simply because it has lower car insurance rates. However, when planning a move, the potential change in your car insurance rate is something that you will want to factor into your budget .

10. Drop Unnecessary Coverage
Dropping certain types of coverage can be a slippery slope. After all, nobody can predict if or when an accident will occur. However, if an individual is driving an extremely old automobile that’s on its last legs, it may make sense (depending on the cost, the individual’s driving record and other factors) to drop collision coverage. The reason for this is that were the vehicle to be involved in an accident, the insurance company would likely total the car. If the value of the car is only $1,000 and the collision coverage costs $500 per year, it may not make sense to buy it.

In any case, before making any such decision, consider speaking with your financial advisor and your agent/insurance company. Remember, every situation is different and the decision is up to you.

11. Install Anti-Theft Devices

Individuals have the potential to lower their annual premiums, sometimes by as much as several percent, if they install anti-theft devices. Your agent or insurance company should be able to tell you specifically which devices, when installed, can lower premiums. Car alarms and LoJacks are two types of devices that you might want to inquire about. If your primary motivation for installing an anti-theft device is to lower your insurance premium. make sure to consider whether the cost of adding the device will result in a significant enough savings to be worth the trouble and expense.

12. Question Your Agent
It’s important to note that there may be other potential cost savings to be had in addition to the ones described in this article. In fact, that’s why it often makes sense for you to speak directly with your agent or a representative of the insurance company to ask if there are any special discounts that the company offers for individuals such as military personnel or employees of a certain company. The insurance company may also offer a “good student” rate or some other special savings. You never know what sort of discount pricing might be available for your circumstances, but unless you ask, you probably won’t be able to take advantage of it.

The Bottom Line

The price of auto insurance is likely to continue to rise in the future. However, there are many things you can do to reduce the sting, and hopefully these 12 tips will have you driving in the right direction.


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Whole Life Insurance: Whole Life Rates – Quotes: Farmers Insurance, life insurance premium rates. #Life #insurance #premium #rates


Whole Life Insurance

Whole life insurance is a type of permanent life insurance – that can insure you for a lifetime. Premiums are typically level and guaranteed for the life of the policy.

Whole Life Policies

Whole life is one of the most common types of permanent life insurance offered by Farmers New World Life Insurance Company. Whole life insurance combines a level premium with guaranteed cash values which the policy owner may use to meet a variety of financial goals. 3 Whole life insurance policies may also produce excess credits, which may be used to purchase additional paid-up life insurance, potentially increasing the available death benefit. Best of all, whole life policies may offer generally income tax-free 4 access to cash value and death benefits. 5

Farmers EssentialLife Simple Whole Life 6

Farmers EssentialLifeВ® Simple Whole Life is a modernized whole life insurance policy combining the traditional guarantees of whole life with optional riders (available at additional charge), potential to earn excess credits, and a discount 7 for customers with other Farmers insurance policies.

Farmers EssentialLifeВ® Simple Whole Life features guaranteed level premiums, guaranteed cash values and is payable to age 100. Unlike universal life or variable universal life insurance policies, the cash value, premium requirements, and death benefit of Farmers Simple Whole Life policy do not vary based on prevailing interest rates or market performance. It may be an ideal product for customers seeking maximum certainty with permanent, lifelong coverage.

  • Simplified underwriting
  • Discounts available for customers owning other Farmers policies

  • Fast underwriting decision, after completing the application with your local agent

    Farmers Graded Death Benefit Whole Life 8

    To help prepare for life’s unexpected expenses, the Farmers Graded Benefit Whole Life is a life insurance policy for those who want permanent insurance coverage with guaranteed cash values and guaranteed level premiums with a lower face amount. With a simplified underwriting process, the Farmers Graded Benefit policy could offer otherwise uninsurable individuals an opportunity to obtain permanent whole life coverage.

    • No medical exam, just answer three simple health questions to determine eligibility
    • Guaranteed cash value accumulation
    • Guaranteed death benefit. 9 Limited death benefit during the first two policy years.

    Farmers Premier Whole Life 10

    For level insurance coverage throughout the life of the insured, Farmers Premier Whole Life features guaranteed level premiums and guaranteed cash values.

    • A wide range of face amounts for most financial needs
    • Guaranteed cash value accumulation
    • Option to add several riders and benefits available at an additional charge

    Contact a Farmers agent to learn more about whole life insurance.

    2 Lifetime coverage is guaranteed provided premiums are paid per the terms of the contract.

    3 Policy loans and withdrawals will reduce cash surrender value and death benefit. Policy loans are subject to interest charges. If your policy is a modified endowment contract, loans and withdrawals may be subject to taxes and penalties

    4 Distributions from a life insurance policy in the character of partial surrenders (withdrawals) up to basis or policy loans will generally be income tax free, provided the policy does not violate Modified Endowment Contract (MEC) guidelines and the policy is not terminated during the lifetime of the insured. MEC guidelines are rules in the Internal Revenue Code which specify maximum premiums that can be paid without triggering adverse tax consequences for withdrawals. A policy termination during the life of the insured can cause the owner a single taxable event for any gains in the policy that were borrowed or withdrawn on or before the termination date.

    5 For informational purposes only. In general, partial withdrawals from a permanent life insurance policy in excess of the policy’s basis are taxable, and limited circumstances exist where death proceeds will be taxable. Neither Farmers New World Life Insurance Company, its employees nor its Agents provide legal or tax advice. Always consult your own attorney, accountant or tax adviser as to the legal, financial or tax consequences and advice on any particular transaction.

    6 Policy form 2008-352

    7 Customers qualifying for the Farmers Customer Discount may receive up to a 6% discount on the base premium rate per thousand. Contact your agent for more details.

    8 ICC11-2011-123 or applicable state variation. Farmers Graded Death Benefit Whole Life Insurance policy. Limited death benefit during the first two policy years.

    9 The death benefit is guaranteed according to the terms of the contract and provided that premiums are paid.

    10 Policy form 1995-112 or applicable state variation. (Farmers Premier Endowment at age 100 – IN and PA.)


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    Life Insurance Premium Quick Quotes

    • Insurance costs vary from person to person based on factors including age, health, policy type and amount of coverage.
    • You can start by estimating your cost for our Level Term policies using our Term quote calculator below.
    • This is an estimate only. Your actual premium will be determined after the underwriting process is completed.
    • Permanent life insurance policies are more complex, and we recommend you call us for an illustration of premiums and benefits.

    Find out if you need insurance and how much you may need in three minutes with our Life Wizard.

    To discuss your specific situation, call us at 877-276-9429.

    Please call 877-276-9429 for quotes at face amounts other than those shown above.

    This Level Term Life insurance policy (policy form series TCL-LPT.1) is issued by TIAA-CREF Life Insurance Company (TIAA Life) New York, NY.

    TIAA Life s term life insurance premiums are tiered, with progressive discounts for coverage amounts of $250,000 (to less than $500,000), $500,000 (to less than $1,000,000) and $1,000,000 or more. If you have asked for a quote on an amount close to the next band break (for example, you requested a quote for $450,000 of coverage), you may wish to submit a second quote request (in this case for $500,000) to see if the premium for the amount is actually less than the premium for the coverage amount you originally requested.

    Exclusions, restrictions, limitations, and reductions in benefits will, in certain situations, apply to your policy. Please call us at 877-531-5687 for more information. Please note that TIAA-CREF Life Insurance Company has the right to contest the policy for misrepresentation by the applicant.

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    Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value.

    Deposit and lending services and products are provided by TIAA, FSB. Member FDIC. Equal Housing Lender Premium term life insurance. TIAA Direct and EverBank are divisions of TIAA, FSB.

    The TIAA group of companies does not provide legal or tax advice. Please consult your legal or tax advisor.

    TIAA-CREF Individual Institutional Services, LLC, Teachers Personal Investors Services, Inc., and Nuveen Securities, LLC, Members FINRA and SIPC , distribute securities products. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Each of the foregoing is solely responsible for its own financial condition and contractual obligations.

    Teachers Insurance and Annuity Association of America is domiciled in New York, NY, with its principal place of business in New York, NY. Its California Certificate of Authority number is 3092.

    TIAA-CREF Life Insurance Company is domiciled in New York, NY, with its principal place of business in New York, NY. Its California Certificate of Authority number is 6992.

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    Cheapest Car Insurance Premium in Delhi, India

    Whether New Car Insurance or Renewal from ICICI Lombard, Bajaj Allianz, Tata Aig, Bharti Axa, National Insurance, New India Assurance or Royal Sundaram, Its important to Get on to Best Hassle Free Policy.

    Below are different types of Car Insurance Products. Zero Depreciation Policies are generally offered till first 3 to 5 yrs on ageing of the vehicle

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    In Zero Dep Car Policy – All Plastic, Fibre, Rubber and Metal Parts are covered at its 100% of the actual price without any depreciation cut. Also, includes cover on – Emergency Transport and Hotel Expenses, Key Replacement Its a highly popular plan prevailing across new car buyers. Higher Premium than Comprehensive Plan

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    The Hartford publishes reviews in order that site visitors may learn from actual experiences our customers have shared.

    The Hartford applies several guidelines in the consideration of customer reviews for publication on our web site.

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    While the application of publishing guidelines is a subjective process, the following are frequent reasons which may prevent posting of a review:

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    • In order to protect our customers privacy, and that of our employees and business partners, reviews containing personally identifiable information will not be published.
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    Car Insurance Calculator, Calculate Car Insurance, Car Insurance Premium Calculator #used #smart #car


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    Use Car Insurance Calculator and Buy Intelligently

    A car insurance calculator enables a person to compute the premium of a car as well as compare insurance quotes from different insurers. Different sets of customers have their own specific requirements and car insurance calculator helps them to evaluate and get the best policy as per their requirements.

    Undeniably, car insurance calculator is a valuable tool that helps a buyer to get the best car insurance plan on the basis of his specifications. It allows you to make a comparison of different insurance plans on a click of the mouse. Simply put, car insurance calculator helps buyers to evaluate their insurance needs and get an appropriate plan accordingly.

    Benefits of Car Insurance Calculator

        • Using a car insurance calculator prior to buying a plan makes the overall process easy and convenient for the buyer
        • Make a comparison of premium rates and choose the best insurance plan
        • See for yourself how changing variables of coverage change your premium
        • No need to take your decision in haste or under influence of the agents

    How to Use Car Insurance Premium Calculator?

    It is an online feature that allows customers to calculate the premium amount for the vehicle on the basis of the information provided by them.

    Car insurance calculator provides customers with lots of variation in terms of premium rates as per their requirements. For calculating the exact car insurance premium, a customer needs to mention the specific details that include date of registration, car details, policy start date and other extra coverage details. It is just a matter of a few clicks through your mouse and you’ll get what you want. Moreover, to find a good car policy, comparing two different insurance policies can be the right tool. By comparing premium rates of different insurance companies, one can easily find out the most beneficial insurance. Essentially, the more extensive the coverage, the higher your car insurance premium rates will be.

    To calculate car insurance premium rates, every insurance company uses its own method.

        • Premium Calculator for Used Cars= To calculate premium quotes for used cars, you need to give details, like car type, fuel type, registration number, existing car insurance policy details, change in car ownership details, if any and previous year claim reports. Premium calculator for used car allows buyers to get the best deal as per the requirements.
        • Premium Calculator for New Car= For calculating the premium value, you would need to fill details about the vehicle including vehicle manufacturer’s name, vehicle model, year of manufacture, state of registration of Car, etc. with person’s own details. Premium calculator for new car offers you the best deal by comparing all sets of facilities offered by different companies. It is a quick solution to the concerns of the customers.

    Factor that Determine Car Insurance Premium Value

    Top Variables that play an indispensable role in deciding car insurance premium rate are:

        • Age and Gender – Individual below 25 years of age are perceived by the insurance company to be more likely involved in accidents and hence individuals in the age bracket of 18 – 25 have to shell out a higher premium.
        • Car Make, Model and Variant – For obvious reasons, high end cars like Audi and Bentley are insured at a higher price than budget car like Alto and Santro. On similar grounds, SUVs are insured at a higher premium than a family car.
        • Place for which you Need the Insurance – Since the traffic density is higher in the urban areas, cars are insured at a slightly higher premium in the urban areas compared to the sub urban areas.
        • Fuel Type – Compared to a plain petrol/diesel car, you’ll have to pay a higher premium for insuring a CNG fitted car.
        • Year of Manufacture – The older your car, the lesser is its Insured Declared Value (IDV) and the lesser the IDV, the lesser is the premium.
        • Discounts – Certain professionals such as defense personnel, doctors and govt. employees are entitled to get an additional discount on their premium.
        • Voluntary Access – Voluntary access is the minimum amount that you declare to bear at the time of claim. The higher deductible you opt for, the lower will be your premium.
        • Anti-theft Discount – You are entitled to get 2.5% off on the premium, if your car is fitted with an ARAI approved anti theft device.
        • No Claim Bonus – No Claim Bonus is offered to the insured for every claim free year. It is a cumulative discount and varies from 10% to 50%. NCB can be transferred to another car or policy.

    Car Insurance Premium Renewal

    Many buyers make premium rates the sole criteria of choosing a car insurance policy. However, this is not a right move. There are other features and benefits in a plan to look out for. If you are getting a better coverage at a slightly higher premium rate, you should prefer it over a lower coverage plan.



    Car Rental Insurance Coverage – Premium Car Rental Protection #buy #car #uk


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    PREMIUM CAR RENTAL PROTECTION

    You can save on car rental coverage

    Purchase coverage starting

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    1. Coverage is for up to 30 consecutive days for Washington State Residents. In order to avoid overlapping benefits with Premium Car Rental Protection, you may have to decline similar coverage offered by the car rental company. If a car rental company requires you to purchase its coverage as part of the terms of its rental agreement, please contact us for a refund of the Premium Car Rental Protection insurance premium for that rental by calling the number on the back of your Card.

    2. Cost ranges from $15.95-$24.95 per rental depending on coverage option selected and state of residence.

    3. Uninsured or Underinsured Motorist, or Disability are also not included.

    See additional terms and limitations below.

    1. Coverage is for up to 30 consecutive days for Washington State Residents. In order to avoid overlapping benefits with Premium Car Rental Protection, you may have to decline similar coverage offered by the car rental company. If a car rental company requires you to purchase its coverage as part of the terms of its rental agreement, please contact us for a refund of the Premium Car Rental Protection insurance premium for that rental by calling the number on the back of your Card.



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    #car insurance premium calculator
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    Car Insurance

    Why do I need Car Insurance?

    The law in the country makes it compulsory for you to insure your car. The compulsory nature of the law protects you against third party liability. Also, your car is probably one of the most expensive things you own. Insurance protects this asset and helps you in coping with the financial loss caused by accidents, damage or theft. Another reason is that while driving, you are responsible for the safety of:

    • Your passengers
    • Your fellow drivers
    • Other people s property
    • Pedestrians
    • Yourself

    Insurance helps cover the costs of potential damages or injuries in case of an unforeseen accident or theft.

    What are the benefits of buying car insurance online?

    The online advantage enables you to buy the policy through web instantly, save time and save money. You can get a free quote, calculate your car insurance premium and buy with the same quote within seven days. You can enjoy hassle free buying without any paperwork. You can buy Bharti AXA private car insurance policy online using credit card, debit card or net banking.

    What are the discounts allowed under Bharti AXA car insurance?

    The discounts that can be allowed under the Private Car policies are Voluntary Deductible discount and No Claim Bonus. Furthermore, you could avail additional discounts on your online car insurance premium, if you have

    • ARAI approved anti-theft device
    • Voluntary deductible

    The IDV of the car is to be fixed based on the manufacturer s listed selling price of the brand and model, as the vehicle proposed for insurance at the commencement of insurance /renewal and adjusted for depreciation. The IDV of the side car(s) and/ or accessories, if any, fitted to the vehicle, but not included in the manufacturer s listed selling price of the vehicle is also likewise to be fixed. The schedule of depreciation for arriving at IDV is as below:

    Schedule of Depreciation for arriving at IDV



    2014 Volkswagen Passat First Drive – Review – Car and Driver #2014 #volkswagen #passat #1.8t, #vw, #s, #wolfsburg #edition, #se, #sel #premium, #four-door #sedan, #five-passenger, #four-cylinder, #turbo, #mid-size, #tsi, #review, #first #drive, #1.8-liter


    #

    2014 Volkswagen Passat 1.8T

    Although Volkswagen’s U.S. CEO can boast that 75 percent of all diesel-powered cars sold in America wear the VW crest, the really big volume in the mid-size-sedan segment comes from four-cylinder gasoline engines—more than four out of five Camry. Accord. and Altima models, and all Sonatas and Fusions. pack gas-fired four-holers. Despite investing big in a new U.S. assembly plant and refocusing the Passat as a larger, value-oriented proposition, the VW mid-sizer hasn’t counted a mainstream gas four among its powertrain choices for a while. That changes for 2014.

    New Base Engine

    This year, a 1.8-liter turbo four replaces the naturally aspirated 2.5-liter inline-five as the new base engine (the TDI and V-6 Passats will still be offered). The transformation begins with the line-topping SEL Premium and will eventually expand to cover the S, SE, and Wolfsburg Edition trims later in the year. The force-fed 1.8-liter is the same Mexican-built gen-three EA888 four-cylinder that finds its way into Golfs and Jettas for 2014. The engine features a thin-wall crankcase and fewer counterweights for reduced mass, as well as smaller main bearings and reduced oil pressure to minimize friction. The exhaust manifold is integral to the cylinder head to allow the engine to warm up more quickly, and the turbo is smaller and spools up faster.

    We drove a well-equipped, $31,715 SEL Premium automatic. Even though the Passat is several hundred pounds heavier than the Jetta, the 1.8-liter turbo’s 170 horsepower and 184 lb-ft of torque move the mid-size sedan smartly enough, with something near half-throttle summoning the turbine for duty. Telling is the torque curve of the 1.8T, which rises quickly to mesa from 1500 rpm to near the 6200-rpm horsepower peak. Contrast that to the peaks and valleys of the outgoing 2.5L five-cylinder, which proffers its 177 lb-ft of max torque at a relatively rev-happy 4250 and its 170 horsepower peak at 5700, making for a narrow sweet spot.

    Ready to Rumble

    The fuel-economy-optimized calibration of the six-speed torque-converter automatic keeps the Passat at low revs in the upper gears when cruising, during which there’s much less rumbly powertrain noise than in the Jetta 1.8T we recently drove. We’ll attribute that to more soundproofing and the fact that the engine doesn’t stay at 1200 rpm very long if road load increases. Climb even a slight grade or barely breathe on the throttle, and the automatic transmission downshifts, banishing the rumbling sound. Of course, you can use your own gearbox programming by tipping through the gears manually or by simply opting for a Passat with a five-speed manual—yes, the car will still be available with a stick even after the 1.8T completes its creep across the lineup.

    One side benefit of the switch from inline-five to turbo inline-four is less weight on the nose. The current Passat is a former comparison-test champ ; although it subsequently fell to three newer cars, it remains excellent to drive. Hustle the big, roomy sedan down a twisty back road, and you’ll appreciate its balanced handling, good body control, and capable brakes. Segueing to 1.8T also means shifting from hydraulic to electrically boosted power steering, a fuel-economy move that usually means some loss in feedback, but VW has maintained most of the previous system’s low friction and linear feel.

    Midyear, VW will introduce a Passat Sport model with a long list of cosmetic baubles. The full rundown: a black roof, black mirror caps, a special Urano Gray color, front fog lamps, a rear spoiler, aluminum pedal caps, sport seats, stainless-steel kick plates, paddle shifters, and 19-inch aluminum wheels. No word yet if a sport suspension or other performance upgrades are also a part of Sport content.

    Casting a Wider Car-Net

    VW is also introducing an OnStar-like connectivity system dubbed Car-Net. After a six-month free trial, the Verizon-based system will be available across all 2014 model lines at $199 a year for the full suite of services. Accessed via overhead buttons, Car-Net’s skill set includes automatic crash notification, roadside assistance, manual emergency calling, and live destination assist. Additionally, a number of other services such as remote door unlocking, service appointment scheduling, family guardian speed alert, and others can be selected via an iOS app (an Android-based app will debut later).

    The most significant item of note for most shoppers, however, is likely to be the improvement in EPA fuel-economy ratings—the 1.8T is up 2 mpg city and 3 mpg highway over those of last year’s base 2.5-liter engine. At 34–35 mpg highway, the Passat 1.8T still doesn’t match highway-label leaders such as the Nissan Altima, Mazda 6. and Ford Fusion 1.6 EcoBoost, but it’s in the hunt. Taken with its improved manners and drivability, the volume Passat now finds itself in a position to snag more mid-size market share.



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    Carpet Tile Solutions is a leading online wholesaler and supplier of carpet tiles to both commercial and domestic customers throughout the UK and Ireland. As one of the UK’s largest stockists of discount carpet tiles and clearance lines, we have a huge selection available for immediate dispatch.
    We specialise in our own brand of commercial carpet tiles and we also offer clearance tiles from other leading brands, namely Heuga Tiles. Burmatex. Desso. Esco. Gradus. Paragon. Tessera and Interface Flor Carpet Tiles .

    Our tiles are generally for use within an industrial or commercial environment but we also have ranges suitable for domestic use.
    With over 30 years experience in the industry, we offer a fast, reliable and professional service and deliver boxes and pallets every day to customers all over the UK and Ireland.

    At Carpet Tile Solutions we are pleased to offer our customers a range of quality products at discounted prices. By offering own branded products we are able to bring to our customers, discount products of the same levels of quality and durability as leading brands.

    Also on offer are regular batches of clearance items. These are often end of line products sold as job lots and are regularly changing and updated. Clearance carpet tiles are often a good source of supply for those needing smaller quantities at a fantastic price.

    With over 500,000 contract carpet tiles in stock, we are able to offer a wide range of colours and finishes from blue to black and grey to green including various patterned finishes and designs with a large selection of heavy contract carpet tiles amongst them. All are hard wearing and easy to clean.

    We are also happy to deal with trade enquiries. Trade customers should contact us on +44 (0)28 38 336 333 quoting trade references.

    Free carpet tile samples are available on request for all customers and free delivery is offered on large orders. (20 boxes / 100m2 or more)

    The TR range is a random lay carpet tile finished in a linear pattern. Castor chair suitable, these tiles are ideal for industrial or commercial use in high traffic areas. TR range is a heavy contract quality 100% solution dyed nylon tufted loop pile carpet tile. View our range or Random Lay Carpet Tiles here .

    ONLY £1.25 Per Tile



    Car Insurance Premium Calculator #car #pc


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    Car Insurance

    Why do I need Car Insurance?

    The law in the country makes it compulsory for you to insure your car. The compulsory nature of the law protects you against third party liability. Also, your car is probably one of the most expensive things you own. Insurance protects this asset and helps you in coping with the financial loss caused by accidents, damage or theft. Another reason is that while driving, you are responsible for the safety of:

    • Your passengers
    • Your fellow drivers
    • Other people s property
    • Pedestrians
    • Yourself

    Insurance helps cover the costs of potential damages or injuries in case of an unforeseen accident or theft.

    What are the benefits of buying car insurance online?

    The online advantage enables you to buy the policy through web instantly, save time and save money. You can get a free quote, calculate your car insurance premium and buy with the same quote within seven days. You can enjoy hassle free buying without any paperwork. You can buy Bharti AXA private car insurance policy online using credit card, debit card or net banking.

    What are the discounts allowed under Bharti AXA car insurance?

    The discounts that can be allowed under the Private Car policies are Voluntary Deductible discount and No Claim Bonus. Furthermore, you could avail additional discounts on your online car insurance premium, if you have

    • ARAI approved anti-theft device
    • Voluntary deductible

    The IDV of the car is to be fixed based on the manufacturer s listed selling price of the brand and model, as the vehicle proposed for insurance at the commencement of insurance /renewal and adjusted for depreciation. The IDV of the side car(s) and/ or accessories, if any, fitted to the vehicle, but not included in the manufacturer s listed selling price of the vehicle is also likewise to be fixed. The schedule of depreciation for arriving at IDV is as below:

    Schedule of Depreciation for arriving at IDV



    UK Autotrader – Premium impord cars from UK – Used cars in Botswana #buy #used #cars #online


    #uk cars for sale
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    About UK Autotrader imported car dealer

    We are a premier UK vehicle exporter that supplies quality vehicles worldwide. We supply and ship vehicles all over Africa and Asia, and we are one of the largest vehicle suppliers to Namibia and Botswana. We have been in business for over 15 years supplying quality vehicles both in the UK and worldwide.

    We hold a stock of over 250 vehicles which are available for immediate shipping. We specialise in exporting and shipping a wide range of vehicles and have the means and capability to meet all export requirements. With years of experience in the automotive industry we cater for all customers and can supply any vehicle from the UK. From Small/Family Size Hatchbacks, Luxury Sedans, Prestige Vehicles to Pickups/Bakkies, Sports and Performance Vehicles and 4×4’s/SUV’s, we can source any vehicle for you. Our aim is to supply you with high quality vehicles from a company that you can trust. We have direct contracts with some of the major leading vehicle franchise companies for example Toyota, Nissan,VW, Mercedes Benz, BMW and we select and buy our vehicles direct from the company, thus providing good quality vehicles at competitive prices. Each vehicle goes through a multipoint checklist prior to shipping and is checked thoroughly in our very own state of the art workshop

    So whether you require 1 vehicle for your personal use, or you are an established business in the automotive industry or a private company requiring vehicles for your company and require regular supply of vehicles, please contact us by email and give us your requirements and we will do our very best to cater for your needs.

    PLEASE NOTE we are not AGENTS that make comissions on others vehicles,

    we are the DIRECT supplier of vehicles so by purchasing from us you are dealing with a direct

    EMAIL ALL VEHICLE ENQUIRIES TO:



    UK Autotrader – Premium impord cars from UK – Used cars in Botswana #car #search #engines


    #uk cars for sale
    #

    About UK Autotrader imported car dealer

    We are a premier UK vehicle exporter that supplies quality vehicles worldwide. We supply and ship vehicles all over Africa and Asia, and we are one of the largest vehicle suppliers to Namibia and Botswana. We have been in business for over 15 years supplying quality vehicles both in the UK and worldwide.

    We hold a stock of over 250 vehicles which are available for immediate shipping. We specialise in exporting and shipping a wide range of vehicles and have the means and capability to meet all export requirements. With years of experience in the automotive industry we cater for all customers and can supply any vehicle from the UK. From Small/Family Size Hatchbacks, Luxury Sedans, Prestige Vehicles to Pickups/Bakkies, Sports and Performance Vehicles and 4×4’s/SUV’s, we can source any vehicle for you. Our aim is to supply you with high quality vehicles from a company that you can trust. We have direct contracts with some of the major leading vehicle franchise companies for example Toyota, Nissan,VW, Mercedes Benz, BMW and we select and buy our vehicles direct from the company, thus providing good quality vehicles at competitive prices. Each vehicle goes through a multipoint checklist prior to shipping and is checked thoroughly in our very own state of the art workshop

    So whether you require 1 vehicle for your personal use, or you are an established business in the automotive industry or a private company requiring vehicles for your company and require regular supply of vehicles, please contact us by email and give us your requirements and we will do our very best to cater for your needs.

    PLEASE NOTE we are not AGENTS that make comissions on others vehicles,

    we are the DIRECT supplier of vehicles so by purchasing from us you are dealing with a direct

    EMAIL ALL VEHICLE ENQUIRIES TO:



    Car hire in Majorca or Mallorca with Avis premium car rentals #second #hand #cars


    #car hire majorca
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    Car hire stations

    The perfect hire car will soon be yours

    Popular car hire locations in Mallorca

    Your journey starts here

    Explore Spain s largest island by road with Avis. From the capital Palma head even further west to admire this Mediterranean island s tantalising coast and mountain scenery. Hit Santa Ponca then continue along the highway, passing the sandy coves of Paguera, Cala Fornells and Camp de Mar. At Port D Andratx, once popular with smugglers, now preferred by fishermen, purr northeast along the coast to the scenic village of Estellencs (a Balearic classic of pine groves, olive and almond trees, terrace agriculture and cobbled streets).

    Drivers can also bisect old Roman Roads through the central plain of Majorca. Meander from Manacor to Porto Cristo and you can, with the tiniest detour, explore Cuevas del Drach. These Caves of the Dragon comprise a subterranean landscape of stalactites and stalagmites and five underground lakes. One of them is the largest underground lake in the world.

    To make your journey even easier, we can include a sat nav with your car so you can relax. Request yours when you book.

    Remember, you don t have to drive full-circle: make the most of one way car hire across Majorca.



    UK Autotrader – Premium impord cars from UK – Used cars in Botswana #car #problems


    #uk cars for sale
    #

    About UK Autotrader imported car dealer

    We are a premier UK vehicle exporter that supplies quality vehicles worldwide. We supply and ship vehicles all over Africa and Asia, and we are one of the largest vehicle suppliers to Namibia and Botswana. We have been in business for over 15 years supplying quality vehicles both in the UK and worldwide.

    We hold a stock of over 250 vehicles which are available for immediate shipping. We specialise in exporting and shipping a wide range of vehicles and have the means and capability to meet all export requirements. With years of experience in the automotive industry we cater for all customers and can supply any vehicle from the UK. From Small/Family Size Hatchbacks, Luxury Sedans, Prestige Vehicles to Pickups/Bakkies, Sports and Performance Vehicles and 4×4’s/SUV’s, we can source any vehicle for you. Our aim is to supply you with high quality vehicles from a company that you can trust. We have direct contracts with some of the major leading vehicle franchise companies for example Toyota, Nissan,VW, Mercedes Benz, BMW and we select and buy our vehicles direct from the company, thus providing good quality vehicles at competitive prices. Each vehicle goes through a multipoint checklist prior to shipping and is checked thoroughly in our very own state of the art workshop

    So whether you require 1 vehicle for your personal use, or you are an established business in the automotive industry or a private company requiring vehicles for your company and require regular supply of vehicles, please contact us by email and give us your requirements and we will do our very best to cater for your needs.

    PLEASE NOTE we are not AGENTS that make comissions on others vehicles,

    we are the DIRECT supplier of vehicles so by purchasing from us you are dealing with a direct

    EMAIL ALL VEHICLE ENQUIRIES TO:



    Car Insurance Calculator, Calculate Car Insurance, Car Insurance Premium Calculator #car #lease


    #car insurance premium calculator
    #

    Use Car Insurance Calculator and Buy Intelligently

    A car insurance calculator enables a person to compute the premium of a car as well as compare insurance quotes from different insurers. Different sets of customers have their own specific requirements and car insurance calculator helps them to evaluate and get the best policy as per their requirements.

    Undeniably, car insurance calculator is a valuable tool that helps a buyer to get the best car insurance plan on the basis of his specifications. It allows you to make a comparison of different insurance plans on a click of the mouse. Simply put, car insurance calculator helps buyers to evaluate their insurance needs and get an appropriate plan accordingly.

    Benefits of Car Insurance Calculator

        • Using a car insurance calculator prior to buying a plan makes the overall process easy and convenient for the buyer
        • Make a comparison of premium rates and choose the best insurance plan
        • See for yourself how changing variables of coverage change your premium
        • No need to take your decision in haste or under influence of the agents

    How to Use Car Insurance Premium Calculator?

    It is an online feature that allows customers to calculate the premium amount for the vehicle on the basis of the information provided by them.

    Car insurance calculator provides customers with lots of variation in terms of premium rates as per their requirements. For calculating the exact car insurance premium, a customer needs to mention the specific details that include date of registration, car details, policy start date and other extra coverage details. It is just a matter of a few clicks through your mouse and you’ll get what you want. Moreover, to find a good car policy, comparing two different insurance policies can be the right tool. By comparing premium rates of different insurance companies, one can easily find out the most beneficial insurance. Essentially, the more extensive the coverage, the higher your car insurance premium rates will be.

    To calculate car insurance premium rates, every insurance company uses its own method.

        • Premium Calculator for Used Cars= To calculate premium quotes for used cars, you need to give details, like car type, fuel type, registration number, existing car insurance policy details, change in car ownership details, if any and previous year claim reports. Premium calculator for used car allows buyers to get the best deal as per the requirements.
        • Premium Calculator for New Car= For calculating the premium value, you would need to fill details about the vehicle including vehicle manufacturer’s name, vehicle model, year of manufacture, state of registration of Car, etc. with person’s own details. Premium calculator for new car offers you the best deal by comparing all sets of facilities offered by different companies. It is a quick solution to the concerns of the customers.

    Factor that Determine Car Insurance Premium Value

    Top Variables that play an indispensable role in deciding car insurance premium rate are:

        • Age and Gender – Individual below 25 years of age are perceived by the insurance company to be more likely involved in accidents and hence individuals in the age bracket of 18 – 25 have to shell out a higher premium.
        • Car Make, Model and Variant – For obvious reasons, high end cars like Audi and Bentley are insured at a higher price than budget car like Alto and Santro. On similar grounds, SUVs are insured at a higher premium than a family car.
        • Place for which you Need the Insurance – Since the traffic density is higher in the urban areas, cars are insured at a slightly higher premium in the urban areas compared to the sub urban areas.
        • Fuel Type – Compared to a plain petrol/diesel car, you’ll have to pay a higher premium for insuring a CNG fitted car.
        • Year of Manufacture – The older your car, the lesser is its Insured Declared Value (IDV) and the lesser the IDV, the lesser is the premium.
        • Discounts – Certain professionals such as defense personnel, doctors and govt. employees are entitled to get an additional discount on their premium.
        • Voluntary Access – Voluntary access is the minimum amount that you declare to bear at the time of claim. The higher deductible you opt for, the lower will be your premium.
        • Anti-theft Discount – You are entitled to get 2.5% off on the premium, if your car is fitted with an ARAI approved anti theft device.
        • No Claim Bonus – No Claim Bonus is offered to the insured for every claim free year. It is a cumulative discount and varies from 10% to 50%. NCB can be transferred to another car or policy.

    Car Insurance Premium Renewal

    Many buyers make premium rates the sole criteria of choosing a car insurance policy. However, this is not a right move. There are other features and benefits in a plan to look out for. If you are getting a better coverage at a slightly higher premium rate, you should prefer it over a lower coverage plan.



    Car hire in Majorca or Mallorca with Avis premium car rentals #car #financing


    #car hire majorca
    #

    Car hire stations

    The perfect hire car will soon be yours

    Popular car hire locations in Mallorca

    Your journey starts here

    Explore Spain s largest island by road with Avis. From the capital Palma head even further west to admire this Mediterranean island s tantalising coast and mountain scenery. Hit Santa Ponca then continue along the highway, passing the sandy coves of Paguera, Cala Fornells and Camp de Mar. At Port D Andratx, once popular with smugglers, now preferred by fishermen, purr northeast along the coast to the scenic village of Estellencs (a Balearic classic of pine groves, olive and almond trees, terrace agriculture and cobbled streets).

    Drivers can also bisect old Roman Roads through the central plain of Majorca. Meander from Manacor to Porto Cristo and you can, with the tiniest detour, explore Cuevas del Drach. These Caves of the Dragon comprise a subterranean landscape of stalactites and stalagmites and five underground lakes. One of them is the largest underground lake in the world.

    To make your journey even easier, we can include a sat nav with your car so you can relax. Request yours when you book.

    Remember, you don t have to drive full-circle: make the most of one way car hire across Majorca.



    Car hire in Tenerife from Avis premium car rentals #car #quotes


    #car hire tenerife
    #

    Car hire stations in Tenerife

    The perfect hire car will soon be yours

    Popular car hire locations in Tenerife

    Your journey starts here

    Cruise the coast. Discover volcanoes. Explore Santa Cruz. Watch the sun set. Feel the freedom of every single mile.

    Whether you fancy a sprightly compact, homely hatch, executive saloon, sexy convertible, luxury saloon, hulking 4×4 or ginormous people carrier, unlock your perfect model. Simply let us know and we ll prepare it for you.

    And, you don t have to drive full-circle: make the most of one way car hire across Spain.

    Plan your trip in Tenerife

    Drive to Tenerife s south coast to flop on the sun-worshipping beaches of Costa Adeje and Playa de las Am ricas, where dining options range from fried breakfasts to the seriously gourmet. The cobbled streets of Puerto de la Cruz and La Laguna in the north offer a slower pace.

    Drive to the bustling port city and capital Santa Cruz de Tenerife, or into the interior to trek amid the volcanic splendour of Mount Teide National Park.