Despite all states requiring liability insurance, only a few require uninsured or underinsured protection. In theory, all drivers are required to have either liability coverage or provide proof that they will be financially responsible for accidents they cause. In reality, there will be drivers who have financial or other difficulties paying their premiums, resulting in no liability coverage. There are also other drivers who purchase the minimum insurance policy required which may not be enough money to pay for your damages. Uninsured or underinsured motorist protection can help you cover yourself in the event of an accident in which the at-fault driver has no insurance or inadequate insurance. This is often an overlooked but important part of car insurance.
Showing posts with label FAMOUS CARS. Show all posts
Showing posts with label FAMOUS CARS. Show all posts
Gap Insurance
Gap insurance is the insurance to cover the difference between the cost to repair your car and the amount you owe on your car, also known as the “gap”. If you have a loan or lease, you may want to consider gap insurance. If your car is “totaled”, this insurance will help you pay off what you owe on your loan/lease. Generally, this type of insurance is sold at the time you are financing your can loan or lease. Some lenders may require you to have it to be eligible for a car loan
Collision Insurance
While liability insurance covers damages you cause to others in a car accident, collision insurance covers damage to your car, regardless of who caused the damage. So, even if you caused the accident, it will cover repairs to your car. Collision coverage only covers the repairs to your car up to the value of your car at the time just before the accident. If your car is worth less than the cost to repair it after an accident (commonly referred to as “totaled”), a collision insurance policy will pay you the value of your car. No states require that you have this coverage – but you may need it for other reasons. For example, if you have a car loan or lease a car, you may be required by your lender to have this coverage. You can save money by getting a policy with a deductable, a fixed amount that you pay towards your own repairs. See more advice on what kind and how much car insurance coverage you really need.
Comprehensive Insurance
Liability and collision insurance policies exclusively cover car accidents. There are many exclusions to those types of coverage, such as fire, theft or if you hit an animal while driving. Comprehensive insurance covers most of those other risks to your car. As with collision coverage, no states require that you have this type of insurance – but you may want to consider it or need it for other reasons – when your lender or car lease requires it. You can save money on this comprehensive insurance by getting a policy with a deductable. See more advice on what kind and how much car insurance coverage you really need.
Liability Insurance
Liability insurance is coverage that protects you from the cost of accidental damage you cause to others and their property while driving a car. This covers the cost of medical bills, general and special damages (wage loss, continuing medical care, etc.) and repair of property damaged in the accident. This coverage also entitles you to the cost of defense (paying for an attorney for you) if you are sued for the damage you cause in a car accident. If you cause a car accident, your own injury and property damage is not covered by this type of insurance (see collision, medical/PIP, and uninsured coverage below).
Liability insurance coverage is usually listed with limits for bodily injury and property damage stated separately. For example, a 15/30/10 liability policy offers coverage up to $15,000 to one person for bodily injury, $30,000 for all bodily injuries to others, and up to $10,000 for coverage of property damage. You can also purchase a combined single limit policy, or CSL, which will cover all injuries and property damage up to the stated maximum caused by a single accident.
All states have set a minimum amount of coverage/financial responsibility for car insurance/financial responsibility but choosing the minimum isn’t right for everyone. If you cause an accident, you have to pay for the damage you caused. If you are in a serious collision and the damages you caused are greater than the coverage limits you purchased, you may be personally liable to pay for those damages that exceed your insurance coverage. Insurance companies quote rates (also known as premiums) that can vary by hundreds of dollars a year so it pays to do your research. Once you decide what coverage you need, you are prepared to shop smart for car insurance. See advice on what kind and how much car insurance coverage you really need.
Liability insurance coverage is usually listed with limits for bodily injury and property damage stated separately. For example, a 15/30/10 liability policy offers coverage up to $15,000 to one person for bodily injury, $30,000 for all bodily injuries to others, and up to $10,000 for coverage of property damage. You can also purchase a combined single limit policy, or CSL, which will cover all injuries and property damage up to the stated maximum caused by a single accident.
All states have set a minimum amount of coverage/financial responsibility for car insurance/financial responsibility but choosing the minimum isn’t right for everyone. If you cause an accident, you have to pay for the damage you caused. If you are in a serious collision and the damages you caused are greater than the coverage limits you purchased, you may be personally liable to pay for those damages that exceed your insurance coverage. Insurance companies quote rates (also known as premiums) that can vary by hundreds of dollars a year so it pays to do your research. Once you decide what coverage you need, you are prepared to shop smart for car insurance. See advice on what kind and how much car insurance coverage you really need.
Car Insurance Types
If you drive, own or lease a car, each of the 50 states requires you to either have car insurance or provide “proof of financial responsibility”. Proof of financial responsibility is usually met by having car insurance. Each state also sets the minimum coverage amount and specific types of insurance it requires. There are hundreds of car insurance companies with lots of options for car insurance…what kind of coverage do you want? What coverage do you need? Is the minimum coverage enough for you? What are your choices? Being informed as to the types insurance available will save you money and heartache when you are involved in an accident. CarInsuranceCalculator.info tells you the rules of the game:
Liability Insurance
Liability insurance is coverage that protects you from the cost of accidental damage you cause to others and their property while driving a car. This covers the cost of medical bills, general and special damages (wage loss, continuing medical care, etc.) and repair of property damaged in the accident. This coverage also entitles you to the cost of defense (paying for an attorney for you) if you are sued for the damage you cause in a car accident. If you cause a car accident, your own injury and property damage is not covered by this type of insurance (see collision, medical/PIP, and uninsured coverage below).
Liability insurance coverage is usually listed with limits for bodily injury and property damage stated separately. For example, a 15/30/10 liability policy offers coverage up to $15,000 to one person for bodily injury, $30,000 for all bodily injuries to others, and up to $10,000 for coverage of property damage. You can also purchase a combined single limit policy, or CSL, which will cover all injuries and property damage up to the stated maximum caused by a single accident.
All states have set a minimum amount of coverage/financial responsibility for car insurance/financial responsibility but choosing the minimum isn’t right for everyone. If you cause an accident, you have to pay for the damage you caused. If you are in a serious collision and the damages you caused are greater than the coverage limits you purchased, you may be personally liable to pay for those damages that exceed your insurance coverage. Insurance companies quote rates (also known as premiums) that can vary by hundreds of dollars a year so it pays to do your research. Once you decide what coverage you need, you are prepared to shop smart for car insurance. See advice on what kind and how much car insurance coverage you really need.
Collision Insurance
While liability insurance covers damages you cause to others in a car accident, collision insurance covers damage to your car, regardless of who caused the damage. So, even if you caused the accident, it will cover repairs to your car. Collision coverage only covers the repairs to your car up to the value of your car at the time just before the accident. If your car is worth less than the cost to repair it after an accident (commonly referred to as “totaled”), a collision insurance policy will pay you the value of your car. No states require that you have this coverage – but you may need it for other reasons. For example, if you have a car loan or lease a car, you may be required by your lender to have this coverage. You can save money by getting a policy with a deductable, a fixed amount that you pay towards your own repairs. See more advice on what kind and how much car insurance coverage you really need.
Comprehensive Insurance
Liability and collision insurance policies exclusively cover car accidents. There are many exclusions to those types of coverage, such as fire, theft or if you hit an animal while driving. Comprehensive insurance covers most of those other risks to your car. As with collision coverage, no states require that you have this type of insurance – but you may want to consider it or need it for other reasons – when your lender or car lease requires it. You can save money on this comprehensive insurance by getting a policy with a deductable. See more advice on what kind and how much car insurance coverage you really need.
Uninsured or Underinsured Motorist Protection
Despite all states requiring liability insurance, only a few require uninsured or underinsured protection. In theory, all drivers are required to have either liability coverage or provide proof that they will be financially responsible for accidents they cause. In reality, there will be drivers who have financial or other difficulties paying their premiums, resulting in no liability coverage. There are also other drivers who purchase the minimum insurance policy required which may not be enough money to pay for your damages. Uninsured or underinsured motorist protection can help you cover yourself in the event of an accident in which the at-fault driver has no insurance or inadequate insurance. This is often an overlooked but important part of car insurance.
Medical (Medpay) or Personal Injury Protection
Medical protection, also known as medpay, is coverage for medical care caused by injuries to you or your passengers after a car accident. You or your passengers can make a claim to pay you medical bills resulting from an accident, even if it is not your fault. Depending on what state you are in, you may be required to have medpay coverage. Medpay is sold with a maximum payment or reimbursement at a fixed amount for each passenger covered by your medpay.
Personal injury protection, also known as PIP, is similar to medpay but operate very differently depending on the state you are in. In some states, usually states with no fault coverage, PIP is mandatory. PIP generally covers medical care but also may cover lost wages up to a specified amount. But in some states, if you make a claim against PIP insurance, you may be waiving your right to recover against the liability portion of the car insurance.
When you are choosing a coverage amount for either medpay or PIP, get informed as to your state requirements and options available. With the cost of healthcare always increasing, this is a coverage you should consider.
Rental Reimbursement
This is a separate car insurance coverage that pays for renting a car when your car is inoperable due to a car accident. This coverage will specify the daily allowances or limits for car rentals which can vary by each insurance company or state.
Gap Insurance
Gap insurance is the insurance to cover the difference between the cost to repair your car and the amount you owe on your car, also known as the “gap”. If you have a loan or lease, you may want to consider gap insurance. If your car is “totaled”, this insurance will help you pay off what you owe on your loan/lease. Generally, this type of insurance is sold at the time you are financing your can loan or lease. Some lenders may require you to have it to be eligible for a car loan.
New-car Replacement Insurance
The coverage provides coverage for a new model year car replacement if your new or newer car is totaled in an accident. Most car insurance companies offer you new-car replacement insurance within a year of purchasing a new car and if the car is in its first 15,000 miles. With new-car replacement insurance, your insurance company will pay you for the current value of an equivalent new vehicle. This is different from gap insurance in that gap insurance only covered the difference between the value of your car at the time of the accident (without damage) and the amount of your loan. This coverage is only available for new or newer cars, depending on the car insurance company and if your state permits this kind of coverage.
You may also be required to have collision and comprehensive coverage while you have new-car replacement insurance. Insurance companies generally offer such coverage for a limited period of time – generally within the first two years of ownership of your new car. If you are interested in this coverage, be sure to understand how long you have this coverage and what happens to your coverage at the end of that period. Some insurance companies will convert your new-car replacement coverage into gap insurance at the end of their new-car replacement policies
Liability Insurance
Liability insurance is coverage that protects you from the cost of accidental damage you cause to others and their property while driving a car. This covers the cost of medical bills, general and special damages (wage loss, continuing medical care, etc.) and repair of property damaged in the accident. This coverage also entitles you to the cost of defense (paying for an attorney for you) if you are sued for the damage you cause in a car accident. If you cause a car accident, your own injury and property damage is not covered by this type of insurance (see collision, medical/PIP, and uninsured coverage below).
Liability insurance coverage is usually listed with limits for bodily injury and property damage stated separately. For example, a 15/30/10 liability policy offers coverage up to $15,000 to one person for bodily injury, $30,000 for all bodily injuries to others, and up to $10,000 for coverage of property damage. You can also purchase a combined single limit policy, or CSL, which will cover all injuries and property damage up to the stated maximum caused by a single accident.
All states have set a minimum amount of coverage/financial responsibility for car insurance/financial responsibility but choosing the minimum isn’t right for everyone. If you cause an accident, you have to pay for the damage you caused. If you are in a serious collision and the damages you caused are greater than the coverage limits you purchased, you may be personally liable to pay for those damages that exceed your insurance coverage. Insurance companies quote rates (also known as premiums) that can vary by hundreds of dollars a year so it pays to do your research. Once you decide what coverage you need, you are prepared to shop smart for car insurance. See advice on what kind and how much car insurance coverage you really need.
Collision Insurance
While liability insurance covers damages you cause to others in a car accident, collision insurance covers damage to your car, regardless of who caused the damage. So, even if you caused the accident, it will cover repairs to your car. Collision coverage only covers the repairs to your car up to the value of your car at the time just before the accident. If your car is worth less than the cost to repair it after an accident (commonly referred to as “totaled”), a collision insurance policy will pay you the value of your car. No states require that you have this coverage – but you may need it for other reasons. For example, if you have a car loan or lease a car, you may be required by your lender to have this coverage. You can save money by getting a policy with a deductable, a fixed amount that you pay towards your own repairs. See more advice on what kind and how much car insurance coverage you really need.
Comprehensive Insurance
Liability and collision insurance policies exclusively cover car accidents. There are many exclusions to those types of coverage, such as fire, theft or if you hit an animal while driving. Comprehensive insurance covers most of those other risks to your car. As with collision coverage, no states require that you have this type of insurance – but you may want to consider it or need it for other reasons – when your lender or car lease requires it. You can save money on this comprehensive insurance by getting a policy with a deductable. See more advice on what kind and how much car insurance coverage you really need.
Uninsured or Underinsured Motorist Protection
Despite all states requiring liability insurance, only a few require uninsured or underinsured protection. In theory, all drivers are required to have either liability coverage or provide proof that they will be financially responsible for accidents they cause. In reality, there will be drivers who have financial or other difficulties paying their premiums, resulting in no liability coverage. There are also other drivers who purchase the minimum insurance policy required which may not be enough money to pay for your damages. Uninsured or underinsured motorist protection can help you cover yourself in the event of an accident in which the at-fault driver has no insurance or inadequate insurance. This is often an overlooked but important part of car insurance.
Medical (Medpay) or Personal Injury Protection
Medical protection, also known as medpay, is coverage for medical care caused by injuries to you or your passengers after a car accident. You or your passengers can make a claim to pay you medical bills resulting from an accident, even if it is not your fault. Depending on what state you are in, you may be required to have medpay coverage. Medpay is sold with a maximum payment or reimbursement at a fixed amount for each passenger covered by your medpay.
Personal injury protection, also known as PIP, is similar to medpay but operate very differently depending on the state you are in. In some states, usually states with no fault coverage, PIP is mandatory. PIP generally covers medical care but also may cover lost wages up to a specified amount. But in some states, if you make a claim against PIP insurance, you may be waiving your right to recover against the liability portion of the car insurance.
When you are choosing a coverage amount for either medpay or PIP, get informed as to your state requirements and options available. With the cost of healthcare always increasing, this is a coverage you should consider.
Rental Reimbursement
This is a separate car insurance coverage that pays for renting a car when your car is inoperable due to a car accident. This coverage will specify the daily allowances or limits for car rentals which can vary by each insurance company or state.
Gap Insurance
Gap insurance is the insurance to cover the difference between the cost to repair your car and the amount you owe on your car, also known as the “gap”. If you have a loan or lease, you may want to consider gap insurance. If your car is “totaled”, this insurance will help you pay off what you owe on your loan/lease. Generally, this type of insurance is sold at the time you are financing your can loan or lease. Some lenders may require you to have it to be eligible for a car loan.
New-car Replacement Insurance
The coverage provides coverage for a new model year car replacement if your new or newer car is totaled in an accident. Most car insurance companies offer you new-car replacement insurance within a year of purchasing a new car and if the car is in its first 15,000 miles. With new-car replacement insurance, your insurance company will pay you for the current value of an equivalent new vehicle. This is different from gap insurance in that gap insurance only covered the difference between the value of your car at the time of the accident (without damage) and the amount of your loan. This coverage is only available for new or newer cars, depending on the car insurance company and if your state permits this kind of coverage.
You may also be required to have collision and comprehensive coverage while you have new-car replacement insurance. Insurance companies generally offer such coverage for a limited period of time – generally within the first two years of ownership of your new car. If you are interested in this coverage, be sure to understand how long you have this coverage and what happens to your coverage at the end of that period. Some insurance companies will convert your new-car replacement coverage into gap insurance at the end of their new-car replacement policies
Compare Auto Insurance Quotes – Save Hundreds of Dollars
If you go through your existing policy, you may find that it includes some types of coverage that you don’t really need. Other types of coverage that are relevant to your needs may have been left out. For example, if you have a high net worth and are exposed to significant risks, you may need additional liability coverage.
If you have a very old car, it may not be worthwhile to keep paying for collision and / or comprehensive coverage. You will have to pay a very high premium and will get a very small claim if your car is totaled in an accident.
If you keep renewing your policy blindly without considering your needs and shopping around, you may be paying too much for the wrong type of coverage. You can make significant savings by knowing about the different types of discounts for which you are eligible.
Shop around for the best offers
Once you have decided on the type of coverage you need, shop around and compare estimates from a few insurers. Request them to provide a car insurance quote for the same type of insurance. This will make it much easier for you to compare the quotes.
Your present insurer may be asking for a higher premium because of an outdated credit report or a minor accident that took place many years ago. If you shop around, you may find that other insurers are willing to offer much lower rates. This can help you to make major savings on your annual premium. Being loyal to your present insurer may prove to be very costly in this case.
Check the reputation of the insurers
While it is important to find the best deals, you also need to consider the track record of the insurers before you sign up. You can find a lot of information via the Internet. Go through online reviews to check the customer ratings of the service providers. If you find that there are a lot of complaints against an insurer, it may be best to look elsewhere. Get free, no-obligation automobile insurance quotes from the leading insurers now.
If you have a very old car, it may not be worthwhile to keep paying for collision and / or comprehensive coverage. You will have to pay a very high premium and will get a very small claim if your car is totaled in an accident.
If you keep renewing your policy blindly without considering your needs and shopping around, you may be paying too much for the wrong type of coverage. You can make significant savings by knowing about the different types of discounts for which you are eligible.
Shop around for the best offers
Once you have decided on the type of coverage you need, shop around and compare estimates from a few insurers. Request them to provide a car insurance quote for the same type of insurance. This will make it much easier for you to compare the quotes.
Your present insurer may be asking for a higher premium because of an outdated credit report or a minor accident that took place many years ago. If you shop around, you may find that other insurers are willing to offer much lower rates. This can help you to make major savings on your annual premium. Being loyal to your present insurer may prove to be very costly in this case.
Check the reputation of the insurers
While it is important to find the best deals, you also need to consider the track record of the insurers before you sign up. You can find a lot of information via the Internet. Go through online reviews to check the customer ratings of the service providers. If you find that there are a lot of complaints against an insurer, it may be best to look elsewhere. Get free, no-obligation automobile insurance quotes from the leading insurers now.
Car Insurance Comparison
Looking for an easy way to do a car insurance comparison? Well, you have come to the right place at CarInsuranceComparison.com because let’s face it; choosing car insurance can be a chore.
Unfortunately, since car insurance is required by law in almost every state and not having car insurance can really create more trouble than you need, it is very important to make a thorough car insurance comparison before buying car insurance.
It is important to know why you need to do a thorough auto insurance comparison, what you should be comparing, and how to evaluate your results to make the best selection. Read on to learn all about how to find the best car insurance rates, but if you just want to hop right to it and compare car insurance quotes online ASAP then there is no need to wait - just enter your zip code in on the top of this page for a free comparison of car insurance quotes from top car insurance companies!
Why You Need a Thorough Car Insurance Comparison
Most of us make the mistake of thinking that car insurance policies are pretty much the same; that all we need to do is pick the policy with the best price and we are good to go. Nothing could be further from the truth.
While finding cheap car insurance is important (and we will tell you exactly how to do just that), each car insurance company (and there are a bunch of them out there) has many different policy types, each one has different levels of coverage, coverage options, incentives and discounts. Take a few moments and do an online car insurance policy comparison with a few of the best car insurance providers side by side and you will see exactly why this is so important.
Also, the cost associated with each of these different policies can vary greatly depending on the company you choose and the policy type, the coverage amount, and any other of a dozen different options you might select. Check out our auto insurance comparison chart and then just enter your zip above for a free online car insurance quote comparison.
To make it even more interesting, consider that different models of cars have different car insurance rates. If you want to compare car insurance rates for different cars before buying a car then you are already way ahead of the curve. You can get a free car insurance cost comparison if you just enter your zip in above.
(What did you say? We are the best car insurance comparison site? You make us blush!... In all seriousness, you may get sick of hearing the often simplistic sounding advice from us to "compare free car insurance quotes online by just entering in your zip code" or to "do your homework and do an online insurance comparison of rates from all of the best car insurance companies" but hey, if a few minutes comparing quotes online ends up saving you $250 or more then it all works out quite nicely, doesn't it?)
What You Need to Consider in Your Car Insurance Comparison
The key issues you need to prioritize include the level of insurance coverage you need, the amount of money you can afford to pay for your car insurance, and the type of insurance company you want to do business with. When you consider the level of insurance coverage you need you will need to do an honest evaluation of: your driving habits, your driving environment, and the type of situation you will be able to accommodate if you are ever need to file a claim. Getting a car insurance companies comparison online is simple with our free tool but keeping your head in the game and weighing all of your options is important to really save the big bucks and find an affordable car insurance policy.
Yes, it does matter how, when, and where you drive. Since insurance companies will evaluate these factors, you should as well. Be honest with yourself. If you regularly drive past the speed limit, if your daily drive includes major interstates and thoroughfares, or if your commute is an hour each way through any of the most populated cities in America then you might want to consider a higher level of coverage because you are in a higher risk category.
What that means is that your driving behavior, either good or bad will affect your chances of being classified as a high or low insurance risk. This is important because if you realize your driving risk category, you can make a more informed decision on whether you need basic coverage or a policy that includes every option known to man. Some companies even offer accident forgiveness policies if you are usually a good driver, but realize that even a good drive can have an accident.
You will also need to consider your driving environment. This includes more than just the area you drive through each day. You need to consider if you will be parking your vehicle on the street or if it will be locked in a garage, if you will be parking in any high crime areas or areas known for a high volume of vehicle accidents, or if the car you drive is a vehicle is commonly targeted for theft. Other considerations like if you have an alarm system or Lojack device installed can make a difference when deciding if you want coverage for theft of the vehicle. Installation of anti-theft devices will most likely lower your rates.
One of the biggest considerations you can make is to analyze how much cost can you bear when choosing any particular policy. How much you can afford can greatly affect how much coverage you can obtain as well as what type of company you can purchase from. There are companies that will offer you basic liability coverage for a very small monthly payment, there are companies that offer platinum level coverage options for payments that might make some executives flinch. You’ll need to find out where you fall between these two extremes; just remember that you often get what you pay for.
Also, when you start gathering price information for different policies and car insurance companies, you need to ask about any and all discounts, incentives, or promotions each company might have to save you money on your policy. Surprisingly, a high coverage/high dollar policy can become affordable after deducting all possible discounts, adding all available incentives, and taking advantage of any promotions offered.
Finally, you will need to think about the type of service and stability you want from the insurance company you will be doing business with. Despite the fact that insurance is one of the few products consumers purchase yet never want to use, it is almost inevitable that in all of your driving experiences you will need to file a claim at some point. When you do, you want to know that the insurance company you have been paying premiums to is still around to service that claim.
In addition, when they do service the claim you file, will they treat you as a valued customer, or an expense that needs to be settled? You will want to know what type of service history the company enjoys, is this the type of company you could recommend to your Mom or best friend? If so, there is a good chance it could be the company for you.
Evaluating Your Car Insurance Comparison Data
Once you have decided what coverage you want, how much you want to pay, and what type of company you want to service your insurance needs, you will need to gather data on the different companies that fit the bill. Our comparison tool above is one great resource. Just a few clicks and you will have side-by-side comparison information ready for you to evaluate.
Once you are here, decide on your priorities. You can rank price, coverage, and service/brand stability from one to three. Use this weighted list to narrow down the field to one or two really good choices. When your short list of car insurance companies is finished, no matter which option you select, you can be assured that your needs and wants will be met.
One final note; car insurance companies change rates regularly and often give considerable incentives to win new business from other companies. So, once you have have your short list of preferred insurance companies, don’t be afraid to go back and re-shop your options. You can sometimes save a bundle by just going back to your current insurance company to re-shop your rate and policy about every six months or so.
Get Free Car Insurance Quote Comparisons!
One thing is certain, we all need car insurance. If you have to have it, doesn’t it make sense to get to policy you really need, at the price you can really afford, and with a company you feel you can truly count on? Shopping car insurance may be a chore, but as important as being insured is, you will definitely want to take the time to do it right. Spend just a few quick minutes to enter your zip code into the box above and get started with your free car insurance quote comparison today!
Unfortunately, since car insurance is required by law in almost every state and not having car insurance can really create more trouble than you need, it is very important to make a thorough car insurance comparison before buying car insurance.
It is important to know why you need to do a thorough auto insurance comparison, what you should be comparing, and how to evaluate your results to make the best selection. Read on to learn all about how to find the best car insurance rates, but if you just want to hop right to it and compare car insurance quotes online ASAP then there is no need to wait - just enter your zip code in on the top of this page for a free comparison of car insurance quotes from top car insurance companies!
Why You Need a Thorough Car Insurance Comparison
Most of us make the mistake of thinking that car insurance policies are pretty much the same; that all we need to do is pick the policy with the best price and we are good to go. Nothing could be further from the truth.
While finding cheap car insurance is important (and we will tell you exactly how to do just that), each car insurance company (and there are a bunch of them out there) has many different policy types, each one has different levels of coverage, coverage options, incentives and discounts. Take a few moments and do an online car insurance policy comparison with a few of the best car insurance providers side by side and you will see exactly why this is so important.
Also, the cost associated with each of these different policies can vary greatly depending on the company you choose and the policy type, the coverage amount, and any other of a dozen different options you might select. Check out our auto insurance comparison chart and then just enter your zip above for a free online car insurance quote comparison.
To make it even more interesting, consider that different models of cars have different car insurance rates. If you want to compare car insurance rates for different cars before buying a car then you are already way ahead of the curve. You can get a free car insurance cost comparison if you just enter your zip in above.
(What did you say? We are the best car insurance comparison site? You make us blush!... In all seriousness, you may get sick of hearing the often simplistic sounding advice from us to "compare free car insurance quotes online by just entering in your zip code" or to "do your homework and do an online insurance comparison of rates from all of the best car insurance companies" but hey, if a few minutes comparing quotes online ends up saving you $250 or more then it all works out quite nicely, doesn't it?)
What You Need to Consider in Your Car Insurance Comparison
The key issues you need to prioritize include the level of insurance coverage you need, the amount of money you can afford to pay for your car insurance, and the type of insurance company you want to do business with. When you consider the level of insurance coverage you need you will need to do an honest evaluation of: your driving habits, your driving environment, and the type of situation you will be able to accommodate if you are ever need to file a claim. Getting a car insurance companies comparison online is simple with our free tool but keeping your head in the game and weighing all of your options is important to really save the big bucks and find an affordable car insurance policy.
Yes, it does matter how, when, and where you drive. Since insurance companies will evaluate these factors, you should as well. Be honest with yourself. If you regularly drive past the speed limit, if your daily drive includes major interstates and thoroughfares, or if your commute is an hour each way through any of the most populated cities in America then you might want to consider a higher level of coverage because you are in a higher risk category.
What that means is that your driving behavior, either good or bad will affect your chances of being classified as a high or low insurance risk. This is important because if you realize your driving risk category, you can make a more informed decision on whether you need basic coverage or a policy that includes every option known to man. Some companies even offer accident forgiveness policies if you are usually a good driver, but realize that even a good drive can have an accident.
You will also need to consider your driving environment. This includes more than just the area you drive through each day. You need to consider if you will be parking your vehicle on the street or if it will be locked in a garage, if you will be parking in any high crime areas or areas known for a high volume of vehicle accidents, or if the car you drive is a vehicle is commonly targeted for theft. Other considerations like if you have an alarm system or Lojack device installed can make a difference when deciding if you want coverage for theft of the vehicle. Installation of anti-theft devices will most likely lower your rates.
One of the biggest considerations you can make is to analyze how much cost can you bear when choosing any particular policy. How much you can afford can greatly affect how much coverage you can obtain as well as what type of company you can purchase from. There are companies that will offer you basic liability coverage for a very small monthly payment, there are companies that offer platinum level coverage options for payments that might make some executives flinch. You’ll need to find out where you fall between these two extremes; just remember that you often get what you pay for.
Also, when you start gathering price information for different policies and car insurance companies, you need to ask about any and all discounts, incentives, or promotions each company might have to save you money on your policy. Surprisingly, a high coverage/high dollar policy can become affordable after deducting all possible discounts, adding all available incentives, and taking advantage of any promotions offered.
Finally, you will need to think about the type of service and stability you want from the insurance company you will be doing business with. Despite the fact that insurance is one of the few products consumers purchase yet never want to use, it is almost inevitable that in all of your driving experiences you will need to file a claim at some point. When you do, you want to know that the insurance company you have been paying premiums to is still around to service that claim.
In addition, when they do service the claim you file, will they treat you as a valued customer, or an expense that needs to be settled? You will want to know what type of service history the company enjoys, is this the type of company you could recommend to your Mom or best friend? If so, there is a good chance it could be the company for you.
Evaluating Your Car Insurance Comparison Data
Once you have decided what coverage you want, how much you want to pay, and what type of company you want to service your insurance needs, you will need to gather data on the different companies that fit the bill. Our comparison tool above is one great resource. Just a few clicks and you will have side-by-side comparison information ready for you to evaluate.
Once you are here, decide on your priorities. You can rank price, coverage, and service/brand stability from one to three. Use this weighted list to narrow down the field to one or two really good choices. When your short list of car insurance companies is finished, no matter which option you select, you can be assured that your needs and wants will be met.
One final note; car insurance companies change rates regularly and often give considerable incentives to win new business from other companies. So, once you have have your short list of preferred insurance companies, don’t be afraid to go back and re-shop your options. You can sometimes save a bundle by just going back to your current insurance company to re-shop your rate and policy about every six months or so.
Get Free Car Insurance Quote Comparisons!
One thing is certain, we all need car insurance. If you have to have it, doesn’t it make sense to get to policy you really need, at the price you can really afford, and with a company you feel you can truly count on? Shopping car insurance may be a chore, but as important as being insured is, you will definitely want to take the time to do it right. Spend just a few quick minutes to enter your zip code into the box above and get started with your free car insurance quote comparison today!
Get Instant Auto Insurance Quotes Compare rates online Takes 2 minutes Save up to 60% Enter Your Zip Code: Colorado Auto Insurance – Get Free Quotes & Save 60%
Currently, Colorado requires that drivers have the minimum liability coverage as set forth in the law, and that drivers have proof of auto insurance with them at all times. Their laws are a little bit stricter than most states. Save on Colorado car insurance with coloradoautoinsurancequotes.org. Compare rates instantly online and see how much you can save.
There are a variety of penalties associated with driving without having proof of insurance in CO:
- 4 points on driving record
- 4 month license suspension
- 8 month license suspension
- Potential community service (40 hours)
Bear in mind that this is only the bare minimum coverage as mandated by the state. Many drivers opt for additional coverage. Liability coverage doesn’t insure you; so many drivers opt for collision and comprehensive, which insures your car after you pay a deductible up to the fair market value of your car.
Some people get higher liability limits, especially if they have a lot to lose in the case of a law suit. With medical costs up in the stratosphere and auto repairs being expensive, it might be a worthwhile investment.
If you are caught driving under the influence in Colorado, you could potentially face the following penalties:
SR-22 documents are proof that minimum liability coverage requirements for the State are met and being carried, though not everyone needs to file this. Generally these documents are necessary with people who had their license suspended and are trying to reinstate their driving privileges. These documents are currently required to be filed with the DMV in order to reinstate a license. Find cheap Colorado auto insurance and save hundreds!
There are a variety of penalties associated with driving without having proof of insurance in CO:
- First Offense
- 4 points on driving record
- Second Offense
- 4 month license suspension
- Third Offense
- 8 month license suspension
- Potential community service (40 hours)
Colorado Auto Insurance Minimum Coverage Requirements
The required coverage for the state of Colorado is 35/50/15. What this means is that each person involved in an accident will be insured by $35,000 for bodily injury up to a maximum of $50,000 per accident. The last part is $15,000 for property damage. This coverage is mandated and cannot be opted out of.Bear in mind that this is only the bare minimum coverage as mandated by the state. Many drivers opt for additional coverage. Liability coverage doesn’t insure you; so many drivers opt for collision and comprehensive, which insures your car after you pay a deductible up to the fair market value of your car.
Some people get higher liability limits, especially if they have a lot to lose in the case of a law suit. With medical costs up in the stratosphere and auto repairs being expensive, it might be a worthwhile investment.
UM/UIM Insurance Coverage in Colorado
Uninsured and Underinsured Motorist Coverage. Colorado doesn’t require UM or UIM. However, it might be something to consider. It protects you if you’re hit by someone that doesn’t have auto insurance. You can’t file a claim if there isn’t anyone to file it with.Additional Information on Colorado Car Insurance
Colorado does not require Personal Injury Protection coverage, as it is not one of the no-fault states. Personal Injury Protection is like liability coverage, except it covers you instead regardless of who was at fault for medical expenses and other damages.If you are caught driving under the influence in Colorado, you could potentially face the following penalties:
- Fine ($600-1000)
- 12 points on your license
- License Suspension (9 months)
- Community Service (48-96 hours)
- Imprisonment (5 days – 1 year)
SR-22 documents are proof that minimum liability coverage requirements for the State are met and being carried, though not everyone needs to file this. Generally these documents are necessary with people who had their license suspended and are trying to reinstate their driving privileges. These documents are currently required to be filed with the DMV in order to reinstate a license. Find cheap Colorado auto insurance and save hundreds!
Texas Auto Insurance
At Texasautoinsurancequotes.org, we are committed to finding the best value for your insurance dollar. Shopping for auto insurance is similar to shopping for any major item (a car, house, etc.). To find the best price and quality, start with comparing companies and products. Enter your zip code in the our quote box below to compare quotes from the leading carriers in your area.
Every state has rules and regulations regarding auto insurance and the minimum requirements drivers will need to carry. Presently, the State of Texas requires drivers to have property damage liability and bodily injury liability insurance. In addition, drivers must have proof of insurance with them at all times while driving.
You’ll be asked for proof of insurance if:
You’re in an accident
Your car is inspected
You’re renewing or getting a new license
You’re registering your car or renewing registration
A police officer asks for it:
Failure to comply with Texas’ financial responsibility laws could result in penalties.
First Offense: Fine ($175-350)
Further Offenses: Fine ($350-1,000), License Suspension, Car Impounding
Texas Minimum Auto Insurance Requirements
The minimum liability insurance limits for the State of Texas are 30/60/25. This means you’ll need to have at least $30,000 of bodily injury coverage for each person injured to a maximum of $60,000. In addition, you’ll need up to $25,000 in coverage against property damage. Keep in mind that this is the bare minimum, and that many drivers often opt for additional coverage.
Uninsured and Underinsured Motorist Coverage in Texas (TX)
The State of Texas doesn’t require UM/UIM coverage; however, it can be very helpful. As the names suggest, it will cover you if you’re in an accident with someone who doesn’t have insurance or doesn’t have enough insurance.
Additional Information on Texas Car Insurance
Texas is not considered a no-fault state, and therefore doesn’t require you to get Personal Injury Protection or PIP. PIP is like liability insurance as it will cover you for medical expenses, lost wages, among other damages. However, the difference lies in the fact that it will cover you, the policyholder, no matter who is at fault.
Texas also presently requires SR22 filings in order to reinstate licenses. These documents provide proof that you’re complying with the law by carrying the minimum levels of auto insurance required. It’s only necessary to be filed by people who have lost their driving privileges and are looking to get them back.
Texas also has a set of DUI laws, as all states do. If you’re found driving under the influence, you could face the following penalties:
First Offense:
Imprisonment (72 hours – 180 days) OR (180 days – 2 years if a minor under 15 was present)
Fine (Up to $2000) OR (Up to $10,000 if a minor under 15 was present)
License Suspension (90 days – 1 year)
DUI Surcharge ($1000 per year for 3 years) OR ($2000 per year for 3 years if your BAC (Blood Alcohol Content) is 0.16% or higher)
If you require any further information please visit the Texas Dept. of Insurance online at www.tdi.state.tx.us or call them at 800-252-3439. You might also want to check out this price comparisons tool by TDI that can help you compare rates among companies that sell liability car insurance coverage in Texas. These sample rates are estimates given to TDI by the carriers listed. Your actual premium will be based on your individual circumstances and could be higher or lower than the sample rates shown
Motor Home and Travel Trailer Insurance
The recreational vehicle (RV) market has grown over the last 30 years to include modest pop-up tent-trailers, small to large travel trailers which include slide-outs, and the more expensive motor-home or very expensive coaches.
It is critical to obtain insurance coverage for these vehicles because replacement costs are expensive. When speaking with your insurance agent about a policy that will cover your RV, be sure ask about coverages like the following:
Total Loss Replacement
Emergency Vacation Expense
Disappearing Deductibles
Full-Timer’s Package
Replacement Costs for Personal Effects
24-Hour Roadside Assistance
Windshield Coverage
Some of these coverages are more important than others so it is not suggested that you get them all, but all have value to you depending on your use and needs.
For example, if you have a relatively expensive RV, you might want to consider Total Loss Replacement coverage. This coverage would replace your RV with a new model of similar make and quality if your RV was totaled in an accident.
For those who use their RV several times during the year, Emergency Vacation Expense coverage is desirable. This coverage provides cash for lodging and transportation if the RV is damaged during a trip. Replacement Costs for Personal Effects protects the insured’s personal items such as clothing, cell phones, cameras, computers, etc.
The Full-Timer’s Package provides extra coverage for customers who use their RV as a home for some part of the year.
If you are a camper or an RV’er, consider speaking with your agent about what kind of policy you think you need for your particular unit.
Serenity Insurance provides motor home and travel trailer insurance through several insurance companies. As an independent insurance broker, Serenity can get the best policy with a competitive price for your RV
It is critical to obtain insurance coverage for these vehicles because replacement costs are expensive. When speaking with your insurance agent about a policy that will cover your RV, be sure ask about coverages like the following:
Total Loss Replacement
Emergency Vacation Expense
Disappearing Deductibles
Full-Timer’s Package
Replacement Costs for Personal Effects
24-Hour Roadside Assistance
Windshield Coverage
Some of these coverages are more important than others so it is not suggested that you get them all, but all have value to you depending on your use and needs.
For example, if you have a relatively expensive RV, you might want to consider Total Loss Replacement coverage. This coverage would replace your RV with a new model of similar make and quality if your RV was totaled in an accident.
For those who use their RV several times during the year, Emergency Vacation Expense coverage is desirable. This coverage provides cash for lodging and transportation if the RV is damaged during a trip. Replacement Costs for Personal Effects protects the insured’s personal items such as clothing, cell phones, cameras, computers, etc.
The Full-Timer’s Package provides extra coverage for customers who use their RV as a home for some part of the year.
If you are a camper or an RV’er, consider speaking with your agent about what kind of policy you think you need for your particular unit.
Serenity Insurance provides motor home and travel trailer insurance through several insurance companies. As an independent insurance broker, Serenity can get the best policy with a competitive price for your RV
MOTORCYCLE INSURANCE PROTECTION
Whether you’re a motorcycle enthusiast or a first-time rider out having fun, being responsible and being safe is what it’s all about. Being responsible includes having motorcycle insurance.
Most people rely on obtaining motorcycle insurance to protect themselves against loss in case of an accident. In many states, you must carry basic insurance to cover the cost of losses you cause to others in an accident. If the unexpected happens, motorcycle insurance gives you peace of mind in knowing you are protected.
There are policies for scooters and mopeds also at a lower cost that provides you with similar coverage that the motorcycle policy provides.
Most people rely on obtaining motorcycle insurance to protect themselves against loss in case of an accident. In many states, you must carry basic insurance to cover the cost of losses you cause to others in an accident. If the unexpected happens, motorcycle insurance gives you peace of mind in knowing you are protected.
There are policies for scooters and mopeds also at a lower cost that provides you with similar coverage that the motorcycle policy provides.
Cheap Car Insurance for Teen Drivers
Cheap car insurance for teen drivers is difficult to find and most preferred carriers consider a teen driver to be a high risk
Finding cheap car insurance for teen drivers is usually found with non-standard or high-risk providers. That doesn’t necessarily mean that this insurance is excessively more expensive, it just means that the services provided by these carriers, and the tiers of coverage provided may not be the same as the preferred carriers.
So how do parents go about getting cheap car insurance for an 18 year old? There are a few things that you can do, which will eventually help in reducing premium costs. For starters, make sure your teenager is well aware of the benefits of a clean driving record. He or she must know that piling up traffic tickets or mixing drinking and driving will have a negative impact on his or her chances of lower rates. Next, give your teenager a solid car that will ensure safety rather than admiration. Being low on mileage driven will also help. Less driving means less risk to insurance service providers, so ask your teenager to use the car wisely. Signing up for courses on safe driving will also help in getting cheap car insurance 18 year olds.
Ask for a quote from a broker or independent agent. You will be able to compare rates and coverage without doing a lot of comparison shopping at individual insurance companies and the broker will generally point you towards the best rate that they have.
Finding cheap car insurance for teen drivers is usually found with non-standard or high-risk providers. That doesn’t necessarily mean that this insurance is excessively more expensive, it just means that the services provided by these carriers, and the tiers of coverage provided may not be the same as the preferred carriers.
So how do parents go about getting cheap car insurance for an 18 year old? There are a few things that you can do, which will eventually help in reducing premium costs. For starters, make sure your teenager is well aware of the benefits of a clean driving record. He or she must know that piling up traffic tickets or mixing drinking and driving will have a negative impact on his or her chances of lower rates. Next, give your teenager a solid car that will ensure safety rather than admiration. Being low on mileage driven will also help. Less driving means less risk to insurance service providers, so ask your teenager to use the car wisely. Signing up for courses on safe driving will also help in getting cheap car insurance 18 year olds.
Ask for a quote from a broker or independent agent. You will be able to compare rates and coverage without doing a lot of comparison shopping at individual insurance companies and the broker will generally point you towards the best rate that they have.
9 hottest selling cars of 2013
Car sales are on a tear. Through the first five months of 2013, U.S. car sales are up by 8.2%, compared to the same period last year. Some of the more popular models have posted even more substantial growth, well into the double digits.
Most of the popular models with major increases in sales have undergone some significant changes recently. In most cases, it has been a design overhaul of the entire model.
Alec Gutierrez, senior market analyst at Kelley Blue Book, explained why redesigns of vehicles have had such an impact on the sales. “These are all the latest and greatest redesigns, so they really feature the best in terms of tech, in terms of features and amenities, in terms of style and design, and really in terms of fuel economy.”
The increasing importance of fuel economy gave some redesigned models a leg up on older models. It also led many auto manufacturers to introduce new hybrid models, which has boosted sales for some of the other models on this list. Lexus introduced the Lexus ES-300h to its ES line in 2012. Toyota released a hybrid model under its Avalon brand.
The importance of fuel efficiency also has led many auto buyers to transition to one of the fastest-growing segments in the auto business — crossover utility vehicles, or CUVs. Gutierrez explained that these cars are meeting the desire for the space and utility of an SUV with better fuel efficiency. CUV sales through May are up 13.9%.
Based on sales data provided by Kelley Blue Book, 24/7 Wall St. reviewed the nine models that sold more than 25,000 units in the United States between January and May of 2013, and are up by 25% compared to the same period of last year. We also reviewed the past five full years of sales. All combined fuel economy estimates listed are based on the smallest engine size and the least expensive configuration, with numbers provided by the U.S. Environmental Protection Agency.
These are the nine hottest cars this year.
9. Ford Escape
2013 Jan.-May sales: 127,932
2012 Jan.-May sales: 98,667
Pct. change in sales: 29.7%
Fuel economy: 26 mpg
Ford Motor Co. sold 127,932 Escapes in the first five months of 2013, a 29.7% increase from the same period in 2012. In 2008, Ford sold 139,434 units for the year. The Ford Escape’s 2013 model was the first full redesign since its introduction in 2001. The new model includes a panoramic moonroof, an automated parking option and a soft-touch dashboard. Popular Mechanics named the Escape “Car of the Year” in its 2013 Automotive Excellence Awards, praising the car’s “excellent engine options, abundance of technology and great price.”
8. Hyundai Elantra
2013 Jan.-May sales: 104,081
2012 Jan.-May sales: 80,114
Pct. change in sales: 29.9%
Fuel economy: 32 mpg
Last year, Hyundai sold nearly 188,000 Elantras, or more than double the number it sold in 2009. Hyundai is on pace to pass that figure this year as well — the Korean carmaker has sold more than 104,000 Elantras through May, up from slightly more than 80,000 at the same point in 2012. The Elantra was the second-most popular car sold by Hyundai in the first five months of 2013, after the Sonata. Likely contributing to sales, Hyundai added a coupe to its Elantra lineup for 2013. All three current Elantra models start at less than $20,000.
7. Chevrolet Tahoe
2013 Jan.-May sales: 35,067
2012 Jan.-May sales: 26,847
Pct. change in sales: 30.6%
Fuel economy: 17 mpg
Chevrolet is on pace to sell 84,161 Tahoes in 2013, a sizable increase from the 68,371 sold in 2012. Sales of the SUV have fluctuated in the past five years. The best year for Tahoe sales was in 2008, when Chevrolet sold 88,655. Sales then plummeted to 69,953 in 2009 before rising in 2010 and 2011. U.S. News and World Report rated the 2013 Tahoe the best affordable large SUV, beating out the Chevy Suburban, Ford Expedition and GMC Yukon. The publication said the Tahoe “offers good interior material quality with plenty of standard features, even on the base trim. Fully equipped, the Tahoe is a near-luxury SUV.”
6. Ford Explorer
2013 Jan.-May sales: 84,646
2012 Jan.-May sales: 63,269
Pct. change in sales: 33.8%
Fuel economy: 20 mpg
Sales of the Explorer cratered in 2009 and 2010, when fewer than 50,000 units were sold. But Explorer sales have skyrocketed in the past two years, with the help of a redesign for the 2011 model year that transformed the model from a traditional SUV to a crossover vehicle. In 2011 and 2012, Ford sold roughly 135,700 and 164,200 Explorers, respectively. Just through May 2013, sales for the model totaled almost 85,000 in the United States, an increase of more than 33% from the first five months of 2012. Some of this increased demand may have come from the addition in 2013 of the Sport trim of the model — the most expensive available on the Explorer at more than $40,000.
5. Subaru Forester
2013 Jan.-May sales: 40,578
2012 Jan.-May sales: 29,863
Pct. change in sales: 35.9%
Fuel economy: 23 mpg
Subaru is on pace to sell 97,387 Foresters in 2013, if sales continue at the rate of the first five months. This would be a major jump from the 76,347 sold in 2012. The Forester is the second most popular car sold by Subaru, after the Outback. The newly redesigned 2014 Forester, which went on sale earlier this year, was ranked as the top small SUV by Consumer Reports, which praised the vehicle’s “space-efficient design, large windows and big square doors,” among other things. The Forester was also the only small SUV to pass a front-offset crash test conducted by the Insurance Institute for Highway Safety.
4. Lexus ES
2013 Jan.-May sales: 27,813
2012 Jan.-May sales: 14,485
Pct. change in sales: 92%
Fuel economy: 24 mpg
The Lexus ES passed 56,000 in sales in 2012, after a difficult year in 2011 when sales fell to just 40,873. Likely helping to boost sales, Lexus released its sixth-generation ES-Series in 2012, which also included the launch of a new hybrid version of the ES 350, called the ES 300h. Buyers responded well to the new ES-Series vehicles, and so far in 2013 sales are up 92% from the year before. One possible incentive: the ES 300h gets 40 mpg combined, versus 24 mpg for the standard version model.
3. Toyota Avalon
2013 Jan.-May sales: 30,945
2012 Jan.-May sales: 14,883
Pct. change in sales: 107.9%
Fuel economy: 25 mpg
The Toyota Avalon’s sales more than doubled in the first five months of 2013, compared to the same period in 2012. In fact, the 30,945 Avalon units sold from January to May is more than Toyota Motor Corp. sold in any full calendar year between 2009 and 2012. The 2013 redesign “brought with it sleek new styling, a stiffer chassis, and improved ride and handling qualities,” according to Edmunds. In addition, Toyota released the Avalon Hybrid in 2012, which receives 40 mpg combined city and highway, compared to the 25 mpg of the non-hybrid version.
2. Mazda CX-5
2013 Jan.-May sales: 31,201
2012 Jan.-May sales: 11,480
Pct. change in sales: 171.8%
Fuel economy: 29 mpg
The Mazda CX-5 was new on the market in 2012. It has sold 43,319 units, more than any other model it produces except the Mazda3. In order to increase fuel efficiency, the Madza introduced its SkyActiv technology platform on the CX-5, which includes an efficient engine and transmission, as well as a lightweight chassis. Even with the model’s strong start last year, sales of the CX-5 have picked up even more in 2013, with more than 31,000 sold through the first five months of this year. Among the changes made for the 2014 model year, which is already out, is that the higher end versions come with a more-powerful engine that still maintains good fuel economy.
1. Nissan Pathfinder
2013 Jan.-May sales: 38,179
2012 Jan.-May sales: 12,644
Pct. change in sales: 202.0%
Fuel economy: 22 mpg
No top-selling car increased its sales more than the Nissan Pathfinder, as 202% more units were sold in the first five months of 2013, compared to the same period in 2012. The redesigned Pathfinder’s 22 mpg combined is higher than previous models. The vehicle also weighs 500 pounds less. Following a test drive, USA Today said the car is “quiet, soaks up bad pavement pretty well and is tastefully appointed inside.”
Most of the popular models with major increases in sales have undergone some significant changes recently. In most cases, it has been a design overhaul of the entire model.
Alec Gutierrez, senior market analyst at Kelley Blue Book, explained why redesigns of vehicles have had such an impact on the sales. “These are all the latest and greatest redesigns, so they really feature the best in terms of tech, in terms of features and amenities, in terms of style and design, and really in terms of fuel economy.”
The increasing importance of fuel economy gave some redesigned models a leg up on older models. It also led many auto manufacturers to introduce new hybrid models, which has boosted sales for some of the other models on this list. Lexus introduced the Lexus ES-300h to its ES line in 2012. Toyota released a hybrid model under its Avalon brand.
The importance of fuel efficiency also has led many auto buyers to transition to one of the fastest-growing segments in the auto business — crossover utility vehicles, or CUVs. Gutierrez explained that these cars are meeting the desire for the space and utility of an SUV with better fuel efficiency. CUV sales through May are up 13.9%.
Based on sales data provided by Kelley Blue Book, 24/7 Wall St. reviewed the nine models that sold more than 25,000 units in the United States between January and May of 2013, and are up by 25% compared to the same period of last year. We also reviewed the past five full years of sales. All combined fuel economy estimates listed are based on the smallest engine size and the least expensive configuration, with numbers provided by the U.S. Environmental Protection Agency.
These are the nine hottest cars this year.
9. Ford Escape
2013 Jan.-May sales: 127,932
2012 Jan.-May sales: 98,667
Pct. change in sales: 29.7%
Fuel economy: 26 mpg
Ford Motor Co. sold 127,932 Escapes in the first five months of 2013, a 29.7% increase from the same period in 2012. In 2008, Ford sold 139,434 units for the year. The Ford Escape’s 2013 model was the first full redesign since its introduction in 2001. The new model includes a panoramic moonroof, an automated parking option and a soft-touch dashboard. Popular Mechanics named the Escape “Car of the Year” in its 2013 Automotive Excellence Awards, praising the car’s “excellent engine options, abundance of technology and great price.”
8. Hyundai Elantra
2013 Jan.-May sales: 104,081
2012 Jan.-May sales: 80,114
Pct. change in sales: 29.9%
Fuel economy: 32 mpg
Last year, Hyundai sold nearly 188,000 Elantras, or more than double the number it sold in 2009. Hyundai is on pace to pass that figure this year as well — the Korean carmaker has sold more than 104,000 Elantras through May, up from slightly more than 80,000 at the same point in 2012. The Elantra was the second-most popular car sold by Hyundai in the first five months of 2013, after the Sonata. Likely contributing to sales, Hyundai added a coupe to its Elantra lineup for 2013. All three current Elantra models start at less than $20,000.
7. Chevrolet Tahoe
2013 Jan.-May sales: 35,067
2012 Jan.-May sales: 26,847
Pct. change in sales: 30.6%
Fuel economy: 17 mpg
Chevrolet is on pace to sell 84,161 Tahoes in 2013, a sizable increase from the 68,371 sold in 2012. Sales of the SUV have fluctuated in the past five years. The best year for Tahoe sales was in 2008, when Chevrolet sold 88,655. Sales then plummeted to 69,953 in 2009 before rising in 2010 and 2011. U.S. News and World Report rated the 2013 Tahoe the best affordable large SUV, beating out the Chevy Suburban, Ford Expedition and GMC Yukon. The publication said the Tahoe “offers good interior material quality with plenty of standard features, even on the base trim. Fully equipped, the Tahoe is a near-luxury SUV.”
6. Ford Explorer
2013 Jan.-May sales: 84,646
2012 Jan.-May sales: 63,269
Pct. change in sales: 33.8%
Fuel economy: 20 mpg
Sales of the Explorer cratered in 2009 and 2010, when fewer than 50,000 units were sold. But Explorer sales have skyrocketed in the past two years, with the help of a redesign for the 2011 model year that transformed the model from a traditional SUV to a crossover vehicle. In 2011 and 2012, Ford sold roughly 135,700 and 164,200 Explorers, respectively. Just through May 2013, sales for the model totaled almost 85,000 in the United States, an increase of more than 33% from the first five months of 2012. Some of this increased demand may have come from the addition in 2013 of the Sport trim of the model — the most expensive available on the Explorer at more than $40,000.
5. Subaru Forester
2013 Jan.-May sales: 40,578
2012 Jan.-May sales: 29,863
Pct. change in sales: 35.9%
Fuel economy: 23 mpg
Subaru is on pace to sell 97,387 Foresters in 2013, if sales continue at the rate of the first five months. This would be a major jump from the 76,347 sold in 2012. The Forester is the second most popular car sold by Subaru, after the Outback. The newly redesigned 2014 Forester, which went on sale earlier this year, was ranked as the top small SUV by Consumer Reports, which praised the vehicle’s “space-efficient design, large windows and big square doors,” among other things. The Forester was also the only small SUV to pass a front-offset crash test conducted by the Insurance Institute for Highway Safety.
4. Lexus ES
2013 Jan.-May sales: 27,813
2012 Jan.-May sales: 14,485
Pct. change in sales: 92%
Fuel economy: 24 mpg
The Lexus ES passed 56,000 in sales in 2012, after a difficult year in 2011 when sales fell to just 40,873. Likely helping to boost sales, Lexus released its sixth-generation ES-Series in 2012, which also included the launch of a new hybrid version of the ES 350, called the ES 300h. Buyers responded well to the new ES-Series vehicles, and so far in 2013 sales are up 92% from the year before. One possible incentive: the ES 300h gets 40 mpg combined, versus 24 mpg for the standard version model.
3. Toyota Avalon
2013 Jan.-May sales: 30,945
2012 Jan.-May sales: 14,883
Pct. change in sales: 107.9%
Fuel economy: 25 mpg
The Toyota Avalon’s sales more than doubled in the first five months of 2013, compared to the same period in 2012. In fact, the 30,945 Avalon units sold from January to May is more than Toyota Motor Corp. sold in any full calendar year between 2009 and 2012. The 2013 redesign “brought with it sleek new styling, a stiffer chassis, and improved ride and handling qualities,” according to Edmunds. In addition, Toyota released the Avalon Hybrid in 2012, which receives 40 mpg combined city and highway, compared to the 25 mpg of the non-hybrid version.
2. Mazda CX-5
2013 Jan.-May sales: 31,201
2012 Jan.-May sales: 11,480
Pct. change in sales: 171.8%
Fuel economy: 29 mpg
The Mazda CX-5 was new on the market in 2012. It has sold 43,319 units, more than any other model it produces except the Mazda3. In order to increase fuel efficiency, the Madza introduced its SkyActiv technology platform on the CX-5, which includes an efficient engine and transmission, as well as a lightweight chassis. Even with the model’s strong start last year, sales of the CX-5 have picked up even more in 2013, with more than 31,000 sold through the first five months of this year. Among the changes made for the 2014 model year, which is already out, is that the higher end versions come with a more-powerful engine that still maintains good fuel economy.
1. Nissan Pathfinder
2013 Jan.-May sales: 38,179
2012 Jan.-May sales: 12,644
Pct. change in sales: 202.0%
Fuel economy: 22 mpg
No top-selling car increased its sales more than the Nissan Pathfinder, as 202% more units were sold in the first five months of 2013, compared to the same period in 2012. The redesigned Pathfinder’s 22 mpg combined is higher than previous models. The vehicle also weighs 500 pounds less. Following a test drive, USA Today said the car is “quiet, soaks up bad pavement pretty well and is tastefully appointed inside.”
2014 Mercedes-Benz CLA
Mercedes has been toying with bringing Americans a compact Benz since Harry Truman was in the White House. Okay, not quite, but it seems that way. Think of how much money Mercedes hasn't made while BMW brought the 1 Series, and then several hundred thousand Minis, to the U.S.
Now Mercedes is finally pulling the trigger. What the CLA promises, Mercedes says, is something slicker than we've seen on American shores, and the first A-Class to grace the New World will arrive as an AMG with a muscular 300-hp turbocharged four-cylinder fed to all-wheel drive. It's even possible we'll see a double-clutch, seven-speed automatic.
Only the sedan version of the smallest Benz will come to America, probably because the hatch versions of the 1 Series and the Audi A3 haven't sold well here. After the CLA AMG debuts, though, we will see more fuel-efficient CLAs with smaller engines, possibly a diesel, and front-wheel drive.
Now Mercedes is finally pulling the trigger. What the CLA promises, Mercedes says, is something slicker than we've seen on American shores, and the first A-Class to grace the New World will arrive as an AMG with a muscular 300-hp turbocharged four-cylinder fed to all-wheel drive. It's even possible we'll see a double-clutch, seven-speed automatic.
Only the sedan version of the smallest Benz will come to America, probably because the hatch versions of the 1 Series and the Audi A3 haven't sold well here. After the CLA AMG debuts, though, we will see more fuel-efficient CLAs with smaller engines, possibly a diesel, and front-wheel drive.
2014 Jeep Liberty
Jeep has a real conundrum on its hands. Diehard off-roading loyalists want every Jeep to be capable of conquering mule paths and mud bogs. But the RAV4, CR-V, and Santa Fe buyers that Jeep would like to entice don't care about rock-crawling prowess. They care about modern amenities such as hitting 70 mph highway speeds with low noise and vibration and little harshness; carlike handling; and reliability. All-wheel drive is fine if it gets you out of the driveway on a snowy morning, but that's as much Trail Rating as they need.
We think that means Chrysler is going to push back against those sensitive Jeep fans, hard. That translates to a Liberty that is a Jeep in name but carries the same chassis that undergirds the new Dodge Dart. Expect a fully independent suspension and 4WD but no low range, even if hill-descent control is an option. There's also rumor of an all-new V-6 (the outgoing 3.7-liter V-6 was anemic, unrefined, and thirsty), and a ZF-sourced nine-speed automatic. That would mean a whopping five more forward gears than the outdated four-speed auto in the old Liberty (pictured above). The base Liberty could have the same 1.4-liter turbo deployed in the new Dart, and, though it is sacrilege to some Jeep fans, front-wheel drive
We think that means Chrysler is going to push back against those sensitive Jeep fans, hard. That translates to a Liberty that is a Jeep in name but carries the same chassis that undergirds the new Dodge Dart. Expect a fully independent suspension and 4WD but no low range, even if hill-descent control is an option. There's also rumor of an all-new V-6 (the outgoing 3.7-liter V-6 was anemic, unrefined, and thirsty), and a ZF-sourced nine-speed automatic. That would mean a whopping five more forward gears than the outdated four-speed auto in the old Liberty (pictured above). The base Liberty could have the same 1.4-liter turbo deployed in the new Dart, and, though it is sacrilege to some Jeep fans, front-wheel drive
2014 Porsche Macan
Porsche loyalists, look away. You might cry foul over this latest VW Group tie-up with Porsche, but Porsche can't hear you over the ka-ching of all those dollars, euros, yen, and yuan.
We actually have high hopes for the Audi Q5–based Macan. The reason: The Q5 could be much more capable than it is, but while we don't foresee Audi bringing us an R-edition Q5, we can believe Porsche would go there.
At first, we expect Porsche to go for improved handling, the way it built the Cayenne to be a more capable high-speed machine than the VW Touareg. AWD will be a given, as will two Audi-derived engines, the 237-hp 2.0-liter turbo four and the 288-hp V-6. Rumors suggest that a manual gearbox could be possible, but we're betting on a seven-speed auto, though there's still hope it could come in a dual-clutch arrangement.
We actually have high hopes for the Audi Q5–based Macan. The reason: The Q5 could be much more capable than it is, but while we don't foresee Audi bringing us an R-edition Q5, we can believe Porsche would go there.
At first, we expect Porsche to go for improved handling, the way it built the Cayenne to be a more capable high-speed machine than the VW Touareg. AWD will be a given, as will two Audi-derived engines, the 237-hp 2.0-liter turbo four and the 288-hp V-6. Rumors suggest that a manual gearbox could be possible, but we're betting on a seven-speed auto, though there's still hope it could come in a dual-clutch arrangement.
2014 Audi A3
The forthcoming A3 will be based on the VW Golf. It would be nice if the U.S. got the hatch, but that's unlikely. We probably will get a diesel A3, though, and the four-door sedan will come in a hotter S3 version that's also a possibility for North America, though an über-powerful RS3 is highly unlikely.
Hopefully the chassis that underpins the new Audi will be more modular than previous versions. That would allow integration of hybrid tech and front-drive or AWD setups that could shave weight on various Audis and Volkswagens, helping engineers to increase fuel economy while downsizing displacement.
Hopefully the chassis that underpins the new Audi will be more modular than previous versions. That would allow integration of hybrid tech and front-drive or AWD setups that could shave weight on various Audis and Volkswagens, helping engineers to increase fuel economy while downsizing displacement.
Chevy Corvette C7
We know more about the next Vette than we did just a few months ago. Gone are thoughts of a split rear window, a turbocharged V-6, or a midengine design. It now appears that the C7 will debut at this coming winter's North American auto show in Detroit with a 5.5-liter V-8 that still uses pushrods. However, thanks to direct injection and higher compression, it's reasonable to expect the new Corvette to put out 440 hp, so it could match or best the outgoing 6.0-liter.
The car will be visually arresting for certain. Inspiration will come at least in part from the present Camaro. One sure bet—GM will finally, praise heaven, give its $50,000 Ferrari slayer an interior that's gorgeous, and with seats that hold the driver comfortably on track day.
The car will be visually arresting for certain. Inspiration will come at least in part from the present Camaro. One sure bet—GM will finally, praise heaven, give its $50,000 Ferrari slayer an interior that's gorgeous, and with seats that hold the driver comfortably on track day.
2014 Jaguar F-Type Roadster
Jaguar's C-X16 concept from 2011 makes its production debut as the new F-Type with a supercharged 3.0-liter V-6 that should make 380 hp. Expect at least one turbocharged 2.0-liter four-cylinder derived from the Range Rover Evoque, but that powerplant probably won't be sold in the U.S. Both engines will be mated to eight-speed automatics with start–stop technology.
An aluminum body will keep weight down but price up. Expect this Jag to compete with the Porsche Boxster as well as with the Audi TT-RS. The platform may also underpin a forthcoming XF sedan replacement.
An aluminum body will keep weight down but price up. Expect this Jag to compete with the Porsche Boxster as well as with the Audi TT-RS. The platform may also underpin a forthcoming XF sedan replacement.
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