auto insurance quote part 1: How much money do you get if your car is totaled?

Answer 1:
Never what you owe or what it will cost you to replace it. So the answer to the problem is GAP insurance! Small amount to pay for peace of mind that pays you the difference between loan/cost and adjusters appraisals, (which start at the bottom, wholesale)The haggling is what the adjuster is paid to do, not to be fair, but to save the insurance company the most they can, they are not your pals! Wife rear ended, she's ok totalled car retail $20,000, offered $15,500


Answer 2:
You should get ACV (actual cash value)

Do your homework before settling with the adjuster. Check newspaper ads, dealers etc., to see what a car like yours, similar condition and like mileage is worth in your area. Have 3 or 4 bona-fide local examples to take with you and show the adjuster.

A new car should not be a problem unless you have over-financed.

Some folks borrow more than the vehicle is worth to pay off an old one and you are what is termed to be "upside-down", meaning you owe more on the vehicle than its worth. If this is your situation and the car is totalled, you will be paid off the value of the vehicle but not what you over-financed.


Answer 3:
Having been in this situation in WVa, the insurance people have a standrd which is used. Usually it involves the the NADA book value. The low value - a certain amount if the the engine milege is 100,000 or more = settlement. My experiance was not good as I did not receive enough to pay the vehicle loan principle, even though the loan was for less that the purchase price.



Answer 4:
Ok. So I have just been told by the Claims Agent that my car it totaled. In my case to repair the damage would cost $3500. The value of my vehicle was only $4200. If it cost more than 70% of the total car value to fix, it is considered totaled.

So now I have two things to do. 1)Check the value of my car for myself. 2) Locate what it would cost to replace my exact car in the market today.

For the first item I will use these three websites and take the best results to use as a basis for determining what I will expect to get paid from my Insurance Agency. www.kbb.com, www.edmunds.com, and www.nada.com. Be sure to include your milage and all your vehicle features before caculating a price with these sites. Also, always use the RETAIL price that they generate because that is what you will have to pay to replace your car in the open market.

The second item takes a little more leg work. But thankfully for the internet this process is now a lot easier. Use the website www.autotrader.com. This will allow you to locate your specific car to see what people are actually selling it for. Most often is will be selling for more money than what your first step revealed.

Note: If you are having trouble locating a vehicle within 200 miles of where you live, then try and find a similar replacement vehicle you are interested and use that as your leverage.

I have been told that by law, your insurance company is only require to pay out the wholesale price of the vehicle. This is usually at least half of what the blue book value is. So don't get your insurance company mad at you, but also stick to your guns when trying to get more money to replace or fix your vehicle!

List of the cheapest automotive insurance

Cheapest Cars to Insure
The top ten cheapest cars to insure, regardless of who you are :




















# Buick LeSabre
# Oldsmobile Silhouette
# Honda Odyssey
# Buick Park Avenue
# Pontiac Montana
# Mercury Grand Marquis
# Buick Century
# Chevrolet Venture
# GMC Safari
# Oldsmobile Bravada

The insurers go by credit scoring, loss avergaes, etc. not just by the car you drive, of course.

Answer :
For liability only, it depends mostly on the driver an possibly a little bit on how much damage the car will do. (motorcycles cheap, SUV's expensive)

For full coverage it is a combination of how much it usually cost to repair it and how likely it will be to get in an at fault accident.

cadilacs are expensive to repair, fords are inexpensive

volvos are driven responsibly, mustangs are always getting to wrecks.

The cheapest to insure will be a sensible, afordable, small sedan with the most safety features and the cheapest engine, trim, features etc..

hope it helps

Nissan Latio @ Tiida review

What's the New?
Unlike many other new cars that usually replace an existing model, the Latio is a new name to Nissan. While we are told that it is not a direct replacement to the long-serving Sunny (a new model is planned) the Latio, which is meant to sit just below the well-known sedan, comfortably fills its shoes for now.

Aside from being similar in size to the current Sunny or Sentra, it has a list of standard features that would embarrass many more expensive self-proclaimed luxury cars. Take its intelligent key system for example, like the Keyless Go system first seen on the more expensive Mercedes-Benz models, Nissan's equivalent works in much the same way, letting the driver lock and unlock the doors or even start the engine without needing to fish the key from a pocket or handbag.

This keyless system works beautifully and is thoroughly idiot proof. We tried to 'fool' system by trying to lock the car with the key still in it. But in every one of our 'scenarios' the Latio kept its windscreen intact by refusing to lock us out.

Other notable features on Nissan's compact family car include a 'Clean Ion' climate control air-conditioning system that apparently charges the cooled cabin air with negative ions which is supposed to be good for you.

All but the base model also get upholstery in a combination of leather and suede-like Alcantara which not only feels good but keeps its occupants from sliding in theirs seats if the driver gets too enthusiastic in his driving.

Although the Latio scores highly on the feature count, its exterior design leaves something to be desired. Opt for the hatchback variant, the Latio Sport however, and the car's proportions are much better resolved with a more contemporary stance. With the same features as the sedan, the Sport manages to offer more style, without forsaking any of its substance.

How It Performs
Animated by a 1.5-litre engine, the Latio is available with either a five-speed manual or Continuously Variable Transmission (CVT). With the latter, no one expects the Latio to be a sports car but in reality is deceptively spritely as its superb noise insulation and refinement does a good job of hiding its surprising pace.

Approach three-figure speeds and the Latio Sport turns in a much better composed ride than the sedan as it feels more stable in places where its sibling started to 'float'.


How It Stacks Up
By now you might be able to tell that we'd pick the Latio Sport over the sedan anytime. This choice is also made easier knowing that it more than makes up for the obvious deficit in boot space with a rear bench that slides fore and aft to offer more legroom or cargo space. For good measure the rear backrests also split and fold in a 60:40 ratio for longer loads.

With this versatility, generous appointment, decent styling - and significantly - keen pricing, it's easy to see why we're tempted to call this small car the

Cars insurance : 'highest in 2 years'

Comprehensive motor insurance policies purchased in the direct market are at the most expensive they have been in the past two years, according to Experian.

Research conducted in the process of establishing the information analyst's Motor Insurance Benchmark, revealed that the average direct market quote for comprehensive motor insurance rose by 7.9 per cent in May 2007 compared with the same period last year.

The study also showed that while intermediary market policies are at the highest in the last 11 months, year on year they have dropped 3.7 per cent, making them cheaper than their direct equivalents.

An average May 2007 premium from a direct insurer cost £560 compared to £529 for cover in the intermediary market, which now quotes premiums on average 5.5 per cent lower.

Meanwhile, third party, fire and theft premiums are higher in both markets than comprehensive because they are mainly taken out by younger drivers with low excesses.

Cobra MKIV CRS AC Sports Car 4942 cc V8 Engine

AC Cobra MKIV CRS

Cobra MKIV CRS AC Sports Car 4942 cc V8 Engine.
The AC Cobra CRS will use the same five-speed gearbox as the Superblower, together with a Hydratrak limited slip differential, independent front and rear suspension, rack and pinion steering and disc brakes all round (ventilated at the front).
The AC Cobra MKIV CRS is closely related to the AC Superblower (the CRS shares its chassis and a naturally aspirated version of its power unit). Significant weight savings have been made possible on the AC Cobra MKIV CRS through the use of an advanced specification carbon fiber body.

AC 3000ME a Sports Car Coupe Ford V6 engine

AC 3000ME

AC 3000ME a Sports Car Coupe Ford V6 engine

The AC 3000ME Prototype was powered by a Ford V6 and clothed in a grp body.The AC 3000ME was first introduced at the 1973 Earls Court Motor Show. It wasn't until 1979 that the first production AC 3000ME's were delivered, and the price had almost tripled since its initial showing. The AC 3000Me continued to be manufactured for six years with production moving to Scotland before the company ran into financial trouble in 1985 and the 3000Me was discontinued.The AC 3000ME was a 2 door, 2 seat, coupe with a mid-engine layout, perimeter steel chassis, 4 wheel independent suspension and superb handling

Toyota PM Concept Car a personal transport concept

Toyota PM Concept Car

Toyota PM is highly maneuverable thanks to its castor like wheels capable of rotating through 180 degrees. The front wheels are also notable because of their hub-less design.
The futuristic Toyota PM concept from 2003 is a personal transport concept.
The PM's cockpit opens by touching one of the unusual stalk mounted headlights, this then glows green to announce the impending opening of the glass canopy.
Another interesting feature Toyota has built into the PM is its adjustable ride height and attitude. As the PM's speed increases it lowers to the ground to increase stability and improve aerodynamics.
Inside the PM information regarding vehicle performance and the location of other PM's is relayed to the single occupant by a floating virtual display.
Power for the concept comes from an electric motor.