Saturday 3 October 2015

Car Insurance - Buy Smart


You can pay anywhere from $500 to $2,000 for the same car insurance policy, so it pays to shop around, and do your homework. However, cost savings shouldn't be your only concern. When you buy insurance, you're actually buying protection; and pinching a penny can come back to bite you, if you're not careful. Here are some tips to help you make good decisions when purchasing car insurance.

In some states, like Texas, 30% of drivers don't have insurance, or adequate insurance, so it's critical to get uninsured/underinsured motorist coverage to cover your medical bills, lost wages and pain and suffering in the event that an uninsured motorist injures you.

Think beyond your car. The more assets, and income you have, the more insurance you need. A personal liability umbrella policy, in conjunction with homeowner's coverage is not very expensive, yet can provide critical protection of your wealth. If you already have good family health insurance, you might be able to avoid paying more for personal injury protection or medical payment insurance related to your car coverage.

Your neighborhood counts. Crime rates are a factor. Consider the types of cars those around you drive. If you live in a nice area, full of high-end cars, you may want to increase your property damage coverage. If you live in a rural area, you'll probably enjoy lower rates than those living in high-traffic urban areas. Living in downtown Dallas, Texas, is likely to cost you more than living in a quiet suburb on the outskirts of Kansas City, Missouri.

Where you park your car might impact your insurance premium. If you park inside a garage, it's less vulnerable to theft and weather damage than parking it in a driveway or street, and it may entitle you to a discounted rate. If you work at home, have a short daily commute, or use public transportation, you might also be able to save some money on your car insurance policy with a low mileage discount.

Depending on what you do for a living, you might be able to save on your car insurance premium. Some professions are deemed lower risk. Teachers, scientists, police officers and firefighters often get discounts on their insurance premiums.

College students that go to school more than 100 miles away from home may qualify for a discount, based off the assumption they're seldom behind the wheel of the family car. Getting good grades pays, in more ways than one. Ask about good student discounts.

It pays to get married. Married men statistically have fewer accidents than single men, so if you are looking for a little extra incentive to take the plunge, consider the savings on your car insurance premium - just don't make it part of your proposal. If you have more than one car in your home, ask about a multi-car discount.

Drive safe. A speeding ticket can cost you more than just the fine. A bad driving record can also jack up your premium costs. Next time you're in a hurry, slow down, and protect yourself and your wallet.

Buying the right kind of car can save on auto insurance. Cars with built in safety features like anti-lock brakes, side air bags and automatic safety belts cost less to insure. Cars that are frequently stolen generally have higher insurance premiums. You can check with the Highway Loss Data Institute for theft reports on the make of car you are considering buying.

If you have your heart set on a sporty vehicle, make sure your wallet is prepared to handle the higher insurance premium. Rates can be significantly higher for high-performance vehicles. If you have a loan on your car, the lender has a say in what type of coverage you have on your vehicle to protect their investment. Be wise and ask your insurance agent how much it would cost to insure the car you are considering buying, before you sign on the bottom line.

You can reduce your monthly premium on car insurance if you are willing to live with a higher deductible. If you're good driver, it could be worth considering. As your car gets older, you may also want to change your coverage to save money. If the actual cash value of your car is very low, you might want to consider dropping comprehensive and collision coverage. However, never skimp on liability coverage, regardless of the age or value of your vehicle, because if you cause a serious accident, you could be on the hook for hundreds of thousands of dollars.

While you can get fast quotes for car insurance online at sites like www.Redrockautoinsurance.com, it's smart to ask an agent to help you factor in all the considerations to get coverage that provides coverage matched to your lifestyle.

Article Source By David A Thompson

Car Insurance Texas



Car  Texas Insurance:

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2015 BMW 7 Series

The 2015 BMW 7 Series has renewed the brand’s assault on the luxury class.

Set to go on sale in the UK on 24 October, the upmarket saloon has been comprehensively re-engineered in a move that sees it shed up to 130kg over its predecessor through the adoption of a new hybrid construction process that uses varying forms of carbonfibre in load-bearing areas of its body structure.

Further developments include newly developed in-line six-cylinder petrol and diesel engines and a plug-in hybrid model with an electric range of up to 25 miles. The 7 Series also gets a heavily reworked chassis that combines four-wheel steering with four-wheel drive for the first time, a remote parking system that allows you to step out of the car before it parks itself and a series of new iDrive control functions, including both touch and gesture controls that allow the driver to deliver commands with a wave of the hand.

The new 7 Series, codenamed G11 (short wheelbase) and G12 (long wheelbase), maintains the visual identity of the previous-generation model. The traditional three-box silhouette is retained, albeit with a slightly more raked rear window and a more heavily sloping boot lid that serve to provide it with a sleeker profile.

Among the detail changes are a more prominent kidney grille with flaps that open to increase airflow to the engine bay when required, larger LED headlights (with optional laser high beams from the i8), a more heavily structured front bumper with integral LED foglights and a more heavily contoured bonnet.

Along the flanks there is now a more pronounced shoulder, a taller glasshouse and a chrome highlight that runs from the air breather behind the front wheel arches and along the lower edges of the doors. The rear is distinguished by a high-set boot, traditional L-shaped tail-lights joined by a chrome strip and tail pipes set within the rear valance panel.

BMW has also developed four different styling packages for the new car: standard, M Sport, Pure Excellence and Individual.

At 5098mm in length, 1902mm in width and 1478mm in height, the new 7 Series is 19mm longer and 7mm higher than its predecessor in standard wheelbase guise, although it is the same width as before. The long-wheelbase variant gains an added 139mm in length, making it 18mm longer than the car it replaces, at 5238mm.

Both the standard and long-wheelbase variants share the same wheelbase measurements as the old 7 Series models, at 3070mm and 3210mm respectively. The front track has increased by 7mm in width at 1618mm, while the rear track is reduced by 4mm at 1646mm.

As with the exterior, the interior receives an evolutionary design update with a newly designed dashboard, controls and trims. Among the highlights are new digital instrument graphics that light up in either white, blue or red depending on the driving mode, a redesigned multi-function steering wheel and new front seats with ventilation and massage functions.

A long list of interior options includes items such as a heat comfort package which not only includes the seats and steering wheel but also the armrests in the doors, centre console and rear centre armrest. There is also a high-end Bowers and Wilkins surround-sound system, night vision, a glass roof that can be switched between six colours, inductive mobile phone charging and a head-up display featuring a 75% larger screen than before.

The big news is the appearance of a fifth-generation iDrive system. The significantly reworked set-up introduces new touchpad and touchscreen functions as part of an optional Navigation System Professional, allowing you to operate the various functions in a similar style to that of a smart phone with familiar pinch, point and swipe commands, or alternatively in a traditional manner via an updated rotary dial mounted on the car’s broad centre console.

There’s also optional gesture control for the first time. It uses a three-dimensional sensor mounted within the headlining to detect hand movements that are used to control functions including the volume of the audio system as well as the acceptance or rejection of calls. The new system detects five different gestures, including clamp, point, rotate, swipe and a two-finger command.

BMW’s new 7 Series will be launched with the choice of just two engines in the UK, both mated to a standard eight-speed automatic gearbox that uses a longer final drive ratio and a shift strategy that operates in conjunction with the satellite navigation system. Buyers can choose a Steptronic variant of the ZF-produced gearbox with shift paddles on the steering wheel as an option. It uses its own unique software mapping for sportier shifts and an integral launch control function.

The expected volume seller in the UK is the 730d, which receives BMW’s new B57 engine. The turbocharged 3.0-litre six-cylinder unit uses a new injector system that operates at 2500bar. It develops 7bhp and 45lb ft more than the N57-designated engine it replaces, with 261bhp and 457lb ft.

This is sufficient to provide the only diesel-powered model in the initial line-up with a 0-62mph time of 5.8sec and a 155mph top speed. BMW claims that it also brings an impressive 12.4mpg improvement in fuel consumption, at 62.8mpg, and a 29g/km reduction in CO2 emissions, at 119g/km.

The petrol engine is a new turbocharged 3.0-litre in line six-cylinder, the B58, which powers the 740Li. With 321bhp and 332lb ft, it delivers 6bhp and the same torque as the older N55 unit, endowing it with a 0-62mph time of 5.5sec and 155mph top speed along with combined fuel consumption of 42.8mpg and 154g/km of CO2.

In the first half of 2016, BMW will also provide the 7 Series with a plug-in hybrid petrol-electric system in a new 740e model. Already employed in the X5 xDrive40e, it uses BMW’s new B48 turbocharged 2.0-litre four-cylinder petrol engine and an electric motor mounted within the gearbox to provide a combined output of 321bhp, 0-62mph in 5.6sec and a 149mph top speed in hybrid mode.

In electric mode, it is claimed to provide a zero-emission range of up to 25 miles at speeds of up to 75mph. The new 740e is rated at 134.5mpg, with average CO2 emissions of just 49g/km.

The twin-turbocharged 4.4-litre V8 petrol unit will appear next year in the 750i Xdrive. The 90deg engine delivers 444bhp but, through a series of upgrades that include new twin-scroll turbochargers and a higher 10.5:1 compression ratio, it now provides an added 37lb ft of torque at 479lb ft. This gives the range-topping 7 Series a 0-62mph time of 4.4sec, a 155mph top speed, combined fuel consumption of 34.9mpg and CO2 emissions of 189g/km. A twin-turbo 6.0-litre V12 twin turbo is also set to join the 7 Series range later in its life. The V8 and the V12 are also set to be used by Rolls-Royce.

To further boost the model’s presence in the luxury performance market, BMW is looking at creating a new M7 or M750i M Performance version, likely to receive a heavily tuned version of the M5’s twin-turbo 4.4-litre V8 producing more than 600bhp.

All engines come as standard with an enhanced Drive Experience Control function, allowing the driver to choose between Comfort, Sport, Eco-Pro and a new adaptive mode that monitors your driving and automatically adjusts the car to suit. As in other recent new BMWs, the brake energy regeneration and automatic start-stop systems are complemented by a fuel-saving coasting function which decouples the engine on a periods of trailing throttle at speeds between 31 and 100mph.

All versions come with rear-wheel drive as standard. However, the optional four-wheel drive adds 70kg to the kerb weight.

The new 7 Series rides on a heavily reworked suspension system. It adopts air springs front and rear, rather than just at the rear as previously, providing constantly variable damping control, automatic self-levelling and the ability to alter the nominal 135mm ride height on the go. The driver can raise ground clearance by 20mm at the press of a button at speeds below 22mph, while in Sport mode the ride height is automatically reduced by 10mm at certain speeds for improved aerodynamic efficiency.

The new car also comes with optional electro-hydraulically operated roll bars as part of the Executive Drive Pro function on all but the 740i and 740e. They replace the previous hydraulically operated roll bars, bringing what BMW describes as faster damper reaction times for improved ride comfort, a more progressive build-up of lean and reduced levels of body roll.

As part of BMW’s weight-saving efforts, the wheel carriers, brake caliper housings, brake disc carriers and rear transverse suspension arms are all made of aluminium. Altogether some 40kg has been saved over the old 7 Series, bringing an impressive 10kg reduction in un-sprung mass at each corner. BMW also claims a perfect 50/50 front/rear weight distribution, while the efforts to trim weight within the body structure have also reduced the centre of gravity.

Allied to the new suspension is a new electro-mechanical steering system. The new 7 Series also offers an optional rear-wheel steer function on both rear and four-wheel-drive models. It provides up to 3deg of countersteer for added manoeuvrability around town, or alternatively 2deg of parallel steer for greater agility on the open road.

In what BMW is billing as a world first, the new 7 Series is capable of parking itself without the need for a driver to be behind the steering wheel. The so-called Remote Control Parking function uses a stereo camera mounted within the windscreen and radar sensors to allow forwards and reverse parking manoeuvres at the press of a button on the new digital key fob.

The 7 Series will cost from £64,530 in the UK for the 730d in short-wheelbase form and in standard trim. The petrol range starts at £72,060. Upgrading to M Sport trim puts £3650 onto the price, while long-wheelbase models add £3950 and xDrive models are £2730 more expensive.

Among the key rivals for BMW's 7 Series will be the new Audi A8, which has also been spotted testing, and the latest Mercedes-Benz S-Class.

2015 BMW M4 Review


2015 BMW M4 here just a little earlier - looking for a full, official details today - but we are not ones to look a gift horse (or gift website UK) in the mouth. So what is the problem with the new M4?

BMW M4 coupe and sedan versions of each other until BMW decides needed yet another name on the line, after all. At the heart of each one is a 3.0-liter twin-turbocharged engine in-line six-cylinder rated at 425 horsepower and 405 pound-feet of torque, according to data leak.

The new BMW M4 machine bears the codename of the S55 B30, and while it is based on the design and architecture of the familiar N55, a substantial redesign has changed throughout to cope with pressure and high RPM it will face. How high is their RPM? Well, the maximum power available from 5,500 rpm all the way up to 7,300 rpm, the top end is a bit high for a turbo car, and the engine rev limit is 7,600 rpm. Peak torque coming on as low as 1,800 rpm and remains to 5,500-rpm mark.

Being rear-wheel drive sport coupe as good or sedan should, M4 will have a choice of either a six-speed manual transmission (which claimed more than 25 pounds lighter than its predecessor), or seven -Speed ​​M DCT dual-clutch transmission. Both units are supplied by Getrag.

Mustang beat to the punch is usually not a concern to BMW, but this time, it looks like it might be important - for some, at least: M4 is said to offer "smoky burnout" setting, providing great burnouts easily automated. Take that, a muscle car.

Launch control is also included in a 2015 BMW M4, helping to improve the 0-60 mph acceleration times, or at least consistency. And those times, we do not have the numbers solid, but the car weighs approximately £ 3,430 in the form of a sedan, or £ 3,381 in the form of a coupe - with the weight of the transmission M DCT - they must be at least as fast as less-powerful, heavier E90 m3-series. In fact, BMW says they were about half a second faster than the previous M3. Top speed is limited to 155 mph, with a package of optional limiter raising push that to 174 mph.

Check back today for the official full details, photos, and more from the 2015 BMW M4.

Friday 2 January 2015

RENAULT BACK IN THE USA & CANADA ?

Following the last rumors, the Renault announcement and regarding an article from the French newspaper La Tribune, the next generation of Renault Latitude could be launched in the USA and Canada. Unfortunatly the American Renault Latitude won't have the Renault logo but it will be badged Mitsubishi.

Some fans already called it the 2015 Renault Premier...

The Peugeot Open Europe

The Peugeot Open Europe package is exclusively reserved for non-EU residents. Very close to a car rental, it allows you to drive a brand new Peugeot car during your vacation in Europe for 21 to 175 days (6 months).

Your car solution can now be tailored to meet your exact needs. Pick up and drop off your car in the city of your choice (41 points across Europe).

We offer the optimal car solution for your European vacation.

Find more and book with Peugeot Open Europe