How Technology Transformed the Automotive Industry

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Autonomous car

Technologies are getting more advanced each year. It has also made a significant impact on all cars today. For example, the first cars that were built back then were made purely for transport. However, the vehicles that are made today are now combined with advanced technology that provides a more virtual driving experience.

Mobile Connection

Smartphones are huge, and almost everyone on the planet has one. When you buy a new car, you’ll find that many of them can now be connected to a phone using an app and an internet connection. Some of the vehicles may even have built-in apps that can connect to any smartphones. These apps are useful for different things such as the use of GPS or for locking or unlocking your car without any keys.

Autonomous Vehicles

Believe it or not, some vehicles are automated meaning you don’t need to drive the car as it will drive itself for you. Cars are also now integrated with smart navigation which is useful for parking as it uses the surroundings to navigate without hitting any nearby vehicles. This automation will help reduce car crash and accidents which provides a safer driving experience.

Smart Systems

Cars are now built with smart systems to make driving more hassle-free. A few more examples of these include helping you find the nearest parking spots, re-routing for less traffic or paying for your parking tickets in advanced. These systems make the driving experience more comfortable and safer.

The Future of Automotive

The advancement of technology in the next coming years means that we will be looking for newer trends that will further improve the experience of driving a car. There are already some new trends that we’re hoping to see in the next few years. It includes vehicle diagnostics and car responsiveness.…

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20 CHEAPEST CARS TO INSURE

20 Cheapest Cars to Insure for 17 Year Olds

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What are cheapest cars to insure ?

Passing your driving test makes you feel on top of the world and buying a new car is the second most exhilarating experience for any young person. Nonetheless, the cards are slightly stacked up against you, due to expensive insurance premiums which are likely to pluck down on your bank balance.

 

These high costs are not random, but rather relate to the fact that young drivers are more likely to overtake on blind bends, speed, drink drive, or fail to wear a seatbelt. This means that people aged 17 are considered high-risk drivers. So, the smart move is finding a car which can be easily insured on a tight budget. In this article, we’ll share the 20 cheapest cars you can insure especially for teens.


 

Volkswagen Up

Volkswagen Up - very affordable to insure

The charm and personality of the Volkswagen Up extend to more than its size and looks. Comfortable and reliable on the road, young drivers will surely have fun in this nearly-silent vehicle. Designed for in-town drives to and from work, it’s not to say that the car won’t perform on the occasional motorway road trip – just don’t expect too much from this friendly price tag.

The Benefits
It’s a smart and customizable car, featuring a smartphone sat-nav system bound to attract young buyers. Practical and quality assured, there is excellent value for money when it comes to the Volkswagen Up. Needless to say, it’s among the cheapest cars to insure too.

 

Hyundai i10 1.0 SHyundai i10 1.0 S - cheapest insurance

Hyundai’s i10 model has a plethora of features to offer. The vehicle is an excellent blend of comfort, space and value, despite its quite basic outside appearance. However, if you’re looking for practicality over looks, Hyundai’s smallest model is a winner.

The Benefits
First of all, Hyundai’s five-year warranty is possibly the most significant unique selling point (USP) for both youngsters and parents investing in their children’s first car. With excellent visibility and light control, the vehicle is a brilliant size for added control through crowded city streets – while motorway handling is still safe and predictable.

 

Vauxhall AdamVauxhall Adam - one of the cheapest cars

Featuring a stylish look and vibrant colours, the Vauxhall Adam is a vehicle which targets an audience looking for a style-focused four-wheeler. In fact, according to Vauxhall, potential buyers can choose from over 30.000 different combinations. This makes this vehicle as versatile as they come.

The Benefits
Although it might not compare with other cars around this price range, the Adam has sensibly been tuned to allow for a comfortable ride. Using its 18-inch alloys, it gives drivers a chance for quick steering and excellent front-end grip.

 

Mazda 2Mazda 2 - is not an expensive car

The Mazda 2 is a serious contender to other cars on this list and that’s because it combines practicality, engaging driving charm and sleek looks. What stands out from our list so far is the spacious and stylish interior, which gives a luxurious aspect to the car …

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How to compare car insurance

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garage

When you’re in the process of comparing car insurance, it’s important to know what and how to compare. Knowing what to compare will make it easier for you to decide and choose from hundreds of car insurance company that are available out there. Not to mention that companies are competing against each other by offering a variety of deals or offers that are often used just to attract and confuse customers. So it’s important to watch out for them!

Reviews

When you have selected a few companies to compare, make sure to check out their customer reviews. Ideally, you should look at the positive and negative reviews from customers. When you find that a company has a lot of negative reviews, then you can easily cross them off your list. You’ll also be able to determine the level of services they are providing to their customers and it’s always good to know if they will be able to meet your needs and provide you with an excellent service for your money.

Niche

Some car companies actually specialise and cater for different types or groups of drivers. For instance, some companies solely target older drivers, some in young drivers and some in families. So depending on which group you are, you can always check out which company specialises in you as they may be able to offer you a better deal compared to a generic company.

Network Garages

Some car companies are connected to garages. Their clients can send their car to some garages where they won’t have to spend a penny as their insurance provider provides this service for free. If you decided to choose this option, make sure that they have a garage near you.

Online comparison tools

Some companies enable you to compare their prices with other businesses. There are also other tools available that does the same thing. Or you can even look at some companies that have already picked the best deals available.

Car requirements

Find out what your vehicle requirements are. You may find that there are some things that you don’t need. You’ll then be able to pick the most suitable package for your requirement and budget. You may even be able to negotiate by letting them know that you don’t need some of the requirements that are included in a quote.

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How to save on car insurance

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savings

Car insurance is required for all car drivers in the UK. You never know when accidents happen and if they happen to you, at least your costs will be covered by your car insurance. However, you may find that some car insurance isn’t cheap. To help you cut down the cost of your car insurance, we’ve provided some of the tips below.

Compare

The number of vehicles is steadily increasing each year. This means that the demands for car insurance are also increasing and there are many companies to choose from at this stage. So it’s important to research and compare the prices and policies of the company that you are currently interested in. The key factor to look for is the rate, coverage, policy and price. Keep in mind that you may be able to negotiate the prices with some other companies.

Pay Upfront

Like with many deals, paying for your car insurance up front is much cheaper in the longer run. They often offer a deal if you choose to pay for the whole year. It’s the best option especially if you have the money to pay upfront. However, this may not be ideal for some people.

Type of Car

Car insurance is calculated based on the kind of car that you are driving. For instance, if you are driving a luxury car or a vintage car then you are likely to have an expensive car insurance. The reason why they tend to be expensive is due to expensive car parts and a high risk of being robbed.

Basic Coverage

Let’s face it, the possibilities of accidents are very small. You are much better off with choosing the basic coverage instead of going for a premium. The premium costs are normally based on accidents and thefts that happen throughout the year. They also make most of their profits from unclaimed insurance.

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What to Ask your Insurance Company

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Finding the right insurance for you can be a long and complicated process. As the paper pusher at a large auto repair shop, I have been on both ends while talking with insurance companies and clients. Often what you think you have in your coverage, you don’t. It is important to know your policy. Below is a compiled list of specific questions that should be asked when signing with your insurance company (or broker).  Instead of asking, what does my policy cover, ask these questions instead:

Rental Coverage

Am I covered for at-fault accidents?

At-fault accidents could mean single vehicle accidents (you hit black ice and ran off the road), deer hits,  or you hitting someone else. As well, even if you are hit but you have no proof (trust me, it happened to me) since you didn’t grab the licence plate as you are spinning uncontrollably on a major highway, they could deem it as a one-vehicle (read: at-fault) accident.  Not all insurance companies cover you if you are at-fault. Make sure you ask if you are, and how much it is to include it on your policy.

Who is covered for rental insurance under my policy?

Most insurance companies will cover a rental for anyone under your policy. So, if you have a policy with Insurance Company A, your partner or child with Insurance Company B, and your partner gets into an accident, often you cannot drive or pick up the rental under their name as you are not on their policy.My child is under the age of 21 years old. Most rental companies will not rent to youth.

If s/he gets in an accident, will my child get a vehicle?

This is one I saw over and over. People have been paying for their son/daughter’s rental coverage for 5 years and their child was not entitled to a rental vehicle due to their age. This is only really an issue if the child has their own vehicle and/or different insurance company. If you all share a vehicle, you will want to all be under the same policy to ensure that you can pick up the rental vehicle on their behalf (though they still won’t be able to drive it). Why pay something for years if you cannot use it?

Deductible Coverage

What are my two deductible rates?

You can often set two different deductible rates with your insurance company. There are two different coverage points – comprehensive and collision. Collision is a two car collision, whether you cause the accident or not, or one car collision (such as hitting a guard rail). Comprehensive covers the rest – animal hits, trees falling down in storms, theft, and vandalism. The higher your deductible, the lower your monthly premium. However, if you ever need to use your insurance policy, you will be responsible for the deductible depending on the situation. If you have a $1000 deductible in place, you will often be responsible for paying the repairs up to $1000. …

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Commercial Vs. Personal Auto Insurance

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A commercial vehicle is one that is used basically for business. The decisive word in the definition is “fundamentally,” because the same vehicle may be used for both personal and commercial purposes. It is critical to legitimately separate a personal vehicle from a commercial one for two explanations: to start with, you are required by law to carry commercial vehicle insurance for all commercial vehicles; and second, commercial vehicle insurance is considerably more unmanageable than insurance for personal vehicles.

Essential Use

In the event that you use the same vehicle to drop your children to class and run business errands, the vehicle is arranged as either a commercial or personal vehicle dependent upon its essential use. For instance, in the event that you claim a car that your business uses to every so often transport products or employees, however is principally used by parts of your household, the car is ordered as a personal vehicle. Additionally, vans used by a business to convey products to customers and transport employees are arranged as commercial vehicles.

Essential Drivers and Vehicle Type

Separated from essential use, you can recognize between a commercial vehicle and a personal vehicle dependent upon the vehicle’s sort and essential drivers. In the event that a vehicle is essential driven by you or parts of your household, a personal auto policy may be satisfactory. Notwithstanding, if the vehicle is basically driven by your employees or associates, you will require a commercial auto policy. Furthermore, a few sorts of vehicles, for example concrete blenders, refrigerated trucks, flatbed trucks, cargo vans, traveler busses and tow trucks, must dependably be covered with a commercial policy.

Risk

Personal auto policies are not satisfactory for commercial vehicles because insurers push coverage dependent upon the risk connected with the vehicle, and they consider commercial vehicles riskier than personal vehicles. While determining the measure of premium to charge a customer, insurers consider the risk that the vehicle will be included in an accident. The insurer uses the vehicle’s risk level to assign a premium measure that is similar with the risk of covering the vehicle. From the insurer’s point of view, a commercial vehicle is esteemed to carry higher risk, primarily because of how it is worked. Also, a commercial vehicle is regularly driven a larger number of miles than a personal vehicle over the same period, which quickens its wear and tear, expanding the probability that the vehicle will be included in an accident. Understandably, insuring a commercial vehicle with a personal policy might go against the “higher risk, higher premium” run the show.

Cost Factors

Because coverage for commercial vehicles is more unmanageable, you ought not buy a commercial policy for a vehicle that can legitimately be insured with a personal policy. Commercial auto insurance rates hinge on a number of variables, and you might as well think about quotes from some insurers before purchasing coverage. Most insurers take a gander at some variables incorporating the sort, condition, make and model of the vehicle; …

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