Car Insurance
Wisconsin – Factors that Affect Auto Insurance Rates
Insurance is a matter of personal choice and the insurance taker himself decides what type of insurance he wants to take for his car and from which company. Before a person takes up any type of insurance, he needs to understand that there are a number of Wisconsin factors that affect car insurance premium rates. The premiums are decided by the company by calculating many factors that generally change according to the specified population. The risk factor is analyzed before premium is decided. The insurance premium is directly proportional to the risk factor associated with a particular person.
The first factor that affects car insurance rates is your age. People under the age of 25 are more at risk unlike the elders. It has been seen that the people who are in the age group of 50-65 have the safest driving records. The higher the risk, the higher would be the insurance premium the person has to pay for his car. Not just age, the gender of the insurance taker also affects the premium rates. As women are statistically proven to be better drivers than the men, they end up getting lower auto insurance premium rates.
It has been seen that the marital status of a person also affects the rates he gets on insurance premium. A married person who has the same record as an unmarried one will pay less amount as insurance premium. Apart from the marital status, the place where the person lives also affects the rates he pays on his insurance. If the area where he lives is crowded, there are more chances of being involved in an accident or getting the vehicle stolen. In a state or city where the population is less, the accidents will be less and thus the premium will also be low.
One of the major decisive factors for car insurance rates is the driving record of the person. If you have speeding tickets and other tickets to your name in the past, expect your insurance premiums to be more. This is because there is a higher risk associated with such people and there are more chances of an accident in the future as well. If you improve your record, your insurance rate will get lower.
The insurance company also takes into account the type of car that you own. If you own a SUV, the insurance rate has to be high as more funds will be required to get it repaired if it faces some damage. A cheap car will thus have less rate of premium. If you have made any claims in the past for any accidents, the company will move safely and will charge more premium from you as there will be a higher risk of the same thing happening in the future. The rates will also be affected by your credit history. If you have had a bad credit history, the company will be at risk of not getting the premium and will thus charge a high premium from you.
Everything affects your insurance rates. What you do, your driving distance from home to work, the years of experience you have in driving and the number of miles you drive each year, will also affect the car insurance rates. Keep the Wisconsin factors that affect car insurance in mind and then take any decision.
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by Willie Horton If you’re worried about making a good impression, you’re not! Instead, you’ve divided your mind between doing what you’re doing and thinking about it. What’s worse is that your mind is already divided – an important part of it isn’t present at all. To make a good impression you have to turn up mentally as well as physically. That means that you’ve to learn how to focus on what’s real – not the liimiting beliefs that are holding you back.
Published 04Jun2011, viewed 67 times
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by Karen Chai Kar Siang Once in awhile, we do experience things not too pleasant in life. Be it a problem in your relationship, not earning enough, struggling over some obligations or problems concerning health; whatever it is, we ought to keep an open mind so that we can review the things that require improvement. Read the rest of this entry »
Road Test: Volvo V60 T3 R-Design Premium
The latest V60 is designed to offer the usual Volvo estate attributes of space and safety, but it is wrapped in sleek styling and like the S60 before it, promises a more dynamic drive.
Has Volvo succeeded? I spent a week with this f31,570 T3 R-Design Premium to find out.
The V60 looks are a surprise, as the estate styling is even better than the attractive S60 that came before it. It might be a slick design, but for Volvo fans there are enough typical styling cues, meaning it couldn’t be a car from any other manufacturer.
These include the characteristic family grille that dominates the V60′s face, but it’s much sleeker and looks attractively modern with the swept-back head and driving lamps, similar to the XC60 soft-roader.
From the side, the slim, coupe-like roof line remains. The most distinctive part of the V60′s rear styling is the big glass screen, which looks like the tailgate on its own. Then there are the stylish tail lamps that stretch up towards the roof, the sculpted boot design and bumper with rear diffuser, that’s part of the R-Design body kit.
The shape suits some colours better than others and the Passion Red paint job enhanced the V60′s curves.
Inside, the V60 is unchanged from the S60 that came before it. I still like the ‘floating’ centre console, which is tilted towards the driver and the infotainment system which is a big improvement on Volvos of old.
The quality of the plastics and metal inlays are at least as good as many rivals and the standard seats are a comfortable place to spend motorway time. Despite the sloping roof line, rear head and visibility are excellent and Volvo have even managed to find an extra 20mm for rear passengers. There’s also a practically shaped 430 litre boot, that has some useful under floor stowage.
It might be a looker, but does the V60 deliver on the road? The answer is a bit of a mixed bag; the R-Design’s 15mm lower ride height, 18-inch “Ixion” alloy wheels, stiffer springs, revised dampers and a front strut brace give sharper handling and a sportier feel, but this is at the expense of a comfortable ride.
However, there’s no doubt that this car is underpinned by a really capable chassis and has accurate steering, with taut handling.
The 150PS 1.6-litre T3 petrol might be the entry-level engine in the V60 range, but its gutsy performance seems at odds with the modest 127mph top speed and the 9.2 second 0-60mph figures.
To sum up, the V60 is a stylish, well-equipped and spacious car that majors on safety. Let’s hope its sleek styling previews a next generation of elegant estates from the Swedes.
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New GM Plant to Build 2011 Chevrolet Volt, Cruze Engines – Car News – Car and Driver
General Motors believes the future is in four-cylinder engines, and says it will invest $370 million to build a new engine plant in Flint, Michigan, to build more of them.
GM CEO Rick Wagoner says construction starts now and the plant will be ready to roll in 2010, in time to supply 1.4-liter fours for two key vehicles, the
and , with two additional 2012 GM models slated to receive it, as well.
A naturally aspirated 1.4 will be the range-extending engine in the much-hyped Volt E-REV (extended-range electric vehicle), and the 552,000 square-foot plant in Flint will be the sole North American source of the four-cylinder.
The plant will also supply the 140-hp (148 lb-ft of torque) 1.4-liter turbo for the Cruze (and the two undisclosed future products). Tom Stephens, GM executive vice president of Global Powertrain and Quality, says he expects with the new turbocharged 1.4-liter to make the Cruze the fuel-economy leader in the
. Indeed, GM is promising 40 mpg—or more—from the car.
The 1.4s are new members of GM’s global family of four-cylinders that already has displacements of 1.0 and 1.2 liters, and will play a key role in meeting the goal of doubling global four-pot production by 2011, with more than half of the increase coming from North America. GM says a third of its North American engine volume will be four-cylinders by 2011 and almost a quarter of those will be turbocharged. The new Flint plant will be flexible enough to build multiple four-cylinder engine families in the future without retooling, GM says.
Expected initial volumes at the plant are not yet known. While the Cruze is a high-volume vehicle for GM, the Volt is the real wild card, largely because no one knows how many batteries suppliers will be able to provide when it goes on sale in November 2010. The conservative estimate is 400 units in the first year, which is essentially the minimum suppliers can guarantee if they had to build the batteries by hand, at a rate of 1.5 a day. That’s the current case because no one has yet been able to commercialize their production. The high-end estimate, if battery packs can be pumped out in high numbers, is 10,000 Volts in 2011 and 60,000 a year after that. The Volt, which can run 40 miles on electricity before needing a recharge, will be built in Hamtramck/Detroit.
Article source: http://www.caranddriver.com/news/car/08q3/new_gm_plant_to_build_2011_chevrolet_volt_cruze_engines-car_news
Chevrolet Malibu – First Drive Review – Auto Reviews – Car and Driver
General Motors has been trying to build a " European car" for nearly as long as the Chicago Cubs have been trying to win another World Series, and with about as much success. European in this sense implies an exemplary degree of style, quality, performance, and technical virtuosity—think most German cars. Over the years, GM’s efforts to emulate these elusive qualities have mostly produced such excremental automobiles as the Cadillac Cimarron, to cite just the worst example. GM is trying again, touting the 2004 Chevrolet Malibu as its latest European. But this time, instead of attempting to re-create a European car, GM simply crossed the Atlantic and snatched one from the cradle at Opel, its German subsidiary.
The platform, called the Epsilon, got its baptism in the Opel Vectra and Saab 9-3. GM then spent a reported $722 million (which includes retooling at its assembly plant in Fairfax, Kansas) to adapt the Epsilon for the U.S. market, being careful not to dilute its continental character, according to Bob Lutz, GM North America chairman and product czar. "The instructions to the team were, ‘You pick up the European Epsilon platform, and you do not dumb it down for the American market.’"
Neither does Lutz want the new Malibu to be confused with the current model, which falls into the "not too bad" category and appeals mostly to municipal bureaucracies and car-rental companies. To avoid this stigma, Chevrolet plans to discourage fleet sales of the new Malibu, leaving that business to the old model, which will continue to be produced under a new name, the Chevrolet Classic, so Hertz and Avis need not despair.
The new Malibu’s European personality is apparent the first time it hits a bump. There’s a muffled "thunk" as the impediment is quickly digested by the car’s suspension—struts in front (with forged aluminum control arms) and independent multilink in the rear (with twin-tube gas shocks). It’s a pretty sophisticated setup for a car that’s expected to top out in the mid-$20,000 range, about the average transaction price of a new car these days.
"We made some minor adjustments to make the suspension a little more compliant in keeping with the reality of American roads," Lutz admits. Still, the Malibu is surprisingly firm and controlled, with much less roll, dive, and "boingyness," a technical term coined by our Steve Spence, than one expects from a high-volume GM car. It grooves right along on interstates and makes transitions predictably into understeer when pushed through switchbacks. The electric power steering—a first in this class—eliminates hydraulic hoses and other parts, slightly improves fuel efficiency, and reduces noise. Brakes for the Malibu sedan are front disc and rear drum. We would prefer the four-wheel discs with ABS that are standard on the Maxx wagon (see sidebar).
Not necessarily from Europe are the Malibu’s powertrains. The base model’s engine is GM’s familiar 2.2-liter Ecotec DOHC four-banger. Its 145 horsepower and 155 pound-feet of torque won’t smoke the tires, but the cash constrained will appreciate its estimated EPA fuel economy of 24 mpg city and 34 mpg highway. The standard engine for LS and LT models is GM’s new 3500 V-6. Well, not quite new. It’s based on GM’s venerable all-American 3400 pushrod motor, but, we are told, there’s hardly a part in it that hasn’t been redesigned.
This engine will see wider use in GM’s lineup under a new strategy that slots its powertrains into three categories: "image"—one percent of the total, which will include exotics such as the future Cadillac 7.5-liter V-12; "high feature"—about 20 to 30 percent, which will be advanced-tech performance motors such as the forthcoming 255-hp, 3.6-liter DOHC V-6 with variable valve timing; and "high value"—70 to 80 percent, which are lower-cost engines with "appropriate technology" such as the Malibu’s V-6, which, despite the absence of multiple valves and camshafts, cranks out a respectable 200 horsepower (30 more than the previous Malibu) and 220 pound-feet of torque while delivering decent mileage (22 mpg city and 30 mpg highway).
Another American element is the Malibu’s styling, which can be described as "uninspired" or "clean and simple." Either way, it’s not a head turner, as Lutz grudgingly concedes: "I think I might go for a slightly more adventurous design, although adventurous design isn’t exactly what’s done in this category."
More in the European vein is the Malibu’s interior, which is also simply styled but in a coherent, elegant way. The instruments and controls are where they should be, and the use of faux wood and bright metal accents is refreshingly minimal. The seats, which come from a French supplier, are wide, well formed, and comfortable, and the general interior ambiance is that of a larger, more upscale car.
And that’s the impression GM hopes will help convince 200,000 to 300,000 buyers a year to choose a Malibu over a Toyota Camry or Honda Accord. A tall order, but GM further hopes that the Malibu, among future models, will restore GM’s passenger-car business, which has slipped from 876,432 Chevy units in 1998 to 746,595 in 2002. And GM also hopes the Malibu will help rebuild its reputation for quality cars. Wishful thinking, maybe, but Bob Lutz doesn’t think so. "The importance of this car is the demonstration that General Motors will do world-class automobiles," he says confidently.
Article source: http://www.caranddriver.com/reviews/car/03q4/chevrolet_malibu-first_drive_review
2008 Scion xB RS 5.0 – Auto Shows – Car and Driver
With its all-new and for ’08 and the refreshed last year, Scion has little new to display at this year’s
other than its latest Release Series xB, the fifth xB in Scion’s line of "RS" facto-mods and the first to be fashioned on the larger, second-generation version of its now-iconic box.
Rendered in an eye-searing Gold Rush Mica metallic paint, the xB also features a skirt of Kenstyle body add-ons, a rear spoiler, and unique wheel covers. If you think your retinas will get a rest inside, think again: There’s much more gold to behold on the dash, as well as within the "color tuned" seat fabric. Individually numbered badging completes the package.

Nice enough exercise in styling, we think, but given the proclivity of Scion xB buyers—especially those inclined to drive a screaming yellow car—toward custom wheels, granite-splitting stereos, and the like, we imagine most RS 5.0s won’t stay that way for long.
Only 2,500 will be available, starting in February, with a base price of $16,270.
Article source: http://www.caranddriver.com/news/car/08q1/2008_scion_xb_rs_5.0-auto_shows