super cars: February 2014

Why People Like Sports Cars

Individuals often ask themselves why people like sports cars. Some say that it is the macho image, some say that it is a striving to revisit the owner's youth, some see them as sex symbols and pulling magnets and perhaps all those are valid, but one thing is for certain, sports cars stand out in an age when you have to be an expert on cars to be able to tell the difference between the different models without looking at the badge.

Contemporary family cars all look the same; all SUV's look the same, all pick ups look the same, because they are all designed by computer and computers can only come to one 'best' conclusion. Enquire of a computer which is the most aerodynamic shape and it is not going to give you fifty alternatives, is it? As a result, all family cars look the same.

But sports cars are all different. Manufacturers of sports cars want their cars to stand out for their beauty and style among other items. That is not to say that sports car manufacturers do not use computers, but they can allow themselves more leeway in the design aspect because the engine is going to be stronger and the materials are going to be dearer (that means lighter) and fuel economy is not the name of the game - beauty and style are.

If you doubt what I am saying, look at real racing cars like those in Formula One - they all look the same as well, because a computer was asked: what is the most aerodynamic and fuel economic shape? Beauty and style are beside the point in Formula One.

Another reason why Individuals like sports cars is because they are faster than regular cars, although most countries have restrictions on how fast you can drive on their roads. However, the fast acceleration that a performance car like a sports car has, is still useful for overtaking and getting out of difficulty. If used properly, acceleration is a helpful safety feature.

Some people also like to show off their wealth by purchasing an ostentatious car, because everybody knows that a Maserati, a Lamborghini or a Ferrari is very expensive. The appearance of these cars is important to their owners, because not only are they ostentatious, but they are also beautiful, sleek and stylish and the owner hopes that some of that identity will rub off on him or her.

Different sports cars also have different driving characteristics. Whilst this is a fact of all marques of cars, it does not matter so much if steering is a touch light on a family car travelling at 40 mph, but it does on a sports car travelling at 80 mph.

The car has to be just correct for the driver's ability and preferences. The car will not be manufactured to suit the driver, so drivers of sports cars usually have their favourites the choice of which is affected by its handling characteristics.

A last reason why people like sports cars is because they often hold their value well and can even increase in value if it is a particularly good or desirable model.

A Look at Some of the Greatest Sports Cars

Sports car are the desire of every car enthusiast. While these luxury automobiles are the pride of every owner, they also make for the topic of neighbor's envy. Take a glance at the sports car market and you will find that there are more cars than you can even believe. However, there are a few that just take the bar higher.

The Lamborghini Diablo is 1 of the extremely notable names in the sports car industry. Nevertheless, it is possibly the look of this car that garners the most attention. The car is a jet-setting automobile with upward opening doors plus a seemly body certain to overshadow even the driver- however dynamic their character might be. Its sole disadvantage is its speed of 60mph in 4.1 seconds, that is slightly lower than it is counterparts. However, the Diablo certainly brings out the devil within most folks, with its raw appeal.

The Porsche 911 is another great sports car pick. This baby doesn't disappoint in any sphere, be it design, performance or quality. This is the very best choose in case you're searching for a car to do some speed racing with. This automobile offers you a speed of 60 MPH in a mere 4 seconds.

Class and style...these two words best describe the Mercedes Benz SLR McLaren. This one scores not just on the appearance but on the performance too. In fact, the Mercedes Benz SLR McLaren has been coined as the quickest car with automated transmission in the entire world. In terms of looks too, this sports car does not disappoint. It has a striking design that's bound to leave eyeballs wanting for more.

Nissan Skyline also deserves a unique say when talking about top sports automobiles. 1 of the hottest SUVs of all time, the Skyline offers many merits. It comes with an incredibly lower suspension and may reach speed of sixty MPH within four seconds. Nevertheless, the only downside to this car is its looks. It has a slightly tamed look as compared with its other counterparts. However, it is performance more than makes up for its inadequacies in the appearance department.

Last but not the least; Aston Martin DB4 GT Zagato is another big name in the world of sports cars. It is in fact 1 of the oldest sports car which is still going tough till date. This 1 tops the list when it comes to fashion and vintage. The classic appeal of this car is unequalled and may absolutely catch the fancy of 1 and all. Despite being an old sports car, this 1 may give the new models a run for money in every department.

In case you get a chance to drive one of the given sports cars, rest assured that you will be on cloud 9 with the vrooming experience.

NJ Auto Insurance Companies

A car owner looking for NJ auto insurance companies can easily get a list just by browsing through the Internet. No need to waste time and effort by personally going to each offices; anyone can just research on the Internet and get the desired list of NJ auto insurance companies.

Residents of New Jersey who are planning to renew their policies or get an entirely new car insurance policy should first get a list of NJ auto insurance companies before deciding on what company to get their car insurance from. Such list can be requested from the various online companies offering a list of NJ auto insurance companies and can be received in a matter of minutes.

Car insurance is a must for car owners and this should be the very first thing that should warrant their consideration. NJ auto insurance companies offer different insurance package that responds to the diversified needs of every car owner. It is important to know the different NJ auto insurance companies to enable a car owner to make an intelligent decision on his car insurance.

The first consideration one should look into when considering NJ auto insurance companies is the type of insurance coverage that is required by the car owner. Another important consideration that should be looked into when considering NJ auto insurance companies is of course the cost of the insurance policy.

While car insurance is a necessity a person should not just get insurance from the first NJ auto insurance companies that offer him a package. It is important to take note of the coverage of the insurance policy and match it to the needs of the owner.

It is also recommended that the car owner do some research on the type of insurance company he will be getting his car insurance from. He should talk to former or present clients of the car insurance company who can give him feedback as to how the company processes the various car insurance claims that are filed in their office.

The best thing about NJ auto insurance companies is that the car owner has an option to cancel the insurance policy within a pre-agreed period. He will then be entitled to a refund of a portion of the car insurance policy which he has already paid and which has been cancelled.

While NJ auto insurance companies offer a lot of benefits and insurance package, all insurance carry the basic coverage for any personal injury that may be suffered by the insured or the car passenger in case of an accident. There is a provision in which the insurance company agrees to pay for the medical and other bills of the injured passenger no matter whose fault the accident is.

There is also another type of insurance that pays for damages if the insured is at fault for the accident. This can be very helpful in case the driver is sued by the injured victim.

NJ auto insurance companies carry within their policy coverage for both physical injuries as well as damage to property. Such insurance policy may cost more but when a person is faced with a lot of people injured and property damaged as a result of an accident in which he is at fault then he will think that the money he paid for the car insurance policy is meager compared to what he has to pay if he was not covered.

It is understandable that every car owner would favor getting car insurance policies that are cheaper. However, do not be fooled by cheap car insurance offers because they may cost you more in the future.

The proper thing to do is to weigh all factors that should be considered when choosing an auto insurance agency. Price is of course an important consideration but a car owner should look more into the benefits and the coverage he can get from the insurance policy.

A car owner who is ready to face the task of getting the appropriate insurance coverage for his car should not hesitate to request for a list of NJ auto insurance companies and narrow down his choices from these list. Only then can he assure himself he has made the right choice.

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Auto Insurance in United Kingdom

It is compulsory in the United Kingdom to have auto insurance if you want to drive a car. If you are liable for the consequences of an accident the UK auto insurance will pay for damage or loss and compensation due to other person. Though auto insurance costs rises, it still rather competetive market and you can save money on your auto insurance premium in different ways.The minimum legal amount of auto insurance required for driving a car in the UK is Third Party Only (TPO).Though many auto insurance companies no longer offer this type of cover. There are many factors that can decrease or increase your auto insurance premiums and some UK auto insurance providers are cheaper in different ways.

For example, some auto insurance providers insure only women drivers because accordingly to statistics they are less to make claims, some will insure only if you have over 40% No Claims Discount, some specialise in convicted drivers and young drivers. Minimizing a risk to the UK auto insurance provider is another factor to consider when you apply for car insurance.

Auto insurance providers take into consideration all risks, such as the type of car, the type of driver, the amount of vehicles stolen from an area,their driving history in order to calculate the "risk". Often mileage is considered by auto insurance providers when they calculate the costs of your insurance premium.

If you keep your car off the road at night you'll reduce the risk of making a claim for violence or vandalism, theft and so on. Of course, there are many other factors which you can't change so easy and they affect your auto insurance premiums [http://www.auto-insurance-uk.info]. Among them there are age, sex, postcode, and even your profession. All of them can influence the cost of your auto insurance. Most of the companies are much like bookmakers. The car insurance company basically takes a gamble based on carefully analysed statistics. Read more about auto insurance in UK here

Indulge Yourself With A Sports Car Rental

Have you ever driven an exotic sports car? Have you ever had the experience of cruising down the road in a foreign sports car, feeling the raw power through the steering wheel, and knowing that you are the envy of everyone who sees you drive by?

It is a great feeling, and it is a feeling that you can have, if you want to. There are hundreds of places across the US that will rent a sports car to you by the day or even by the week. Yes, it will cost a bit more than the typical Ford Taurus or Chevy Cavalier to rent, but for the unforgettable experience of driving such a fine piece of powerful machinery, it will be worth it, if for no other reason that bragging rights to your friends as well as the wondering eyes of your neighbors when they see that beauty parked in your driveway.

What are your options? If you do a bit of searching, you will likely find a business that does sports car rentals pretty close to almost any major city. Finding a Corvette or a Mustang Mach 1 is probably very simple. Even a Cadillac, Range Rover, Hummer H3 or Mercedes Benz would not be too difficult to find. But if you're going to do this, then do it right. If your tastes are a bit sportier or you want to show off with European sports car flair, you can do that too. For example, you could rent a Ferrari 348 Spider, Ferrari 355/360 (6-speed & F-1 paddle shift), Porsche Boxster, Viper GTS, Prowler, Alfa Romeo, a Jaguar XK, a BMW, the Aston Martin Vantage, or even a Lamborghini Gallardo or Rolls Royce.

Just imagine what it would be like to be driving one of those for a few days or even a week. The local streets around your home town would be a totally new experience for you. Think about using that sports car rental to take that new client to lunch one day. Even better, think about picking up your significant other in this beauty to celebrate a special occasion. Hint for you guys: maybe it's a birthday or an anniversary, but if you make that special occasion the anniversary date of the first time you ever went out with her, the combination of that exotic sports car plus the fact that you actually remembered that date will win you countless brownie points.

Since this is pretty much a "premium" sports car rental, you can expect premium service to accompany those premium prices. Most places will deliver the car to you at the airport or at your hotel. Be sure to make your reservation ahead of time to ensure that the car you want is going to be available when you want it.

No, it's not cheap, but the thrill and the experience will indeed be memorable. Life is short, you work hard, so take the time occasionally to indulge yourself and treat yourself to a taste of how the other half lives.

Secrets to Getting the Cheapest Auto Insurance?

Auto insurance is designed to help protect you in situations that involve your vehicle. Which is one of the reasons that auto coverage follows the car, Auto insurance is a necessity and requirement in all states? Auto insurance is a complete must for all the drivers. Auto insurance provides third party coverage and has emerged as a legal requirement.

Auto insurance is a very simple thing that may cause much confusion for many people. The lack of knowledge, when shopping for general auto insurance, is the problem that most people have. Auto insurance is one of the most used types of personal insurance. Most states require that you purchase some kind of insurance coverage to drive legally in the state. Auto insurance is a "necessary evil" which is necessary for all automobile owners. But it is not enough to have an insured vehicle; the main thing is to have an insured vehicle with best auto insurance.

Auto insurance is certainly one expense that you have to budget for where doing a little research and making some calls can pay huge dividends in both the short and long term. With little time invested, you can potentially save hundreds a year and tens of thousands over your lifetime. Auto insurance is mandatory for drivers in all 50 U.S. However, most drivers rarely, if ever, look at their auto insurance coverages to see exactly how they are protected financially in the case of an auto accident, natural disaster, or vandalism.

Auto insurance is meant to make you whole in the case of an accident with injury or property damage. It is to protect your assets and protect you from liability. Auto insurance is mandatory for all new vehicles, be it for commercial or personal use. Insurance Companies are coming out with comprehensive policies for its customers. Auto insurance is a mandatory thing, but like wearing a seat belt, it is fundamentally good idea. This is why so many people are reluctant to purchase only the bare minimum required by law in their states.

Drivers are classified based on a number of different characteristics including, but not limited to, age and gender, marital status, where the vehicle is garaged, driving record, make and model of vehicle, prior insurance coverage and annual miles driven. History has shown that drivers with certain characteristics, such as a poor driving record, have a greater chance of being involved in an accident, and the drivers in those classifications must pay higher rates. Drivers do not realize how expensive it is to have and operate a vehicle. This "privilege" is heavily subsidized. Drivers who are similar in other respects: age, gender, location, driving safety record, pay nearly the same premiums if they drive five thousand or fifty thousand miles a year. Just as an all-you-can-eat restaurant encourages more eating, all-can-drive insurance pricing encourages more driving.

Coverages include the type of losses for which the company agrees to pay. Each kind of coverage you buy will have its own section in the policy that details the situations it covers, persons insured under it, definitions of various words used, exclusions that apply to the section, and the limits of the company's protection in that section. Coverage provided by group and non-group policies generally is similar. Remember, however, that different companies offer different coverage options in their policies.

Companies having insurance for auto mobiles are accorded a rating depending on a combination of factors such as total experience, claims handling, policy opportunities, pricing and financial strength. Companies frequently adjust rates such that no one company stays in the low cost leader slot very long. Unless you get new quotes every year, you never know that you might be able to get better rates from a different auto insurance company. Companies offer discounts to policyholders who have not had any accidents or moving violations for a number of years. You may also get a discount if you take a defensive driving course. Companies renew policies after expiry. A discount on premium is sometimes provided to existing clients.

Car insurance rates for a 16 yr old can gradually decrease as the teenager learns how to show their level of responsibility more effectively. The less risk that driver shows, the lower their rates will be. Car insurance is one such item because they were very easy to possess but today they create difficulty for our pockets. People think a large number of times before going for any particular insurance plan. Cars that have more expensive parts, or are sportier are equipped with higher insurance rates. Buying a less expensive car will cut down on your insurance and liability coverage costs.

Carefully study coverage extent, the length of time it takes to process claims and extras such as free towing or road assistance. Customer support is also extremely important you want an auto insurance company that can give you maximum support whether online or over the phone. Cars with larger engines typically waste even more gas while idling than cars with smaller engines, according to Consumer Reports, as a rule of thumb, turn off your engine if you will be idling for more than 30 seconds.

Car accidents happen more frequently than you think, and car repair costs are higher than ever. And, in our increasingly litigious society, the chances that you will also be sued by another driver in the accident are very high. Cars are given a rating from 1 to 27, and the higher the number, the higher your premium.

Plan your next car purchase as a negotiation between what you really want and how it will affect your insurance premiums. Determine how much extra you are willing to pay in insurance for a car and use that figure to help you determine what your price range is. Plan ahead and potentially saves lots of money.

Persons sharing characteristics with high claims groups will be charged more for insurance coverage. Personally Identifiable Information might include your name, age, mailing address, telephone number, mobile phone number, email address, and other identification and contact information.

Comprehensive insurance policies have deductibles - the amount of money you have to pay out before your insurance company starts picking up the bill, the higher your deductible, the cheaper your monthly premiums. Comprehensive auto insurance will also protect you from any public liability claim made as a consequence of the accident. As well as accidents, your vehicle can also be covered from damage caused by from fire, theft, vandalism, adverse weather and other scenarios. Comprehensive insurance can assist you financially in this but only up to the Kelley Blue Book value of the car. If repair costs exceed this value, the car insurance company will declare it totaled and award you the full cash value of your car.

Additional coverage is recommended if you have a larger net worth. Additionally, life insurance can help pay for funeral costs and therefore ensure that your death will not be a financial burden for your family.

Liability insurance covers the damages caused by your vehicle, whether bodily injury or property damage. The amount of coverage varies by policy and by the kind of damages covered. Liability coverage pays for damage that you're responsible for and have caused to other people or their property.

State-run insurance guaranty associations, which are supposed to pay claims for insolvent insurance companies, exist in each state. However, while these associations are an important safety net for insurance consumers, they are by no means perfect. State regulators must explicitly approve the type of insurance policies that insurers offer, and in many states current regulations would not even allow pay by the mile policies.

Accordingly, buy a little more than the minimum required, to give you extra cushion of protection. What price are you willing to pay for piece of mind? According to industry professionals, teen drivers add anywhere from 50 percent to 500 percent to a premium. However, many insurance companies will discount the rate when a child is away at school. According to the Insurance Information Institute, increasing your deductible from $250 to $500 can save you up to 20 percent on comprehensive and collision coverage.

Thank you for taking your time to read this article. Information shared here does not constitute financial, legal, or other professional advice. This article is intended to provide general information only and does not give advice which relates to your individual circumstances.

Pictures of Sports Cars: See Yourself in the Driver's Seat and the Car Becomes Yours

They say a picture is worth a thousand words. So imagine this...

A beautifully framed picture of a sports car: you're in the passenger seat, enjoying the ride.

No. That's too limited. Let's go for broke. Visualize yourself as the driver in this sports car picture. You are definitely behind the wheels, confidently cruising down the highway. Can you see it? Do you have in your mind's eye an exotic sports car picture? Moreover, to be even more specific, make it the picture of a fast sports car speeding down the highway.

And while you're having this vision, why not extend your imagination a little further. Close your eyes. There you are. You can see the sports car picture. So you're looking at the picture of a Ferrari. Let's say Ferrari F430 Spider. No?

Well, what sports car picture do you want to visualize yourself driving? What photo do you want to put in this picture of the sports car?

Lamborghini picture? Not to your taste? How about the Jaguar XK8 Convertible? Or why not a picture of the Chevrolet Corvette Convertible? Perhaps you'd like something more classic, like the Austin or the Lotus.

But for the moment, let's just settle and agree on the picture of the Ferrari. You can change your mind later, at any time you want. After all, this is your visualization. Put any picture of fast sports car you want in your dream.

Now, moving on to selecting the color in the picture of the sports car. We'll make it red. Of course, with your imagination you can make it any color you want--perhaps your favorite color.

So there's your complete visualization picture: You, behind the wheels of your own luxury sports car, breezing along a long stretch of almost deserted highway. Ah, what a beauty this car is. The driving pleasure. The power. The freedom. And oh, what a great feeling--the contentment as the cool wind kisses your face while you lose yourself in this experience of driving the sports car of your dreams.

But wait. Look who just pulled up alongside you. Me. You didn't know I was sharing this vision with you, did you? And I'm driving my new, red Ferrari F430 Spider.

In my sports car picture fantasy, my car was in my favorite color--purple, but it wasn't immediately available in that color (and it would be too much of a long wait) so I accepted the red, my second choice.

Oh, and I see you decided on a different car and color for yourself. No problem. It is, after all, your visualization. And you do look good behind the wheels of your yellow Ford Mustang GT Convertible. Wow, when you dream, you really do dream big. But then, that's as it should be. You do deserve it. And it sure suits you--you and your Ford Mustang GT.

This is one magnificent sport car picture, isn't it?

How Thrilling Are Sports Cars?

There is definitely something about sports cars when it comes to beauty. And not just external features only. There is more to the actual physical characteristics, like sleekness of the vehicle, that determine its incredible beauty.

Sports cars have an attitude. They are not like mere vehicles - they captivate the eyes of individuals who see them. They suggest that thrill and fun can be expected when your hands are controlling the steering wheel.

Sports vehicles are superior to all other cars, primarily because the designs indicate what they are capable of doing. It's not possible to match their incredible power. Their power derives from their high performance engines as well as other specific features that other types of cars do not have.

Ordinary cars tend to be monotonous and boring, while sports cars try to supply the driver with a feeling of excitement for speed and control. Only these high performance beauties can provide that need for drivers who seek high adventure.

Sports vehicles put the excitement back in driving. They express what other cars can't. These beauties are not designed just for practicality, but for enjoyment too. Drivers possess the need to express their wild side. These high performance cars make virtually any road a venue to satisfy those needs. Only these cars can match the adventurous side that drivers have. They flawlessly compliment the child in every driver..

Drivers take pleasure in the enhancements that have been made to sports cars. You could say that technology has boundless possibilities. The stereotypes of these cars have long been put to rest. Those limits have been crossed. The single thing that car enthusiasts can do is to watch as these improvements unfold before their very eyes. The mercedes benz for instance or the corvette, these cars are always improving or being enhanced.

Purchasing a brand new sports car can be a frightening experience because of the large amount of cash involved. Here are 5 helpful tips in going about buying a sports car.

There is a big difference in purchasing, say a corvette or maybe a aston martin verses a sedan. There is also a big difference in a brand new model and an older one. A buyer must thoroughly assess his requirements several times prior to buying a brand new model. This is especially true if the budget is rather tight. Nevertheless even if one can generously afford a brand new model, he must keep in mind that money that is put in the wrong car is squandered money.

A buyer might also consider waiting for a little while if he or she is considering a particular model which is new but may be on the verge of being taken off of what is known as the Brand New list. This move may save him a bundle while acquiring the same vehicle that he could have purchased a couple of months back. This is a successful method if he intends to keep the car for a number of years.

A buyer should generate a checklist of what he desires in a sports car. He or she should then compare the top scorers in his list. Factors such as size, comfort, engine performance and other particulars may be the deciding factor for the purchase.

Understand that the sticker price is the highest price that the market can bear. Negotiating, if done effectively, can bring the price down.

You must carefully consider your financing before buying. Lenders may be the best financing option, but the approval procedure can take awhile. Set extra money aside also for expenses such as taxes and documents processing.

With all of these things said, and with the incredible beauty that sports cars hold, only a person who does not appreciate their beauty and/or speed will not opt to acquire one.

Cheap Car Insurance For Sports Cars

It can sometimes be easy to get confused or unsure when you are shopping around for car insurance. There are so many companies, price differences for different motor vehicles, and multiple options for policies, that it can all be a bit overwhelming. If you are in the process of finding cheap sports car insurance, things can be even more confusing. As you are comparing different insurance policies, you might notice that the price a sedan owner has to pay for their insurance is a lot different than what you are being asked to pay for your sports car insurance. What is the difference and why does sports car insurance seem to cost more?

Different Types of Cars

It's pretty obvious, even to people who aren't automobile enthusiasts, that sedans and fast cars are very different. Even a quick look at each type of vehicle makes it very evident that you are dealing with two radically different types of cars. Each is designed for a different driving need. You might get the family to pile into the saloon car for an afternoon of shopping and other errands or for driving to and from work. You might do these kinds of things in your sporty car, too, but you will probably be going much faster in the sports car than you would be in the sedan.

There is a big difference in the way saloon cars are built in comparison to how performance cars are built. These motor vehicles are built for speed. They are constructed of lighter materials and typically have fewer safety features than the typical sedan. Your approach to a sports car is very different as well. When you get into a sports car there is a psychological response - a certain mindset - that is very different than you get when you climb in behind the wheel of a saloon car. You are just more likely to drive faster and take more chances in a sports car than you are in a family sedan. Insurance companies are well aware of this psychological change and they adjust their insurance prices accordingly.

Targets for Theft

You love your car, but you have to realize that car thieves covet it as well. Statistics show that these cars are more likely to be stolen than a standard saloon car. If a car thief has a choice among many different cars, he is most likely to swipe the faster, sportier car than any of the everyday saloons that may be parked nearby. Car insurance companies know that car thieves are more likely to take a sports car, so this is another consideration on their part when it comes to pricing insurance.

The Price of Parts

Your car has some pretty expensive parts that make up the whole machine. When the time comes to replace a part you might even have to make a special order. The cost of replacement parts is higher with your sports car, which is yet another reason that insurance rates are going to be escalated.

You will have to work harder and look around more to find cheap insurance. You drive your sports car faster than the family sedan. Thieves have their eyes on these cars and custom parts can be very expensive. These three factors add up to a sum that makes it a little harder to find cheap car insurance for a sports car.

Auto Insurance Does Not Mean The Same Things To People In The Financial Profession

It is amazing how much literature has been written about the car insurance business online. The main approach in use by the bulk of the writings is in the direction of selling car insurance, rather than offer it in the proper context of insurance product or 'a product to protect your assets and wealth.' That is why when searching for the phrase 'auto insurance' a large number of websites emerge with the 'selling' phrases like affordable auto insurance, or cheap auto insurance or low cost auto insurance.

In the early part of 2011 and according to Google AdWords there were 8,100; 74,000; 9,900 monthly searches for the above key phrases, respectively. On the other hand, there were only 110 searches for the phrase 'reliable auto insurance', 170 searches for 'quality auto insurance', and 8,100 for 'top auto insurance companies.' It is rather easy to conclude that most of the searches on line are about price, not quality of insurance.

A basic principle in marketing is to understand what people 'want' and design and package your product or service to meet what the folks want. Looking at those numbers we can tell that most people want cheap auto insurance. As a marketer, if you design any campaign without considering that analysis you may eventually flunk the marketing tests, close your website and go do something else.

So what's the difference between auto insurance polices? From a 'financial planning viewpoint' car insurance comparison should never be based on price only, and perhaps most people agree that cheap insurance is not necessarily the best car insurance. But what most people do not know is that an insurance policy with the best rated company may also be one of the most problematic contract. An auto insurance policy should be compared in reference with three factors:

1. Price: of course the cheaper the better.

2. Company Rating: Non standard companies are more flexible than their standard or preferred counterparts with regard to past violations found on the MVR activities of the drivers and the credit score of the car insurance applicants. However, non standard companies are harsher than others in customer service and paying claims. Most of complains come from non standard insurance companies. While preferred companies do not hesitate to quickly pay for smaller claims suck as seven or eight thousand dollars claim, or even little more; all companies from top to bottom will try to examine the application to see if they have to or do not have to pay a $100,000 claim.

3. Liability Limits. This is the most ignored, least understood, but is the most important aspect of the policy which affect customers during time they need the insurance. It measures how much protection you have in the event you get sued. A professional financial advisor will never ever sell you an auto insurance policy at low limits if he/she has enough information that you and your spouse have enough wealth to be sued for in the event that you or a family household member cause a major auto accident and your car insurance pays the maximum on the policy which turns out not to be enough.

There are many insurance policies sold with superior insurance companies at the lowest liability limits mandated by the state. In the State of Illinois these limits are 20/40/15, which means that in the event you cause an accident that is your fault and you get sued by others, then your company will pay to others on your behalf no more than $20,000 for bodily injury for one person, no more than $40,000 for bodily injury for all other people in the accident, and a maximum of $15,000 for any and all property damage you case in that accident. If you are a business owner and you cause a major accident resulting in a unbeaten lawsuit of $300,000 and your insurance company maxed the payment on the policy and paid $20,000, the difference of $280,000 will have to come from your own money!

Financial Planners and Auto Insurance Marketers Are Not in Harmony

Financial planners are not in harmony with insurance marketers about the weight that needs to be placed on limits of liability in auto insurance. Marketers like to stress the aspects of price and company rating, while financial planners like to stress the importance of liability limits first, then company rating second, and perhaps price at a later stage.

Although financial planners and auto insurance marketers have the common goals of maximizing their earnings while providing their services, the scope of their operations is different. Auto insurance marketers make their money by selling as many polices as they can have. The marketer does his best to make as many sales as possible, hence making small amount of money on too many policies sold. Financial planners work differently as they try to make big money from each of the few number of customers they have. Selling an auto policy is not the primary concern of a financial planner, but for him or her auto insurance is one of the fundamental subjects of the financial planning process.

Car insurance agents look at auto insurance as a way to protect the car itself in the event of theft, fire or another loss, besides the fact that it's the law. Financial planners look at auto insurance as an integral part of their clients risk management process. To the financial planner an auto policy is not to repair the car in the event of loss, but is mainly about protecting the assets and wealth of the insured, especially against potential lawsuits.

Some auto insurance marketers would even suggest to cut down on liability insurance as a way to save money. No sound financial planner will ever make such a suggestion. No way!

When does height matter?

How high your liability limits should be is the main issue that should prevail when you buy car insurance. You probably need only the minimum liability limits mandated by the states if /when(1) you shopped for higher limits and could not afford it, (2) your current assets or wealth is not big enough to expose you to further lawsuits in the event of at fault auto accident. (3) you are a high risk driver where no one else wants to insure you except at the minimum limits. But, if you have certain amounts of assets and wealth, or is expected to have sizable assets or wealth, then you need to worry about the height of your liability limits.

What about if you are not wealthy with plenty of assets? Even for people with little or no wealth, the height of liability limits should be much of a concern to them. This is due to the fact that liability insurance contains certain coverages to pay for your bodily injuries in the event that you get hit by a vehicle that is legally uninsured, or is insured but the insurance on that vehicle was not enough to cover your bodily injuries. According to the Insurance Research Council, approximately 15% to 17% all drivers in the United States are uninsured. Coverages for Uninsured Motorist (UM) and Underinsured Motorist (UIM) vary from states to states with regard to their mandatory status and limit amounts. In Illinois UM is mandatory at the limits of $20,000 for bodily injury per person and $40,000 for bodily injury per accident. Underinsured motorists coverage is not mandatory in Illinois but insurance companies must offer it to clients for policies issued with liability over the state limits. Clients can still reject to have higher uninsured/ underinsured motorists but it must be in writing. As you can see, your liability only policy provides coverage for your bodily injuries, and making sure that you have high limits on both liability, UM and UIM can have tremendous effect on your life.

Exotic Sports Car Insurance

Although all sports cars are exotic, many consider cars such as Jaguars and Ferraris to be truly exotic. They are considerably expensive and the insurance too can be very high compared to other cars.

Exotic sports cars will have to be insured to a higher amount because of their higher value in the market and different usage options. A few factors such as make of the car and certain elemental natural forces that might prove to be a risk to the car are considered before an insurance agent provides a quote.

An exotic sports car naturally has a higher cost of insurance policy compared to a standard vehicle. Sports cars are usually for pleasure driving and are normally driven faster and are more prone to more dangerous and harmful accidents than others. Also, they are highly priced in the market than the other utility vehicles.

Some companies take insurance for a sports car as a specialized field in insurance. Such companies tend to deal with the insurance of sports cars and exotic cars and are liable to provide lesser insurance policies than the other insurance agents who deal with insurance policies for all vehicles. The companies that deal uniquely with exotic sports car insurance have brokers specialized in this field. They would are able to guide the customer in all the areas pertaining to the cars that needs to be considered for insurance.

These specialized companies take into account the age of the driver, the driver's driving records, and accident history before offering a quotation. Some insurance agents also consider the annual mileage coverage during the negotiations.

How to Buy Auto Insurance on the Internet

Are auto insurance agents a dying breed? Today, auto insurance is one of those service businesses that are becoming more and more dominated by online providers.

In fact, there's some question whether auto insurance agents are needed at all anymore. Do you really want to spend your Saturday morning visiting an auto insurance office being pitched on a single car insurance company's policy when you can buy auto insurance online any time - weekends, evenings, etc. Not only that, but buying auto insurance online enables you to compare the offerings of several companies side-by-side in terms of policies and premiums. What's more, you can buy the policy online (in most states), and even file claims online.

One might well point out, of course, that many people simply prefer meeting and talking face-to-face with an insurance agent, rather than simply pounding a computer keyboard. For one thing, they may feel more secure about transferring money (premium payments) in person than on the Internet. For another, they may prefer having a knowledgeable individual they can communicate with and ask questions of.

But the number of such people as a proportion of the adult population is clearly dwindling. According to market research firm ComScore, 67.5% of 2,000 U.S. consumers surveyed last year said they would consider purchasing their next auto insurance policy online. Auto insurance purchasing online has been growing at an amazing 55%+ rate over the past couple years.

Therefore, whether you're looking for a replacement policy or for your first policy, online auto insurance offers a number of benefits: cost-savings, convenience, speed, and better information about available policies from a range of insurance providers.

Nonetheless, before you sign up for a policy, whether in-person or online, make certain you're familiar with the basics of auto insurance.

Basics of Online Auto Insurance

If you drive a car in the U.S. you need insurance. That's an obvious fact. But what kind of insurance and at what price?

Liability insurance. As you may know, there are two basic types of liability insurance, namely bodily injury and property damage. If you buy a 25/30/25 coverage that means the insurer pays up to $25,000 for bodily injury per person, $30,000 for bodily injury per accident, and $25,000 for property damage per accident. So this would be a relatively low amount of coverage, and you must assess your own situation in deciding what level of coverage is best for you. All states, except New Hampshire and Wisconsin, require that you carry liability insurance.

Collision. This category of auto insurance covers your property damage and medical expenses in an accident in which you are at fault.

Comprehensive. This type provides coverage for loss from accidents other than collision, or from theft, for example property damage sustained from flood, fire, or vandalism.

Uninsured/underinsured motorist. Pays you if the other driver in an accident does not have insurance or does not have enough insurance. (It's not required in all states.)

Personal injury protection. Pays your unrecovered medical expenses as well as lost wages resulting from an accident. PIP may also include a death benefit. (About 16 states now require PIP coverage.)

A source of confusion are so-called "no-fault" auto insurance program. In a no-fault system, all drivers pay their own accident costs, no matter who is to blame. It was for a long time thought that this system would reduce litigation thereby holding down costs. It didn't happen. In fact it usually resulted in higher accident rates, higher costs, and higher insurance premiums. As a result, most states that had enacted no-fault laws repealed them (DC, NV, PA, NJ, GA, CT, CO, FL). leaving only Michigan, Kansas, Hawaii, Massachusetts, Minnesota, New York North Dakota, and Utah. However a couple states - New Jersey and Pennsylvania - adopted "choice no-fault", allowing drivers to choose between no-fault and a traditional policy. (Results, in terms of premium levels, have been mixed so far.)

Keeping Your Premiums Down

To the average consumer, insurance firms may seem to have some strange ideas about what factors to consider in setting your insurance rates. For example, I once found my rates increased after another driver hit my car, and when I called the company, and explained that the accident had not been my fault, the customer service rep answered, "Yes, but you were in the wrong place at the wrong time."

That is, it's all a numbers game, and there's no real effort to achieve equity in setting rates. So to win the game you have to provide the company with numbers that will result in reasonable premiums. Some of these you have some control over and some you don't. Among the factors that will be taken into account are: age/gender (single males under 25 get higher rates; women generally get lower rates); location (New Jersey and California rates are high; urban rates are higher than rural rates; many companies now even look at your zip code); driving history (if you've filed one or more claims in the past five years, this will boost your premium significantly; so will a speeding ticket or other violation, even if no claim was filed); amount you drive; type of car (expensive cars get higher premiums, so do cars with high rates of theft, like the Toyota Camry and Honda Accord; so do off-road vehicles and large SUV's).

Finding an Auto Insurance Company on the Internet

If you run a Google, MSN or Yahoo search for "car insurance" or "auto insurance" you'll see that this is a crowded business on the Internet. There are literally hundreds of companies advertising auto insurance online. However your best bet is to use one of the companies which allow you to order online, like Esurance.com or InsureMe.com.

You'll soon notice that each online insurance company has its own little qualifying process and series of screens it forces you to go through before it give you a quote.

Esurance.com is a good example. It starts by asking you for your zip code - an easy enough question. Then on the ensuing screens they request detailed information -- How many cars you are insuring. How many drivers. Year/Make/Model of your car. Uses of your car. Discounts for which you may be qualified, such as airbags, antilock brakes, car alarm, etc. Coverage you are looking for. And so forth.

The Esurance.com application process is actually fairly simple, and takes only a couple minutes - after which you're provided with a specific quote from Esurance.com, which is a virtual (online) insurance provider.

By contrast, another website, InsureMe.com takes you through a very similar application process, but concludes without providing you with a specific quote. Instead, it lists several brick-and-mortar insurance companies which will contact you later, either by email or phone, with specific quotes. This has the advantage that you will be able to compare policies and quotes, and the disadvantage that you will have to wait awhile for the companies to contact you.

Other auto insurance aggregators (as they are called) have other processes -- some, for example, run your credit report as part of the process.

In any case, as a final step in choosing a policy, you may want to take a little time to check out your selected insurance provider at AMBest.com, particularly if it's one you're not familiar with. To do so you'll have to create an account on AMBest.com to look up an auto insurance company's rating, but it's fairly simple to do so. Once you've created your account, click on "rating and analysis" and input your company's name. Companies are assigned a letter grade from "A++" downward. You'll definitely want your selected company to have at least a "B" rating, which is "good."

Incidentally, even if you already have what you think is a reasonably-priced policy, it's usually still a good idea to apply online to see if you can get a better premium rate. After all, there's no obligation and it only takes a couple minutes. According to a recent survey of consumers by the industry publication EDP Weekly, one in three people who shopped online for auto insurance and then bought a new policy saved more than $500 with some saving $1,100 or more.