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Random articles chosen from EzineArticles.com appear below.....
The Most Expensive Cars to Insure
By Martin Lukac
Just because a car is cheap doesn’t mean the insurance will be. High-cost cars aren’t always the most expensive to insure either. If you are concerned about high insurance rates, you probably shouldn’t go out a buy a new $33,000 Honda S2000 convertible. And that little inexpensive Volkswagen GTI, listed at $22,000, will cost you as much in insurance as its bigger cousin, the Passat, which costs twice as much.
Looking for cheaper insurance rates? The 2004 Chevrolet Aveo and the 2004 Chevrolet Colorado are among the cheapest 2004 models to insure.
The main factor in the cost of insurance for certain vehicles is not in the price, but its claims history. For example, certain cars are proven to be stolen more often. Some have high repair costs or are in more accidents than other cars. There are many factors, not just the cost of the car, that affect the premiums.
Insurance premiums are based on several factors, including:
The sticker price: a car that costs more to buy, costs more to replace.
Repair costs: Repair costs are skyrocketing at nearly double the overall rate of inflation. There are so many technological advance included in cars that they are more expensive to repair.
Theft and fraud patterns: Cars that are frequently stolen are more expensive to insure. Thieves have their favorites based on market demands and interchangeability of parts. The Honda Accord and the Toyota Camry are the most frequently stolen cars. If you live in an area where there are high auto theft rates, you could pay more in premiums. Insurance fraud is also on the rise and will result in higher insurance costs, especially if you live in New York, Massachusetts or Florida.
Model year, weight and vehicle type: The more power you have the higher premiums you will pay. Sports cars, high-performance vehicles and luxury cars have the highest losses for vehicle damage and small, light vehicles have the highest death rates. Passenger vans and station wagons have the lowest losses for vehicle damage. SUV’s and trucks will generally sustain less damage in a collision, but will cause more damage and higher liability claims.
Driver demographics: Your age, where you live, your gender, driving record and credit history will affect your premiums. If you have a bad driving record, you will pay a lot in insurance premiums. If you have a good clean driving record, you’ll pay less for insurance.
Technological progress: New gadgets and doodads in cars will make your premiums higher. This is because the cost of repairs is more expensive.
Martin Lukac, represents EnginePromoter.com, http://www.EnginePromoter.com is a search engine marketing web-site for search engine optimization and website submission. Promote your website and get top rotating positions on over 250+ search engines and over 600,000 online resources including a niche website submission. EnginePromoter.com also operates an online shopping portal #1 Shopping Online http://www.1ShoppingOnline.com and real estate portal http://www.RateEmpire.com
Article Source: http://EzineArticles.com/?expert=Martin_Lukac
http://EzineArticles.com/?The-Most-Expensive-Cars-to-Insure&id=196096
Rolls-Royce Phantom: The Pricey Spirit
By Anthony Fontanelle
Rolls-Royce’s new Phantom is born with the right spirit. But for those who intend to seize its spirit, they have to pay first the pricey price. And how pricey is pricey? A Phantom Drophead Coupe was earlier sold for $2 million at a charity auction in Florida. Now, it holds the record of the most expensive new car ever sold in the United States.
In the seven-year history of the Naples Winter Wine Festival, the $2 million bid was the highest price paid. The famous auction was attended by equally famous celebrities like television and film stars. It was also graced by top vintners and chefs. The top bidder though has to wait for the delivery of the landmark vehicle. The production of the soft-top worth £300,000 will be starting this summer at the company's factory in Goodwood, West Sussex. The said factory will use only two robots to do the painting of the car’s spaceframe body. The rest of the work is done by hand. This is in accordance with the Rolls Royce tradition.
The 2008 Rolls-Royce Phantom Drophead Coupe debuted at the North American International Auto Show (NAIAS) last month. The ultra-luxury saloon was the first Rolls-Royce branded car made under the ownership of BMW. It is equipped with 6.75 L, 48-valve, V12 engine based from BMW’s V12. The engine is capable of producing 453 horsepower and 531 ft•lbf of torque.
After the car was unveiled, it got a mixed reception. Purists did not take the modifications positively. However, modern owners interpreted the alterations in an optimistic light.
The excitement found in the new Rolls Royce Phantom may not be credited to EBC Active Brakes Direct; it has to be contributed by a collection of remarkable auto parts that include the double wishbone suspension and six-speed automatic transmission. The Rolls Royce Phantom also features side markers, aluminium spaceframe body, wood and leather work and it also retains some of the customary Rolls-Royce design cues.
Other stunning features of the Phantom Drophead include the power reserve dial instead of a tachometer, suicide doors, electronic lock, pop-out umbrellas on the rear doors, traditional Spirit of Ecstasy ornament, and the catchy 'RR' logos.
What do you do with a handsome Phantom? Critics in the industry said 90 percent of owners will be at the controls of the £250,000-worth car. Nevertheless, some aficionados asked whether the car is really worth its price. To find out, critics got behind Rolls Royce Phantom’s wheel and tested it.
According to the expert who test drived the Phantom, the car glides effortlessly and the steering is very light and requires the minimum of effort. “It really is uncomplicated and very relaxing, although a large blind spot means you need to take great care when changing lanes. But on these kinds of roads the longer you're at the helm, the more you want to drive the Phantom. Few motors leave you this chilled-out after a 300-mile journey, which explains why R-R is so confident owners will want to drive it,” they added.
“The feeling of space and the sumptuous seats make the Rolls a very exclusive place to be,” an occupant quipped. “If that happens, the Phantom will be everything a modern Roller should be - graceful, easy to drive, smooth and powerful. When it comes to luxury motoring, it doesn't get much better,” he added.
At £250,000, the Phantom is definitely not an affordable car. However, the classy machine could undoubtedly charm the rarefied realm where purchasers of such cars exist. Indeed, the pricey spirit of Rolls-Royce Phantom Drophead is handy to those who can afford it.
Anthony Fontanelle is a 35-year-old automotive buff who grew up in the Windy City. He does freelance work for an automotive magazine when he is not busy customizing cars in his shop.
Article Source: http://EzineArticles.com/?expert=Anthony_Fontanelle
http://EzineArticles.com/?Rolls-Royce-Phantom:-The-Pricey-Spirit&id=469180
