2552-12-17

Tips for buying used vans


With the economy encountering an enormous slow down, some companies are holding onto their assets and others are throwing away their extras and making their businesses more efficient. It means that right now is the best time to purchase used goods, if you have money. Additionally, buying a used van is also one of a good idea, since there are a lot of used vans that are not all second-hand or old.

The price of used van is a bit more speculative than a new van. You may be expected to pay a little more when you are buying a used van with steering, power windows, air conditioning and a very low mileage. The consumption of gas is also very essential, and a used van with a lesser gas consumption may also cost a bit more. The price of the used vans is also depending on wear and tear and vehicle repair history.

If you decide to purchase used vans via a dealer, negotiating the price will be easy. Play rival dealers – like Renault, Opel and Nissan – against each other and get online to know if the van that you need is more inexpensive somewhere else in the country.

Unfortunately not all used car salesmen will give you the truth about the car that you are going to purchase, so you need to think about many things before you are buying used vans. When you are looking for the best van that meet your needs, you should take into account what you wish it for, what size it should be and how much work it will have to do. It is necessary for you to have a bright idea of what brand and model of the van you want to buy before you begin searching for a great deal.

It is much more important to test drive a used van than a new van. Used vans can differ extremely based on how they have been driven in the past time. There are a lot of factors to be inspected on a test drive, such as engine, gearbox, mileage, brakes and tires.

When you figure out the perfect van in your mind, seek for a good insurance deal for your van. It is actually simple to compare prices in the internet, but remember not to simply pick the most inexpensive cover. It is best to choose the van insurance that gives you the most cover for your cash, making sure you own the best cover in the case of a claim or accident and the best payout too.

Automobile Lemon Law - Lemon Law specifics

It is common for lawyers to file frivolous suits that are unable to meet the lemon laws rules and guidelines. Many times the lawyer does not make sure that the consumer has followed through with the guidelines set forth by their state and the federal government. A consumer should seek the professional knowledge of a lawyer who is trained in this type of law for specific guidelines in their state that must be followed. The federal government has rules that must be followed, as well as each of the states has certain laws that must be followed. Below are some of those states laws.

Alaska

In order to bring suit in Alaska over lemon laws, the consumer's vehicle must have had three repairs that went unfixed, or they must have went thirty days with the vehicle being out of commission, within one year of purchase or less. Alaska requires certified notification to the seller of their inability to correct the problem after several attempts. It should also be noted to the seller that the consumer demands that a replacement be supplied, or a full refund within 60 days, after this the manufacturer or dealer will have thirty days to correct the problem on last time.

California

Here it is almost the same laws, except that the repairs have to been attempted four times with no correction, or thirty days without the vehicle in service. These thirty days can be spread out within eighteen months or 18,000 miles. This or at least a reasonable amount of repair attempts must have been made. In California, if you are thinking of filing suit, you must first notify the manufacturer in writing and allow the vehicle to be repaired by them within thirty days. Since 2001, only two repair tries are needed to constitute a lemon when safety is a concern that could possibly end in death or serious bodily harm.

Georgia

Here it is required that only three attempts have been made without correcting the problem, but they must be done consecutively and within 24,000 miles, but less than twenty four months. Only one failed attempt is need for safety concerns such as brake defects, or malfunctioning steering control during the first year, or under 12,000 miles. The consumer must notify by certified letter the dealer or manufacturer, which will include a receipt. They then have seven days to contact the customer about repairs, and they have fourteen days to complete the repair.

Iowa

Here it is only needed that three attempts have been made for a repair. One failed repair on a safety concern, or thirty days with the vehicle being out of commission in two years, or 24,000 miles. A standard written notice, certified or registered mail, the manufacturer has to be given ample opportunity to make repairs within ten days of the notice.

As shown here, each state's laws may differ slightly, but each state has an arbitration method, although it is not necessarily mandatory or is it always needed or wanted.

Car Accessories: Improving the Value of Your Car

Indeed having car accessories installed to your vehicle can bring great fun and excitement for many car owners. And that’s not the only advantage by which car accessories can give you, improving the value of your car can be the top reason why most car owners opt to have them.

Because of the innovations brought by advanced technology, there are numerous different car accessories made available in the market today. Varieties of products are developed both for the exteriors and interiors for different set of purpose. Most car accessories are made to preserve the life of your car by functioning in several different ways.

Like for an instance, window tint can be one of the car accessories by which can preserve the life of your interiors. These car accessories can block UV rays in entering your car’s interior by which it prevents cracking and fading. Thus preventing you to have repairs for your vehicle, these car accessories let you save money.

Car accessories are not just to improve the looks of your car but can serve as protection also for your car and for you. By installing car alarms, your hard-earned investment can be protected from cases like car thefts, etc. These car accessories works by giving you signal whenever somebody tries to get close to your car. There are lots of modern technology car alarms in the market by which are developed to improve its function in securing your valued car.

When we speak of unwanted occurrences like accidents, there are certain car accessories that can help you. The window tint is one of the good products to have because during accidents glasses can be hold still rather than splashing by which can cause further injuries. Reverse sensors are also car accessories that can help you avoid accidents by guiding you as you do the reverse. Most often you are not able to see what is behind you especially if it’s below what you can see from behind. There are advanced reverse sensors which includes real view of what is behind you which will guide you more in avoiding unwanted scratches or accidents.

Most of the car accessories are preferred by owners because of the convenience, comfort and luxury it can give. Leather trims can add value to your car as well as comfort and looks. With the wide range of colours, materials and designs available for leather trims, you are given the chance to fulfil the desires of your heart. The detailing can freshen up your car whether you intend to sell it or to just give it a better look.

Certainly, any car accessories you might choose will give your car an increased value and make it more attractive than before. So, what are you waiting for? Start the quest and find the best company that will provide you high quality of service with regards to car accessories. You can visit several online auto centres for your convenience and find great deals for your car accessories needs. Make sure that your chosen auto centre company is reputable and well known for its excellence in providing car accessories.

4×4 Accessories – Put Those You Need On Your Xmas Wish List

We all love our cars and many of us take great pride in ensuring they look their best at all time. If you are the owner of a 4×4 or pick-up truck then you will be well aware of the different 4×4 accessories that you can purchase. Whether you require a tow bar, lighting or something a little more personal to make your car unique as well as practical, what better present to ask for this Christmas?

One major reason some people have 4×4’s is to tow trailers, caravans and horse boxes. Of course you can’t afford to choose poor 4×4 accessories when it comes to towing due to the seriousness of the incidents that could occur. Whether you require single or double electric ports, these are available online from those pick up and off road accessory specialists.

Many of us that drive 4×4’s or large pick-up trucks may have limited experience of doing so before. With this in mind, online specialists have ranges of parking sensors and reversing aids to help with the task of bay or parallel parking. It is difficult to get used the length and width of a larger car especially if you are used to a smaller vehicle.

We all like to personalise our belongings to make them stand out from the rest. If you have a spare wheel on the back of your 4×4 then you may want to look for the right wheel cover that matches your car colour or something a little more unique. With ranges of wheel covers for a variety of 4×4’s you can browse the selection online to ensure you’ve chosen the right one for your requirements.

4×4 and pick up accessories specialists understand that quality means everything, so don’t forget to add it to your Christmas list to ensure you get something you really want this year.

An Introduction to Electric Car and Building a Trailer

Electrics are nothing new for us. We have been using them since childhood. People of any age love these cars and if you are a car fan, you would surely want to have your own Electric Car (EC). Usually, the inexpensive electric cars do not come with the expected speed. To overcome this problem, you can always build your own electric car by researching a little. In this particular article, I am going to give you foreword about electric cars.

A normal EC consists of two major components, an engine and a battery. If both of these components are used properly, the final EC will be much better than the old ones you purchased from market. Chassis is another part of the EC which is as important as battery or engine. A better chassis will give an attractive look to your electric car and then you can even sell your EC.

This is the brief introduction to EC. Now, I will move ahead with building a trailer introduction. Building a trailer would sound very complicated at first but if you research on internet, you would find a lot of guides on how you can build your own trailer. It saves money which you would pay to mechanic otherwise, it gives you experience and on second try you would come up with an appealing trailer which would be much better than the first one. Tools, equipments, components you usually require to build a trailer are; axle kit, weight capacity, frame, suspension. If you are very new to this, ask for the help of some experienced person. That will save your time as well as cost.

This is a small article which gives brief introduction to electric cars and how to build a trailer. One small tip at the end, do you experiments in open environment where you have enough space to carry out the process.

How does a car become ‘Car of the Year’ and why should you buy one?

Choosing a car can be a long, drawn out process that could take months before you finally make a decision on your next purchase. A lot of us will have preferences on brands and models that we may have either learnt to drive in or which friends or family members who have recommended to us. Likewise there are plenty of TV shows and magazines full of car reviews, filling us in on the pros and cons of each car.

One good indicator of a good car is the ‘Car of the Year’ award, an award given to a car that, based on a range of criteria, has been chosen as the best car of the year - typically a model that has been released that year. The award is voted for by motoring journalists so they have the buyer’s interests at heart in their judgements which are based on a number of factors such as:

Design
Obviously how the car looks, but also with modern technology helping improve the features of cars the design is really important these days.

Comfort
You ideally want a car that is comfortable, especially during long trips. A lot of cars now have new comfort perks such as heated seats and almost every adjustment can be made to the seats height, angle and support which all contribute to the comfort level of a car.

Safety
The safety rating of any new car is a vital statistic that drivers, especially parents, will be concerned about. Seatbelts and airbags as well as technological advancements like parking sensors and some models even alert you if you drift out of your lane on the motorway.

Economy
The cost of fuel and motoring in general is a hot topic these days and so you ideally want a car that can really go the distance between visits to the petrol station.

Handling and Performance
Obviously you want a car that performs well and doesn’t have any annoying characteristics such as poor acceleration or steering.

Price
Whilst the price of a great car is subjective, what the criteria that the Car of the Year organisation measure is how well placed a vehicle is, a car that is priced low enough to appeal to many different drivers is going to score well in this category.

Driver Satisfaction
Lastly and most importantly, is the satisfaction of the drive. Does the car drive well? Does it have any annoying features? Is the car prone to breaking down or parts breaking? These are all contributing factors to how satisfying the car is to drive.

If you’re looking at getting a new or used car then do your homework first. If you need car finance and have a less than perfect credit history then check out the bad credit car finance options available to help you to purchase your dream motor.

Local Used Cars Dealer Or Private Seller For Car Buying

Despite bad economy situation, cars are playing a major part in our everyday life and it is absolutely required cost for every household. While there are people who can still search for a brand new car, lots of people are turning to the local used car dealers for various reasons, including cost saving but quality vehicles selections. Meanwhile others prefer to go with private seller as they want to negotiate directly with seller rather than dealing with dealership. One advantage of going with private seller would be the competitive price over the used car dealers. Usually you can find cheaper price on the cars by the roadside or in the local newspapers. The main reason that they don't have major sales overheads therefore there are no more extra costs involved with the cars for sale. Also private sellers tend to sell their vehicles quick, thus are willing to go down with the price tag after negotiating with potential buyers.

At the same time, you will very likely pay more if you go with used car dealership, but there is good side of it. It usually comes with warranty for few years, which will give you a peace of mind compared to buying from private sellers. Used car dealers will perform thorough inspections on the vehicles, fix any problems and provide their service warranty along with the sale. That is a big advantage as you will never know what could have happened to that particular used car if you are not familiar with all the history of it. The warranty itself has value in terms that the vehicle has been inspected, serviced and any problems have been resolved by the dealer already, therefore it is guaranteed for the specified period of time for any future issues. Besides it, there are few more advantages if you go with local dealerships such as extra services including roadside assistance, multiple models and options to choose from, and saving times spending at one place rather than drive around to just take a look at the car from the private seller.


Used car dealers offer a wide range of models and vehicles varieties so that buyers can have many options to choose. At the same time, quite a few different financing options are available from the dealers via their financial associates with long history of success in the business. But when you choose the used car dealer, you need to ensure that they are registered car dealers with proven history of business. You don't want to just buy any car from anyone, but go with good dealer with reputation. In order to locate reputable used car dealers, you could look up the local Better Business Bureau for reliability reports of the particular car dealers. You can also check with your friends or family members who already bought the car from them and ask for the review.


Finding a good used car dealer in your local area is the first step towards valuable investment and it is always best to utilize your human network and ask them for any questions you have before make a decision on car buying.

2552-12-05

BMW X5 xDrive35d


EDITOR WES RAYNAL: I've always liked the facelift BMW gave the X5 a while back. I think it is one of the better-looking utes on the market.

Though it still drives like a big heavy truck, dynamically the BMW is head and shoulders above most any other ute on the market. The BMW's ride is smooth and more fluid. There's solidity to this truck that you just don't find with most SUVs.

The diesel, while just a little gruff, especially at idle, is mostly smooth, feels nice, offers plenty of torque and fits perfectly with this six-speed transmission. I don't remember once sniffing any diesel fumes.

However, iDrive is still annoying as hell, even in its new simpler form.


EDITORIAL ASSISTANT JONATHAN WONG: When it comes to midsize SUVs, the best-handling ones you'll find are BMW's X5 and the Infiniti FX. Every time I step out from behind the wheel of an X5, I find myself surprised that I had been driving a two-and-a-half ton vehicle. Don't get me wrong, it's no sports car, but an impressive handler in SUV terms.

Flick the nicely weighted steering wheel in either direction to have the X5 respond quickly with little roll. Overall, the body is well controlled with hardly any dive under braking and feels really planted in all situations, be it an expressway-entrance ramp or stomping down city roadways.

Speaking of the city, the stiff suspension still offers enough give to deliver a comfortable ride. This suspension setup is just another example of how BMW is so good at balancing performance and comfort.

As Raynal points out, it's well built with soft and nice-looking materials throughout the cabin, which has a good number of cubbies to hold stuff. Our test car is loaded to the brim with $20,000 worth of options, which is nice. It's just that more than $70,000, the X5 is rather difficult to comprehend at first.

However, the big news here is BMW's clean diesel turbocharged I6 under the hood, and it's a good piece. When it comes to base price, it falls nicely in between the gas I6 and the V8 model. There's a premium of $3,700 for the diesel over the gas I6 and it undercuts the V8 by a cool $5,000. Oh, and if you buy the diesel, you are eligible for up to a $1,800 tax credit under the IRS's advanced lean-burn technology motor-vehicle tax credit. Not too shabby.

With monster torque, the engine scoots the X5 up to speed with ease. According to BMW, 0 to 60 mph comes in 6.9 seconds. It remains smooth as the revs build, and you would have a tough time realizing it's a diesel if you weren't paying attention. There is a little clanking initially at idle and launch, but that's it.

Topping things off is the great range diesels allow for. A little more than a half a tank of fuel got us a little more than 300 miles with mixed driving.

The downside? Most diesel-fuel pumps I've used have been nasty.


2009 BMW X5 xDrive35d

In Fleet: April 3-17

Base Price: $52,025

As-Tested Price: $72,120

Drivetrain: 3.0-liter twin-turbocharged diesel I6; AWD, six-speed automatic

Output: 265 hp @ 4,200 rpm, 425 lb-ft @ 1,750-2,250 rpm

Curb Weight: 5,225 lb

Fuel Economy (EPA/AW): 22/21.5 mpg

Options: Sport package including 19-inch wheels with all-season tires, electronic damping control, sports leather steering wheel, comfort seats with lumbar support, shadowline trim, anthracite headliner ($3,700); premium package including automatic tailgate operation, universal garage-door opener, digital compass mirror, auto-dimming mirrors, lumbar support, BMW assist ($3,400); technology package including rear-view camera, park distance control, navigation system ($2,600); active ventilation seat package including active seat for driver, front ventilated seats ($2,100); premium sound package including premium hi-fi system, six-disc DVD changer ($1,850); rear-seat entertainment ($1,700); cold-weather package including heated steering, ski bag, heated front seats, heated rear seats, retractable headlight washers ($1,250); head-up display ($1,200); comfort access system ($1,000); satellite radio with one-year subscription ($595); iPod and USB adapter ($400); running boards ($300)

For more Car Reviews for new cars, trucks, SUVs, vans and crossovers, click here.



Read more: http://www.autoweek.com/article/20091204/CARREVIEWS/912049996#ixzz0YpyXGaBi

BMW unleashes ActiveHybrid X6


Earlier this fall, Honda and its luxury division, Acura, both introduced contenders in the ever-growing field of fastback-utility crossovers. Now jumping into the fray is BMW’s ActiveHybrid X6.

BMW’s expansion of its “sports activity vehicle” line continues, this time in a full-hybrid version. By combining BMW’s 4.4-liter, 400-hp, twin-turbo, direct-injection engine with two electric motors producing 91 hp and 86 hp, respectively, the net result is a 480-hp output with 575 lb-ft of twist. As hefty as the X6 is (at 5,401 pounds), the hybrid powerplant delivers 0-to-60-mph performance to the tune of 5.4 seconds. Top speed is electronically limited to 130 mph.

A two-mode seven-speed automatic trans-mission (codeveloped with General Motors and used in the Chevrolet Silverado and GMC Sierra hybrids) gets the power to all four wheels. The first stage allows for running at startup and during normal city driving. The second mode facilitates high-speed highway operation. A pure electric “run-silent” mode also exists, enabling the ActiveHybrid X6 to run at speeds up to 37 mph for approximately 1.6 miles, depending on the battery’s state of charge.

Much has been done to make drivers forget they are in a hybrid. Gone is the hydraulic air-conditioner compressor. In its place, an electrical climate compressor operates while the X6 is stopped, and a voltage converter continues to supply full power to the vehicle’s 12-volt system, even when the gasoline engine shuts off at idle.

The nickel-metal-hydride battery system continues to support operations in the ActiveHybrid X6 by powering the electrically assisted power steering and Sensotronic brake actuation (SBA). With the latter, braking power comes from the regenerative electric motors, which transmit brake force to all four wheels except in a panic-stop situation that exceeds 0.3 g, when the mechanical brakes step up to assist. In addition to SBA, the ActiveHybrid X6 has the same alphabet soup of assists, from dynamic traction control (DTC) to dynamic stability control (DSC), as in the traditionally powered X6.

The powertrain is seamless, without that laggy tip-in typical of most hybrids. Steering has gone from hydraulic in the original X6 to electric here, but it still transmits good road feel to the driver.

Through stop-and-go traffic on rather uninteresting roads in south Florida, where BMW chose to hold the global launch of the vehicle, it was clear that this is still a driver’s car, even if it is a hybrid. The car rewarded the driver and made sport of slicing and dicing past the lollygaggers and out-of-towners clogging the road.

BMW says to expect about a 20 percent improvement in mileage over the nonhybrid version of the X6. EPA testing reports rate the ActiveHybrid X6 at 17 mpg city and 19 mpg highway. That’s only marginally better than the X6 xDrive 50i, which gets 13 mpg city and 18 mpg highway.

BMW has built a stout vehicle that is a capable hauler of up to four people and their things, with a ride quality that rivals its gasoline-powered sibling.

The ActiveHybrid X6 has a base price of $89,725. If you can do without the hybrid powertrain, a base X6 starts at $67,125. Yep, being green costs money

2010 BMW ActiveHybrid X6

ON SALE: December

BASE PRICE: $89,725

DRIVETRAIN: 4.4-liter twin-turbocharged V8 with electric assist motors for combined

480 hp, 575 lb-ft; AWD, seven-speed automatic two-stage transmission

CURB WEIGHT: 5,401 lb

0-60 MPH: 5.4 sec

FUEL ECONOMY (EPA): 18 mpg

For more Car Reviews for new cars, trucks, SUVs, vans and crossovers, click here.

Honda Ridgeline RTL


COPY EDITOR CYNTHIA L. OROSCO: I was pleasantly surprised that I enjoyed driving this truck, especially since I'm not a fan of big trucks--and because the look of this Ridgeline makes me think of a dog. Yes, the shape of the cab and the odd roofline that leads into the bed made me think of Clifford the Big Red Dog.

I liked the power and the heavy feel, which made me feel safe despite the rollover warning on my visor. I also liked that there was lots of room in the front and rear seats. In fact, I think you could fit a pull-out seat in the footwell of the passenger side. And there was no lack of cubby space for all items big and small.

But the dash-console setup was confusing. The odo-tach-gauge area looked basic and cheapish, while immediately to the right, the audio/navigation climate system was more hip. It's like a low-tech/high-tech split personality, and I didn't like it. But I loved how quickly the defrosters worked, and the heated seats were great. And the backup camera was much appreciated in this truck.


SENIOR EDITOR FOR NEWS BOB GRITZINGER: It's hard to argue with the simple practicality of the Ridgeline, which only seems to get better and smarter with age. Downsides remain that it is pricey for a unibody V6-powered truck, and one that only gets about 17 mpg. On the other hand, the trucks that fit this segment are few and are either smaller, like the Toyota Tacoma, or much bigger and heavier, like the Chevrolet Avalanche. If you want the compromise vehicle, and you're willing to compromise on load and towing to get it, the Ridgeline remains a singular value.


EXECUTIVE EDITOR ROGER HART: Just a night in this made me miss our long-departed Ridgeline. Still not much on the looks, but it's hard to argue with the practicality of the beast. This 2009 model features such things as an updated dash with radio interface and heater controls, plus a backup camera. Very nice, and I can imagine trailer towers would love it.

I really like the versatility of the Ridgeline, with the lockable, weather-tight trunk in the truck bed, and the way the tailgate swings or drops. On the inside, you can flip up the rear seats and you have a ton of space, thanks to the flat floor.

The V6 is strong enough in this application, and I got more than 20 mpg on the highway, with 18.5 mpg overall. All things considered, this would be a pretty good choice for someone who needed a daily driver with some hauling capabilities. If you don't mind how it looks.


2009 Honda Ridgeline RTL

In Fleet: Oct. 27-Nov. 10

Base Price: $36,330

As-Tested Price: $37,174

Drivetrain: 3.5-liter V6; 4WD, five-speed automatic

Output: 250 hp @ 5,700 rpm, 247 lb-ft @ 4,300 rpm

Curb Weight: 4,564 lb

Fuel Economy (EPA/AW): 17/18.1 mpg

Options: Fog lights ($346); XM satellite radio ($189); security system ($162); moonroof visor ($87); rear under-seat cargo tray ($60)

For more Car Reviews for new cars, trucks, SUVs, vans and crossovers, click here.



Read more: http://www.autoweek.com/article/20091203/CARREVIEWS/912039996#ixzz0YpxyfQI7

Best tips on getting top quotes on insurance premiums

If you know when to use it. For those who have been laid off or are worried about losing their job and health plan, ehealthinsurance offers affordable alternatives for COBRA insurance. Our information center helps you learn more about a specific insurance carrier, browse health plans by the nation's top health insurance companies.

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Seattle Auto Insurance Quotes

Unfortunately many drivers are paying too much for their Seattle Auto Insurance coverage. To avoid doing so it is important that drivers do what they can to find the best possible price for their coverage.

The best way to find such a price is to request quotes of coverage from a number of insurance providers. After doing so, drivers can make easy comparisons and determine which provider offers the best policy for them. While this may take some time, it could save the drivers hundreds and will be worth it.

An insurance policy covers the driver and vehicle for a said period of time. When this time is coming to a close the driver will receive a renewal notice. This is a good time to make comparisons with other insurance providers in regards to their current policy.

As you are requesting quotes for coverage, it is important to ask for the same amount and type of coverage from each insurance provider. Comparisons will not be accurate if there is any variance in these factors.

Using the internet for the purchase of an insurance policy is often a good idea. While drivers can research the provider and obtain any information that they require, many providers will offer discounts to drivers that purchase online.

If you do not have the time to contact a lot of insurance providers on your own, you may want to use the services of an insurance broker. Brokers work with a variety of different insurance providers and will be able to request your quotes quickly and present you with the information for your decision.

While the broker will earn a commission on the sale of the insurance policy, it will not affect the price that the driver will pay for their coverage. Therefore the benefits that a broker can provide by obtaining multiple quotes quickly should be considered.

Cheap Auto Insurance -- Tips To Pay Less

Do you know that you might be losing money if you have a car that you've not used for months? Do you have a car that you've just forgotten about because of the headaches it gives you or something? Are you still paying premiums on such a car because you did NOT remember to remove it from your auto insurance policy?

The painful reality is that more people than you could imagine are paying higher rates than they should because of such negligence. If you made this kind of mistake then you can save yourself a lot of bucks by quickly removing an unused car or cars from your policy.

You will enjoy discounts with a number of insurers if you're part of an auto club. Although you shouldn't expect to be given huge discounts for this, each small discount you can get will add up to much when added to other such discounts.

Don't try to give false information in your bid to get cheaper rates. State things just the way they are. Insurance fraud costs us all.

If you couldn't care less about the cost to everyone in general, don't forget that your insurer is free to cancel your policy on the grounds of false representation.

This could make you lose a lot more than what you thought you would save. This is partly because of the added cost you'd bear if your policy lapses (which is what would happen if your insurer cancels your policy).

It's been estimated that insurance fraud adds up to $1,500 to the average family's insurance premium annually. Help make the world a better place by doing your bit to ensure we don't have to pay a lot more.

Policyholders who do NOT make claims for up more than 3 years get a No Claims bonus. Remember, this does not mean you might not have any cause to make a claim but that you did not file one. Therefore, if it's a minor case, handle it on your own. What you'll gain from a No Claims discount will certainly outweigh it.

Another alternative for you is to use your parents' car insurance policy. The fact that you're of driving age means that your parents belong to a better risk age group.

To take advantage of this though, you will have to live with your parents and also have the car registered in their name. If you want to be the owner of your vehicle, then be the big boy or girl and also own the higher premiums. Sorry, you cannot have both with this alternative. However, you can still make massive savings by following the link at the end of this piece.

Car Insurance For Teens

And...

Make out some time to visit a minimum of 5 insurance quotes sites that return quotes on auto insurance policies. It should require around 25 minutes.

As you visit each site, make sure you input the same details. Doing otherwise will produce misleading quotes. When you've obtained your auto insurance quotes, compare them to determine which serves your interest best in price/value.

Is there a Need Homeowner's Insurance?

Homeowners insurance might one of those required items you need to have for your peace of mind and that of your mortgage company but there are many ways you can have all the cover you need but reduce the weekly insurance costs. We would all like to use this insurance premium more constructively thus by saving a few dollars we can put this back into things we need around the house.

Most insurance companies that retail insurance plans, other than householders insurance, will recommend individuals look over other types of policies they have. Two or more policies arranged this way can produce discounts of fifteen percent or more which can add up to a considerable saving over the course of a year.

You must also not forget to add any new expensive items to your homeowners insurance each year to guarantee continued coverage but some items will also depreciate as well, especially electronic goods. Another overlooked area is that of having too much insurance which happens when people either have insurance cover for things they do not own or where the item is already insured via another policy.

As many items claimed on householders insurance are quite low in value, a simple way to reduce your monthly premium is to increase the deductible that has been set from say 250 to 1,000 dollars. Many householders forget that other insurance savings can be made just by fitting a smoke detector and some additional locks on the windows and doors, plus things like roofing material that retards flames and even storm shutters.

Safety regulations on new homes are much stricter and most of these items will be standard so your policy payments should reflect this. People over the age of 55 will also receive insurance premium reductions and in particular if they are long term customers. Gated communities, security locks on doors and windows etc. regularly present you with lower payments.

If you have been a smoker for a long time then you will have noticed that your Homeowners insurance premium has been higher but if you have stopped smoking, a reduction is normally due thus do not forget to inform the insurer. The number of fires caused by cigarettes in the USA is over 20,000 per year therefore you can see why non-smokers can receive preferential rates.

People regularly overpay for homeowners insurance by adding the value of the land that their home resides on so remember that you only need to cover the house itself and your property, not the land. The land is more often not going to survive any problems so does not need to be insured.

Car Insurance For Women

In today's world there are different categories insurance companies put drivers into , one such can be car insurance for women . Women drivers today are often offered lower rates than men today because statistics show they are safer drivers , there are many more women drivers on the road today and insurance companies have been able to gauge the differences of men and women drivers accidental rates. Men drivers are known to be more aggressive and take bigger risk ,on the other hand women drivers don't want to take dangerous risk and are easier on the road.

You may be able to save hundreds of dollars in savings every year over your present policy. The point is, you will never know for sure until you do some investigation of your own. Each insurer have their differences , some cater to women more intensively than others,some will have better claims satisfaction percentages,they all are different and it is up the the individual to do the homework studying which company will best suit their needs.

Women will prefer to have insurance that includes rode side assistance then they can call to have it towed and get a rental car with not too much worry. Insurance for the rental car should be included so the rental agency can't juice her on the extra insurance, it is important that one know ones policy very well to keep from getting into financial trouble along the way. The best way to find cheap car insurance for women is to buy from a online site because it cuts out the middle man which will take a chunk out of the cost.

If you are worried about brand name recognition you will find the top insurance companies all offer car insurance coverage through the Internet. It is also a wise idea to pay your insurance on a yearly basis. This also will save you money and time.Paying on a monthly basis is more suitable for more women because it is hard to come up with a large amount of money in today's high cost of everything but quarterly payments would save more money.

Another great thing about women car insurance is the unique features that you can find with car insurance that is designed especially for women. You will be able to investigate the addition of special incentives for women. For example many insurance companies will be able to offer women care maintenance policies and break down insurance. These are very useful for women who are traveling on the road and need quick assistance. Women will also have access to buying guides and tips for car buying from insurance companies. All of these extra features are designed exclusively for women who are purchasing car insurance.

Independent women have the skills that it takes to get the most for their money,insurance is a obstacle they can deal with and the details of the insurance policy can be tricky. The auto insurers have fine print that must be dissected in order understand what they will pay for or not pay for in case a claim is submitted,this is important because nobody wants to feel they have been misled about a policy.

Guide For Philadelphia Auto Insurance

When it comes to shopping for Philadelphia car insurance, you would always seek to get the most coverage with the least amount. Also, you would need to aim to get a Philadelphia auto insurance that would conform to the minimum requirements set forth by the law of the state. Bottom line is, when you are shopping for insurance you will need to find one wherein you are comfortable in.

First of all, your background is a huge basis for the premium price of your Philadelphia auto insurance. You must make sure that you take care of your precious drivers record in order to get the sweetest deals from Philadelphia car insurance companies. Age also plays a factor in the price or rate of your insurance as well. If you think you have a bad record, then it would be advisable that you go out and find a consultant regarding Philadelphia auto insurance policies so that he or she can give you the best options you can take for Philadelphia car insurance.

Another requirement for your Philadelphia car insurance is personal property damage coverage. This coverage pays for the cost to repair the car of the other driver if you are at fault, pay the cost of repairing any damage to buildings, homes, mailboxes, lamp posts, street signs and other possible damages caused by the accident. This coverage should have a minimum amount of five thousand dollars.

Lastly, when you enter the doors of any insurance company, you need to have prepared a budget in mind, or else you may end up with an insurance policy that may have all the coverage and every benefit there is but you wont be able to afford Philadelphia car insurance.

It can be a long and tough road towards finding the best or the cheapest Philadelphia auto insurance rates when it comes to insurance policies. Some may even say that shopping for insurance can be harder than shopping for a new car. Either way, you will really have to put in a good amount of effort so that you will get the best and the cheapest Philadelphia car insurance rates possible. Do what you can to try and entice insurance companies to offer you lower rates and in the end, you will not regret your hard work,

Also, there are Philadelphia car insurance advisors that you can consult to find the best options you have. It may take some time and a bit of effort, but when it comes right down to it, being insured would be worth it when the need comes.

Compare Car Insurance On The Internet

Just one of the many ways how the Internet makes our lives easier, is by getting a better deal on your car insurance. You can find quite a few insurance comparison web pages out there and you can get a list of the best ones by going to your favourites search engine.

To compare car insurance policies, it should not take you long and you can save a lot of money if you use the Internet.

You will need to enter some personal details and of course details about your car. The quantity of money the you pay for your insurance depends on a number of factors including the value of your car.

More importantly, however, it depends on how much experience you have of driving, your age, your sex and sometimes a number of other minor factors.

You will get a number of quotes from various companies and if you decide to choose one you will be sent to the website belonging to the company where you'd be up to sign up for the deal.

You may be eligible for discounts. This is often true if you have a clean driving record and have never made any claims before. You'll find a car insurance generally gets cheaper the older you get an or more experience you and the less powerful the car.

If, however, you are young and have only just after driving and you have a powerful car then your insurance will be a great deal pricier, if you can even get a policy at all.

So, it is good news that you no longer have to spend hours searching for your own car insurance. Instead, with the Internet you can find it quickly and you can save a lot of money.

Affordable Short Term Health Insurance Is Available For Recent College Graduates

For college graduates there are many things for them to worry about like getting a job, finding a place to live, and even what they are going to do for the rest of their life. One of the things they shouldn’t have to worry about is how they are going to find affordable health insurance. Our nation is currently going through a health care crisis and there are millions of people who are uninsured, these people do not have to be college graduates. Many people who do not immediately find a job think that they don’t have the money to purchase health insurance which is wrong.

They not only may be eligible for assistance with health insurance, but they may be able to purchase Affordable Short Term Health Insurance. Many college graduates haven’t even heard of short term health insurance which is one of the main reasons why this type of insurance is often overlooked. Short term health insurance is health insurance that is offered to people who are in-between jobs, just graduating college, recently hired and are waiting for coverage to kick in, or just looking for some temporary coverage as they are in a changing point in their life. This type of health insurance is mainly aimed for health individuals such as college’s students who are looking for a safety net when they are not covered. Through these affordable short term health insurance plans individuals may be covered to up to $4 million if something were to happen. One of the reasons why the amount is so high is because the people who normally purchase this type of insurance are mainly healthy people so they are normally low-risk.

Each plan is different but normally the plans cover an individual or family from anywhere between 6-12 months and depending on the type of coverage you apply for, you may be able to renew your coverage once or twice after your initial coverage runs out. This can be extremely beneficial in today’s economy because it is much harder than normal to find a job because the United States is bordering on a recession. People who may have been able to get a job a year ago may spend months and months looking for a job. Most visits to the doctor’s office, emergency room, medical tests, and even most prescriptions are covered by this type of insurance. Although the co-payment for each doctors visit may be a little higher, it is completely worth it because you won’t be paying thousands of dollars for the care you are receiving. Normally the cost of this type of insurance is between $100-$200 depending on how healthy you are when you apply for the insurance. Remember that this type of coverage does not apply to pre-existing conditions that may have happened before you purchased this type of insurance.

Online Car Insurance Quote Forms Save You Time and Money

Do you Drive a Vehicle?

Lots of us have to operate and own a car in order to drive to our jobs, conduct our business, get to the store , and cart our families to school and play.

Car Drivers Need Car Insurance!

With an auto comes the need for an insurance policy. Every place in the USA requires a minimum policy in order to operate a car legally.. Besides the law, we certainly want to cover our big asset.

So we all need to pay for our premiums to provide insurance for our vehicles. You know that we have to take steps so that we get the top insurance at the cheapest rate.

Beyond that, we want to be able to find those top insurers without using up hours contacting a dozen different insurers that offer their policies in our area.

Find Auto Insurance Comparisons with Online Quotes

You can find the cheap car insurance quotes online with safe, fast, and free internet coverage queries You can enter your basic details one time, and then sit back and relax because the most competitive insurers will send you their best plans and prices.

You can use these websites to look for insurance for yourself, and for everbody in your family. You can even research all of the available car insurance discounts you may qualify for.

How do Insurers Set Rates?

Well, your own prices will be determined by many unique factors. You probably have already guessed that your driving history will matter. It seems obvious that people with few accidents will do better than those with lots of accidents.

Your Rates are Unique To You


Your age, type of car, how many miles you drive, and even where you live will affect your price. Beyond that, some insurance companies will use a credit report to determine the price!

Get Price Breaks on Your Coverage

You, and your family, may also qualify for some discounts. Safer cars, auto-safety features, anti-theft devices, and driver's education and safety classes may qualify. Insurers keep very detailed statistics about those things that their customers do, and when some things help prevent accidents, insurers tend to reward them.

So if people who take drivers education and safety classes or safety course have fewer accidents, an insurer may discount that. Likewise, some cars are cheaper to repair, or do not get involved in high claims accidents. Those vehicles will cost less to insure. Insurance companies try to use their past experience to predict the future risk of a particular applicant.

Insurers will also discount certain actions that save them money. If you combine more than one policy, they have not had to invest as much in seling policies to get the business. So a company may offer a discount for multi-policy families. You may insure multiple cars or you may insure a home and a car to take advantage of this price cut.

Again, with so many factors that can affect your car insurance, it pays to compare. Use online quote forms, and the power of the internet, to save money and time on your policy!

Protect Your Farmhouse with a Best Insurance policy

A Farm House is perfect choice when you are looking for some peace and quiet. By getting a farm house, you will be able to enjoy fresh, clean air, healthy environment some peace and quiet, and many other benefits of living. A beautiful farm house is the best idea of getting a perfect and cool way from the hustle and bustle of the city and living a more simplified and relaxing life. For your beautiful Farmhouse, a perfect insurance policy is necessary because it covers all damage if anything should happen to your house. A perfect insurance policy will give you piece of mind so you don't have to worry about anything and provide full protection especially if you have valuable items in the house.

For a best insurance policy, the first step is finding a provider of farmhouse insurance and in today's market there are many companies that are offering farmhouse insurance. So choose a reliable company that is just as good but less expensive as you want which one fit in your budget and best suits your requirements.

Farmhouse Insurance is covered for loss or damage caused by:-

1. Fire, Lightning, Explosion or Earthquake
2. Aircraft and other Flying Devices
3. Storm, Flood, Weight of Snow
4. Escape of Oil from fixed domestic oil-fired heating installations
5. Escape of Water from fixed water tanks, apparatus or pipes
6. Theft or attempted theft
7. Collision by any vehicle or animal
8. Riots, Strikes, Violent Disorder, Civil Commotion and Malicious Damage
9. Subsidence or Heave of the site or Landslip
10. Falling Trees, Lamp-posts or Telegraph Poles

Nowadays you can convert old farming buildings into commercial or residential use structures. Normally barns are designed for agricultural use, and you can convert this barn into a beautiful house. In this case many companies provide barn insurance for protection. You can select an insurance policy from Buildings only, Contents only, or a combined policy of Buildings and Contents.

Barn insurance offer online insurance quotation system for Brick, Stone and Timber built Barn Conversions. Barns Conversion covers farm house insurance, country house insurance, timber frame and subsidence and Flood at very reasonable cost that suits your requirements and budget. At Barn Insurance UK we offer cheap and professional services for barn and up to 45% discount off your premium on your own online insurance quotation. If you have any questions or enquiry about our policy or discounts,

2552-11-11

BMW 135i Convertible


2009 BMW 135i Convertible

In Fleet: Sept. 18-Oct. 2

Base Price: $40,975

As-Tested Price: $46,975

Drivetrain: 3.0-liter twin-turbocharged I6; RWD, six-speed manual

Output: 306 hp @ 5,800 rpm, 295 lb-ft @ 1,300-5,000 rpm

Curb Weight: 3,660 lb

Fuel Economy (EPA/AW): 20/21.2 mpg

Options: Premium package including universal garage-door opener, digital compass mirror, auto-dimming mirrors and rearview mirror, power front seats, lumbar support, BMW Assist ($3,400); Sport package including 18-inch wheels, performance tires, sport seats, M steering wheel, shadowline trim ($1,100); comfort access system ($500); heated front seats ($500); iPod, USB adapter ($400); moonlight black soft top ($100)


I love this engine. It's one of the sweetest in the car business. The gearbox is fine, too. There's just the slightest bit of cowl shake over rough pavement, just a little bit of steering-column shudder. Mostly the platform is quite solid and speaking of the steering, it's as fine as any in the biz.

The seats are comfortable, and it's an easy car to drive hard or just toodle around town in. Some of the plastics inside aren't up to German snuff though and I was quite surprised, then I saw the sticker price and was appalled. BMW has a lot of guts asking this much, but on the other hand, dealers are probably discounting the hell out of it. BMW's own Web site touts low-interest financing and sweet lease deals, and you know how these things go. The manufacturer's site is only the starting point for the discounts, with more to be had at the actual dealership.


EXECUTIVE EDITOR ROGER HART: There is a lot to love here, from the sweet little turbo motor to the crisp-shifting gearbox and the way the clutch engages at just the right spot in the pedal travel. The brake pedal is perfectly positioned to roll your foot over onto the throttle. All the little details have been paid attention to.

The driving experience is equally engaging--this is a fun-to-drive car that rewards you when you drive it hard. The car's giving you plenty of feedback, and I really didn't have any issues with cowl shake. The top operation is easy and fast, just the way it should be.

My only issue with this car is the price. Frankly, it's staggering for a car this size. I like the car, a lot, but just not at this price.


SENIOR EDITOR FOR NEWS BOB GRITZINGER: I echo Roger's observation on the clutch--there may not be a more perfectly weighted and properly engaging clutch in any other car. The gearbox and engine are excellent as well, perfectly matched for each other and the car. It all works right in tune with the driver.

The 1-series hardtop is hard to beat, but chopping the top off one doesn't help its dynamics. It doesn't hurt as much as similar executions in other cars, but there is some shimmy introduced to the body. And whatever bracing and extra stuff BMW did to overcome the roof surgery is severe--the car is really harsh over bumps and road imperfections, to the point where it hops around on bumps on hard corners. Nothing to worry too much about, given that the car is so well planted it recovers easily, but overall, there's an unsettled feeling to the chassis that isn't there in the hardtop.

As for the price, who says you can't make money selling small cars in America? BMW obviously can.

BMW 335d


Anyone who thinks Americans won't warm up to a diesel car should drive one of these. I mean, 425 lb-ft of torque has a way of turning people's heads in a different direction.

You'd be hard-pressed to find a more fun, more engaging commuter car, all things considered. Sure, you might get better fuel mileage from a Toyota Prius, and the greenies might praise you for driving a Honda Insight, but this 3-series is far more engaging to drive, all the while delivering more than 30 mpg.

My only complaint is that I'll take mine with a six-speed manual, please.

SENIOR WEB REPORTER GREG MIGLIORE: The torque is awesome, pulling you through the seat, impressing unsuspecting passengers and making passing a breeze. Mixed with the caramel interior and smooth chassis, it really makes this car a commuter's dream.

I found it to be more engaging than the E-class diesel that we had here awhile back. Again, that's probably the torque. The heavy steering is enjoyable and makes turning precise. The mpg figures are impressive, and I (and whoever else had this before me) burned through a quarter of a tank in a 133-mile interval. It seems you could save a lot of gasoline and get more function from this than a lot of hybrids.

Still, some American consumers will notice the diesel gurgle. It seemed a little louder than in the Benz in that respect.


SENIOR EDITOR FOR NEWS BOB GRITZINGER: This car is perfect, and not just for the diesel snobs or the BMW snobs or the 3-series snobs or the German-car-loving snobs. This car packs thrust unlike any other 30-mpg vehicle, combined with the spot-on BMW handling and steering that make it a relative bargain at this price (I heard one critic suggest that it was a fine car considering it cost $70,000--not even close to this sticker). I love tromping on the accelerator and feeling the gobs of power punch to the rear wheels, whether you're pulling away from a dead stop or launching from 50 mph to 75 mph.

There's not a ton of room in the back seat, and the lack of a fold-down seatback makes the 3 somewhat limited. But for those who want their performance sedan and 30 mpg regardless of how they drive, I'm not sure there's a better alternative--yet.




2009 BMW 335d

In Fleet: May 7-21

As-Tested Price: $49,920

Drivetrain: 3.0-liter turbocharged diesel I6; RWD, six-speed automatic

Output: 265 hp @ 6,400 rpm, 425 lb-ft @ 1,750-2250 rpm

Curb Weight: 3,825 lb

Fuel Economy: (EPA/AW) 27/31.4 mpg

Options: Sport package including 18-inch wheels with performance tires, sport steering wheel with paddles, sport seats, sport suspension, shadowline trim ($2,150); beige Dakota leather ($1,450); satellite radio with one-year subscription ($595); comfort access system ($500); iPod and usb adapter ($400)

New V8 gives Jaguar XK


Additional ResourcesArticle
500 hp Jaguar XFR debuts at the Detroit auto showBig cats have to purr, so here’s Jaguar making sure its 2010 XK and XF do exactly that.

Under the hood is a new, direct-injection 5.0-liter V8 pumping 385 hp and 380 lb-ft of torque--both numbers up substantially from the outgoing 4.2-liter V8.

Refinement is terrific and power delivery is creamy smooth--it’s easily the equal of the German competition. The exhaust even pops and crackles evocatively on the over run. Compared with the new, hard-core supercharged XKR and XFR, the naturally aspirated V8 cars ride more smoothly, despite being more focused than soft-riding Jags of old.

Sometimes 175 mph just isn't enough. That, at least, is the view of Jaguar North America, which reckons the limited-edition XKR-S sports coupe isn't quick enough for U.S. sports-car buyers.

Knowing that AMG and Porsche specials make a big impact in the United States with sledgehammer power outputs, Jaguar NA probably has its customer radar pretty well tuned. But it means U.S. Jaguar fans will miss out on the sharpest incarnation yet of the handsome XK, created to appeal to the enthusiast leanings of two engineers.

Mike Cross, Jaguar's handling guru, and Russ Varney, XK platform chief, worked out the XKR-S in spare moments as they road-tested the suspension on drives home, directing technicians to make changes during the working day.

"We developed an XK with the chassis we fancied as our everyday driver," says Cross, "a bit more focused than our typical customer would usually want but still comfortable and safe in all road conditions, including the wet."

You notice the changes as soon as the XKR-S purrs away for the first time; the steering has a meatier feel, and the ride is firmer. The headline mechanical changes are the type that might be expected on casual examination: stiffer springs and dampers front and rear, 8 percent quickened steering rack, thicker rear antiroll bar, lighter 20-inch forged alloy wheels and wider rear tires.

The forged wheels cut unsprung weight by 10 percent. The two-stage Bilstein dampers are completely revalved, the ride height dropped slightly and the variable ratio/assist ZF rack quickened by 10 percent. Jaguar also worked with Pirelli to develop bespoke tires for the XKR-S.
The effect is to stiffen the XKR-S's response and sharpen the feedback to the driver--just what enthusiasts expect.

The XKR-S doesn't have more power, but its standard 420-hp, supercharged 4.2-liter V8 is no slouch, and the new chassis makes it easier to exploit more of the performance in corners, because it gives the driver confidence, knowing that those wide rear boots and computer-controlled CATS dampers will take care of mid-corner bumps.

Even at speeds of 70 to 80 mph, Cross says the aerodynamic changes to the XKR-S bring more rear downforce and stability. Lift is reduced by 60 percent up front and 17 percent at the rear, with a 3 percent reduction in drag. The most noticeable visual change is a larger rear spoiler, still subtle, which is a big improvement at autobahn speeds (nearly 150 of the limited 200 run of XKR-Ss have gone to Germany; the other 50 are reserved for Britain).

Our main criticism is that the steering feels a little detached from what the tire contact patches are doing, in a way that a Porsche's doesn't, a comment that Cross is gracious enough not to bristle at.

"We have to work within the constraints of the basic platform, and we have an extremely driveable performance car in all conditions," is the level-headed response.

There's something else significant about the XKR-S. Jaguar is working on a facelifted XK with a new direct-injection 5.0-liter V8, to be launched mid-2009. In supercharged XKR form, this will offer close to 500 hp, and the inside line is that the stiffer XKR-S setup is a preview of this new chassis. With that in mind, customers for next year's XK are in for a special treat.

Jaguar XFR


Jaguar’s elegant XF didn’t have an R-badged derivative at the top of its range. That all changed at the Detroit Auto Show when the British marque took the wraps off a new 503-hp supercharged version of Jag’s comeback-kid four-door sedan. The same engine is also offered in the new XKR coupe, which also debuted at Detroit.

XKR and XFR go on sale in the United States this spring.

Both cats get subtle body enhancements and chassis revisions. The XFR changes are the more dramatic of the two, but you’ve got to look closely to spot the deeper front spoiler and lower stance. The most visible feature on the XKR is a heavier chrome front grille.

Both share a neat feature on the new aluminun wheels—a supercharged script cast into the center boss.

But the real promise of the XFR is to add a big slug of the sledgehammer performance that rivals BMW and Mercedes-Benz, and, dare we say, Bentley manage.

In two much-improved critical measures--0-60 mph in 4.7 seconds and 50-70 mph in 1.9 seconds--the XFR faces off against the BMW M5 and Audi RS6 and even the Bentley Flying Spur.

At the heart of this transformation is a ground-up new, 5.0-liter V8, in the development since 2002. Just two components--the cylinder head bolts and a bracket--are carried over from the 12-year-old 4.2-liter V8.

Developed while Ford still owned Jag, Dearborn engineers helped Jag in the early stages of development when the Blue Oval was working on its latest V6.

Jag describes the new V8 “as its most technologically-advanced petrol engine ever” and since it features a Jag-first direct-injection, who are we to argue?

The new 5.0-liter engine provides two power outputs—379-hp naturally aspirated and 503-hp supercharged. Jaguar is sticking with its trademark Eaton blower, now in its sixth-generation, to take advantage of instantaneous power delivery and a flat torque curve.

There’s more than a hint of a smile from Jag’s engineers as they point out Audi’s recent conversion to supercharging for its high-output V6.

With or without a supercharger, the new V8s generate major improvements in power and torque over the 4.2 V8.

Power of the naturally aspirated unit goes up by 26 percent, moving it upscale and away from competitors’ latest V6s, which make nearly as much power.

The boost given to the supercharged engine, now pumping 460-lb-ft of torque, pushes it close to the limit of the six-speed automatic tranny. Both XFR and XKR are fitted with steering-wheel-mounted paddle shifters.

Jag has another surprise up its sleeve: The old 4.2-liter will stay in production, partly because it is needed in the XJ sedan, but also because its 300 hp output offers a V8 alternative to competitors V6s.

Another change in the U.S. line-up of the XF is that it will continue to offer the luxury S-V8 trim, the best-seller, with the new 503-hp supercharged engine.

Aston Martin DB9 Volante


It's amazing what $200,000 can buy you. Certainly, this is a beautiful car, wonderfully styled and exquisitely detailed. The leather and wood work inside the cabin is second to none. Just getting into the car, your olfactory senses are inundated with the heavy scent of the leather. The two rear seats, however, are a major joke. There's less room back there than in a 911, and a parcel shelf for hauling stuff would be far more useful.

Ergonomically speaking, this car is a few years behind the times. The navigation screen flipping up from the wood panel in the center of the dash is so James Bond-ish, like Goldfinger from the 1960s. The interface with the navigation via a joystick-like knob on the center stack is a bit archaic, considering the solutions for this task other automakers have come up with. AM radio reception, to put it mildly, is terrible, but the FM tuner and satellite receiver worked fine and sounded fine.

The V12 is certainly strong, but the six-speed automatic is a bit of a disappointment. It's smooth and refined, but the shift paddles are a waste. There's no redline on the tachometer, so you don't really know where to shift but then again, you don't need to. The computer shifts for you once you hit a magic number, whatever that is. The dash-mounted buttons controlling the tranny are also a throwback feature.

The convertible top operates easy enough with one-touch operation, although the motor that brings the roof down makes a bit more noise than expected. The top is well insulated and when in place, the cabin is a relatively quiet place.

The ride is far harsher than I would have expected, with the suspension crashing over bumps and holes rather than gliding smoothly over them. There's a bit of chassis wobble, too, something not expected in a car costing more than the average home in America.

There are little touches through that make the interior a delight to be, including the glass ashtray in the center console and the way the big doors are hinged to swing up and out, rather than just out.

The car got a ton of looks with several people noting they'd never seen an Aston before. One woman said she didn't know what it was, but thought it was a Chrysler Sebring (Ouch! Don't tell Ian Callum).

This is a great car to drop the top and enjoy a summer evening cruise. With a comfortable interior, nearly 500 horses underhood and decent sound system, what more could one ask for in his or her $200,000 investment? Other than a deed.


EDITOR WES RAYNAL: For $209,000, I can think of a lot of cars I'd get before one of these. It's true that last night we took a very nice drive in it with the top down as the sun was setting and the temps were cooling off. But I could have pleasantly done that in a Miata.

This car just doesn't feel $200,000 special. Yes, it is gorgeous to look at and I love this paint. The car literally stops people in their tracks.

Parts of the interior are outstanding (love the instruments), but then you've got the cheese-ball navigation screen that looks like an add -on and the P N R D buttons on the dash look and feel cheesy, too.

It's fast, but not blow-me-away fast. Somehow it doesn't feel like 470 hp and doesn't sound like it either. I guess I expected more violent sounds coming from under the hood. This was a little too subdued. I did like the transmission with its quick and crisp shifts.

The chassis was stiff and the ride refined and the steering is precise as hell. Frankly, I thought it would ride harder than it did.

But overall, as I said, the car just doesn't feel that special. For the price of one of these, I can get a Carrera 4 for the winter and a 911 convertible for the summer and pocket $51,000.


2009 Aston Martin DB9 Volante

In Fleet: June 19-29

Base Price: $199,200

As-Tested Price: $208,970

Drivetrain: 5.9-liter V12; RWD, six-speed automatic

Output: 470 hp @ 6,000 rpm, 443 lb-ft @ 5,000 rpm

Curb Weight: 3,968 lb

Fuel Economy (EPA/AW): 14/14.4 mpg

Options: 19-inch, 15-spoke wheels ($1,510); leather color contemporary ($750); hood color contemporary ($750); exterior paint contemporary ($750); walnut veneer door cappings ($750); carpet color ($450); optional front grille ($450); perforated leather seat insert ($295); color keyed steering wheel ($295); high-spec alarm ($295); smokers kit ($220); contrast stitching ($220); contrast-color carpet binding ($220)

GMC Sierra Hybrid


When you need an all-around vehicle to haul a mountain of gear--and you hope to be able to do that hauling and driving without needing your own oil well and refinery to support it--the Sierra Hybrid is a strong option.

I observed close-to-the-rated fuel economy in about 500 miles of driving, involving a variety of duties and driving conditions. While much of my hauling came around town, carrying baseball gear and a big grill for the annual local end-of-season youth baseball tournament and picnic, I also needed a fuel-efficient vehicle capable of easily loading and carrying my kayaks and gear for a day on a northern Michigan river.

The truck drives smooth and powerfully on the highway, with plenty of electric-motor boost to get up to speed on the freeway entrance ramp, or for quick passing on those two-lane rural highways. Where the powertrain remains a little off is at low speeds, where it was seems somewhat herky-jerky, especially when cold. Reverse can be similarly unusual. At the same time, the regenerative brakes are some of the touchiest in the business, providing instant-on stopping with the lightest touch of the pedal. Not that strong brakes are bad, it just takes some getting used to.

Overall, I'm not sure the hybrid's savings at the pump are worth the extra green up front. But if you want to be green and haul all your toys, you might find the premium price acceptable.


2009 GMC Sierra Hybrid

In Fleet: June 23-30

Base Price: $48,650

As-Tested Price: $48,650

Drivetrain: 6.0-liter V8; 4WD, electronically variable transmission with four fixed gears

Output: 332 hp @ 5,100 rpm, 367 lb-ft @ 4,100 rpm

Curb Weight: 5,882 lb

Fuel Economy (EPA/AW): 20/18.9 mpg

2552-11-07

2010 Ferrari 458 Italia: Taming Maranello's most-powerful production V8 ever


Toyota's announcement on Wednesday that the recession had forced it to withdraw from Formula One included the statement that the company “intends to move forward in developing exciting production vehicles, such as the Lexus LFA supercar.”

How ironic.

An hour after Toyota dropped its F1 bomb, Ferrari--the sport's longest-serving and most famous competitor--spent the day flaunting its racing heritage by throwing us the keys to its newest and most advanced road car, the 458 Italia.

Maranello's latest creation boasts more F1 cues and connections than any road-going Ferrari produced, and those connections are evident the moment you pop the latch to the driver's door and climb inside. And we're not talking about the little badge commemorating the 2008 F1 constructors' championship.

If you have seen pictures of the 458's interior, you might have wondered when--and more to the point, why--Ferrari hired Honda's design team. Certainly, the minimalist dashboard is a marked departure from an elegant, analog past. Wrapped in hand-stitched leather, it features an instrument cluster flanked by two air vents that resemble miniature home-entertainment speakers, or perhaps Darth Vader's air inlet. A large tachometer positioned dead ahead is the only three-dimensional gauge; at first glance the entire concept seems ill-conceived and downright gimmicky. That perception grows when you open the door and see a digital screen to the left of the tach displaying “458 Italia,” while another to the right lights up with “Ferrari.” Ahhh yes, the Italian GT-R, then.

But turn the key and push the start button on the switch-laden steering wheel (more on that later). The all-new 4.5-liter V8 bangs to life with a deep boom as the info screens offer an encyclopedia of data at the push of a button (or three). Maybe this makes sense.

The direct-injection engine idles smooth and quiet at 800 rpm, but you are a long, long way from the 9,000-rpm rev limiter. Click the upshift paddle into first gear and step on the throttle. The 458 rocks you back into the seat as the tach slams to the redline before you realize it is time to shift again. And again. And again.

Ferrari would not allow instrumented testing this time around, but its claim of 0 to 62 mph in less than 3.4 seconds does not appear inflated. Neither does its almost unbelievable suggestion that this seven-speed, dual-clutch gearbox (seen first on the California) needs just 0.04 second to swap ratios that are specific to this car. In reality, the time required is only what it takes for the computer to tell the transmission to engage the next gear, since the dual-clutch layout means that the gear is preselected and ready to transfer drive power. Of which there is plenty. A picture of Video displays flank both sides of the central tachometer in the gauge cluster. Video displays flank both sides of the central tachometer in the gauge cluster.

The Italia--so named because company boss Luca di Montezemolo said so--is the most powerful and highest-revving V8-powered production car in company history, with 562 hp (a mind-numbing, normally aspirated record of 125 hp per liter) at 9,000 rpm and 398 lb-ft of torque (89 per liter) at 6,000 rpm, with more than 80 percent of that torque available from 3,250 rpm. Engineers worked to reduce the 90-degree, dry-sump V8's internal friction (12.5:1 compression ratio) and used techniques learned in F1, such as the use of a “diamondlike carbon” valve tappet coating to do so, as well as applying antifriction treatments to the piston skirts and camshafts, while also reducing the piston-ring thickness.

The exhaust note is typical Ferrari magic, taking on a race-car-like pitch past 4,000 rpm and simply growing louder as the revs climb. Power and torque come on immediately, and there is no sense of falloff all the way to redline. The biggest challenge in managing it all is timing your shifts properly so that the engine does not bounce off the rev limiter, since the V8 makes its maximum power right at rev limit. But the gearbox's speed and precision, along with the accompanying crackles, pops and rev-matching blips for downshifts, make this the first time this writer has felt even a twinge of belief that such paddle-shifted transmissions are as entertaining as their stick-and-clutch counterparts. The bad news for buyers: Ferrari will not offer any other gearbox when the car goes in sale in the Unites States next June, so there is no choice regardless of personal preference.

On twisting streets and mountain roads, the 458 Italia defines “point and squirt.” Or more like “point and blast.” If the new-age instruments seem video game-like, that's appropriate because at times, the entire car feels like a virtual machine ported into the real world. The wheelbase is 1.9 inches longer than the outgoing F430's, for increased stability, and the chassis slices into bends with a nice, neutral balance before the front end gives up when pushed too far. Carbon-ceramic brakes are as strong as any on the planet, and even better, the brake pedal is set up like a race car's: rock solid with little travel, never imparting any sense of fade. Steering is well-weighted with no perceptible dead zone. This combination allows you to brake hard into corners with confidence, turn in and go. It helps that the magnetically controlled suspension--a Delphi-sourced technology also used by General Motors, notably on the Chevrolet Corvette--exhibits as little dive, roll and squat as you could reasonably, or even unreasonably, expect. And if you don't like the car's behavior, the “Manettino” is at your fingertips.

The little red switch on the bottom right of the steering wheel controls the car's dynamic mode, with five different options: Low Grip, Sport, Race, CT (traction control) Off, and CST (traction and stability control) Off. Depending on which dynamic mode you select, the settings for traction control, stability control, ABS, shift logic, suspension and the E-Differential are affected. A picture of The 4.5-liter V8 in the Ferrari 458 Italia is the most powerful V8 ever in a Ferrari production car. The 4.5-liter V8 in the Ferrari 458 Italia is the most powerful V8 ever in a Ferrari production car.

The diff and traction control settings intrigue the most, and again you appreciate the F1 inspiration. The E-Diff's mission is to vary its lockup and distribute torque to the rear wheels throughout the three phases of cornering, and it works. In Race mode, you push the car to its traction limit without ever feeling as though you are near it. The beauty of Ferrari's systems, unlike most others, is that they feel almost entirely unobtrusive on the street and are generally unobtrusive on the track. Powering through mountain curves, the traction control light flickers constantly to let you know it is working, yet you do not feel it doing so. There are none of the abrupt power cuts that blight most such systems; instead, you come out of corners starting to believe you could hang with Michael Schumacher. You feel so to a slightly lesser degree on the racetrack.

Given a few laps of Ferrari's Fiorano test track, the power goes away while attempting to apply throttle too soon. But switch the Manettino to TC Off, and the computer allows you relatively large slides before the stability control reins you back in line, literally.

Other F1-inspired technology includes thousands of hours of wind-tunnel time that drop the drag coefficient from 0.34 to 0.33 (compared with the outgoing F430). The car's various ducts and bodywork--note the absence of gaudy wings--produce 724 pounds of downforce at the 202-mph top speed, more downforce than the Enzo supercar sans its wing, according to Ferrari. Aluminum alloy used in the aeronautics field increase the chassis' stiffness significantly. Launch control is included too, though “control” is a bit deceiving. Push the “Launch” button, hold the brake and stomp the gas. Revs climb to 3,000 before you release the brake and go. However, at that point, your right foot controls everything, and mashing it to the floor smokes the tires until the engine hits the limiter; you still need to have some skill to achieve ultimate acceleration times.

Still, all of this adds up to an Exocet missile almost anyone can drive, and drive hard. Even with the transmission set to automatic in the comfort-oriented Sport mode, the gearbox rips downshifts with aplomb. Leave it in automatic (heresy, yes) and switch to Race or higher, and though you might find it hard to swallow, the 458 Italia is damn fun to drive. The transmission grabs gears hard and fast, up and down, and keeps the engine smack in its power band at all times; it feels no different compared with shifting yourself, except for the feel of the paddles on your finger tips. As you soon find yourself fiddling with the various data displays, checking various pressures and temperatures, while also operating the turn signals and window wipers direct from the steering wheel, a thought occurs: This must be what it's like to drive an F1 car.

It's not. Far from it. But Ferrari has created a high-performance experience that does not feel at all contrived. With performance to match, the 458 Italia has set a new target for future mid-engine, V8-powered exotics.

2010 Ferrari 458 Italia

PRICE: $220,000 (est)

DRIVETRAIN: 4.5-liter V8; RWD, seven-speed dual-clutch sequential manual

OUTPUT: 562 hp @ 9,000 rpm, 398 lb-ft @ 6,000 rpm

0-62 MPH: 3.4 sec. (mfr)

CURB WEIGHT: 3,300 lb

FUEL ECONOMY: 17.7 mpg (est based on European model)

2552-11-06

7 Rules to build Killer iPhone Apps

Bet you never thought the iPhone would grow so alarmingly popular. But it has, and we cannot simply ignore it or the millions of applications that float in the Apple App Store.

From funny to unique, unique to unusual and bizarre, diverse kinds of applications rule the App Store. Hundreds of more such are launched everyday. With the App Store growing bigger and bigger everyday, the lifetime of an ordinary app denigrates to less than a week. Making a breakthrough iPhone app is indeed a challenge all iPhone application developers face.

To launch a top-selling iPhone app is no easy job and requires a lot of racking your brain. Though there is no exact science to build a killer iPhone app, you can launch a near-perfect top seller if you follow these 7 rules of the thumb:

1. Innovate. Try something novel. Does your iPhone app have the “wow” factor? Is it innovative, out of the ordinary? Is it the only one in its kind? If yes, your app will definitely get due recognition in the App Store.

2. Make it usable: Your apps can be extraordinarily creative and startlingly new. But users are going to keep it idle if it is not usable. Build an app which has utility value. Fancy apps are good, but they don't get you anywhere. A usability specialist says that one should follow Apple's sterling virtue of “intuitive and consistent usability” while building apps for the iPhone.

3. Keep it Simple: Keeping it simple is a golden rule in mobile application development. No one wants an app that confuses or complicates things for them. The more difficult you make your app for usage, the less recognition it is going to receive from users.

4. Pricing: Anything sells if given for free in the Internet world. This does not mean you need to give your killer app for free. You can price it anywhere between $0.99 to $20. But, act prudently. Your app will get more exposure when given for free than when launched with a price tag. Maybe you can try different strategies. You can give your beta version for free and put a price on newer versions.

5. Provide Support: Be responsive to how your app performs in the store. If users are having difficulty in handling some feature, try to change it or post guides on how to handle your app.

6. Upgrades: Anything left idle grows stale. Never leave your app in beta. Keep upgrading new features. Listen to your users and add as many new features as possible. People who failed notice your app during its launch may notice its upgraded version and start using it.

7. Marketing is must: Yes, without doubt, this is important in killer-app making. You cannot create a killer app if you fail to market it. The more your app is marketed, the more it gets noticed by users. Instead of aggressive marketing, engage in useful, result-oriented marketing. You'll definitely hit the road to success.

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10 reasons for developing web applications with PHP


If you are a budding web developer or are looking to learn a web programming language then you really should consider learning php. In this article I'll present 10 good reasons why PHP should be one of the modern web programming languages on your professional development short-list.

1: Free, experienced support from a 1000 php communities:
Actually, there are probably many more than 1000 communities that can provide you with php help. There are literally hundreds of dedicated php web development forums and hundreds more that have php sub-forums. Help for the php beginner is literally a forum post away. Generally speaking you'll find an answer to your problem in a very short time. Getting help from more experienced php coders is a great pleasure because it can remove a lot of the uncertainty accompanying learning something new.

2: The cost of an open source application is nothing:
Unlike other propriety coding languages (notably Microsoft's aspx language) you don't pay a cent to get started with php programming. In fact you don't need to obtain or download any php software to begin. Simply use an open source editing tool and start coding. Upload your code to a cheap hosting account and you are away. You can readily obtain open source editors from a variety of sources. A search on Google for “php editors” returns hundreds of possibilities. As you progress you can download packages such as LAMP or WAMP so you can see php in action in a live server environment.

3: Open source has better security – because everyone knows what is in it:
Again, unlike propriety web serving systems, everyone can see what php is made of. Some people will argue that this makes php less secure because everyone knows what php specific exploits exist. My view is that the open nature of php literally “forces” the php developers and community to keep abreast of security issues and to respond to them as soon as possible. Be aware however that it is easy to make simple security mistakes with php – and all languages suffer from this characteristic – you just need to do your research to keep your web applications secure.

4: Hundreds of existing php code examples:
In addition to forums that provide advice and experience for free you'll also find hundreds of examples that will help you get started and move ahead as a PHP Programmer. From simple code to connect to a database, more complex examples that allow you to grab data from an external website or a full-blown example of AJAX and php integration it is all there for you to study, take apart and build upon.

5: Scores of existing code frameworks:
Frameworks are a relatively recent development and they can save you heaps of time and heaps of heartache. Simply, frameworks are like pre-fabricated houses. A team of developers have combined their efforts to solve the problem of repetitive programming tasks. Frameworks allow you to get up and running with both simple and complicated web applications in a matter of hours. There are scores of php frameworks for a wide variety of tasks. Again a simple search on Google will provide you with a large array of frameworks to choose from and explore.

6: Interoperability with web 2.0 applications:
Modern web 2.0 applications are largely characterized by mashups and desktop style user interfaces. php is an excellent choice for interacting with other websites and providing rich user experience. Simple php commands like curl or fopen allow you to grab data from other websites with relative ease. Php works well with javascript so you can provide your end users with modern, responsive interfaces that are way beyond the old static interfaces of days past.

7: Many content management systems use php:
If you decide that you want to be a website designer or programmer then php is an excellent choice. Many of the modern content management systems (CMS) use php. Wordpress, Drupal, Joomla – these very popular CMS packages all use php. Each CMS usually has a vibrant php developer community. And if you become expert in one or more php-based CMS then you stand a very good chance of finding ongoing work customizing CMS packages for clients or website providers.

8: php is scalable to the largest web applications:
Some of the most frequented and popular websites on the planet use php. php will scale up to meet the most exacting requirements for websites such as joomla.org and wordpress.com. These websites provide 24X7 availability for thousands of concurrent users without skipping a beat. If you have the next facebook or myspace application in mind then php is definitely a development language worth considering.

9: Most web hosting companies support PHP:
Most of the website hosting providers will support php. It is a standard component of most Linux based hosting accounts. Remember we talked about LAMP and WAMP earlier? Well the 'P' stands for php. If you want your applications to run on Linux-based (and some Windows-based) web hosting platforms then php is an obvious choice.

10: Coding with php is fun!
Hopefully by now I have convinced you that php is a web development language that at the very least is worth serious consideration. And while you consider seriously the option of developing with php I'd like to leave you with this last thought: Coding with php is fun. I have spent countless hours writing simple php applications, customizing php-based CMS packages and generally mucking abut with php. And generally speaking (not counting the odd pulling out of my hair every now and then) every hour with php has been more than worth the effort and extremely rewarding.

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