GAP insurance is a program is offered by some insurance companies. This optional insurance coverage is limited to new cars. Essentially it protects the vehicle owner from losing money in the event of a total loss or vehicle theft. This GAP insurance will cover the difference between what is owed on the car and what the car is worth in the event of a total or theft. This insurance can be a good option for those with bad luck!

Shopping around for auto insurance is always a smart move. Car insurances discounts abound, and insurance companies are free to determine what discounts they would like to offer at any given time. This gives them the ability to balance out their customer base with the proper mix of customers. These customers can rage from those that may need DUI insurance and may have received a suspended license to “perfect drivers” that have never had a car accident or auto insurance claim. Comparing car insurance rates can also be addictive. Once one knows that they can save HUNDREDS of dollars per year then they are sometimes more inclined to gather some free quotes online when it comes time for the next renewal.

6 Month Policy or 12 Month Insurance Policy?
Some insurance companies offer 6 month policies while others may only offer 1 year policies.
Advantages of 6 month insurance policy:

• Since the policy is technically half the life of a one year policy, the cost should be much less than a 12 month policy. This can enable the purchaser to pay off the entire amount up front, thus eliminating any potential monthly installment fees.
• Additional opportunities to shop around again. Since the policy only lasts 6 months, the insured will have the opportunity to shop for lower car insurance rate more frequently.

Advantages of a 1 year auto insurance policy:

• Car insurance premium is locked in for an entire year. If the policy holder or any other drivers on the policy receives a traffic ticket or traffic violation of any sort then the insurance rates should not go up mid term. Drivers that receive tickets often can benefit from 1 year policies.
• No need to shop around as often. This can actually be detrimental since it allows policy holder to become complacent and it may result in paying more for insurance if the person does not shop around when it comes time for the insurance renewal.

Driving without insurance in California
In short, don’t even think about it.

1. The vehicle can be towed. Towing fees and storage fees are extremely expensive. Expect to spend a minimum of 300 bucks to get the car or truck out. Some tow yards even charge for “storage” by the hour.
2. Traffic Ticket cost can range between $100 and $500 dollars. Repeat offenders can rack up higher costs. Good for them!
3. The DMV can cancel your vehicle registration. Here is the info straight from the CA DMV website:
   

   Vehicle registrations are subject to suspension (CVC §4000.38) when:
   * DMV is notified that a policy has been cancelled and a replacement policy has not been submitted within 45 days.
   * Insurance information is not submitted to DMV within 30 days of the issuance of a registration card upon initial registration or transfer of ownership.
   * The registration is obtained by providing false evidence of insurance.

4. Driver’s license can be suspended. Insurance rates go up for drivers that receive suspended licenses.

Insurance quotes are always free, and they are typically instant. The car does not need to be in the quoter’s possession at the time of the quote so some research can be done to see what the difference in insurance premium cost will be with different cars. The car trim level is usually taken in to consideration, so the top of the line model could cost slightly more to insure than a base model vehicle.

* allstate quick estimate

Insurance Coverage Quote Details:

• $500 Deductible
• Bodily Injury and Property Damage $100,000 / person
  300,000 / accident
  100,000 / property $100,000 / person
  300,000 / accident
  50,000 / property
• Uninsured / Underinsured Motorist $100,000 / person
  300,000 / accident $100,000 / person
  300,000 / accident
• Uninsured Motorist Property Damage $3,500 property
  (with $0 deductible) $3,500 property
  (with $0 deductible)
• Medical Payments: No coverage
• Comprehensive: $500 deductible
• Collision: $500 deductible
• Rental: No coverage
• Roadside Assistance: No coverage

Car insurance rates are computed based on many variables. These quotes are based on:

• male, 35 years old
• no accidents or tickets for the past 5 years:auto insurance quotes used to be based on the past 3 years of accident history however to date most car insurance providers are basing their premiums on the last 5 years of each driver’s history
• basic coverage chosen was 250/500/100
• 15/30 uninsured motorist
• 1000 deductible on collision and comprehensive
• no medical payments, towing, or rental
• 8000 miles of annual usage (pleasure, not business or commute)

The best insurance website was allstate since they showed the change in premium in the drop down boxes when making changes:

Too bad their insurance premiums were too high by comparison. Their website made it easy to see how changes in your policy affect the insurance premium cost.

CLK55 Warranty
There is a variety of companies that offer used car warranties. Authorized warranty sellers (such as used car dealers) are typically able to offer a warranty that covers either the power train or full bumper to bumper protection. The CLK55 AMG was not eligible for a third party pre owned car warranty at this time. Mercedes Benz does offer an extended warranty for their certified pre owned vehicles.

If fuel economy is of any concern to you then forget about this GC. Many people have reported as low as 11mpg city and a measly 15 miles per gallon on the highway. You gotta pay to play-this is Dodge Viper city MPG territory but at least the Viper still gets up to 22mpg on the freeway. Expect repeated trips to the gas station if you have a lead foot.

A fully loaded 2009 Jeep Grand Cherokee includes all the features you would expect when paying about 44k for a new vehicle including DVD Navigation and HID headlights (with the proper package selected). Current purchase incentives include the cash for clunkers used car trade in program, the sales tax credit for new cars purchased in 2009, $500 cash bonus allowance, and an amazing 0.0 % financing for up to 72 months!

Car insurance rates were based on a 33 year old male in SF California with no accidents, tickets, or auto insurance claims for 3 years and no DUI or DWI in the past 10 years. No driver license suspensions or revocations within the last 3 years. The jeep will be used for commuting about 30 miles per day.

No auto insurance discounts were included in these quotes. Collision and Comprehensive insurance coverage deductibles were raised to $1,000 to reduce insurance premium costs. Rental car reimbursement was also declined along with loan lease payoff coverage. The liability coverage requested was $500,000 combined single limit.

2010 mustang gt

these car insurance quotes were based on the following:

• 27 year old unmarried male born in 1982, licensed in california at 16
• car is financed for 60 months (5 years)
• clean motor vehicle record (no at fault accidents, tickets, or suspensions within the past 10 yrs)
• ford mustang is located in la, california, 90005 and parked in the street
• 1 yr with current car insurance co
• car used for driving to work 5 days a week, 40 miles round trip
• est miles driven anually: 12,000
• 100/300/50 coverage: 100,000/300,000 bodily injury insurance limit and 50,000 property damage insurance limit
• 500 dollar deductible for collision and comprehensive coverages
• 100,000/300,000 uninsured/underinsured motorist insurance
• coverages waived: medical payments, rental car, roadside assistance unless included
• no auto insurance discount included

both of these cars easily run mid to low 13 second quarter miles so bring a helmet if you plan to take it to the drag strip.

bmw e39 m5 specs

bmw e46 m3 specs

these two supercars also carried super price tags when sold brand new however the used car market allows many people to enjoy these german musclecars at a fraction of their new price. there are several factors to weigh when considering the purchase of either the m3 or m5.

• car maintenance: german car maintenance is more expensive than japanese car maintenance. this is generally true and these two bimmers are no exception. replacement parts for the bwm m5 will be more expensive than the bmw m3. for example brake rotors: powerslot front brake rotors for a 2003 m3 are only about $112 bucks each from tirerack.com ($103 for rear rotors) and the same powerslot front rotors for a 2002 bmw m5 cost about $130 dollars each (only $65 each for rear rotors) from brakeperformance.com.
• used car warranty: a used car warranty can be sold by dealers and independent car brokers. a good warranty can be invaluable in the event of a major breakdown. an aftermarket warranty can cost anywhere from 1000 to over 4000 dollars depending on the type of coverage (power train: engine, transmission and drive train only) or bumper to bumper (full coverage) and the length of coverage (from months to years).
• premium gas: these luxury sport high performance vehicles need premium gasoline. constant use of low quality gas can lead to pinging (potential engine damage) and lost performance.
• resale value: most german cars don’t hold value as well as japanese cars. the bmw m series is a great value as a used car right now and it will probably hold it’s value better than non m bmws.
• car insurance: last but certainly not least check how much it will cost to insure one of these monsters. liberty mutual auto insurance rates for a 2003 m3 was $497 per year. the liberty mutual car insurance quote for a 2001 bmw m5 was $478 per year.*

*car insurance rates based on a 33 year old driver with a clean driving history and the vehicle garaged in san jose, california. annual reported miles driven was 7500 (pleasure). liability insurance coverage was low: $50000/$100000 bodily injury, $50000 property damage, $15000/$30000 uninsured motorist insurance. comprehensive insurance carried a deductible of $1000. collision insurance was not included. 20% multi car discount was also included in this car insurance quote.

wrx insurance

these online auto insurance quotes were based on the following:

• thirty two y.o. unmarried male, licensed in california at 18
• employee of a public high tech corporation (programming), with a 4 yr degree
• clean motor vehicle record (no at fault accidents, tickets, or suspensions within the past 10 yrs)
• subaru wrx is located in sf, california, 94118
• 1 yr with current car insurance co
• car used for driving to work 5 days a week, 30 miles round trip
• est miles driven anually: 12,000
• 100/300/50 coverage: 100,000/300,000 bodily injury insurance limit and 50,000 property damage insurance limit
• 500 dollar deductible for collision and comprehensive coverages
• coverages waived: uninsured/underinsured motorist, medi payments, rental car, roadside assistance unless included
• no auto insurance discount included except programmer if applicable

rsx type s insurance

the hartford insurance didn’t want me again

these online auto insurance quotes were based on the following inputs:

• thirty-two year old single male, licensed at 18 years of age
• employed full time at a corporation (technology, programming), with a college degree
• clean driving record (zero accidents, moving violations/traffic tickets, or driver license suspensions within the past 10 yrs)
• 2006 acura located in sf, california, 94118
• one year with current car insurance company
• vehicle used for commuting 30 miles round trip
• estimated annual miles driven: 12,000
• 100/300/50 coverage: 100,000/300,000 bi limit and 50,000 property damage limit
• five hundred dollar deductible for comprehensive and collision coverages
• coverages declined: uninsured/underinsured motorist, med payments, rental car, roadside assistance unless included
• no auto insurance discount included except computer programmer if offered

mini cooper s insurance

the hartford insurance didn’t want me

these car insurance quotes were based on the following variables:

• thirty-two years old single male, licensed since 18
• employed full time at a corporation (tech, software engineering), with a bachelor degree
• clean driver’s record (no accidents, moving violations/traffic tickets, or driver license suspensions in the past 10 years)
• vehicle located in san francisco, ca, 94118
• 1 year with current auto insurance provider
• vehidle used for commuting 15 miles each way to and from work
• reported annual miles driven: 12,000
• 100/300/50 coverage: 100,000/300,000 bodily injury limit and 50,000 property damage limit
• $500 deductible for comprehensive coverage
• coverages declined: uninsured/underinsured motorist, medical payments, rental reimbursement, roadside assistance unless included at no cost
• no car insurance discount included except computer professional if offered

370z auto insurance

these auto insurance quotes were based on the following factors:

• 32 year old single male, ca driver license issued at 18
• employed at a publicly held corporation (high-tech, software engineering), with a 4 year degree
• clean driving history (no accidents, no moving violations/traffic tickets, no drivers license suspension in the past ten years)
• 2009 370z located in san francisco, ca, 94118
• one year with current auto insurance provider
• car used for commuting 15 miles each way to work
• annual usage: 12,000 miles
• 100/300/50 coverage: 100,000/300,000 bodily injury limit and 50,000 property damage limit
• $500 deductible for comprehensive coverage
• coverages declined: uninsured/underinsured motorist, medical payments, rental reimbursement, roadside assistance unless included at no cost
• no car insurance discount included except computer professional if offered

2005 g35 insurance

these auto insurance quotes were based on the following factors:

• 32 year old single male, cadl licensed since 18
• employed full time for a corporation (high-technology, software engineering), with a bachelor degree
• clean driver’s record (no accidents, moving violations/traffic tickets, or driver license suspensions in the past 10 years)
• vehicle located in san francisco, ca, 94118
• 1 year with current auto insurance provider
• vehidle used for commuting 15 miles each way to and from work
• reported annual miles driven: 12,000
• 100/300/50 coverage: 100,000/300,000 bodily injury limit and 50,000 property damage limit
• $500 deductible for comprehensive coverage
• coverages declined: uninsured/underinsured motorist, medical payments, rental reimbursement, roadside assistance unless included at no cost
• no car insurance discount included except computer professional if offered

2007 prius insurance

these auto insurance quotes were based on the following factors:

• 32 year old single male, licensed since 18
• employed full time at a corporation (technology sector, computer engineering), with a bachelor’s degree
• clean driving record (no accidents, traffic tickets, or suspensions in the past 7 years)
• vehicle located in san francisco, california, 94118
• 1 year with current car insurance company
• car is used for commuting to and from work, 15 miles each way
• estimated annual mileage: 12,000
• 100/300/50 coverage: 100,000/300,000 bodily injury limit and 50,000 property damage limit
• $500 deductible for comprehensive coverage
• coverages declined: uninsured/underinsured motorist, medical payments, rental reimbursement, roadside assistance unless included at no additional cost
• no other auto insurance discounts included except computer professional if offered

2006 honda civic insurance

these auto insurance quotes were based on the following factors:

• 32 year old single male, california licensed since 18
• employed at a corporation (technology, computer engineering), with a bachelors degree
• clean driving record (no accidents, moving violations, or license suspensions in the past 10 years)
• vehicle located in sf, ca, 94118
• 1 year with current car ins co
• car is used to commute, 15 miles each way
• est annual mileage: 12,000
• 100/300/50 coverage: 100,000/300,000 bi limit and 50,000 prop damage limit
• $500 deductible for comp coverage
• coverages declined: uninsured motorist, medi payments, rental car coverage, roadside assistance unless included for free
• no other car insurance discounts included except computer professional

2007 toyota camry insurance

these auto insurance quotes were based on the following factors:

• 32 year old single male, licensed since 18
• employed full time at a corporation (technology sector, computer engineering), with a bachelor’s degree
• clean driving record (no accidents, traffic tickets, or suspensions in the past 7 years)
• vehicle located in san francisco, california, 94118
• 1 year with current car insurance company
• car is used for commuting to and from work, 15 miles each way
• estimated annual mileage: 12,000
• 100/300/50 coverage: 100,000/300,000 bodily injury limit and 50,000 property damage limit
• $500 deductible for comprehensive coverage
• coverages declined: uninsured/underinsured motorist, medical payments, rental reimbursement, roadside assistance unless included at no additional cost
• no other auto insurance discounts included except computer professional if offered