2011 Brabus 800 Coupe

Creating the world’s fastest coupe is quite a tall order. But if there’s anyone who is capable of doing just that, it is Brabus, one of the world’s leading tuners of Mercedes Benz cars. And guess what, they were able to accomplish this goal.

The 2011 Brabus 800 Coupe, which made its debut at the 2011 Dubai International Motor Show, is currently the world’s fastest 4 seat coupe. And how it was made it happen is a work of art, to say the least.

Modified Design

The base used for this car is the 2011 Mercedes Benz CL 600 coupe, one of the best in the luxury sports coupe market. And then Brabus modified it to turn it into the world’s fastest coupe. First, the exterior was equipped with a subtle yet efficient aerodynamic body kit.

Each part is tested in a wind tunnel in order to create maximum down force necessary for stability during extreme speeds. Additional equipment for this car includes a 21 inch Brabus Monoblock Wheels and 15+ inch disc brakes on all 4 corners. The interior is still high class, with an interior wrapped in leather and Alcantara. Carbon fiber trim endows the interior a sporty feel.

Performance

As for the engine, they turned the CL 600’s 5.5 liter V12 into a monster. Increasing displacement into 6.3 liters, thanks to a custom made crankshaft that features larger bore, stroke and pistons, they added modified twin turbochargers into the mix.

These 2 and other modifications pushed power to 800 horsepower and over 1000 lb-ft of torque, enough to catapult this car supercar-level acceleration numbers and a top speed of 350 kilometers per hour.

Brabus has accomplished what it sought for. The 2011 Brabus 800 Coupe is the world’s fastest 4 seat coupe.

Specifications

General Info

Vehicle Type: Coupe

Base Price: NA

Dimensions

Length: 199.4 in. (506.5 cm)	Wheel Base: 116.3 in. (295.5 cm)
Height: 55.9 in. (141.9 cm)	Width: 73.7 in. (187 cm)

Performance

Engine: Aluminum V12 SOHC	Displacement: 6293 cc
Horsepower: 788 HP	Max RPM: 5500 RPM
Torque: 1047 lb-ft @ 2100 rpm	Transmission: 5-Speed Automatic
0-60 mph: 3.9 seconds	Maximum Speed: 217 mph (350 km/h)

2011 BRABUS 800 Coupe based on the Mercedes CL 600

Brabus has used the floor of the 2011 Dubai International Motor Show to unveil the world’s fastest and most powerful luxury coupe; the Brabus 800 Coupe based on the new Mercedes CL 600.

Based on its name, for sure you already had an idea on how much power the new Brabus 800 Coupe makes. It only makes an astonishingly 800 hp of power and peak torque of 1,047 lb-ft (electronically limited to 811 lb-ft). So how do they do it?

Brabus specialists have reengineered the 12-cylinder engine of the CL 600, with the help of a special BRABUS crankshaft with longer stroke, larger cylinder bore and correspondingly larger forged pistons they were able to increase the displacement from 5.5 to 6.3 liters. Brabus also added up four special camshafts and fine-machined the two cylinder heads for optimized mixture flow.

Furthermore, the standard twin-turbo system is replaced with Brabus high-end turbocharging system which features two custom exhaust manifolds with integrated turbine housings and high-performance turbochargers as well as four water-to-air intercoolers. The combustion air is supplied by a carbon-fiber ram-air intake integrated into the hood.

The CL 600 also got a remapped engine system, a stainless-steel high-performance exhaust system with free-flow metal catalysts and high-tech ARAL lubricants for the entire powertrain.

Mated to a 5-speed automatic transmission with Brabus high-performance limited-slip differential with 40 percent locking rate, the new Brabus 800 Coupe can sprints from 0-62 mph in just 3.9 seconds making it the world’s fastest four-seat luxury coupe. It reaches 124 mph in 10.3 seconds with top speed electronically limited to 217 mph.

Complementing its great performance the Brabus 800 Coupe also features exclusive sporty-elegant design and its high-class interior.

For the aerodynamic-enhancement components, it gets a new front spoiler attached to the production bumper which reduces lift on the front axle thus improving stability at high speed. It also get a rear spoiler on the trunk lid and a rear fascia insert.

The Brabus 800 Coupe rides on a set of Brabus Monoblock 21-inch wheels available in Monoblock VI, E or F designs wrapped in Continental, Pirelli or Yokohama tires with size 265/30 ZR 21 in front and size 295/25 ZR 21 on the rear axle. These wheels are coupled with Brabus sports spring that lowers the ride height by up to 25 mm. While providing the car with great stopping power to counter its great performance is Brabus high-performance brake system version IV.

Last for the interior, Brabus 800 Coupe received a high-class upgrade to match the car’s diamond-white metallic paint finish. The interior upholstery features a combination of white leather and black Alcantara, each with contrasting seams and diamond-pattern topstitching. Carbon-fiber elements in the cockpit add a markedly sporty touch. It also features ergonomically shaped sport steering wheel, scuff plates with backlit BRABUS logo, and aluminum pedals, foot rest and shifter.

The BRABUS 800 Coupe is available as a complete vehicle or can be built based on any current Mercedes CL 600 model.

More pictures:

Video Brabus CL 800 Coupe - Dubai Motorshow 2011

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2011 Renault Megane Monaco GP Limited Edition

New 2011 Renault Megane Monaco GP Limited Edition price list starts at 27,650 EUR for the base, dCi 110 FAP EDC powered model and goes up to 28,900 EUR for the top of the line, dCi 160 FAP powered model. In the middle sits the 2011 Renault Megane Monaco GP dCi 130 FAP with an output of 130 hp, which is priced from 27,300 EUR.

For price list 2011 Renault Megane Monaco GP starts at 32,950 EUR. For this much money you get a 2.0-liter 16V engine that offers a 195 hp CO2 emissions level, and for 2011 Renault Megane Monaco GP special edition include a Bose sound system, priced at 600 EUR, 19 inch rims for 900 EUR, the Cup chassis option for 1400 EUR and LED daytime running lights for 250 EUR.

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Four Things You Should Know About Auto Insurance

Frustrated about the cost of auto insurance? One of the great travesties about owning a car is that you are typically required to carry some kind of insurance. Even if your car just sits in a garage in another state and remains un-driven, there are circumstances where you will need to carry insurance coverage. Here are four things that every driver should know about their auto insurance to keep their policy bills as low as possible; in some cases taking the insurance coverage off altogether.

• Registered Means Insured in Most States

When you have your car registered with the DMV in your state, when you have license plates and you have the registration certificate in the glove box, this fact generally requires you to carry some kind of insurance. There are some instances where you do not need auto insurance; there are some states where you can drive your car without coverage. But you should check with your state so you know what you need and what you don't before you buy a policy.

• Paid Off vs. Auto Financing

Another thing about auto insurance which many drivers are not fully aware of is that when you have an auto financing loan you generally have to have insurance to cover that loan. Even if you're not driving the car; insurance is generally required on a car which is still being financed. One thing you may not know about this is that if you want to drop your auto insurance on your financed car, you can do that. The stipulation is that you turn in the plates and registration. But in order to keep the financing going you generally need to keep the car registered and keep the car insured. So even if you wanted to put your financed car up on bricks for a while and turn in your plates and registration so you could drop your coverage, most financiers don't allow the registration to be dropped. Ergo you're paying for insurance even if you're not driving the car.

• Policy Nonsense

When you first sign up for car insurance; keep in mind that there are many coverage options that can be ignored. You don't need to keep on most of what you have from your policy; especially if you have fallen on financial hard times and you have obstinately taken the car off the road. There may be certain coverage's which can have their co-pay raised to the highest amount; this can save you some money on your auto insurance. You can also eliminate many of the fancier points to your auto insurance which can help you save a little bit of money like towing coverage and special rental reimbursements.

• Don't Bundle

One of the popular things now is "bundle" everything; car, life, homeowners, renters insurance and more. These bundle plans can wind up costing so much more than you'd think. Especially if you're young, you probably don't have all that much worth insuring in your apartment. Auto insurance bundles for the value meal generation can be passed on.

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The Benefits of Collision Coverage collision coverage,insurance provider,different insurance companies,insurance

As the name implies, collision coverage will provide security for your car in case of a collision. It works differently from other insurance policies so it's a good idea to know the difference.

First of all, collision coverage will compensate for the damage dealt to your vehicle only. In the case of an accident, it doesn't matter whose fault it is because the coverage will pay for your vehicle only. At first, collision coverage may not seem that good because it will only cover your own vehicle. However, in an accident, there will always be a blame game. It will take a lengthy legal battle to determine whose insurer will be required to pay. With this coverage, however, your vehicle can get fixed right away. Plus, without the collision coverage, you will still be paying money straight from your own pocket so it's better than nothing.

Another problem is crashing into trees or walls. That tree you just collided with is less likely to be able to pay for your vehicle's repairs. Thankfully, the policy covers objects like trees and your car can be fixed right away.

How about uninsured drivers? If you just had an accident and the other driver is uninsured, it will be a total headache. Liability coverage would require the other driver to pay for your repairs. However, if he doesn't have that, then he won't be paying for your repairs anytime soon. But if you have this coverage, there's no need to worry. The policy will still pay for your car's repairs, even if the other driver is uninsured.

So when should you get collision coverage for vehicles? Vehicles that are leased or financed are required to have coverage. These vehicles are owned by banks and they need protection in case something happens to the vehicle.

Basically, if your car is new or not, as long as it is in a perfectly good condition, it is advisable to get collision coverage. You never know when you're going to collide with a tree or another car so it's important that you have some compensation in case that happens. Your vehicle's worth when the accident happens will determine how much money you'll be receiving.

You should also know that events that are not covered by the coverage. In case your vehicle breaks down due to mechanical failure, you're pretty much on your own. Collision coverage does not cover mechanical failure. Car theft isn't covered by the coverage, as well. Basically, as long as there is no collision, the policy can't help you. If you want to have your car completely protected, then it's advisable that you get another insurance to be paired with collision coverage.

It's important to have you car insured in one way or another. If you still don't have collision coverage or any kind of insurance, then it's important that you get one, right away. You never know when you'll collide with another car. To save some money, it's a good idea to friends or do some research before choosing an insurance provider. It's perfectly natural for some providers to be better than others. Be sure to ask for quotes from different insurance companies and compare them. It's good to check out at least five providers, before choosing one. In this way, you'll have a lot to choose from.

Driving carefully is very important. Many accidents are just caused by reckless driving so be sure to drive carefully. Also, be sure not to drive when you're under the influence of alcohol. Sure, you may have insurance, but processing will take time and will still be a huge headache in most cases.

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Guide to Full Coverage Auto Insurance

Definition of Full Coverage Auto Insurance:

Full coverage auto insurance has a bad reputation of being extremely expensive; however it is a big misconception. The truth is that it is possible to obtain cheap full coverage car insurance, it's just most of the car owners fall for the same trick that auto insurance companies utilize. Keep in mind that such insurance plan is just a policy assembled of several types of coverage and agents normally provide you an already completed package that not only can be expensive but not at all satisfying for you. So if you go to even cheapest car insurance companies, the full coverage will still be quite costly.

What Full Coverage auto insurance should consist of:

As it was mentioned above, cheap full car insurance is something you must organize yourself. To make it simpler only certain types of coverage are essential for it to be complete. The first one you should have is the comprehensive and collision coverage. With collision, you are reimbursed for any kind of damage that your vehicle took from an accident and the comprehensive one covers any damage done to the car other than the collision. The next one will be liability insurance coverage, which covers all of the legal expenses concerning the car, be that the lawyer fees or repayments if the case was lost. The last one you should look into is the uninsured motorist insurance coverage. Essentially, it helps you out if you were hit by the car that was not covered or if the coverage is not sufficient enough, in which case your own provider pays for the damages. There are many other types of coverage that you can include, however if you wish to obtain affordable full coverage auto insurance for the best quality, those three must always be present in it.

How to reduce the price of full coverage auto insurance:

Most of the car insurance companies will provide hefty discounts if you increase the down payment of the insurance. Same will happen with increased deductibles, although you have to know the balance. Best solution would be not to search for cheap car insurance companies but search for firms that provide special offers and reductions for customers who purchase full coverage auto insurance with them. As you can see yourself such insurance policy does not differ much from the normal one with the exception of knowing what types of coverage you need in it, otherwise the same tricks in decreasing the price apply to it.

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Affordable Car Insurance for Students

There are a number of things that affect the amount you pay on car insurance and if you are a student it may be even harder for you to find affordable car insurance. There are ways you can get a lower premium though and companies use these especially for students. If you are suitable and fit the criteria of anything listed below you could get some sizeable discounts on your next car insurance policy. Once you look at these you can take action for any of them that pertain to you and get a cut in your current policy or to get a reduced policy in the future. Let's get right into them;

1. Insurance companies operate on the premise that as we get older our risk of being in accidents is lowered by a dramatic amount. Hence students that are older than 25 are immediately eligible for a cheaper rate once they hit 25. This also means that if you are younger than 25 you can expect to pay a higher rate.

2. If your last three years of driving have been accident and traffic violation free you may be eligible for a lower rate. It doesn't matter if the accident was not your fault the insurance company still thinks they are at higher risk for insuring you and as such will charge a higher rate. So if you are just starting out you want to ensure that you practice safe driving techniques and follow the road code precisely so that you can look forward to this discount in three years.

3. If you keep up good grades while in school with a grade average of "B" you may qualify for affordable car insurance with some companies. The companies that offer this incentive will require you to send them a copy of your transcript initially and after each semester so they can see that you remain eligible for this discount.

4. If you don't drive too far to school and other activities you may be eligible for a discount on your car insurance. They make this decision on the premise that the less time you spend on the road, the less likely you are to be involved in an accident.

5. If you take or have taken a course in drivers education or defensive driving these may make you eligible for more affordable car insurance. Even after the cost of paying for the classes you will save enough on your insurance to be able to get back the money for the classes and more.

6. One other thing that affects your ability to receive affordable car insurance as a student is the age of your car. The older your car the more expensive it will be to insure and some insurance companies require you to have the car looked at by their mechanic if it is over a certain age. So if your dad decided to give you his old car while getting a newer car for himself you may want to talk him out of it and let him instead give you the newer car especially if this is the only thing that would qualify you for a student discount.

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A Brief Introduction To The Brake Lathe

A brake lathe is basically a lathe that is made from metal and which has especially been designed to help turn an automatic brake drum and motor and several other items. In the traditional metal lathe, the piece that is to be worked on will be suspended horizontally between a spindle that rotates and a tailstock.

The brake lathe is different as it only has a single spindle and the item that has to be worked on will be suspended in a vertical position. However, both machines will make use of cutting bits that are mounted on different tool posts and these cutting bits will then cut into a metal stock that is rotating.

The brake lathe operates by making use of an arbor that is inserted into a central hole within a brake rotor. There is also an arbor mounted rotor that is placed on the shaft of a spindle and it is secured with the help of a locking ring. By maneuvering the tool post and also the bit with the help of hand cranks or by mechanical means it is easy to fix the rotor and remove any dirt and rust as well as debris.

In addition, the bits will be cutting very small sized grooves into the rotor and these grooves will then provide the required friction between the brake pads and the rotor and in this way provides the right amount of stopping power.

Most companies realize that when it comes to replacing a drum or rotor and any other section that forms part of the braking system that the costs involved can be very high. In order to lower these costs it makes sense to use a brake lathe which will help to resurface all of these items and in doing so will make them more effective once more.

The bench type is used when you need to remove a drum and rotor from a vehicle so that these can be repaired. Such machines are normally found in either commercial or private settings. These units also give you several options to choose from including between single and variable and even high speed styles.

The on car unit is another variant and is a good addition to the bench type as it can help you to perform the necessary repairs directly on a vehicle. This kind of unit will not wreck the hub or even the wheel of the vehicle and so is a good option.

The on car unit can be attached in either of two different ways. One way involves caliper mounting and the other method is the one that is called a hub mounted style.

The only trouble with using these kinds of units is that they need to first be set up perfectly. Only if the set up is perfect you can expect to see high quality repair work done. However, both these kinds of units can easily repair a rotor and a drum to such an extent that after the work has been done the rotor or drum will be in as good if not better shape than what they were when originally manufactured.

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Saving On One Day Car Insurance one day car insurance, 1 day car insurance, saving on car insurance, car insurance or a day

When a mainstream product is customized to meet the particular needs of a consumer segment, you know that there is a demand for the customization. Such is the case with one day car insurance, designed for drivers who require immediate temporary auto insurance coverage.

If you are trying to find the cheapest 1 day car insurance online, there are many comparison sites offering temporary car cover quotes. There is no obligation to purchase so save yourself some time and use those sites to conveniently gather multiple quotes from trusted insurance companies. Ensure that you base your buying decision on comparable cover quotes. That is, basic liability daily auto insurance will be cheaper than comprehensive daily car insurance cover.

Should you find that the comparison sites do not deal with an insurance company you had in mind, you can go directly to that company's website and get a quote to include in your research. The majority of insurance companies are online, offering instant quotes so if you prefer to go to each individual insurer, you can.

Once you have evaluated all the information and decided on a legitimate offer, you can buy day car insurance online for immediate temp cover and even print out the policy documents instantaneously once payment has been authorized. That's the beauty of online shopping - fast and convenient with no waiting in line for your turn.

Many people choose car insurance for one day because it's affordable and flexible, perfect for very short term driving protection. Note that car insurance by the day cover is available for coverage of a single day or up to 28 consecutive days and can be renewed to satisfy your ad-hoc driving pattern. Some people may scoff at bothering to get auto insurance for just one day. It's risky, not to mention illegal, to drive uninsured so we do not advocate such behavior, even if it's just for 1 day. Besides, the process of obtaining one day motor insurance cover is considerably convenient thanks to the Internet. Considering how much a traffic accident could set you back, the price you pay for a 1 day cover is "pennies" in comparison.

Car insurance may be mandatory but paying for more insurance than necessary is definitely not a consumer obligation. Insurance companies make enough money as it is. Therefore, people whose driving frequency has become less regular but whose auto insurance policy remains unchanged should review their options to ensure that they are not wasting money needlessly.

For instance, perhaps you got a new job closer to home or have moved closer to your existing job and therefore, find that you like to walk instead of drive. Or perhaps you're in between jobs and are not driving. Or maybe you own a vehicle because you like the convenience of having access to it on demand but just simply drive it once in a while.

Do any of the above scenarios apply to you? Are you finding that your vehicle spends more time parked in your garage than it does on the road? If you are still paying a regular, annual car insurance premium under these circumstances, consider analyzing whether buying cheap temporary car insurance cover for 1 to 28 days will be more cost effective for your intermittent drives.

If you discover that you drive frequently for a minimum of one month to a maximum of six months, one day car insurance will not apply but a short term "pay as you go" monthly motor insurance policy will.

For those skeptics who wonder if is there is such a thing as temporary auto insurance, yes there is. Not all insurance companies offer daily car insurance so check with your current provider or solicit online quotes to determine the best rate for your immediate needs.

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Money Saving Tricks for Car Insurance car insurance,money saving,auto insurance,saving tricks,money saving tricks

If you love insurance, then you are probably lying. Usually nobody likes having to pay a monthly premium every month for insurance. Insurance comes in many forms and can protect you if you ever need it. Many people try to get away with not having auto insurance. It can be a heavy burden especially when you are still paying on the car. However it is needed and in some states it is mandated. This article will look at a few ways that you can cut your premium costs and still have a great policy. Just remember it is always better to be safe rather than sorry.

Being young can be a great time in your life. Usually as a student you save on tons of everyday items. However traditionally, car insurance is not one of the things that you will save on. As a whole, teenagers are at a higher risk to wreck. Because of this data, companies charge more if there is a teenager on the policy. Now there is a silver lining. If you get good grades in school and you excel then you might be eligible for auto insurance discounts.

Another way that you might be able to save is if you let your driving be monitored. This can infringe on your passion for driving but it will make you a more conscious driver. Some agencies will put a black box in your car and it will keep a tally of all of your driving habits. If you do well then you can expect better rates.

Do you live in the suburb and commute? If you do then you might be in luck. If you can get together a group and carpool together then you can reap the benefits.

Not only do some employers help carpool groups but you also can score discounts. Not to mention better driving lanes in some cities. Carpooling will also save you on mileage and gas. Oh and it is good for the environment. Do you need any other reasons?

Being with a company for several years can also save you money. For example, if you are a policy holder for the same company you had when you first started driving and even you parents have them, chances are that you will be in for some serious discounts. Companies love loyal customers and they will usually do anything that they can to keep you as loyal to them as possible.

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The Reasons Why You Should Have Non Owner Car Insurance car insurance,owner vehicle insurance,owner car insurance,insurance company,non owner,rental vehicle

Many people are under the misconception that they are only required to have auto insurance if they own a car, when in fact, it is very important that they have non owner car insurance if they are using a rental vehicle, or are regularly making use of a car that belongs to someone else. In fact, most states require the driver of the vehicle, whether he or she is the owner or not, to have insurance to pay for claims that are made in the event of an accident.

Should you be involved in an accident while driving a rented or borrowed car, and you don't have insurance, the insurance company that the owner of the vehicle is insured with, will settle any claims for the amount stated on the policy. However, you as the driver of the vehicle could face legal action from the owner of the car or the insurance company to recover the money that was paid out after the accident. If you have non owner car insurance on the other hand, you will be protected against any such claims.

Acquiring a non owner vehicle insurance is very easy. If you are planning to rent a vehicle, then, as most of these companies offer this type of insurance anyway, you can just arrange to get one from them. The only problem is though, that you will only be protected by the policy while you are driving the vehicle that you rent from them.

It is a much better idea though, to buy your own non owner car insurance, in which case you will be protected all the time, no matter whose vehicle you are driving, if you are involved in an accident. The same applies if you are using a vehicle owned by the company you are employed with.

Many people are making use of public transportation these days, because of the high price of cars, gas, and insurance, rather than getting themselves into debt by purchasing a car. At times, they might need to have the use of a vehicle, in which case they simply borrow one from a friend or family member, or rent one from a vehicle rental company. These people too, even though they only make use of a borrowed or rental vehicle on the odd occasion, need to have non owner car insurance just in case they are involved in an accident.

This type of policy will protect the driver of the borrowed or rental vehicle against liabilities (the financial claims you are responsible for in the event that you injure someone), drivers who are uninsured or underinsured, personal injury, as well as any medical payments. Non owner car insurance is considered to be very basic coverage, and does not include things such as comprehensive or accident damage, compensation for towing costs, and compensation for vehicle rental.

Although it is possible for you to purchase this type of insurance from the vehicle rental company you are dealing with, you will find it more cost-effective if you buy your own non owner car insurance, especially if you make use of a borrowed or rental car frequently during the course of the year.

As far as the cost of a non owner car insurance goes, it all depends on where you live and what type of driving record you have, as well as some other factors that are set by car insurance companies, but it is normally in the region of about $300 to $500 per year. Do note though, that if you are involved in an accident while driving someone else's car, his insurance company will cover all costs up to the limits of his policy, after which your non owner car insurance takes over.

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How To Compare Car Insurance Today

Everyone is looking for ways to lower the cost of their vehicle coverage today. Learning how to compare car insurance quotes will be very helpful on this journey today. You'll need to follow certain steps that will help you get the information that you need to find the best possible rates for your family when you are trying to balance the household budget.

For those who are seeking a new company for their vehicle coverage, you will find that you need to provide quite a bit of information to get the estimate that you need. When you have the estimate, you will need to compare them side by side to see which one has the best coverage at the lowest price. Many people today make the mistake of looking only at the bottom line.

However companies today know this and will subtract from the coverage that you requested to offer you a better rate. If you are not comparing the details of each quote, you might find a big surprise when you need to use your coverage for an accident. When requesting your quotes, make sure you ask for detailed estimates so that you can look at each line item to compare.

Getting these quotes might prove to be time consuming in the beginning. Using a variety of choices, you will need to provide details such as the make and model of your vehicle as well as driver's license numbers and things of that nature to each provider. In addition you may need to provide vehicle identification numbers as well as your social security number to get the best estimate possible.

When you begin your comparison, you will find that each one has a different format. One method of making sure that you are looking at the same information on each one is to use different colored highlighters to select the line items on each quote. For example you might use a yellow highlighter on each quote to highlight the line item for the liability coverage.

When you need to compare car insurance rates, you will find that you have several different methods that will be effective. The one that you choose to use will be determined by you and you alone. A method that might work for one person may not be effective for you and vice versa. Having your own method that allows you to determine if the policies are equal will be up to you entirely.

Motor vehicle owners, check out our car owners guide for tips on how to effectively compare car insurance quotes, now.

Key: compare car insurance, car owners guide

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Free Car Insurance, Where Do I Apply? cheap car insurance, low cost car insurance, basic car insurance, affordable car insurance coverage

The CAARP (California Low Cost Automobile Insurance Program) is a state-sponsored service that offers automobile liability insurance to drivers who qualify for the Good Driver Discount, and who establish a financial need. In order to qualify for the low cost automobile insurance program, the applicant must have a good driving record. The second requirement is that the insured vehicle can not be worth in excess of $20,000. Your vehicle's value must be below the amount of $20,000.

The liability limits offered under this program are less than those required by the state of California. The liability limits in California are $15,000 per person injured, $30,000 per accident and $5,000 property damage liability. The limits offered in the program are $10,000 bodily injury or death per person; $20,000 bodily injury for each accident; and $3,000 property damage per accident. To apply you must first check the online applicant income eligibility chart. You will find it on the California Department of Insurance website. You must visit insurance.ca.gov to see if you qualify for the low-cost auto insurance program.

According to the chart, a one-person household has an income ceiling of $27,075 annually to qualify for the low cost auto insurance program. Then you must check the list of insurance rates that is available online. Rates for the state program will vary between counties, so before setting up a policy, you must need to know exactly how much you will be paying. The national nonprofit AIPSO website has a document that breaks down the amount of the annual premium per vehicle. You will then have to take an 11-question test on the Department of Insurance site to see check your eligibility. The questionnaire will determine if you meet the program's eligibility guidelines. Some of the questions are very simple ones such as whether you're a California resident, what is the value of your vehicle, is there an accident history and whether your vehicle will be used for business or commercial purposes.

Finally, you will have to find an insurance agent in your area to set up the policy. Once you complete the online questionnaire and are eligible for the low cost auto insurance program, you will be asked to enter your zip code. You will then be presented with a page that has a list of insurance agents in your local area. The list includes the agents' name, business address and work phone number. You must contact a licensed agent on that list in order to apply for the automobile liability insurance policy. Your agent will then help you complete the insurance application, and collect the required deposit and documents needed for this program to get you started.

The program is not free. It is meant to provide you with a lower insurance premium based on a financial hardship. However, the insurance premium is not lower because you have compared and shopped insurance carriers but because you are buying lower liability limits than those required. You will be surprised that when you compare and shop rates between insurance carriers you will find a lower rate with more coverage and higher limits of liability that will protect you from a law suit.

Go Insurance Center

10769 Woodside Ave Suite 210-B

Santee, CA 92071

(619)442-6666

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Key: cheap car insurance, low cost car insurance, basic car insurance, affordable car insurance coverage, Car Financiers, Car-Insurance

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How Much Auto Insurance Coverage Do You Need? insurance coverage,minimum amounts,enough coverage

Perhaps you are looking for a new automobile insurance policy. If you are in the market for car coverage and do some checking around, you will find out that that are many varying rates with each particular company that you get a quote from. The rates are different for each particular individual and each particular situation. There are many factors that play into your policy rate and play a part in what your premiums are for the year. Your age can be a factor in what you pay for your auto premiums. If you are under the age of 21, or have any drivers in your household who are, you will likely pay quite a bit more for your premiums per year than you otherwise would. There is also a higher rate for drivers ages 21-25, but typically not quite as high as under age 21. When a driver reaches age 25, they typically can get lower insurance rates per year. This can help you save some money. If you have any traffic moving violations your rates can also be higher; especially if you have more than one on your record or have something more serious such a wreck-less driving charge or a DUI on your history. So, staying out of trouble and not getting any tickets can really save you a lot of money!

When you are deciding how much coverage you need, you can first decide your comfort level and if you are willing to take a little bit of risk, or if you want to be more conservative and play it safe. If you want to feel safe and well covered and this is important to you, you may want to purchase more coverage and also put higher limits on your coverage so that you can rest easy knowing you are well covered in case of any mishaps. Some people need this for peace of mind. If you are this type, it may be a good way to go for you. Always make sure you purchase at least the minimum amounts of insurance for your state. Most states have minimum amounts they require their drivers to carry. You can find out what these limits are from your state offices or online.

Considering your assets aside from your vehicle is a good thing to do when purchasing a policy as well. You want to make sure that if you are ever at fault in an accident the other party or their company won't be able to come after your personal assets in the event you exceed your policy coverage in taking care of the costs associated with the accident that you are to blame for. If you carry enough coverage, you won't have to worry about this because your insurance will take care of it for you. A good company will take care of most of the details in an accident for you anyway.

Shopping around for insurance that is good and competitive on price can be well worth it for you. It can save you a lot of money and this research can also help you choose the right amounts of coverage for your particular situation.

Key:  insurance coverage,minimum amounts,enough coverage

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Finding The Cheapest Car Insurance In Today's Economy insurance companies online,cheapest car insurance,local insurance companies

Have you been out shopping lately and noticed how the prices are going up on everything? From food to home repair, to the price of gas, it's not easy to stay afloat in today's economy. In this day and age it is almost imperative to own a car. The inconvenience of not having a car is extremely frustrating. Not only do you need a car but by law you need car insurance. So what is the best way to find insurance at the best price? It's easier than you might think. It's time to go online.

There are literally hundreds of different insurance companies online that want your business and in order to get your business, they are willing to offer competitive prices. Along with competitive prices, they also want to make it as easy and convenient for you to purchase their insurance. Let's face it, the happier you are, the happier they are...to get your business. With a simple search and click of the mouse you will see which insurance agency is willing to give you the best deal. There will be several different quotes that pop up from different insurances and a place where you can compare policies.

Time is also of the essence in this day and age and there isn't much of it you can waste. Instead of taking time to call insurance companies over the phone, which could take hours, you can get instant quotes, buy your policy, and be off to your next errand in minutes. So, if someone is in the market for car insurance, but doesn't have a whole lot of time to make several phone calls, then this is the best option. All you need to do is fill out one insurance quote request form. Now that's convenience! You'll be asked to enter basic information such as, zip code, etc. and then you will be on your way toward a great deal.

Most likely the insurance companies that pop up with quotes will be companies that you have heard of. This is because the zip code that you entered will bring up local insurance companies for comparison. Soon it will ask you to enter a little more basic information. This information is usually about your car. Then they will ask you a little about yourself, such as, date of birth, driving and insurance history, and family status. It is so fast and easy. By the time you would have taken to find a phone book, and the time you probably would have had to hold for the next available representative you will have almost finished buying your new car insurance. To finish all you will need to do is decide what coverage limits you want and poof, there on your screen will be your new lower monthly premium. If you end up switching insurance companies then it's no problem. Your new insurance company will most likely take care of it - all of it.

So the next time you need to buy car insurance, experience the easy and convenient way of buying it online. You may be surprised at the deal you find.

Key: insurance companies online, cheapest car insurance, local insurance companies, Car Financiers, Car-Insurance

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The Basics of Full Coverage Auto Insurance full coverage insurance,cheap car insurance,vehicle insurance,insurance broker,drivers insurance

The car is a very important property. It's also very expensive and that is why people should get insurance for their cars. There are different kinds of insurance policies, but what is the best one? I think it is safe to say that full coverage auto insurance is the one of the best policies out there. With this policy, not only do you protect yourself, but your car, family, and all who are linked with the accident, as well. Of course, this kind of insurance will cost a bit more, but that is to be expected from a policy that has full coverage.

Every car owner will definitely be secured with full coverage insurance. Whether you car is loaned, owned, or borrowed, you will be protected from all angles. But you shouldn't get this policy if you car's value is very low that you'll end up losing a lot of money.

First of all, the full coverage insurance will pay for the damages when you car is hit or damaged by natural calamities. Also, the amount of money that you lose during legal trials will be compensated by the policy. Lastly, if you have a collision with an uninsured driver, the policy states that the driver will be paid. In other words, the insurance company will take the role of that uninsured driver's insurance provider, as you can see the full coverage insurance like a combination of the comprehensive, collision, and liability insurance. You also have the option of getting additional health coverage. However, this coverage will not come cheap and you should not get this if you already have a sufficient health insurance or if you want to save some money.

Now, the next big question is where to get full coverage insurance that's cheap. Well, finding cheap insurance is no easy task. You'll have to take your time and look around. You can ask relatives and friends who are insured or you can look by yourself. Perhaps you'll discover an even better deal. Looking for stuff on the internet is very convenient and that is where you should start looking for cheap quotes. There are certain companies that give pretty good discounts so it's a good idea to contact multiple companies and ask about everything. They'll be more than happy to help out a potential customer. Some would even have additional features like discounts on other insurance. Almost all insurance providers allow online transaction so it's a good idea to make good use of this. Check out different providers and see which of them offer the best deals.

The requirements for application are not complicated. They're very similar to the requirements for other insurance policies. These requirements would just be your age, driving record, car model, and the likes. Just send these requirements to the insurance company and you'll have a quote in no time.

What about if you do not own a car? What if it's under loan and you still don't own it? If this is the case, the full coverage insurance is still a must. In fact, car lenders will insist that you get some insurance for the car so that they can have their assets protected, as well.

Hopefully, you understood how great of a help this policy is. You mustn't wait for something bad to happen before thinking of getting insurance. You must also not be satisfied with your basic insurance policy because it doesn't offer you a lot of protection. So what are you waiting for? Check out the different providers online now and see which of them has the best deals to offer.

Key: full coverage insurance, cheap car insurance, vehicle insurance, insurance broker, drivers insurance, Car-Insurance, Car Financiers

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The Basics of Liability Car Insurance liability car insurance,car insurance companies,car insurance quotes,affordable car

If you ever meet an accident, the affected party will definitely do its best to squeeze all the money out of you. That's perfectly normal because you're the one who collided with them and they're just victims. Of course, there's always the liability car insurance, which is the most basic of all insurance policy forms. It's also required in all states, except two.

The liability car insurance will pay for the repair expenses on the affected party's car. It will also pay for accident-related injuries. However, the affected party will do its best to take as much money from the policy even when they are already compensated, which is why you should increase your insurance policy's limits. But also remember that even though you increase your policy's limits, you will still have a lot to pay for because the liability auto insurance will not pay for your own repairs and your own injuries. Also, there's maximum as to how much the policy can pay. $20,000 is the maximum the policy can pay for each affected person in the accident and a max of $50,000 per accident. Damage to property will only be up to $30,000 and no more. Yes, the policy is indeed helpful. Sadly, this does not cover your own car's repairs and your injuries. Car repairs are very costly and not to mention hospital fees, as well. It's a good idea to find another insurance to complement the liability car insurance because the policy will not cover theft, too.

Here's a short example. I have a friend who only has liability auto insurance. He met an accident, bumping into an old man's old truck. The man was fine because the collision wasn't strong. However, the man still sued him for injuries! He was compensated for $1000, despite the fact that he didn't have any major injuries. But he didn't stop there. He also sued my friend for $50,000! Sadly, my friend only had up to $25,000 insurance compensation. When the man got the $25,000, he simply dropped that case. If pressed on the case, my friend would have sacrificed his property to pay the old man. It was just a minor collision and she was paid $25,000 for it! Even though my friend was freed from his problem with the old man, he still had to pay for the damage to his vehicle.

What happened to my friend should be lesson to everyone. You must believe me when I tell you that the affected party will really do its best to get all the money they can from you because, they are the ones affected, after all. The liability auto insurance will never really suffice. You still have to complement it with something else. It's easy to look for insurance online. Lots of providers allow online application and processing so it's a good idea to look there. Plus, processing is very convenient.

One shouldn't take these insurance policies for granted. We should all know how important they are. Always take time to learn more about your policy so that no loophole can be exploited in case something happens. Before even thinking of buying your very own car, learn about insurance policies and the liability car insurance, specifically. This is where you'll be starting off so it's a good idea to do some additional reading about it before getting a car.

Key: liability car insurance, car insurance companies, car insurance quotes, affordable car, Car Financiers, Car-Insurance

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Temporary Auto Insurance: The Basics

The temporary auto insurance is also known as the short term auto insurance. This policy can offer what the standard insurance can, but only for a short amount of time. Like the standard policy, your car or the car that you borrowed, will be protected from theft and wreckage.

The application process for the temporary auto insurance is easier and shorter as compared to the standard insurance. In this period of technological advancement, most, if not all, of the insurance providers allow processing online. Yes, all you have to do is look up the requirements for the application online and you can send them online, too. However, some companies may not allow online processing. Companies that allow online processing have hotlines that are on 24 hours a day, 7 days a week, so you can process the requirements anytime. But let's say that you're not satisfied with the insurance policy. What if you want your policy cancelled? Cancellation may be complicated with standard insurance policies, but with temporary auto insurance, it is very easy. A cancellation letter is all that will be needed. Of course, refunds may be a bit complicated and procedures will vary from company to company.

Although this kind of policy isn't as big a deal as the standard car insurance, it's also a good idea to look around and check out the different insurance providers and what they have to offer. You may be using that policy for only a short while, but you can still save some money if you choose the right provider. Remember that it's very easy to ask for an online quote from these companies. That means that there's no reason for you to be shy when asking for an online quote. As long as you pass the requirements, they can send you the quote. But it's also important to take note that there are some requirements that are common among all providers. First of all, insurance providers are less likely to entertain applicants below 25 years old. Another important requirement is your driving record. Your driving record must be very clean or you won't be getting that policy. If you're a first time driver, you will definitely have a hard time looking for a provider. Insurance providers rarely entertain first time drivers. Just be sure to do you research thoroughly, before choosing an insurance provider.

The temporary auto insurance does have its complications, but it's safe to say that it is very convenient. Just don't think that you can use the temporary auto insurance to replace the standard insurance. This policy will only be good for short durations only.

Before driving a borrowed car, always remember to get temporary auto insurance. You never know when an accident will happen. When expecting a visit from relatives or friends from afar who are going to borrow you car, you should get this policy, too. In that way, you and your visitors will have peace of mind in driving around your car. Yes, the temporary auto insurance is very helpful. Car security has never been more comfortable. It is also more convenient, now that you can process applications and payments online.

Key: temporary auto insurance,auto insurance quote,auto insurance online,,temporary car insurance

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Understanding the Short Term Car Insurance short term car insurance,car insurance coverage,direct car insurance,car insurance compare

The short term auto insurance is for people who are borrowing cars from someone else or people who are using cars for a short period of time. The insurance is also perfect if you are lending your car to some visitors. Basically, it will offer a car security for a short period of time. In fact, this kind of insurance is similar to the standard policy and the only difference is that it will only take effect for a short time. Your car will still be protected from accidents and theft, just like what the standard insurance policies offer.

Applying for short term auto insurance is also very simple. The application process won't be as long as compared to applying for a standard policy and the processing time is sure to be faster, as well. The application will also be a lot easier because it can be processed online. Most of these insurance providers are up 24/7 so you can contact them at any time of the day. If you're not satisfied with the insurance policies, then you can simply cancel, since cancelling short term auto insurance not as hard as you think. Most of these providers will simply ask for a cancellation letter from the holder of the insurance policy. However, the procedures for refunding will vary, depending on the providers.

It's also a good idea to do some research before choosing an insurance provider. Yes, the policy will only be used for a short time, but time is still money. Depending on the provider you choose, you can save a lot of money. Don't think twice about asking for quotes. Everything is online now, so it's easy to ask for quotes from companies online. Simply go to their websites and check out the necessary requirements. After that, submit the requirements and you'll have that quote in no time. Of course, there are certain standard requirements, as well. One of these is you must be 25 years of age and no less. Your driving history must be very clean, as well. It's highly probable that they won't allow you to get short term insurance if you're a first time driver. Be sure to check out the necessary requirements before even thinking about applying.

As you can see, the short term auto insurance isn't as serious as the standard auto policy. However, don't think that the former can be substituted for the standard insurance. The short term policy is only good for short term use, nothing more. It may be very convenient, but it's not advisable for long term use.

Never think twice about getting short term insurance when you're driving someone else's car. When you lend you car to someone, it's also a good idea to get some protection before you send him off driving. If some relatives are coming over from foreign countries and you're going to lend them your car, it's a great idea to get some short term auto insurance, too. In that way, their visit will be comfortable and stress-free, both for you and for them. There are lots of scenarios where it's perfect to get this policy.

Short term auto insurance is very easy to understand. It's not as complicated as other forms of insurance. However, if you want to learn more, just drop by short term car insurance.

Key: short term car insurance,car insurance coverage,direct car insurance,car insurance compare

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Understanding Comprehensive Auto Insurance comprehensive auto insurance,auto insurance coverage,auto insurance quote,cheap auto insurance

There are different kinds of auto insurance that are offered out there. Those who are looking for insurance for the first time may find it hard and confusing. It's a good idea to learn more about the different kinds of insurance policies, before thinking of applying for car insurance. This article will talk a little about the comprehensive auto insurance.

Basically, the comprehensive insurance provides security for your car in case of physical damage. Some say that this policy is the best form of auto insurance. Let's take a close look and see what 'physical damage' really refers to.

Let's say you meet an accident. You bump your car into a wall or a tree. If you have comprehensive auto insurance, then there's no need to worry because the policy states that you will be paid back in full, depending on your vehicle's damage.

How about colliding with another car? With the comprehensive auto insurance, the owner of the damaged car will be paid in full.

One of the worst things that can happen to you is to have you car stolen. However, with the policy states that if your car is stolen, you will be completely reimbursed. Take not that not all insurance policies protect their policy holders from theft.

The comprehensive insurance will also protect your car from natural calamities. This means that you car will be protected from damage cause by tornadoes, storms, hurricanes, earthquakes, landslides, and the like.

It's also hard to tell when a moose or bear will go feral and unleash their fury on your car. The damages that some animals cause are real huge. Thankfully, the comprehensive insurance states that in case your vehicle is damaged by animal attacks, you will be reimbursed.

Another unfortunate thing that can happen to you vehicle is to have it caught in a fire. If you are still able to rescue your vehicle from the fire, it's perfectly fine because fires are still covered by the policy. Vandalism is also covered by the policy. If you car is smashed, slashed, spray painted or battered, you will still be reimbursed according to the policy.

The comprehensive auto insurance does cover a lot. However, there are also some occurrences that are not covered by the policy. If you meet an accident because you are drunk, then you won't be reimbursed. Also, if you don't have a legal license and you meet an accident, you won't be reimbursed, as well. Tire damage cannot be reimbursed, unless the car is damaged, too. Mechanical breakdown, and tire wear and tear are not covered by the policy, too.

You should also know that comprehensive auto insurance is a bit costly as compared to other insurance policies, which is why it's a good idea to do some research before picking a policy provider. Some providers provide better deals than others. Plus, it's very easy to check out the different providers on the internet. In fact, you can ask quotes from these providers online. Try checking out a few of these providers and compare and contrast their policies from each other, before choosing.

So how do these providers determine how much you are going to pay for the insurance? Like other policies, it will be determined by how old you are, the price of the car, the driver's record, how far and where will the car be driven.

The comprehensive auto insurance is, indeed, one of the best policies that you can get out there. It may be a bit costly, but it has much to offer as compared to other policies.

Key: comprehensive auto insurance, auto insurance coverage, auto insurance quote, cheap auto insurance, Car-Insurance, Car Financiers

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