Teen Auto Insurance Quotes - How to Avoid Paying More For the Insurance Than You Paid For the Car

How do you get cheap teen car insurance? When you first get your license the insurance can cost more than the car, unless you know where to look. For the first few years the insurance is so high that you have to drive real carefully otherwise if you have one accident the rates go so high you need a loan to pay the insurance.

Ideally you should consider the insurance before you even buy the car but many people prefer to get a fast car then realise they cannot keep up with the insurance payments. If it is your first car you should look at the insurance rates first and then as time goes on your rates will drop.

All it takes is one knock or accident and the rates will go so high that you will be unable to afford to run the car, unless it is a cheaper car. Everything from engine size down to your job affects the rate. If you are a pilot your policy is going to be much higher than if you work behind a desk.

Even the mileage you do affects your insurance, obviously the further you drive the more chance there is of an accident or damage to the car. Some companies even check the mileage on the car if you have an accident as a way to avoid paying put so it is best to make sure you have a good idea of how much mileage you will be doing when they ask.

If you can find a way to keep the mileage down and can get a cheaper car your auto insurance quotes will be much lower. Instead of an auto insurance quote that is more than you paid for the car.

By Brian Bannon

2009 Sport Car Renault Megane Trophy

The 2009 Megane Trophy will go on sale at the end of the year in the form of kit after the completion of its development programme which will enable existing cars to be upgraded.
The 2009 Renault Megane Trophy is based on the new Megane Coupe which is powered by the Renault-Nissan Alliance’s mid-rear 3.5-liter V6 24V engine that produces 360 hp.
The front and rear light units and windscreen are from the Megane Coupe road car while flowing lines of the bodywork was designed from digital simulation technology to improve the aerodynamic.
The Renault Megane Trophy features front splitter which channel air flow to the extractors and rear diffuser and wing that generated downforce. Downforce has improved by 20 % with the refinements to the set-up and drag was reduced by 15 % , which together, represent a gain of almost 40% in terms of the new car’s aerodynamic performance over the previous generation vehicle.

Apart from that, the Megane Trophy also features butterfly doors reminiscent of the world of GT and sports-prototype racing. The V6 3.5 24V engine is mated to a semi-automatic gearbox with the same mechanical features as the current car, including an FIA-homologated sports-prototype tubular chassis, steering wheel-mounted paddle shift, double wishbone suspension with adjustable dampers, 18-inch wheels and Michelin tires.
The power of the standard 330 hp engine was boosted to 360 hp with the help from the new inlet manifold. Rebuild is still at every 5,500 km for the car’s reliability. According to Renault, with the new aerodynamic gains, the extra power from the engine will enable the 2009 Renault Megane Trophy to lap in similar times to those of a Porsche GT3.

2009 Sport Car Renault Megane Trophy

The 2009 Megane Trophy will go on sale at the end of the year in the form of kit after the completion of its development programme which will enable existing cars to be upgraded.
The 2009 Renault Megane Trophy is based on the new Megane Coupe which is powered by the Renault-Nissan Alliance’s mid-rear 3.5-liter V6 24V engine that produces 360 hp.
The front and rear light units and windscreen are from the Megane Coupe road car while flowing lines of the bodywork was designed from digital simulation technology to improve the aerodynamic.
The Renault Megane Trophy features front splitter which channel air flow to the extractors and rear diffuser and wing that generated downforce. Downforce has improved by 20 % with the refinements to the set-up and drag was reduced by 15 % , which together, represent a gain of almost 40% in terms of the new car’s aerodynamic performance over the previous generation vehicle.

Apart from that, the Megane Trophy also features butterfly doors reminiscent of the world of GT and sports-prototype racing. The V6 3.5 24V engine is mated to a semi-automatic gearbox with the same mechanical features as the current car, including an FIA-homologated sports-prototype tubular chassis, steering wheel-mounted paddle shift, double wishbone suspension with adjustable dampers, 18-inch wheels and Michelin tires.
The power of the standard 330 hp engine was boosted to 360 hp with the help from the new inlet manifold. Rebuild is still at every 5,500 km for the car’s reliability. According to Renault, with the new aerodynamic gains, the extra power from the engine will enable the 2009 Renault Megane Trophy to lap in similar times to those of a Porsche GT3.

2009 Sport Car Audi R8 GT3

Audi Sport will offer a racing sports car specifically developed for customer use in the form of the powerful 500 hp plus GT3 version of the Audi R8 which will be available from autumn 2009. The logistics and factory space required for the AUDI AG customer programme will be created over the next few months in Ingolstadt, Neckarsulm and Györ.
The Audi R8 conforms to the production-based GT3 regulations allowing the car to be fielded in numerous national and international race series.
Because the GT3 regulations prohibit the use of four-wheel drive the Audi R8 comes with the typical GT rear-wheel drive. The power is transmitted via a newly developed six-speed sequential sports gearbox. The suspension uses almost exclusively components from the production line. A comprehensive list of safety equipment guarantees the highest-level of passive safety. A modified front end and a large rear-wing generate the required downforce for the race track.
The Audi R8, which bears the project name “R16” within Audi Sport, was developed under the direction of Audi Sport. Mid August, the first prototype successfully completed a roll-out in the hands of Audi factory driver Frank Biela.

2009 Sport Car Audi R8 GT3

Audi Sport will offer a racing sports car specifically developed for customer use in the form of the powerful 500 hp plus GT3 version of the Audi R8 which will be available from autumn 2009. The logistics and factory space required for the AUDI AG customer programme will be created over the next few months in Ingolstadt, Neckarsulm and Györ.
The Audi R8 conforms to the production-based GT3 regulations allowing the car to be fielded in numerous national and international race series.
Because the GT3 regulations prohibit the use of four-wheel drive the Audi R8 comes with the typical GT rear-wheel drive. The power is transmitted via a newly developed six-speed sequential sports gearbox. The suspension uses almost exclusively components from the production line. A comprehensive list of safety equipment guarantees the highest-level of passive safety. A modified front end and a large rear-wing generate the required downforce for the race track.
The Audi R8, which bears the project name “R16” within Audi Sport, was developed under the direction of Audi Sport. Mid August, the first prototype successfully completed a roll-out in the hands of Audi factory driver Frank Biela.

Sport Car Ferrari F430

Ferrari F430 is a sports car manufactured by Ferrari. The F430's brakes were collaboratively designed with Brembo. The F430 features E-Diff, a computer-controlled limited slip differential which enables to vary torque distribution based on inputs such as steering angle and lateral acceleration.

Sport Car Ferrari F430

Ferrari F430 is a sports car manufactured by Ferrari. The F430's brakes were collaboratively designed with Brembo. The F430 features E-Diff, a computer-controlled limited slip differential which enables to vary torque distribution based on inputs such as steering angle and lateral acceleration.

2009 Sport Car Lamborghini Gallardo LP560-4 Polizia

Lamborghini Gallardo LP560-4 Polizia, Automobili Lamborghini S.p.A. donated a police version of the company’s newest super sports car to Prefect Antonio Manganelli, the head of the Italian State Police with a private ceremony was held at the Viminale Palace.
The new Lamborghini Gallardo LP560-4 Polizia, which replaces the previous Lamborghini Gallardo Police Car in use by the Italian police force since 2004 has a 560 horsepower engine that can reach speeds of up to 203 mph. The car will begin service with the Lazio Highway Police Department in order to continue accident and crime prevention to sustain security on the Italian roads.
Its predecessor is proof of Lamborghini’s outstanding product quality. Since 2004, Rome’s police force has had the first-generation Lamborghini Gallardo in regular police service. The sports car has clocked nearly 87,000 miles of patrol duty on the motorways of central and southern Italy, as well as on emergency medical transport detail.

2009 Sport Car Lamborghini Gallardo LP560-4 Polizia

Lamborghini Gallardo LP560-4 Polizia, Automobili Lamborghini S.p.A. donated a police version of the company’s newest super sports car to Prefect Antonio Manganelli, the head of the Italian State Police with a private ceremony was held at the Viminale Palace.
The new Lamborghini Gallardo LP560-4 Polizia, which replaces the previous Lamborghini Gallardo Police Car in use by the Italian police force since 2004 has a 560 horsepower engine that can reach speeds of up to 203 mph. The car will begin service with the Lazio Highway Police Department in order to continue accident and crime prevention to sustain security on the Italian roads.
Its predecessor is proof of Lamborghini’s outstanding product quality. Since 2004, Rome’s police force has had the first-generation Lamborghini Gallardo in regular police service. The sports car has clocked nearly 87,000 miles of patrol duty on the motorways of central and southern Italy, as well as on emergency medical transport detail.

6 Tips to Save Money on Your Car Insurance

Car Insurance Can Be Very Expensive

With the crazy amount of money you are already paying for gas, you may be looking for other ways to save money. One such money saving possibility could be in cutting down your car insurance bill. Follow these tips to cut it as low as possible.

Tip #1 - Take A Safe Driving Course

Some insurance companies offer as much as a 10% discount to those who haven taken a safe driving course. Check with your car insurance company to see if this applies. If it doesn't maybe you should look for another car insurance company that does offer this feature?

Tip #2 - Eliminate Any Extra Cars You May Own

This one is kind of obvious. But do you have any extra cars that you don't drive but you currently have on your insurance? If you do then take them off! You are wasting money by including cars that you don't drive on your insurance plan.

Tip #3 - Discounts On Multiple Cars

This tip is sort of the reverse of the previous one. Many car insurance companies will offer a discount if you insure multiple cars with them. Again like with tip #1, if your insurance company doesn't offer this discount then perhaps you should be looking for another insurance company?

Tip #4 - Don't Get A Ticket

Well no one wants to get a ticket, right? But along with the pain in the butt of getting a ticket and the fine that may go with it is the often much bigger pain that may come from raised car insurance rates due to your ticket. Most of the time your rates will rise if you get a ticket. This is just another reason to drive safely.

Tip #5 - Don't Get Into A Car Accident

You may be rolling your eyes at this point. And I understand. Obviously nobody wants to get into a car accident (well except for those freaks in that movie "Crash," no, not that "Crash," the one from the '90s. Look it up!) But another reason (besides the obvious ones of not wanting to get injured or worse) not to get into a car accident (this includes any sort of fender bender) is that they will greatly increase your insurance rates. Again, just another reason to drive safely.

Tip #6 - Increase Your Deductible

This is somewhat risky and you may regret it later. But it will save you money as long as you don't get into a wreck!

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Auto Insurance Is Absolutely Necessary If You Own A Car

Automobiles are counted amongst some of the most expensive possession we use in our daily life. Their proper care and safety demands great vigilance on our part. Car theft is common everywhere and can cause you great monetary loss, if by chance you lose your vehicle.

There is always a possibility of road accidents which may deprive you of your costly vehicle. To avoid any such situation, vehicle insurance or auto insurance is regarded the best possible solution which can save you from a heavy loss.

The variety in cars is unlimited and so is the price range which could be in millions. Certainly, cars need the best attention of their owners as regards to their security.

Owing to multiple benefits, car insurance is compulsory in many parts of the world. But it is also a truth that you have to pay a considerable amount of money to the car insurance companies for your vehicle insurance. Obviously, people aim for maximum benefits on auto insurance whilst paying for only nominal charges.

Competition among auto insurance companies also creates the possibilities of having the most competitive rates for car insurance. Before getting your vehicle insured, it would be appropriate to check the insurance rates offered by different auto insurance companies.

The internet is a rich source of information for you to collect thorough information on car insurance. A number of online auto insurance companies are there to provide you affordable insurance rates that can fit your budget.

With just a few clicks on the internet, or Google/Yahoo or other search engines, you may find many car insurance companies with great benefits. Auto insurance companies on the internet also display insurance quotes for the sake of their customers. These quotations help you to compare the different car insurance prices with the prices offered in the market by other auto insurance companies and may assist you in making a decision.

Some of the reputable insurance companies also offer special discounts on auto insurance. Such discounts are usually part of the promotion schemes that can be rewarding for common people. Auto insurance frees you from all impending problems and save you from financial worries in case any mishap happens to you.

Getting a car insurance is absolutely compulsory if you want to drive a vehicle. It also provides monetary comfort should you get into any unfortunate road mishaps or if your vehicle gets stolen. Depending on your location, do check out the minimum insurance requirement that is needed. More often than not, however, it is advisable to go above state minimum auto insurance requirements if you are able to afford a better premium for a more comprehensive protection on yourself as well as for your vehicle.

Types of Car Insurance Coverage

The following is a list of some required and optional auto insurance coverage that is required if you want to drive a vehicle on the road :

Personal Injury Protection (PIP) -- pays for expenses resulting from injury or death to you or your passengers, regardless of who is at fault. This car insurance coverage will also pay a death benefit to the deceased's survivors. Different states will have different requirements on this.

Bodily Injury Liability -- pays for medical or death expenses resulting from an accident in which you are at fault.

Property Damage Liability -- pays for repair or replacement and legal expenses for property damaged in an accident in which you are at fault.

Collision -- optional in most states, this pays for damage caused to your car in a collision or rollover, minus a deductible set by the insured. Higher deductibles typically result in lower insurance premiums.

Uninsured/Underinsured Motorist Protection -- pays personal injury or death benefits if you are involved in an accident caused by an underinsured, uninsured, or a hit-and-run driver.

Comprehensive -- pays for damage caused by theft, fire, vandalism and most natural disasters. Though optional in most states, banks will typically require you to purchase this car insurance if the vehicle you are buying is being used as collateral for a loan. Equipping your vehicle with certain anti-theft devices will also help to reduce your auto insurance premium.

Understanding the different types of auto insurance coverage will enable you to make the right decisions when getting a package that suits your lifestyle as well as fits comfortably into your budget.