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Myths and Auto Insurance – Debunking These Before Buying One

People seem to be more interested in stories and the word of mouth. This can have both advantages and disadvantages associated with it. Similar is the situation with auto insurance. There are various stories that go round with regards to auto insurance policies. But, if you are in need of auto insurance, it is better to clear the idea or myths that are associated with this particular type of insurance policies. If you have a car or any form of automobile, it is better to buy auto insurance but without getting the facts right, you may only end up either paying more on the policy or buying a wrong policy.

The myths associated with auto insurance

Some of the most common myths which are associated with auto insurance are as follows:

Premiums differ depending on the color of the automobile – The premiums on the auto insurance can differ depending on the color of the automobile. This is a myth. Rather the truth is that the premiums depend on your ability to make the premium payments, your credit score, and your driving record.

If a friend wrecks my automobile his/her insurance company will pay – Most people believe that if his/her friend uses the car and if it wrecks, then his/her insurance company is going to pay for repairing the damages. But, this does not apply to all of the policies. Before buying a policy, you will have to check out the coverage offered by the policy.

Cheapest quotes help save money – Another myth associated with auto insurance is that if you can get cheap quotes, it can help you save money. But this cannot be true because if you buy cheap auto insurance, it may not be able to provide you the right level of coverage. That can ultimately result in increased expenses with regards to the automobile.

Minimum liability is required – If your state does not require you to buy automobile insurance on a compulsory basis, you may think it to be a good option to get minimum liability coverage. Though, it is true that minimum liability is all that you need to drive an automobile, accident situations differ from one another. Thus, the coverage required will differ too.

Old automobiles can get you cheaper insurance – Another very common myth associated with auto insurance is that old automobiles cost you less. But, this is a totally wrong notion. Old automobiles are harder to maintain and thus can cost you more.

Insurance company can cancel policy at any moment – Many people believe that insurance company can cancel policy at any moment. But, this cannot be a situation where you are paying the premiums. Once a policy is signed there are some terms and conditions that both you and the insurance companies are supposed to follow.

So, here are some of the common myths associated with auto insurance which needs to be debunked.

 

2011 Car of the Year is Chevrolet Cruze

Best Car to Buy Now – 2011 Chevrolet Cruze was awarded as the 2011 Car of the Year (COTY) in the 7th Manila International Auto Show (MIAS) held at Word Trade Center (WTC) in Pasay City last April 7, 2011. On April 8 until 10, the last day of the auto show, a brand-new 2011 Chevrolet Cruze was displayed at the WTC lobby so that visitors and car enthusiast alike could see the best car to buy now hailed as the new king of the road.

Car Awards Group Inc., (CAGO), a nonstock, nonprofit organization and the brain behind Manila Motor Show, pooled together some 50 motoring journalists as panel of judges that rated car nominees according to their own tastes and perspectives.

Chevrolet Cruze: The Car of the Year 2011

This year’s COTY, is a car that marries both savings and substance. I think this Chevrolet Cruze reflects the smartest choice that offers Filipino car buyer true value for money.

Here’s a Chevrolet Cruze Pricelist I got from Chevrolet Philippines:

*1.8-Liter DCVCP and VVT ECOTEC DOHC L, 5-Speed, Manual Transmission – Php 838,888.00

*1.8-Liter DCVCP and VVT ECOTEC DOHC LS, 5-Speed, Manual Transmission – Php 888,888.00

*1.8-Liter DCVCP and VVT ECOTEC DOHC LS, 6-Speed, Manual Transmission with Tiptronic Feature – Php 938,888.00

*1.8-Liter DCVCP and VVT ECOTEC DOHC LT, 6-Speed, Manual Transmission with Tiptronic Feature – Php 1,078,888.00

*2.0-Liter CRDi Diesel Engine with Turbo Intercoller LT, 6-Speed, Manual Transmission with Tiptronic Feature – Php 1,228,888.00

2011 Chevrolet Cruze has 10 great features I’m sure you’ll love, for this car of the year award will be useless if you will not love this 4-Door Compact Sedan!

2011 Chevrolet Spark: 10 Things You’ll Love This Mini-Passenger Car

The All-new Chevrolet Spark is the stylist result of a global effort. A top-caliber collaboration of design experts from around the world possessing 100 percent of Chevrolet’s unique soul and sensibility put out their best to open a whole new dimension of possibilities. The Chevy Spark was specially designed to raise the bar of the mini-passenger car driving experience as it is built to live up to your active lifestyle.

Chevy Spark evokes both coolness and sassiness through its edgy, fun and stylish design. It’s modern design works awesomely with its practicality and ultimate performance best suited for the urbanites. All is achievable with its youthful, massive appeal and level of classiness coupled with fuel-efficiency that only an iconic name like Chevrolet can offer. Whether it’s within the confines of the city limits or out on the open road, a great-looking car has to be as impressive to drive as it is to look at… and the 2011 Chevrolet Spark is all that and more.

Chevrolet Spark

 

10 Things you’ll love about the Chevy Spark:

 

1. The Chevy Spark is the only mini passenger car built on a global platform that was made to withstand different road condition all over the world.

 

2. Its signature LED-lit instrument cluster shows a fusion of functionality and modern design. Chevrolet’s trademark ‘dual cockpit’ layout is accentuated with textured inserts that flow from the instrument panel to each side of the cabin doors, adding a distinct design element to the interior.

 

3. Let fuel expenses be the last things on your mind when you drive along with your loved-ones. The Spark’s 1.2-liter 4 Cylinder 5-TEC II DOHC engine M/T delivers superb power with utmost fuel efficiency for those who loves to drive. So just go on and experience a hassle-free and smooth drive.

 

4. First and only one in its class with LED-lit instrumentation knobs and gauges. LED lighting provides easy-to-read information for the driver utilizing a combination of analog and digital displays. With a built-in AM/FM tuner with CD/MP3 capability and AUX connectivity, you can enjoy your favorite playlist anywhere, anytime.

 

5. Standard roof rails provides additional cargo capability and its rear spoiler enhances the Spark’s sporty look.

 

6. Ample storage comes in handy for important documents and loose items. With sufficient  cup holders and compartments, it would surely make your every drive easy and hassle-free.

 

7. Standard rear glass hatch wiper enhances rear visibility on bad wheather conditions.

 

8. The Chevrolet Spark has smart space utilization that will suit your everyday activity what ever  may be.

 

9. Zip about town with its nifty and solid handling. Feel safe and secure with its sophisticated power features which includes power steering, power windows, power side mirrors and power door locks that will ensure you and your passenger’s safety and well as allow you to enjoy convenience in a jiffy.

 

10. Standard keyless entry with anti-theft alarm and electronic immobilizer add to your vehicle’s safety and security.


I’m sure, you’ll love this 2011 Chevrolet Spark!

2011 Chevrolet Cruze: 10 Things You’ll Love About this Compact Sedan

Chevrolet’s new look ignites the senses with its modern styling, confident stance, dynamic performance and agile handling. With brand new features such as six-speed automatic transmission with manual mode, 1.8 liter ECOTEC engine wth DCVCP and VVT build for performance and fuel economy, MP3/USB/AUX capable audio system, Euro NCAP 5-Star safety rating, and overall class-leading quality and refinement, the Chevy Cruze is aimed and poised to redefine the compact sedan segment.

Chevrolet Cruze Compact Sedan

 

1. Standard doesn’t mean bare. The Chevy Cruze L is equipeed with power locks, power windows, power mirrors, anti-lock braking system and 16” alloy wheels.

2. The 6-speed advantage. Automatic variants come with standard 6-speed automatic transmission with manual mode.

3. Choose your music. The Cruze with a 6-CD player, AUX input for your MP3 player, USB input, and steering audio controls, matched to a premium sound system.

4. Safe and secure. Every Chevy Cruze has Anti-Theft and Burglar Alarm with Immobilizer.

5. Lower fuel costs. The Chevy Cruze runs on unleaded 93 gas. Yes, the less-expensive kind.

6. The Cruze LT A/T offers luxury for less. The Cruze LT is armed with power amenities, keyless entry, automatic trunk, auto-climate control, leather seats, reverse parking sensors, 17” wheels with disc brakes, traction control, rain-sensing wipers, foglamps… and the list goes on.

7. It’s your car and your time. With a 10,000 km PMS interval, the Cruze saves you more of your valuable time.

8. Find your driving position. Each Cruze has a height-adjustable driver’s seat and a tilt and telescoping steering column.

9. No drain. Every Chevy Cruze has Battery Run Down Protection, preventing incidents such as leaving your headlights on from exhausting your battery.

10. Ace of space. A wide track and long wheelbase gives the Cruze bigger interior cabin space and trunk space.

I’m sure you’ll love this All-New Chevy Cruze!

Low Interest Auto Loans – Tips To Get Lowest Auto Loan Interest Rates

Unless you're paying cash, it is no wonder that you are searching for low interest auto loans. Getting the best auto loan rates just makes good financial sense. However it takes a little work to find the lowest interest, simple work that most people are unwilling to do. Here are some tips to get the lowest auto loan interest rates.

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