Honda Accord Acura

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Just as you service your vehicle frequently, you should 'tune-up' your auto insurance policy at least once a year. Several variables change from year to year that can lower your auto insurance premium. However, you do not need to sacrifice good coverage for lower rates. There are at least nine easy ways to reduce your auto insurance rates:

1) Comparison shop

2) Increase the deductible amount

3) Reduce coverage for older vehicles

4) Reduce auto-theft risk

5) Include safety features

6) Maintain a good credit record

7) Monitor your claim history

Take advantage of discounts

9) Choose low-risk vehicles

1) Comparison-shop

Whether you are purchasing auto insurance for the first time or renewing your coverage, it is important to comparison shop. Insurers have different rates, discounts and coverage options. Comparison-shopping allows you to take advantage of them. The most important thing is not to shop around on premium alone but on the value that you get for your premium and how well it suits your needs.

2) Increase deductibles

The deductible on an auto insurance contract is virtually a self-insurance amount. The insurer does not compensate for damages below the deductible amount. If you raise your deductible, the insurer will reduce your premium rate because you reduce your likelihood of making a claim. Even so, the deductible should represent what you can comfortably afford to pay out of pocket.

3) Reduce coverage for older vehicles

As a rule of thumb, if your insurance premium is more than 10% of the compensation you are likely to receive from the insurer, you should reduce the amount or type of coverage. You can dispense with insurance coverage like collision or comprehensive coverage for older vehicles or those with a low market value.

4) Reduce auto-theft risk

If you install anti-theft devices- keyless entry remote controls, car alarms or steering wheel locks- you will provide deterrents for car thieves. In addition, you can save as much as 10% on your auto insurance premium (and prevent inconvenience) simply by doing this. Car recovery systems may not prevent theft, but will increase the likelihood of your vehicle being found- leading to a reduction in premium as well.

5) Include safety features

Anti-locking brake systems, parking sensors and air bags are some features that help to prevent accidents. In the case of airbags, you lessen the risk of bodily injury in the event of an accident. Insurers recognise your effort and reduced risk with lower premiums.

6) Maintain a good credit record

Insurers consider drivers with good credit better insurance risks. Paying your auto insurance premium on time will assist in maintaining a good credit score as well. If you need to switch auto insurance providers, you should do so in writing. Cancelling a policy because of non-payment will reduce your credit score, which may inflate your premiums.

7) Monitor your claim history

You should report all accidents/ damage to insurers without necessarily making a claim every time. Insurers use their claim experience and your claim history to determine insurance rates that are applicable to you. A poor car insurance claim history will increase your premiums.

Take advantage of discounts

Insurers are not always forthcoming about the discounts that they offer or they highlight some discounts over others. You can significantly reduce your auto insurance premium by asking about and taking advantage of one or more discounts offered.

-Multiple-policies discount: Insurers typically offer discounts if you have another type of insurance with them or with an affiliate company within a group.

- Student discounts: Some insurers offer discounts to high-performing students or if your child is in college.

-Safe driver discount: If you maintain a good, unblemished driving record over time, insurers reward this with savings. Defensive driving certificates can also help you qualify as a 'safe driver'.

-Membership discounts: If you are a member of a listed association (e.g. a motor club) or purchase your insurance through an affiliated institutional agent, you can save a lot on your premium.

-Low mileage discount: If you drive less (for whatever reason), your insurance classification may change from 'drive to work' to 'occasional driver' or 'drive for pleasure'. You would not only save on fuel, but on your insurance premium.

-Baby on board discounts: Drivers who have children generally drive more safely.

- Other discounts include renewal (for renewing your policy with the same insurer), age, driving experience and marital status.

This discount-list is not exhaustive. You must check with insurers to determine what they offer and for which discounts you qualify.

9) Choose the right vehicle

The risks of theft, safety and the cost of repairing and replacing parts differ among car models. According to carinsurance.com, models that are high-risk for theft include Honda Accord, Toyota Camry, Ford F-150, Acura Integra, Nissan Sentra, Toyota Corolla and Toyota Pickups. High-tech cars are costly to repair or replace and attract higher premiums. In addition, cars with more in-built safety features yield lower premiums.

Purchasing auto insurance is unavoidable. However, you can and must avoid paying too much for it. By following a combination of premium-reducing methods, you will reduce your risk of damage, bodily injury or theft. More mundanely, you can save up to 50% on your car insurance premiums!

Honda Reconsiders Hybrids for 2008 Sales Growth

Honda Motor Company, Ltd., the second largest automobile seller in Japan, is reconsidering an investment on hybrids and other technologies to cope up with the growing consumer demand for environmentally-friendly vehicles and keep up its sales momentum.

According to Honda President Takeo Fukui, his company has something unique to offer in gas-and-electric hybrids. He ignored the fact that its leading rival in the segment, Toyota, is working so well with the Prius (currently the best selling hybrid) these days.

In a recent speech, Fukui said, “The competition in hybrids has just begun.”

Fukui said that Honda will introduce a hybrid with an affordable price tag in 2009. The company’s target sales are set at 200,000 vehicles a year.

The Japanese company – which produces the Accord sedan and Civic compact – plans to boost its hybrid offerings in the coming years. Fukui said that the plan is part of pushing the company’s sales to about 10 percent higher by 2010.

Fukui mentioned that Honda expects a 6 percent increase in global sales this year at a record of 3.76 million vehicles, compared from 3.55 million units in 2006. Subsequently, he predicted sales growth to persist in 2008. He sees the solid customer demand in the U.S., Europe and Asia, including Japan, to where the company has been struggling. The auto maker is planning to introduce four new models in the said markets.

Earlier this year, Honda discontinued the production of the gas-and-electric version of its Accord sedan. The version was sold only in North America. Just about 25,000 units of it were sold since the company began the sale in 2004.

Toyota, on the other hand, sold approximately 900,000 units of the Prius worldwide since December of 1997. The popularity of the vehicle did not weaken for the past decade on sale.

Last year, the Prius covers more than 40 percent of hybrid sale in the U.S. Though it is far better selling than any other hybrids in the market, Toyota still offers several other hybrid models. That includes the hybrid Camry and hybrid Lexus models.

So far, Honda is still producing gas-and-electric models of its Civic sedan. But, the company is aware of its error in not offering a hybrid-only model such as the Prius. It somewhat regret the moment it did not realize that hybrids tend to be more popular with smaller models because mileage improvements tend to be more distinct.

Now, according to Fukui, Honda is considering an investment amounting to $424 million for a research center in Japan. It will be used to maintain its technological prowess through focusing on the production of next-generation cars, which includes hybrids and fuel cells. It will also focus on research for new technology intended for Honda’s Acura luxury brand models, which will be equipped with quality parts such as the Acura CL cargo liner and other premium auto parts.

In 2009, the center is expected to be partially running. Then, by 2010, it will be fully opened.

Although Fukui declined to provide a price, he said that Honda’s hybrid system costs less than Toyota’s. This fact will allow Honda to offer its planned hybrid at a competitive and more affordable price.

About the Author

Anthony Fontanelle is a 35-year-old automotive buff who grew up in the Windy City. He does freelance work for an automotive magazine when he is not busy customizing cars in his shop.

1999 Acura CL or 1999 Honda Accord?

two cars...

acura cl:
-clean title
-3.0litre v6 efi engine
-no radio/cd player
-146k miles
-cotton/poly plastic interior? (not sure what it is called, it's not leather. its the normal soft interior on standard cars
-clean carfax report

honda accord
-clean title
-3.0litre v6 efi engine
-180k miles
-leather interior
-clean carfax report
-needs 4 new tires

pictures:
acura:
http://i608.photobucket.com/albums/tt167/RMOTORS2009/DSC03447.jpg

http://i608.photobucket.com/albums/tt167/RMOTORS2009/DSC03449.jpg

http://i608.photobucket.com/albums/tt167/RMOTORS2009/DSC03450.jpg

accord:

http://images.craigslist.org/3n73k33l05O25P15Sf99b38e84e549e1917f3.jpg

http://images.craigslist.org/3nb3k93m15O45Q15R599bb2e14b148e831833.jpg

http://images.craigslist.org/3k73p83l25Of5Qd5P599bc27f61dd77f2181f.jpg

I would get the Honda Accord since it looks better but only if its cheaper since it has higher kilometers and the tires need to be replaced. Replacing tires is not going to cost a fortune and you're replacing something that's far more important in keeping the car running than a radio. I think its stupid that the Acura CL has a cloth interior considering that its a luxury car.

Police reports from local municipalities
DORAL A burglar stole two televisions after prying open a front door at a house in the 8600 block of Northwest 112th Court between 12:30 p.m. June 10 and 11:30 a.m. July 7. The televisions were valued at $700. Damage was estimated at $500.

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