Usage Based Auto Insurance – Should You Use Telematics?

Drivers Save Thousands with Usage-based Auto Insurance

There’s no stopping the relentless rise of auto insurance costs. And for some drivers it is very costly. Consider younger drivers who might pay from $2500 to $5500 for annual coverage, or those with multiple speeding tickets and moving infractions.

They have trouble finding car insurance let alone cheap coverage from an insurance company and typically, their rates rise up 100% to 300% more than we pay. They move downtown without a vehicle or live “insurance” poor lifestyles as a result of their circumstance.

Photo Courtesy of Linkedin

You may be in this situation or know some young drivers who can’t drive because of the cost of car insurance. There’s something you need to tell them about. It’s called usage based auto insurance.  UBI lets drivers pay coverage on the driving they actually do and how they do it using a telmatics device.

If you want a lower rate, consider a UBI based insurance policy.





With the telematics devices installed, drivers typically are more conscious of how they accelerate and brake and the types of speeds they travel. UBI turns out to be beneficial for everyone  – it lowers insurance costs. We know drivers drive much too fast, change lanes dangerously, and slam brakes on, and this is precisely where accidents happen.

It doesn’t matter whether you’re driving a classic luxury car, truck, motorcycle, or new electric car, insurance rates will rise. The only recourse you have is usage-based insurance and shopping around for a better quote. When self-driving cars hit the road, auto insurance rates for human drivers will explode.  Get the jump on this and explore usage based auto coverage.




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The Usage based telematics devices help to discourage dangerous driving habits. For young drivers, it’s a godsend because it may prevent them from developing bad driving habits, and helps avoid that first accident.

It’s true, car drivers from Los Angeles to Toronto to Miami to New York are eyeing a new trend in automobile insurance coverage. It’s called usage-based auto insurance.




The global insurance telematics market size is forecasted to grow from US$857 million in 2015 to US$2.2 billion in 2020. That is a $1.3 Billion growth in 5 years. This is a major trend in the auto insurance industry, comparing equally to the enormous trend buying insurance online.

UBI telematics is all about monitoring driving, collecting data, and tying car insurance premiums according to how, where, and how much the driver drives.  It’s being adopted at a faster rate in Europe, however adoption the US and Canada has been a little more subdued. How much can you save with UBI? Some reports have it at about 12%. If your insurer doesn’t offer usage based insurance, consider switching insurance providers. And if you drive a luxury model car, telematics is perfect for certifying your safe driving and limited mileage.




What are Usage-based Car Insurance Policies?

cmtelematics
Photo Courtesy of CMTelematics

The term usage-based auto insurance describes the use of GPS or cellular activated electronic tracking device to monitor the insured driver’s speed, braking and acceleration habits, along with distance and time driven. The policy is normally one where you may be offered good rates in future (a discount) if your driving habits meet the company’s safe driving guidelines. The device may be one affixed to your automobile or could use a plug-in device on your own smartphone. The trend is to use your smartphone’s own software and hardware sensors.

CMtelematics of Cambridge Massachusetts is a leader in telematics technology and they’re leading the charge into smartphone telematics devices. Their claim: “Personalized scores, continuous feedback, and incentives result in better driving behavior. Customers report 34% fewer crashes and 20% less-severe claims.” Their DriveWell technology uses machine learning and statistics to accurately infer key metrics about vehicle mileage, road types, speed, acceleration patterns, phone distraction, and collisions).

What Telematics or UBI devices measure:

  • Braking habits
  • Acceleration and cornering behavior
  • the distance the car travels
  • the time of day the vehicle is driven
  • where the vehicle is driven

UBI insurers are a little vague about how it actually judges driving behavior and by not divulging this, drivers aren’t sure if the UBI system is accurate.  Is UBI simply a strategy to glean more profits from consumers? If drivers are refusing to adopt UBI telematics, it probably indicates distrust.

Some drivers themselves consider UBI telematics a key to encouraging better driving behavior.  And some data now is suggesting that drivers actually do drive more carefully after installing the devices. Researchers aren’t quite certain whether this improving driving behavior is due to a desire to lower their rates, or because it’s a cue to behave more responsibly. Whichever way is true, the use of these tracking devices is a big turning point for the industry  The “Big Data” people are really onboard with this since all of this driving data could be collected and used for commercial, profit-generating purposes. You’d think the insurance firms would be willing to lower your rates even further to gain better access to the data, and to lower accident claims.

UBI Infographics – Driver Attitudes

Surveys are showing a gradual interest in UBI policies if they get a discount. It’s not a reach to say aggressive drivers have no interest in having their driving behavior assessed and a price attached. The aggressive driving factor is the issue that covers gender, age, and even usage matters.

UBI-survey

lexisnexisubi

Who Will Pay for the Insurance Industry?

Like Alcohol and tobacco pay a lot of government bills, bad drivers may actually be where the profit margins are for big insurers. The one lost fact here is that in our society, bad behavior is taxed and punished financially and it’s a big boom to profits when insurance companies such as Progressive, Geico, Allstate, Mercury, Liberty Mutual, etc. have an excuse to raise rates. Bad drivers are actually a profitable group and it’s acceptable to charge them to the hilt (even male drivers who have never had an accident).

With self-driving electric cars on the horizon, the insurance industry is preparing for a substantial drop in revenue. Whether UBI is the way they want to go is questionable. The final thought is that UBI can help drivers save a little on their insurance. As I pointed in my car insurance quote comparison, bigger savings are accrued from shopping online.

Automobile drivers have direct access to hundreds of insurance companies. Are you reaching out to hear them?

Check out insurance for cars and trucks in your city:

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One way to get the lowest car insurance rates is to use a telematics device. If your driving behavior is erratic and aggressive, the insurer may not offer you lower rates so bad drivers may not benefit at all.  However, for responsible drivers, Usage Based Insurance coverage is an option that could reduce your rates even further. If you’re older and not seeing lower rates, the UBI option proves your better driving habits and perhaps that you’re not on the road as much as a younger driver.  With data at hand, it will be tough for the insurance companies to actively discriminate against certain groups of consumers.

TW_Telematic-Infographic-Web600px-NA-2013-33019-v4.indd

 

Porsche’s New 600 HP Electric Vehicle – Fastest EV Cars 2017 2020

Fast and Furious Electric Cars from Porsche, Lamborghini and Maserati

If you wondered when the luxury sports car brands such as Porsche, Lamborghini and Maserati were going to catch up on the electric car revolution, well, they’re getting serious about it. The big European sports car names are actually poised to do well provided they can get funding to build these high powered EVs.

The electric car generations won’t mean the old luxury sports car brands will left in the dust. With model names such as the Mission e, The Vitola, and the Alfieri, and high speed acceleration and driving distance, they’ve got plenty of marketing and engine power to propel them to stardom.

Porsche for instance, is creating a new high performance electic vehicle dubbed the Mission E.  Yet they’ll only be producing 20,000 of the vehicles per year, beginning in 2020. Will your insurance company give you a break on your insurance quote if you buy one? Ummm, maybe not.

 

Autocar.co.uk likes Porsche keeping true to its modern design:

“The smooth surfacing treatment and exquisite detailing throughout endows the new car with puristic look in keeping with the timeless appeal of all great classic Porsche models. However, there is also evidence of progressiveness in the way Porsche also eschewed traditional headlamps for distinctive LED assemblies boasting the four point graphic of recent models.”

porschemissione
Photo courtesy of Business Intelligence

Is 600 HP Going to be Enough?

The car will have 600 hp via 2 electric motors giving it a top speed of 150 mph, and an estimated driving distance of 310 miles. Porsche has a concept car built and the built models coming are thought to be comparable to the upcoming Tesla Model 3.  The charge up will be quick at 15 minutes to get 80% charge. The batteries are placed evenly throughout the full length of the chassis.

Business Insider reports that it can reach 150 miles per hour and can go from zero to 62 miles per hour in just 3.5 seconds.  That’ll pin you to the seat.

The Mission E won’t have side mirrors. Instead, it’ll use side cameras and display a holographic image on the windows. Wow, that’s innovative. The future really is here.

The Porsche Mission e Vital Stats

  • Power: 600 (440 kW / 800 Volt motor)
  • Acceleration: 0 to 60 in 3.5 seconds, 0 to 200kph in 12 seconds
  • 21″ front wheels and 22″ rear wheels
  • driving range: 500 kilometers on a single charge and 15 minutes to recharge for another 400 kilometers of range
  • lithium ion batter can be charged at conventional 400-volt stations
  • total weight 2200 kg or 5000 lbs (very heavy)
  • length: 4.85 meters
  • two storage trunks
  • body composition is mainly steel and aluminium, with carbon composites




porschemissione2
Photo Courtesy of Business Intelligence
porschemissione3
Screen Capture courtesy of Porsche.com
porschemissione4
Screen Capture courtesy of Porsche.com
porschemissione5
Screen Capture courtesy of Porsche.com
porscheinterior2
Screen Capture courtesy of Porsche.com

Not to be outdone, Lamborghini is planning its own rival super electric car. Road and Track says it’s it’s going tob ecalled the Vitola, and it will hit 60 mph in 2.5 seconds with a top speed of 186 mph.

lamborghini

And Maserati is also entering the high performance ecar games with its concept called the Alfieri.

maserati ecar-alfieri
Screen Capture courtesy of Maxim
maserati ecar
Screen Capture courtesy of Maxim
maserati ecar2
Screen Capture courtesy of Maxim

And Bentley is ready to move into the EV market too.

Read up on the new much anticipated electric vehicle from Tesla.

Check out insurance for cars and trucks in your city:

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One way to get the lowest car insurance rates is to use a telematics device. If your driving behavior is erratic and aggressive, the insurer may not offer you lower rates so bad drivers may not benefit at all. Check out this solution for lowering insurance rates for teen drivers.

Solar Energy Forecast 2018 – Rising Electric Rates will Power up Home Solar Power Sales

Home Solar Systems – Smart Investment

I was driving through a very nice, modern neighbourhood yesterday and noticed two homes had brand new solar panels on the roof. I liked them and I’ll bet a lot of homebuyers would pay a premium for solar-powered homes.

A survey actually discovered that green friendly homes can grab a premium.  All the houses on the street were attractive but these solar homes stood out. I’d say this will be a trend in 2018.

Yet there’s many more reasons why solar still makes good sense.  The future cost of electricity will be the biggest. Check out the forecast of solar energy systems and the rising price of electric power below.

Although new types of power generation are evolving, and natrual gas is cheap, there is no way they can keep up with demand in North America for electric power.

And it’s one thing to generate electric power.  It’s another to transport it to where it’s needed. It must be produced where it’s used. In 5 years when more electric cars are on the roads, the price of electricity will be painful.




As you’ll see in the stats and videos below, home electricity prices are a big concern and homeowners may not realize what’s coming. The forecast is for rising prices. Will home solar power generation provide a shelter to the coming storm?

Hydro Horror Stories

A good example of the electrical power horrors ahead comes from Ontario, Canada where politics at many levels and greed are rocketing power rates. A cycle of political decisions have lead to a lack of new power generation sources and a poor commitment to alternative energy. Power generation is expensive here and the future looks a little anxious.




In California, home owners are going solar before they retire.

The province is heavily dependent on 3 nuclear power plants, however one is going to be shut down. Ecological ideology has closed all coal power plants too. A big gas powered plant in Toronto was abandoned shortly after it was being built. That resulted in a huge loss and debt for Ontario residents. Saddled with huge debt, the Ontario government is addicted to the revenue from power generation. Is it the same in California, New York, and Massachusettts?

The Ontario Power Corporation sold off some jurisdictions where it monopolized power production. It sold pieces to private companies because it needed the cash (the current government is being sued by the people of Ontario). Although the industry is regulated in Ontario, there is plenty of opportunity for scams and gouging of consumers. And they’re happening.

Sharing is good for your Social Health. Pass this post to your friends and family whether they’re looking for an exciting new career, or are retiring in a home that may be bad for their financial health.




Here’s a look at power prices in Ontario over the years courtesy of Ontario-power.com:

Screenshot of Chart Courtesy of Ontario-power.com

And these are what typical electricity rates look like:

Screenshot of Chart Courtesy of Ontario-power.com

That’s an average increase in power cost approaching 270% over 16 years.  In some cities, the per kwH electricity rate is around 27 cents during a good part of the day when homeowners including seniors use electricity. That translates to over 300% higher than normal rates.




It’s no cheaper across the US. Here’s the 2015 electricity rates across all states (from the Nebraska state government) including very high rates for New York, New Jersey, Alaska, Hawaii, California and Massachusetts.

Ranking State Avg Electricity Rates
(Cents per KWh)
1 Hawaii 26.2
2 Alaska 17.9
3 Connecticut 17.8
4 Rhode Island 17.1
5 Massachusetts 16.9
6 New Hampshire 16.0
7 California 15.5
8 New York 15.3
9 Vermont 14.4
10 New Jersey 13.9
11 Maine 13.0
12 Maryland 12.1
13 District of Columbia 12.1
14 Delaware 11.2
15 Wisconsin 10.9
16 Michigan 10.8
17 Florida 10.6
18 Pennsylvania 10.4
19 Arizona 10.4
20 Kansas 10.1
21 Ohio 9.9
22 Colorado 9.8
23 Minnesota 9.7
24 New Mexico 9.7
25 Mississippi 9.6
26 Georgia 9.5
27 South Carolina 9.5
28 Nevada 9.5
29 Alabama 9.4
30 North Carolina 9.4
31 Tennessee 9.4
32 South Dakota 9.3
33 Virginia 9.3
34 Missouri 9.3
35 Illinois 9.3
36 Nebraska 9.0
37 Montana 8.9
38 North Dakota 8.9
39 Oregon 8.8
40 Indiana 8.8
41 Texas 8.6
42 Utah 8.6
43 Iowa 8.5
44 Arkansas 8.2
45 Idaho 8.1
46 West Virginia 8.1
47 Kentucky 8.0
48 Wyoming 8.0
49 Oklahoma 7.8
50 Louisiana 7.6
51 Washington 7.4

 

Given that demand will grow exponentially over the next ten years, the rate of power per kwH will balloon.

There’s another reason power rates will jump. Governments are desperate for money and they’ll have to tax electricity at a higher rate. If there’s a drop in revenue from oil and gas, that will have to made up in taxes on electricity. Power is generally a monopolized industry, thus allowing power generation companies to pad their revenue and really put it to power consumers. They’re in it for profit and will find a way to leverage an oligopoly or monopoly. When haven’t companies used the opportunity to take advantage of consumers?  Taxes, debt and profiteers will drive power costs through the roof.

Where is the Demand for Electrical Power?

Industry draws most of the power and as economies rev up, more power is drawn. And electric vehicles draw huge amounts of power.  As more people buy electric cars, e-bikes, and ride in electric buses and taxis, the power rates will jump. Donald Trump is reviving coal powered power generation and that will help reduce the danger ahead. Yet it won’t be enough. It wasn’t enough to stop the rise before.

Is There a Solution?

Right now, it’s in expensive coal powered plants, marginally productive wind powered turbines, gas powered plants, solar farms in the desert, and nuclear power plants. Will nuclear plants save the day? Almost no one wants nuclear power (Fukujima). The potential for disaster is proven, and these plants leak out radioactive wastewater accidentally on a frequent basis. Geothermal is another big potential generator but the power plants are very expensive and politicians such as Trump are against more debt. America has trillions of debt already.

Mega-sized desert solar plants are the first savior to come to mind, yet they won’t be able to produce enough power for a nation. It’s not enough

The real solution will be to keep gas powered vehicles on the road. Because electric cars consume huge amounts of power, the actual demand for power across the U.S. is mind boggling. How many terrawatts will be needed?
For homeowners, the savior is home solar power systems, yet people in Northern climates will be challenged to produce enough via solar.  They’re more or less prisoners to traditional electrical production and its prices.

The Rise of the Electric Vehicles

We all enjoy the romantic picture of zero emission electric vehicles. So alluring to think of New York, Chicago and LA with no choking, health killing smog. Yet electric power vehicles, trucks, golf carts, bicycles and seniors scooters must draw power in big quantities. Someone is going to have to produce that power and transport it to places like LA, New York, Philadelphia, Seattle, Chicago, Toronto, Montreal, Boston, Vancouver, Denver, and St Louis.

A recent post on Bloomberg.com tells of a coming crash in oil prices due to the rise of electric vehicles. It’s a fascinating article, however, it doesn’t discuss where all the power is going to come from to fuel these cars and trucks.

This graphic shows battery cost is falling which will accelerate sales of EVs.  That’s when the demand for electricity will rocket. The power companies will become cartels able to get whatever price they want.

Power transmission is a huge problem. Moving electricity across huge grids is expensive and there are huge power losses during transmission. And building power grids is very expensive.

Instead, consumer will need to create their own power via roof solar panels. But hold on, people living in giant condo towers won’t be able to generate their own power. They will burden the demand more.

Residential power users will need to shield themselves from fast rising electricity costs and they can do that by installing home solar power systems. That will solve their need for home electricity. But for their new electric vehicle (which are selling like hotcakes right now), the power rates will rise higher than gasoline. It takes a lot of power to move a 5,000 lb electric Porsche or a Chevy Bolt EV.

This post on Edmunds.com shows the cost of recharging an EV.  Right now, it’s a reasonable price and much better than gasoline, but down the road is where it gets pricey.

So while the EV revolution promises to rid Americans of dependency on Middle East oil, it creates another dilemma.




Solar PV Power Installation Growth

The growth in Solar power installations is impressive as you can see in this graph below. Commercial farms don’t do much for most residents who will still be prisoners to high prices.

Solar Jobs

Here’s an indutstry to working in. Tell your kids and nephews and nieces to check out the solar industry.  It’s a great way to launch their own business and do very well.

Chart courtesy of s-sparq.com
Graphic courtesy of CNNmoney

In times of crisis, opportunity appears. Homeowners without their own home solar power system will be vulnerable to very high electricity rates. There are business opportunities and money saving opportunities here. Take a closer look and perhaps you won’t need to worry too much if you’re retired in Costa Rica.

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2018 Electric Vehicles – Tesla BMW Chevy Mercedes Toyota Buyers Guide

Best Electric Cars for 2018

The bst new electric cars of 2018 will have features and benefits you might never have expected, but be delighted with. They’re great in the winter, have the best driving mileage you can get, and best of all, the car heater heats up instantly!

Dispel all the myths about EVs, because they are all the rage for car enthusiasts.  All those Teslas that pass you on your commute are performing very well.  It’s not an illusion. Tesla isn’t the only EV manufacturer although Tesla’s are exceptional vehicles.

Please bookmark this page as it will be updated with new models as they are released. Sharing is good for your social health!




It wasn’t long ago that the electric automobile was just wishful thinking for commuters stuck in heavily congested traffic watching their money burn. Many of us can remember the choking commuter smog at its worst and pondered the implications for our long term health. The demand for the electric vehicle was born with that along with lower wages and the high priced gasoline that drained our bank accounts.




Perhaps electric vehicles won’t lower our auto insurance rates much for 2018, but the savings on fuel is something to consider (estimated 1/5th of gasoline cost). The matter is more prounounced for California drivers is more pronounced because of the state’s demanding emissions restrictions.

With more electric fueling stations,  better EVs, a much lower price of electricity, and less money leaving the country to Saudi Arabia, we’ll have more reason and cash to buy an electric car. There are 14 fully electric cars for you to consider below and 14 questions you need ask before buying.




What a fun topic electric vehicles, solar shingles, and home fuel cells are. There is so much potential for launching new types of businesses serving the alternative energy market such as solar power installation companies. You’re limited only by your spirit and imagination.

teslamodel3
Image courtesy of Tesla

The new Tesla Model 3 and Toyota Prius vehicles have dispelled our myths about acceleration, speed, and distance. The Tesla’s 200+ mile distance is eliminating many of the barriers to electric car adoption.

And future electric powered vehicles will offer more impressive cost savings, price, and performance for drivers from Miami, to Toronto to Los Angeles. The much awaited Tesla Model 3 has some outstanding features which you can hear in the video below.

Tesla will be producing their lithium ion batteries in Nevada at their Gigafactory location.

“Tesla’s mission is to accelerate the world’s transition to sustainable energy. To achieve that goal, we must produce electric vehicles in sufficient volume to force change in the automobile industry. With a planned production rate of 500,000 cars per year in the latter half of this decade, Tesla alone will require today’s entire worldwide production of lithium ion batteries. The Tesla Gigafactory was born of necessity and will supply enough batteries to support our projected vehicle demand.” from the Tesla website.




No one has pursued the dream of the electric vehicle with more passion than Elon Musk. Now here’s a US start up entrepreneur that’s caught everyone’s imagination and his comments and business goals carry a lot of respect from drivers, scientists, investors and eco-conscious legislators.  Musk is making us believe in the electric power dream so many have had for decades.

Musk’s company just purchased Solar City, a solar shingle manufacturer headquartered in San Mateo CA, thus positioning Musk’s company firmly in 3 fast growing manufacturing sectors: electric automobiles, power storage, and solar power generation.

Much of the success of Musk’s growing empire may hinge on the development of batteries with massive storage capacity. Batteries have come a long way of recent and there’s no doubt the pace of research and development will continue. Money always launches creativity!




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Auto Insurance: Get the best quotes on Los Angeles car insurance, Toronto car insurance, and San Francisco auto insurance. Don’t just renew your auto insurance with your current insurance company when you can search and find a better rate online. Check out my popular blog on how to save on auto insurance.




What to Consider When Buying an Electric Vehicle

  1. Can you power up the EV at your workplace?
  2. how long does it take to power up the car batteries?
  3. does it have enough acceleration to get safely up to highway speed on a highway onramp?
  4. how much does the power actually cost per month compared to gasoline?
  5. how much more does the electric vehicle cost?
  6. how far can you drive till you need to recharge?
  7. should you buy a hybrid vehicle to extend the distance?
  8. will electric cars perform well in very cold climates in winter?
  9. how long will the batteries survive before needing to be replaced and what is the warrantee period?
  10. should I wait until Tesla has all the charging stations in place in my city?
  11. how long do electric car motors lasts?
  12. what rebates and incentives are available in my city or state?
  13. what will need to maintained and repaired on the vehicle through the years ahead?
  14. where will the charging stations be in all states?

That’s 10 key questions to ask before you buy your electric vehicle. Check out the top rated EV’s and how many miles they get on a charge. Tesla model EVs are well ahead in performance.

electric cars compare
Graphic Courtesy of HowtoGeek.com

Find the lowest insurance rates for an electric powered vehicle (EV) in your city: Los Angeles car insurance, Boston auto insurance, Phoenix car insurance, San Francisco car insurance, San Diego car insurance, Seattle car insurance, New York car insurance, Indianapolis car insurance, Detroit car insurance, Philadelphia auto insurance, Toronto automobile insurance, or Chicago car insurance.




Electric Car Purchase Incentives

The US federal government offers a generous $7500 rebate for electric car buyers. You can read more about incentives in your state here.

In Ontario, Canada, the provincial government launched an initiative to help those in Toronto and other Ontario cities to purchase electric vehicles. Ontario’s first Electric Vehicle Incentive Program was launched in 2010 but has recently been upgraded by the current regime. Here are the upgrades that were announced:

  • Increase the current incentive range for EVs from $5,000 – $8,500 to $6,000 – $10,000
  • Provide an opportunity to receive an additional $3,000 incentive for vehicles with larger battery capacities
  • Provide an additional $1,000 incentive for vehicles with five or more seats
  • Continue to provide incentives linked to battery capacity of more than 5 kilowatt-hours

Although these vehicles are priced a little higher, these incentives can really help make a difference.

Car and Driver Magazine Review of Electric Cars

You can check out Car and Driver’s review of electric cars online. They have reviewed the top 12 EVs which include:

  1. Tesla Model 3 – $35k – Driving distance city: 200 miles
  2. Kia Soul EV – $33k to $37k – Driving distance city: 120 miles
  3. Volkswagen e-Golf — $30k to $36k – Driving distance city: 126 miles
  4. Chevrolet Bolt eV — $37k to $41k – Driving distance city: 128 miles
  5. Fiat 500e – $33k – Driving distance city: 122 miles
  6. Ford Focus Electric – $30k – Driving distance city: 110 miles
  7. Honda Clarity – $60k (powered by hydrogen) – Driving distance city: N/A
  8. Hyundai Tuscon Fuel Cell – $51k – Driving range city: N/A
  9. Mitsubishi iMiEV – $24k – Driving range city:  – 126 miles
  10. Nissan Leaf – $30k to $37k – Driving range city: 124 miles
  11. Smart 42 Electric Drive – $25k – Distance city: 122 miles
  12. Toyota Mirai – $59k – Distance city: 67 miles
  13. BMW i3 – $43 to $47 – Driving distance city: 127 miles
  14. Mercedes Benz B Class Electric Drive – $43k Driving distance city: 85 miles

Who won the battle of the electric cars? The Chevy Bolt EV.

The Chevy Bolt EV’s provided the acceleration and driving experience that Car and Driver believes consumers want most.  They found it’s battery powers a 200-hp electric motor for 96 MPGe and a 75-mph highway range of 190 miles.  Wow, that is impressive and it makes anyone thinking about cross country drives thinking they can do it in an EV.  It rides well over rough roads and acceleration an acceleration of 60 mph in 6.5 seconds is noteworthy.  Top speed is 93 mph.  The price is about $37,000 for a 4 door model. In the US is there is a $7500 tax credit available.




How does that compare to the expensive Tesla Model 3?

 




Auto Insurance for Your New Tesla EV

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Auto Insurance Quote Philadelphia – Get the Lowest Rate in PA

Finding a Better Auto Insurance Rate and Policy Takes a Effort

If you’re in the habit of sticking with your current auto insurance company without a glance at who is offering lowering rates, are you doing yourself a favor? How about considering the possibility that some Philadelphia or Pittsburgh based insurance companies are willing and even eager to get your business at a lower price?

It’s true, so put Geico, Allstate, Progressive and other big brands out of mind and start checking around for secondary market providers who give you much better rates. The savings can be significant. But don’t jump at the first offer. Remember to let national insurance brands and local Philly brokers compete for your auto insurance business. When they compete, you have power.

Just as they are in Denver, Salt Lake City, Minneapolis, Green Bay, Detroit, Indianapolis, and Boston, winters are harsh in Philadelphia and winter means road risk and higher quotes.  So search for a better insurance quote right now, but don’t accept an offer before you’ve done a few things to lower your liability. It’s all about risk and liability in car insurance. Check out whether driving an electric car might provide lower insurance costs.




Here’s 3 things you can do to get a better auto quote in Philadelphia:

  1. buy winter tires – the softer rubber and deep tread help give you traction and lower the risk of you rear ending another driver near an intersection, and how many times per winter do you see that happen? And what do you think happens to their insurance rate?
  2. look into usage-based insurance which lets the insurer see how you drive, how far, at which times, and where you go. If you don’t drive much during dangerous times over long distances, and you drive well, usage based auto insurance could substantially lower your truck or car insurance costs
  3. bundle your home and auto insurance. These companies will give you a discount if you open other policies with them, so use your need for home insurance as an asset in this case

Insurance Buying Tips for Philadelphia Drivers

Check out these super saving tips for cutting car insurance costs and getting better auto coverage.

Your car insurance rate will depend on what  neighbourhood in Philadelphia you live in and what route you might take to get to work. Those commutes to work is where the liability for the insurer is.  Longer commutes raise the likelihood of an accident and an insurance claim. Not much you can do about where you live and work, however insurance companies rate the liability differently. Some companies don’t want your business and thus raise their rates, while others are eager to have you on board and will offer the lowest quote. The ones who are more aggressive in getting visibility online and offering you a visibly lower quote are your best choices.

Finding the best auto insurance in Philadelphia isn’t all that hard.

Just keep persisting in searching and they will get in front of you on your screen. We can’t say it strongly enough, that persistence is the key. Set aside a good amount of time for searching for insurance and have a spreadsheet ready to record the prices they quote.  Collect at least 8 quotes from insurers so you can feel assured that you’ve done your best.

It’s a good feeling to know you put the effort into finding and saving. Savings of $10,000 over 6 years is possible as explained in the savings post.

It’s your right to be the lowest auto insurance quote possible.




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Auto Insurance Quote Minneapolis St Paul – Minnesota’s Lower Rates

Get the Lowest Auto Insurance Rates in Minneapolis

Too often, Minnesotans let their auto insurance policy turnover and begin another year of overpaying for auto coverage. Don’t let this be you. There’s a way to lower your car insurance in Minneapolis, and as you can see from this post, you can save up to $10000 over 6 years by just looking for a better policy. How easy is that?

As you’re shopping online for a lower auto quote, avoid accepting the first offer. Come on, this is big money you can save.  How long does it take you to work for and save $10,000?  3 months, 4 months? How about a part time job for the whole year?  That’s right, it’s the same thing. The big insurance brands and local Chicago companies compete for your auto insurance business. When they compete, you have power.

Drivers in Chicago, New York, Boston, Philadelphia, Indianapolis, Los Angeles are all paying too much as well. Everyone can save money by searching for a better insurance quote online. Don’t accept an offer before you’ve done a few things to lower your liability. It’s all about risk and liability in car insurance. Check out whether driving an electric car might provide lower insurance costs.




Saving on Car Insurance is Just Plain Smart!

 

Here’s 3 things you can do to get a better auto quote in St Paul Minneapolis:

  1. buy winter tires – the softer rubber and deep tread help improve traction and lower the risk of you rear ending another car near an intersection, and how many times per winter do you see that happen? And what do you think happens to their insurance rate?
  2. look into usage-based insurance which lets the insurer see how you drive, how far, at which times, and where you go. If you don’t drive much during dangerous times over long distances, and you drive well, and usage based insurance for cars could give you a nice disount on your insurance quote.
  3. bundle your home and auto insurance. These companies will give you a discount if you open other policies with them, so use your need for home insurance and as asset in this case

Lower Insurance for Minnesotans

If you’re not aware of how much you could save or what you could do to reduce your insurance costs, check out these super saving tips for reducing car insurance and improving your level of coverage whether you have a gas powered or electric powered vehicle.

The insurance rate you’ll be paying depends on which neighbourhood in St Paul Minneapolis you reside in and the route you drive to your place of employment. The long commutes from the burbs into congested city areas to work is where the risk of accident claims happens for Minnesota insurance companies.  Some insurance companies don’t want you as their customer and will raise their rates for you and your vehicle.  Others however may be eager to have you on board and will offer the lowest quote. It’s up to you to find them in 2017.




Minneapolis Auto Insurance Agencies

State Farm: Brandon Walter Insurance Agency
222 S 9th St #270,
Minneapolis, MN 55402, USA
612-843-8444

Allstate Insurance Agent: Ed Scislow
5208 Bloomington Ave,
Minneapolis, MN 55417, USA
612-353-5410

Mary Trondson – State Farm Insurance Agent
1215 Lagoon Ave,
Minneapolis, MN 55408, USA
612-823-4111

American Family Insurance Agent – Dawn Bartell
4649 Bloomington Ave,
Minneapolis, MN 55407, USA
612-333-5554

Finding the best auto insurance in Minneapolis isn’t all that hard.

Start and continue your online search and make it fun process where your goal is to record each insurers offer and compare the difference over one year or ten years. You may end getting lazy and staying with them so it’s better to choose the right one now. Set aside lots of time for searching for insurance. Collect at least 8 quotes from insurance companies or brokers to ensure you do get the lowest.

It’s a good feeling to know you put the effort into finding and saving. Savings of $10,000 over 6 years is possible as explained in the savings post. Here’s to you not having to get a part time job, and hoping you’ll spend that extra $10,000 on a nice trip to Costa Rica.

It’s your right to be the lowest auto insurance quote possible. Take it.

 

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Car Insurance Pittsburgh

The Lowest Auto Insurance Pittsburgh

How do You Get The Best Auto Insurance Quote in PA?

Whether you’re in Pittsburgh, Philadelphia, Washington DC, or Charlotte there is a better way a better auto insurance quote — search online. The lowest auto insurance in Pittsburgh won’t come to you. Start searching and demanding the optimal coverage and the cheapest rates.  You’ve see how you can save $10k over 6 years by getting multiple quotes. Once insurance companies in Pittsburgh realize you’re searching hard, they’re going to come up with more competitive quotes. And you’re free to choose the one that offers the maximum benefits, top customer service and premium discounts.

Get your premium discount via a broker or via an online insurer providing national coverages. It’s tough to guess who will have the best rates. You’ll find out when you search.

Search for auto insurance Philadelphia, car insurance Boston, truck insurance Pittsburgh, and auto insurance quote in Chicago now.



Cleveland auto insurance brokers are an especially interesting option since many have their own insurance companies and underwriters they refer customers to get quotes from.  Just like any Ohio insurance company, they are interested in making a big profit. That’s why they’re in business. The key is to let other people pay those big profits, while you get rock bottom quotes.

It’s proven that the only way you will get rock bottom, lowest insurance quotes, is to shop around, nto in Cleveland, but online. Insurance companies are resistant to this shopping around idea, and they’ll make you work really hard to get a quote out of them. They know they’re not offering the lowest rates nor policies with good benefits. By shopping, you can save and you might get those features you absolutely want such as free roadside assistance and free rental car.

Where the biggest savings for Pittsburgh drivers come from:

  1. buying a cheap, older model car to drive to work
  2. buying usage-based policies
  3. keep your credit rating high
  4. don’t carry collision coverage
  5. install an anti-theft device on expensive car or truck
  6. bundle your home insurance with your auto insurance

Pittsburgh drivers can get into the auto insurance savings mode and find your lowest cheapest car insurance quote possible. You’ve got the power to shop and save on your next auto policy!



Check out insurance for cars and trucks in your city:

Pittsburgh Auto Insurance Agents

McIlrath Insurance Agency
4601 Clairton Blvd,
Pittsburgh, PA 15236, USA
412-882-9000

Feeney Insurance Agency
1350 Old Freeport Rd,
Pittsburgh, PA 15238, USA
412-963-8850

Nationwide Insurance Agency
600 Grant St,
Pittsburgh, PA 15219, USA
412-415-1954

 

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One way to get the best car insurance rates is to use a telematics device. If your driving behavior is not the greatest, the insurer may not offer you lower rates. Bad drivers may not benefit at all. Check out this solution for lowering insurance rates for teen drivers.