There are many factors when it comes to getting auto insurance that are flexible and can reduce your premiums, but there are some factors that you can do nothing about. One of those factors is whether you are a man or a woman, as it is a fact that women do get lower insurance premiums than men. This is not a sexist notion as these premiums are calculated based on risk factors, and statistically speaking, men are a higher risk than women to insure. Here we will discuss why men see higher premiums, and knowing these may help you look for the right discounts when you are doing your comparison shopping. Statistically speaking, men are higher in numbers in most major risk factors assessed by insurance companies. Men file more insurance claims than women a year, and when a known demographic registers more claims than other demographics, insurance rates go up. There are many reasons why men are filing more claims than women are, knowing these can help you make the right choices in driving, car buying, and in insurance. Women drive less than men do. This fact is statistically proven repeatedly, and it goes to common sense to show that the less time you spend on the road, the lower your risk of an accident. Men can find out ways to save time on the road and decrease their risk of insurance claims in the future, by driving less, or using alternate means of transportation if and when possible. Women drive safer cars than men. Again, this is another fact that shows up in car sales reports matched with insurance agencies time after time after time again. Women choose safer vehicles to drive, and this leads to fewer collisions on the road. At the end of the day, it is the smart choices women are making that are leading them to lower insurance rates, not so much their gender. What does this tell you if you are a man? Choose a safe vehicle to drive with a smaller engine. You don't need a big fancy car if you have a tight insurance budget. Safer cars will always lead to lower premiums whether you are a man or a woman. Men have more risky driving habits than women, and men experience more vehicle fatalities on the roads than women. Research cross matched with police reports, insurance claims, and fatalities shows that more men are charged with speeding tickets than women, and have more risky driving charges against them than women. Any one of these factors alone is going to hike your insurance rates, whether you are a man or a woman. Adhering to the rules of the road and driving safely as much as possible without engaging in risky behavior such as speeding will keep you safe on the road, and will also keep your driving record clean which keeps your insurance rates nice and low. Many men find it a bit biased that their car insurance is affected by their gender, but many times, the discount for being female can be caught up by the man that makes wise choices with his driving record and insurance history. Keeping your driving record clean, your claims history low, and driving safer cars are all ways to get nice low car insurance premiums, whether you are a man or a woman. Also read: Automobile Insurance Rate Quote
0 Comments
This issue highlights ten exceptional collector cars, including a 1974 BMW 2002 Tii Touring ALPINA, a 1946 Buick Roadmaster Sedanette, a 1940 Cadillac Series 60 Sedan, a 1969 Chevrolet Chevelle SS 396, a 1969 Dodge Dart GTS Convertible, a 1949 Ford Woodie Custom Station Wagon, a 1965 Jaguar XKE 4.2 Roadster Series I, a 1954 Lancia Aurelia B-52 Coupe Custom by Ghia - Barn Find, a 1965 Pontiac GTO Tri-Power and a 1989 Porsche 911 Speedster.
1974 BMW 2002 Tii Touring ALPINA Very rare, especially in the U.S. Reportedly, there are only about 15 surviving today. Engine, transmission and suspension are all solid. The throttle bodies make for a raucous chorus as they gulp in air. Interior is in good condition as well, with Sheel seats. In short, this is an original rust-free 1974 BMW that you can drive anywhere. 1946 Buick Roadmaster Sedanette The Buick Roadmaster is automotive Americana, a car a lot of GIs returning from WWII dreamt about owning. It had a straight 8-cylinder that required a long wheelbase. There was also a bomb-sight hood ornament that Buick mounted on their cars from 1946-48. New, the Roadmaster Sedanette Model 76-S had a price of $2,014. 8,226 Sedanettes were built for U.S. consumption, and just 66 for exportation. 1940 Cadillac Series 60 Sedan Stunning frame-off restoration Cadillac 40-60S Series 60 luxury sedan. Gorgeous two-tone paint, chrome, glass and interior. 346 ci flathead V8 runs smooth. Harbormist Gray over Submarine Gray. Dual side-mount tire carriers, white wall tires. $18k was invested on the chrome work alone. No accident damage evident during complete disassembly. No rust. All original body panels. 3-spd manual with column shifter. This Cadillac needs nothing. 1969 Chevrolet Chevelle SS 396 Here is a fully-restored, matching numbers Chevelle SS 396 with 375 horsepower. Flawless paint, code 52 Garnet Red. Laser-straight body with very good chrome and vinyl top. YA code wheels with new Firestone F70x14 tires. New bucket seats in red. All instruments and electrics work. Desirable options include M22 transmission, bucket seats and console, power steering, windows and brakes, tilt wheel, factory tach, rosewood steering wheel, and 3:55 positraction rear end. Super clean undercarriage. This was the cover car for Chevy High Performance magazine in August, 2006. 1969 Dodge Dart GTS Convertible This is a 340 4-spd Dodge Dart Convertible from 1969 is truly rare and collectible. Of the 58 produced, only 10 are known to still exist. This spectacular Mopar is powered by a 350 hp V8. Because the Dart Convertible is lighter than other models with this motor, its performance is impressive. The vehicle is optioned as it was when it originally sat on the showroom floor. 1949 Ford Woodie Custom Station Wagon Original woodie that's had only one repaint in its life (original Meadow Green). This 1949 Ford station wagon has been driven about 57k miles. Features on the car include a radio, electric clock, windshield washers and Magic Air heater. 1965 Jaguar XKE 4.2 Roadster Series I Original rust-free California car. Incredibly, the car has complete repair records since new! It was in storage for about 25 years and then subjected to a complete nut and bolt restoration four years ago. All invoices and photos of the restoration are also present. This E-Type has many period-correct upgrades. 1954 Lancia Aurelia B-52 Coupe Custom by Ghia - Barn Find This barn-find from Italy is a one-off Lancia B-52 Aurelia Coupe (chassis #1061, engine #B21-3976) with an alloy body and coachwork performed by Ghia. The car pictured is believed to be the display car from the 1953 Turin Auto Show for Ghia. 1965 Pontiac GTO Tri-Power Numbers-matching, museum quality 1965 Pontiac GTO with tri-power and four speeds. Paint is Starlight Black and interior is parchment. This is one of the nicest, cleanest muscle cars in the world. 1989 Porsche 911 Speedster Rare and beautiful first generation Porsche 911 Speedster. When these came out, they were a sensation to showroom loiterers. They sported the low windshield, turbo widebody and double-bubble hardcover for the soft top. The soft top, when up, sloped downward towards the windshield, like the classic 356 Speedster. Wonderful cars, both. If you want to learn more, visit here: http://lelandwestinsurance.eklablog.com/ You must have come across the terms, veteran, vintage, classics and antique in correlation with cars and other automobiles. The very first question that creeps in one's mind on coming across these terms is that how is vintage different than the others. The views of automobile enthusiasts differ worldwide in the context of classic cars. Technicians propose that the terms are quite distinct in meaning. However the general automobile lovers often use vintage, classic and antique cars as synonyms. One thing that is similar among classic cars and antique cars is that all of these refer to cars which were manufactured inthe yesteryears. It is true that a classic car is old, but not necessarily every old car can be graded as a classic . There are variations in definitions of classic cars all across the globe. In some parts of the world the classification is based on some state laws while in other cases the definitions are set by popular car collector communities. Conceptualizing Classic Automobile In literary sense vintage refers to any entity that belongs to the bygone era and it preserves in itself the particular characteristic features of that era. When vintage is used with reference to automobiles it is very clear that an old car that is representative of a particular period back in time can be put under the genre of Classic. There are several Classic car galleries all across the globe that store and preserve the rarest of rare classic automobiles. These automobiles are not just old in fact they have a great monetary as well as sentimental value attached to them. Hence if you are planning of purchasing a classic machine it might prove to be an expensive affair. Any ways if you are interested in these cars you can always search for vintage automobile expos or exhibitions that are held quite frequently in various parts of the world. Classic car auctions are also held for car lovers giving them an opportunity to bid high for their favorite classic machines. The most approved and accepted definition of Vintage automobile rests on the time period when a car was manufactured in the yesteryears. Hence according to common consensus any automobile produced from the 1919 to the year 1930 is classified as a vintage. It will also not be wrong to say that a car manufactured before the Second World War refers as vintage. However the definition of classic cars is free of distinctive time constraints. Any automobile that was produced while you were still growing up and has the potential to turn heads as it hits the road can be called a classic. If you own a classic car and looking for an insurance for your vintage beauty, consider Leland West insurance for this job. Leland West aims at retaining the value of old cars by keeping them protected against possible potential damage and loss. If you want to find more, contact at +1 559-431-8282 Sports Cars Mazda MX5 - A brilliant two-seater soft-top which has a huge fan base for the original Mk1s with the popup headlamps. Started life with a 1600cc engine and then enlarged to 1800cc. Offering 'old' styling with cracking reliability and an excellent spares backup. Fiat Barchetta - Weird, but strangely appealing. Left-hand drive and only sold in limited numbers in the UK, it has distinctive looks and this makes it a future classic certainty. Lotus Elan (1990s models) - The guys at Lotus went a bit crazy and plumped for front wheel drive and an Isuzu engine. But with sharp handing and the Lotus badge, it has an appeal. But be aware of the fact that the front wheels are responsible for both steering and laying down power. TVR S - Based heavily on the curvaceous sports cars of the 1970's like the 3000M and introduced at the 1986 Motor Show at Earls Court in London. A retro-styled low priced model to give punters an introduction to TVR ownership. S1 had a 2.8i Ford engine but the V8s delivered 4-litre V8 madness. Of course it will break down, it's a TVR! Vauxhall VX220 - Yes - a Vauxhall. The VX220 was built by Lotus, is very similar to the Lotus Elise, and is interestingly, rare and different. Not available in huge numbers, handles fantastically, and is every inch the future classic car. Aston Martin DBS - Probably your best chance of a 'bargain Aston' and if you can, hunt down one of the original 6 cylinder DBS's of the early 1970's, launched as a stopgap until the V8 came out. Later models like the DB7, Virage and Vanquish already have classic kudos. Hot Hatch While they may have been the staple diet of boy racers in the 1980's, there's no doubting that 'hot hatches' now have their place in classic car folklore. Talbot Sunbeam Lotus - Classic 1970's chintz. Launched at the Geneva Motor Show in March 1979, but deliveries did not start until summer of that year. By this time, Chrysler UK had been sold to the French Peugeot concern that changed the name to the Talbot Motor Company. Originally the cars were only available in Embassy Black with broad silver side stripes and grey interior, and the very early cars also boasted twin exit exhaust pipes. Great if you can get one. Peugeot 205 GTi - Not content with the German's from Wolfsburg having it all their own way, the French decided to take them on with the 1980's best rival to the Golf GTi. Available in hatch and convertible models, initially with a 1.6 then later a much meaner 1.9 engine driving the front wheels. Now a bargain buy and well suited to modification. Ford Escort XR3i - Beloved of boy racers everywhere - so it's very difficult to find one in one piece, which makes it a bit of a rarity. The Escort RS Turbo is a find too - even less of them on the road, but plenty embedded in trees in Essex! Great shape, iconic, fast, and endorsed by Jackie Stewart. It makes the list. Ford Sierra Cosworth - The original 'Cozzie' is starting get a big following and could soon be held in the same regards as the old Lotus Cortina. Passion for hot hatches saw the later introduction of the XR4i with its V6 2.8 engine. Still a Sierra though! Audi UR Quattro: High-tech, flying wedge with a roaring engine. It sprang into life in 1980 and with 4WD and a whole host of amazing other German car-making technology packed into it. It was brilliant on the road and brilliant on the rally scene. And now in much demand thanks to Gene Hunt. The most talked-about 'modern classic' of the year. Luxury and Sports Cars In many ways, luxury motors have the best chance of attaining classic car status - they're well made, high value, and generally well-kept by their original owners. So what would make a good investment? Jaguar X300: Essentially a cosmetic advance on the XJ40, but the X300 developed a faithful following. The first time Jaguar had fitted a supercharger, this put the XJ up against the BMW M5 and Mercedes E500. BMW M3 - The 1977 E23 is already classic, therefore well-preserved models like the E30 M3 (which ended in 1992) might well follow suit. With a stiffer and more aerodynamic body shell than the straight E30, it ripped up the road race circuit. Mercedes 500SL - The 500SL is recorded as being the fastest production Mercedes R107 design ever produced - having 0-60 times of 7.4 seconds and a top speed of 140 mph (230 km/h). A late 1980's classic and well worth the investment. I hope this has been a trip down memory lane for many readers. These cars had style, although we may not have seen it at the time. Do look for collector car insurance for your classic car. Companies like Leland West Insurance will ensure you afford any possible damage which can occur with unfortunate incidences such as accident or like that, which can weight your pocket. Believe us you'll never regret putting the time and effort in, and your lovely new motor will certainly thank you for it, too! Read also: Just Because It Is Old Doesn't Make It a Classic Car in the Collector's Eyes Classic Car Prices are based on several elements. Just because a car is old does not mean it will have accelerated value. Just because an old car has low mileage does not mean it will have higher value. Cars dated 1880 to 1916 are antique. Cars dating from 1916 to 1924 are vintage. Cars built after 1924 until the current year are considered classic cars. In the US, classic cars are officially those that are at least 15 years old. Even more important than low mileage, condition is the number one variable to affect classic car prices. Mileage can be adjusted, so without honest verification of low actual mileage, there is no real way to say that odometer is correct. Even if the odometer is left alone, there is no verification that the engine on that car holds those miles on it. Different options will have different values, based on what the option is and where the car is located. If you have a right hand drive car in England, that will have more value than a left hand drive. In the US, the opposite would be the case. Custom features can actually reduce the classic car prices, because then someone has to restore the car back to original condition. Even a classic car that is incomplete will have the value of its parts for resale. Overall, car condition is still the factor that will sets value on a classic car. In a car show, there are four categories of condition: Show, Excellent, Good, and Fair. A show car is the best, is not driven, is hauled around on a trailer from show to show. They are exceptional restorations or highly preserved originals. A car will only receive this classification after being judged so and certified at a national level classic car show at 96 to 100 percent. A car classified as excellent is driven rarely. It is completely functional, and either highly preserved or completely restored. This car will score 90 to 95 percent at a regional classic car show. Cars that are in the good classification show some age but are very well maintained. Again, the car will either be a nice original or a well restored car. It can be driven and it runs very nicely. The lowest category of condition would be fair. These cars work well, and are missing no major parts. This is the type of car you would buy for restoration to a higher category. They show a little age, maybe have some rust here and there. They might need a little body work. The car looks good and is able to be driven, but it needs brakes, or engine work or some important parts replaced. You can find classic car prices in the NADA or Gold Book guides. Regardless of the guide price, when it comes to selling the classic car, it comes down to how badly the buyer wants it, and who owned the car previously, and whatever documentations are available. For more information about Antique and Classic Car Insurance consider Leland West Insurance where you will get a comprehensive guide to antique car insurance. To learn more, please visit here: https://lelandwestinsurance.kinja.com/ The production of Vintage cars is said to begin in 1920 and ended a decade later around 1930, the same time when the First World War ended. In other words, those vehicles manufactured during the years 1920 to 1930 are considered to be classic as well as vintage cars. However, what makes a car to be considered classic or vintage is up for debate. Some consider those vehicles made during a certain period of time to be classic while others consider a car to be classic if the public deem it a collectible. Anyway, many automotive experts and enthusiasts consider the vintage car era to be one of the greatest eras in automotive history as many new innovations were made and many people could afford them. More American families owned a car during this era. Before this era, owning a car was next to impossible as the price was too steep for most people. As demand for vehicles increased, many new automotive companies appeared and started production. This caused an upsurge in car production until the great depression in 1929 that brought the automotive industry to its knee. Many companies closed down and only about 10 percent of them survived. Only those companies that produced cars that were stamped with quality and durability survived such as Ford, Hudson and Chryslers. These companies were able to continue producing automobiles that were considered luxurious and highly durable. New innovations such as air conditioning, heater, radio, and anti-freezing were added to provide utmost comfort for car owners. Today, a number of these classic cars still exist and are still regarded as road worthy. They are considered as valuable collections. Many car enthusiasts regard vintage cars as the trophies of their collections and are proud to showcase them in car shows. Some of these vintage cars are salvaged or restored from junk yards and abandoned garages. Restoring a vintage car to its full glory again is very expensive though. Looking for the parts for restoration is also a problem. Parts for vintage cars are difficult to find and if you find one, they may be expensive too. However, there are many ways and techniques to undertake a vintage car restoration project. With some efforts and patience, it can be very rewarding. If you own a vintage car and looking for insurance for your vintage beauty, consider Leland West Insurance for collector car lovers. Leland West has been offering specialty collector car insurance for 20 years, and is one of the most well-known collector car insurance companies. If you are a frequent trekker you may already have realized that there are many potential risks involved and if you purchase car insurance for every trip that you make you will not only waste time money as well as effort, but also miss out on purchasing an annual insurance plan or collector car insurance that will be a lot cheaper. Collectors' cars are those cars which are used for car illustration and shows. These cars are antiques or classic cars. Things to be considered while Collector Car Insurance: However, before buying collector car insurance, you should be aware of a few basics that you should use to choose the proper insurance policy. Most companies realize that cars are an important part of their business and it would be improper to drive these cars without the right type of car insurance. They may turn to online car insurance to ensure having enough coverage so that they can go about their jobs certain about their well-being and safety. It is thus necessary to understand the type of coverage and different service options so that one can make an informed decision about collector car insurance. You will need to follow certain guidelines that will assist car owners to understand the insurance needs of their vehicles. To begin with, it is necessary to decide how to obtain the collector car insurance. You will then need to decide about one particular insurance company and in this regard you must choose the company that best meets your requirements which should have facilities such as being able to get a broken down vehicle back on the road at the earliest. Consider Leland West Insurance for this job. Importance of Collector Cars Insurance: The importance of getting collector car insurance from a good insurance company like Leland West Insurance cannot be overemphasized as otherwise you may end up remitting hundreds of dollars more than is necessary each year. And, inexpensive collector car insurance also does not warranty that your insurance cover is the best because the quotes given may lack in certain essential features. So, you should contrast insurance premiums, contrast coverage offered, review coverage request procedures, and also compare price breaks that are available. Also, it will be a good idea to also compare different car insurance organizations. Using these yardsticks, you should be able to get proper collectors car insurance. Finding car insurance for a collector car can be a extensive and annoying procedure, but the payback of having insurance for the car far outweighs the early aggravate of ruling the insurance. It is pretty obvious when you purchase a vehicle or when you get your license and drive a car you are going to need auto insurance. You should never get into a car that does not have auto insurance especially if you are a passenger. If you are the one driving and do not have your own vehicle that do not assume you are covered on someone else's policy if you do not live with them. You will have to get your own policy. The best way to do this is to go to the internet and check online to compare auto insurance quotes to cover you as a driver in another car. When you are in a position to pick up your own vehicle then you can continue with your auto insurance but include the vehicle that you now own. You will want to make sure that your coverage is adequate. This could happen if you purchase an older car and are paying more than the blue book value. The financial institution normally does not loan the money but if the face is in exceptional condition or has special things to it that would make it worth the money for the additional loan then there are cases where the bank will loan the money. An antique car is a good example. In fact, the bank may even mandate that you take "Gap" insurance which is an additional insurance policy that pays the difference from what your car is worth to what is owed, if you are in an accident and the car is totaled. This would be another way to guarantee the bank that they would get their money back on the loan. Now that you have a car you already know how to go online and compare auto insurance rates except this time you have a vehicle. Do some price comparisons again to see if you can get some lower rates. It never hurts to compare auto insurance prices periodically and to make sure you are getting the best rates that you can for the policy that you are carrying. It is price shopping and everyone does it all the time whether it is on auto insurance, clothing, equipment or toys? For more information about Antique and Classic Car Insurance consider Leland West Insurance where you will get a comprehensive guide to antique car insurance. To learn more, please visit here: http://lelandwest.strikingly.com/ |
CONTACTLeland West Insurance Archives
July 2019
Categories |