Getting the right auto insurance is as important as finding the right car. But there are many pitfalls when buying auto insurance that can prevent you from getting the best coverage and cost you hundreds of dollars a year. To avoid getting stuck with paying high insurance bills over the years, here at the mistakes below and be sure to avoid these when buying auto insurance.
Buying the minimum liability coverage
Although every state has its minimum coverage requirements, this does not include the full cost of a crash. Purchasing the minimum legal protection implies that you are willing to pay for the remaining difference between your total liability and coverage. Getting more protection to help you relieve any liabilities is always a better idea.
Buying too much coverage
Like buying too little coverage is a mistake, getting over-insured also does not make sense and is a waste of money. For example, an older vehicle will not require a collision and comprehensive coverage. Also, beware of policy add-ons as well. If you are already a member of an automobile club, you do not need roadside assistance and towing. Pay attention to what you have and what is covered in the insurance policy to avoid paying extra.
Not comparing insurance companies
Opting for an insurance company offering the lowest prices is not the best option. Shop around and get multiple quotes from auto insurance companies for the best deals. Although price is a major factor in choosing an insurance company, it’s not the only one. Instead, the company’s ability to handle claims fairly has to be looked into. Customer reviews better understand the company’s ability to handle claims.
Keeping your insurer uninformed
Most buyers are not honest about their driving habits and the condition of their cars. This mistake can leave you personally liable for all the costs if an accident happens and companies refuse to pay your claim. Also, companies may not be willing to insure you in the first place if they spot any inconsistencies in personal data. It is best to be open about all the information on the insurance application.
Buying policies with wrong deductibles
An important part of your car insurance policy is the deductible amount. This amount influences the premium costs and the amount you pay when you file a claim. Usually, lower deductibles mean less out-of-pocket expenses but higher premiums, while higher deductible means fewer premiums but makes you pay more if you get into an accident. In many cases, a higher deductible will help you save some cash on your comprehensive and collision coverages.
Not using the discounts
Most people hesitate to shop online even when many online platforms could get you auto insurance. Taking advantage of the available discounts saves you a lot of money. While buying insurance, make sure to ask what types of discounts are offered. You can also save by bundling multiple cars with your homeowner’s or renter’s insurance. You can also avail discounts by remaining loyal to one company and paying your bill upfront. You can get an affinity membership with companies that provide discounts to its members.
Not considering online options
Even when many online platforms could get you auto insurance, most people hesitate to shop online. Avoid extra payments by avoiding commissions to independent agents when you buy from an online car insurance company. This step is a hassle-free way of buying auto insurance if you have all the necessary documentation in hand. Some of these online sites also provide estimates or real quotes, making comparing different companies easier.
Finding the right insurance is critical to getting on the road in the country. Avoiding the above common mistakes can save you from being underinsured or overinsured.
Crossover SUVs are a popular choice for people looking to buy a new car. They offer more space for both cargo and passengers and are capable of some light-duty towing. A critical factor most people consider when buying a crossover SUV is safety. Thankfully, many models from famous carmakers come with top-class protection and driver assistance features. We’ve compiled a list of the best safe crossover SUVs in this article.
2022 Nissan Rogue
The latest Nissan Rogue has been awarded the IIHS TOP SAFETY PICK+ from the Insurance Institute for Highway Safety (IIHS). It’s equipped with impressive standard safety techs, such as automatic emergency braking with pedestrian detection, rear automatic braking, blind-spot warning, high beam assist, rear cross-traffic alert, and lane departure warning. The 2022 Nissan Rogue also features ten strategically-placed airbags and zone body construction, which helps absorb the energy of an impact, protecting passengers.
2022 Mazda CX-5
Mazda is known for highly-safe vehicles, and its 2022 CX-5 is no exception. All-wheel drive is now standard on all CX-5 trims. The car comes with blind-spot monitoring, lane departure warning with lane-keeping assist, rear cross-traffic alert, radar cruise control, adaptive front-lighting system, smart braking system, and driver attention alert system. These safety and assistance features make the vehicle a worthy purchase.
2022 Hyundai Tucson
The newest Hyundai Tucson earns excellent ratings in crash tests from the National Highway Traffic Safety Administration (NHTSA). Safety and driver-assistance features across trim variants include lane-departure warning with lane-keeping assist, rear-seat reminder, driver attention monitoring, forward collision warning, automatic emergency braking, and pedestrian detection. The vehicle also has a blind-spot view monitor and a smart cruise control system.
2022 Subaru Forester
The 2022 Subaru Forester scores well in safety ratings from IIHS and NHTSA. All models come with all-wheel drive and Subaru’s award-winning EyeSight® driver assist technology, which monitors traffic movement, optimizes cruise control, and warns drivers swaying outside their lanes. Other safety and assistance features include blind-spot detection, rear cross-traffic alert, and reverse automatic braking.
2022 Chevrolet Equinox
The Chevy Equinox is another well-performing and safe crossover SUV. The carmaker has outfitted the newest Equinox with many standard safety assistance features, such as forward collision alert, automatic emergency braking, front pedestrian braking, lane-keep assist with lane departure warning, and automatic high-beam headlamps. Optional features include adaptive cruise control, front and rear park assistance, and rear cross-traffic alert.
A sports utility vehicle, or SUV, has become a go-to choice for many American families. One of the main reasons people consider buying SUVs is that it feels safer than other cars, thanks to their large and sturdy build. Moreover, modern SUVs are loaded with a wide range of safety and driver assistance features, making them incredibly safe and reliable. If you’re in the market for a new SUV, you must consider some latest options.
Dodge Durango
The Dodge Durango is built to deliver. You get an amazing towing capacity of 8,700 lbs., a three-row seating configuration with custom layouts, and plenty of cargo space, all packed into the full-size design. Powered by a 6.2L HEMI® V8 engine that generates 710 HP, the Durango certainly ups the ante when it comes to large-size vehicles. It’s a stylish car that looks rugged from the outside and fully equipped with features that outperform other SUVs in this segment.
2022 Volvo XC40 Recharge
If you’re looking for a compact electric SUV with excellent safety features, the 2022 Volvo XC40 Recharge should be your choice. It’s equipped with vital safety and driver-assistance features, like lane-departure warning with lane-keeping assist, automated emergency braking with pedestrian detection, and blind-spot detection. The vehicle also has an advanced body structure and a unique battery safety cage that can protect all passengers in a collision.
2022 Subaru Ascent
With three rows and a seating capacity of up to 8 passengers, the 2022 Ascent is Subaru’s largest SUV. Its standard EyeSight driver assists technology can monitor traffic movement, optimize cruise control, and warn drivers when they’re outside their lane. Higher trim variants of the Ascent feature extra safety technologies like rear cross-traffic alert, reverse automatic braking, among others.
2022 Mazda CX-5
Mazda is a Japanese carmaker known for making safe SUVs; the 2022 CX-5 is no exception. Armed with Mazda’s i-Activsense®1 safety technology, the SUV offers superior protection to the driver, passengers, and pedestrians. Features like adaptive cruise control, automated emergency braking, rear cross-traffic alert, and more are standard on all CX5 variants.
2022 Kia Telluride
The 2022 Kia Telluride is a full-size SUV with three rows of seating. The standard safety features include forward-collision warning, blind-spot monitoring, automated emergency braking, lane-departure warning, and lane-keeping assist. Parents might also appreciate the Lower Anchors and Tethers for Children (LATCH) system across the 2022 Telluride models.
Jeep® Grand Cherokee
The Grand Cherokee combines the benefits of a full-size SUV with groundbreaking off-roading capabilities. It’s an evolved vehicle for adventures, perhaps without a like-for-like match in the market. The car has a captivating, bold look that marks its presence on the road. A spacious three-row interior, smart wireless technology, adaptive driving assist, and stunning add-ons make the Cherokee a great upgrade over other SUVs.
Regardless of the vehicle you choose, taking care of your car’s interiors is critical. For premium car seat protectors or car floor mats, visit WeatherTech’s website. You can find interior protection products, license plate frames, bumper protection items, and many more. WeatherTech® may not offer discounts to AAA or AARP members, but they are offering 50 percent off on shipping charges for select items purchased from their website. Another popular hub for similar car essentials is Husky Liners®.
An extended vehicle warranty is an additional warranty that you can buy for your vehicle so the protection remains for a longer duration than what the manufacturers set. The extended warranty can be similar to the factory one, or you can get something even better. It is always a wise idea to opt for the warranty to make sure that your repairing needs remain covered. Read on to know more.
What’s the procedure?
The process to buy the extended warranty for your car is rather simple. You just have to decide whether you want the car manufacturer’s warranty or a third party. The warranty extension from the manufacturer can be bought from a car dealership near you. However, if you want a third-party warranty, you can buy that online. You can do a comparison among various providers to find the best deals with great benefits, which the manufacturer’s warranty may not offer. To buy the extended vehicle warranty, you need to
What determines the price?
The price of the extended vehicle warranty depends on a variety of factors. Check the below list to find out what they are.
How to find the best plan for an extended vehicle warranty?
Here are some tips that will help you find the best extended warranty for your vehicle.
An extended vehicle warranty is necessary to maintain the health of your car without emptying your pockets. However, make sure to settle for a trustworthy provider to get value for your money.
Volvo is one of the leading automobile brands in the SUV market, know for introducing spacious trim variants. These automobiles are designed with a tough exterior and advanced safety features, providing a smooth and safe ride on all types of terrain. Moreover, the SUV boasts premium interior and seating, ensuring a comfortable ride. The brand also features plug-in hybrid trims in their latest 2021 Volvo car deals. Check out the new 2021 Volvo car deals on the XC90 and XC60.
Volvo XC90
If you are in the market for a premium SUV, Volvo brings you the latest offers on its stunning 7-seating XC90 range. Built for speed, designed for comfort, and loaded with smart features, XC90 trim variants start at just $49,000. Check out the new 2021 Volvo car deals on the Momentum and Inscription trims on their official website. The XC90 T5 FWD Momentum is available for a monthly installment of $579 for a period of 36 months. For a reasonable purchase APR of 1.99%, you only pay $4,979 as upfront costs to secure the deal. You can alternatively lease the XC90 T6 AWD Momentum Trim for $639/month with an upfront cost of $5,039 at 1.99% APR. Similarly, the Volvo XC90 Recharge Inscription can be leased for just $695/month at the same APR with $5,095 due on purchase. You also get a purchase and loyalty bonus for all three deals.
VolvoXC60
Need a midsize family car? The five-seating Volvo XC60 offers all the latest luxuries, smart features, and hybrid technology for an affordable price tag. The Hybrid XC60 also has reduced tailpipe emissions and an EPA-friendly rating for fuel-efficiency. The base XC60 T5 FWD Momentum is available for just $41,700. You can lease the SUV for a purchase APR of 1.99% on 36 equal installments set at $445/month. If you prefer the hybrid, the XC60 Recharge Inscription is a slightly more premium option with a lease available for $559/month for a similar APR. While you don’t have to pay a security deposit, there is an upfront lease fee for both the XC60 trims, $4,195 and $4,309, respectively.
Note that lease offers are subject to changes as mentioned in the terms and conditions of the contract.
When you think of sturdy cars that will last you a lifetime, one of the brand names that comes to mind is Volvo. Volvo offers a wide range to its customer base with options ranging from sedans, SUVs, wagons, and crossovers. What’s even better is that we now have new 2021 Volvo car deals with never-before-seen offers and exciting options. We have listed some of the offers that you can avail of. For updated information, do visit Volvo’s official website.
Finance offers
Volvo is offering you 1.99% APR for different time limits with options starting at 24, 36, 39,42, 48 up to 60 months. This offer is available for qualified customers who meet Volvo Car Financial Services (VCFS) credit standards. The down payment may vary for different models and will also depend on your credit qualifications. This offer is available for select models and could vary from location to location. To understand more and check your eligibility, connect with a dealership near you.
Cash offers
On certain models and at the discretion of some dealers, Volvo is offering cashback up to $2750. Some of the cashback offers are applicable only for those looking for retail purchases and not for leasing the car. But don’t worry, Volvo does have different loyalty, affiliate, and allowance offers for those interested in leasing the car. Eligibility is a critical factor in this deal. Speak to your closest dealer and check if they are giving you this benefit.
Lease offers
If you aren’t sure about purchasing the car and want to lease it for some time before you decide, the 2021 plan of new Volvo car deals will benefit you. For certain models, the company has waived off security deposits. They have offers on lease and loyalty bonuses. The company does have certain conditions and criteria that have to meet. For instance, buyers need to be US citizens, the offer is not transferable, and that vehicles purchased or leased under the Overseas Delivery (VCIC) program are not eligible for these certain benefits. For further clarity, you should speak to a representative or check the company’s website.
Volvo’s recent car launch includes the new S60 and XC90 and these are currently available on lease. The automobile company offers monthly payment at low rates, which means you can drive the top-tier models without having to shell out a lot of money. Leasing a car is a good option for short-term use or to write off tax. With a Volvo, you’ll also enjoy great features, which is a plus. Take a look at the following Volvo cars and new lease deals available.
XC90 T5 FWD Momentum
The powerful and angular XC90 is available for a monthly payment of $579. It comes with front park assist, wireless charging, and other standard Volvo features, which make it a well-rounded car to have. The lease deal includes destination fee and a lease bonus application of $1800, which is like a prepayment for future charges. You are required to pay $4,979 at signing. You can contact an authorized Volvo retailer to avail of this new Volvo lease deal.
S60 Recharge R-Design Expression
For a versatile hybrid sedan, go for the S60 Recharge that has a lease deal of $419 per month. Similar to the XC90, the price is inclusive of destination fee; however, in this deal you will get a $6,750 lease bonus application. This car comes with the blind spot information system (BLIS) feature that maintains safety while lane changing. As with all Volvo cars on lease, the user will have the responsibility of mileage limits and excess wear.
S60 T5 AWD Momentum
If you’re looking for a spacious three-powertrain car, this S60 Momentum can be your short-term ride for only $379 a month, thanks to the new Volvo lease deal. At this price, you can enjoy features like keyless start, hands-free communications system, and electronic stability control. Volvo doesn’t take a security deposit and offers an application for a $3,500 lease bonus. This is a good car to get on lease as it is cheaper than the others, looks incredible, and offers a seamless driving experience.
Before you pick a car, check for maintenance, registration, and dealer charges to make an informed decision. Also, to get a Volvo car on lease, you have to meet certain requirements including credit standards. So, go through all the terms and conditions before you get the car.
When it comes to renting a luxury SUV, a Cadillac is the first choice for many consumers. After all, they’re well-built, powerful, and ideal for everything from adventure-packed family vacations to showing off. Cadillac Escalade and Cadillac Escalade ESV are the two luxury SUVs from the American carmaker. But there are also other great mid-size SUV options available, such as XT6, XT5, and XT4.
If you’re looking for monthly, weekly, or daily rates for renting a Cadillac SUV, you’re in the right place. Below, we’ve discussed rental rates across popular car rentals.
Hertz
Hertz is one of the largest car rental companies in the country. To find the exact daily rate for renting a Cadillac SUV from Hertz, you’ll need to sign up with them and share specific details like your pick-up location and date. The company will give you a flat $25 discount if you rent a full-size or above car before 31st August 2021. The vehicle is available for pick up at top airport locations, including LAX, Miami, San Francisco, and Las Vegas.
Falcon Car Rental
The daily rate for renting a Cadillac SUV from Falcon Car Rental is around $325/day. But if you’re renting for the long-term, you can get weekly and monthly discounts of 15 percent and 30 percent, respectively. Keep in mind that you’ll have to rent the vehicle for a minimum of two days and pay a security deposit between $1,000 and $5,000.
Sixt
With Sixt, you can rent luxury SUVs like Escalade and Escalade ESV, and even mid-size SUVs like XT5 and XT4. To check the availability of the model you prefer, you’ll need to visit their official website and enter your pick-up location. Also, make sure to enter your pick-up and return date and time to check daily rental prices and offers.
Enterprise
Enterprise in another famous car rental company. Their Exotic Car Collection features models from top brands, including Cadillac Escalade and Escalade ESV. However, the car you’ll receive is subject to availability in your preferred location. Enterprise offers pick-ups from many places within cities and major airports, including Phoenix, Atlanta, Charlotte, Los Angeles, Boston, and Nashville.
Keep in mind that the daily rate for renting a Cadillac SUV will vary from one car rental to another. It’s also worth noting that the Escalade can accommodate up to seven passengers and comes with power-adjustable heated and cooled front seats, among several other features.