Most Expensive, Cheapest States for Car Insurance #auto #bill #of #sale #template


#auto insurance comparison
#

About

It’s no secret that drivers in different states pay different rates, even when their driving records are very similar. Recently the website Insure.com did a comparison of state automobile insurance costs. identifying the priciest and cheapest states for car insurance.

The survey averaged coverages from six providers per state for a 40-year-old driver with a 12-mile commute to work. The quotes were for a yearly policy with $100,000 coverage for a single person, $300,000 for all injured and $50,000 for property damage.

  1. Michigan, $2,541
  2. Louisiana, $2,453
  3. Oklahoma, $2,197
  4. Montana, $2,190
  5. Washington, D.C. $2,146
  6. California, $1,991
  7. Mississippi, $1,896
  8. New Mexico, $1,896
  9. Arkansas, $1,836
  10. Maryland, $1,807
  11. North Dakota, $1,794
  12. Connecticut, $1,786
  13. Rhode Island, $1,747
  14. Wyoming, $1,714
  15. Hawaii, $1,707
  16. South Dakota, $1,707
  17. Georgia, $1,670
  18. New Jersey, $1,663
  19. West Virginia, $1,633
  20. Kentucky, $1,629
  21. New York, $1,627
  22. Minnesota, $1,614
  23. Washington, $1,584
  24. Missouri, $1,563
  25. Indiana, $1,518
  26. Colorado, $1,508
  27. Texas, $1,492
  28. Delaware, $1,489
  29. Florida, $1,476
  30. Nebraska, $1,470
  31. Pennsylvania, $1,468
  32. Kansas, $1,461
  33. Alaska, $1,454
  34. New Hampshire, $1,334
  35. Massachusetts, $1,328
  36. Idaho, $1,325
  37. Alabama, $1,306
  38. Oregon, $1,306
  39. Nevada, $1,300
  40. Illinois, $1,290
  41. Arizona, $1,280
  42. Utah, $1,272
  43. Virginia, $1,237
  44. Iowa, $1,179
  45. North Carolina, $1,154
  46. Ohio, $1,152
  47. Tennessee, $1,146
  48. Wisconsin, $1,128
  49. Maine, $1,126
  50. South Carolina, $1,095
  51. Vermont, $995

Why is there such a difference (255%) between the most and least expensive? According to Insure.com, the reasons are several.

The primary one, however, is uninsured motorists. In states with a lot of uninsured motorists, the insured must kick more money into the pool to cover accidents in which they are involved.

According to 2007 data compiled by the Insurance Research Council. the top states with uninsured motorists were:

  1. New Mexico, 29%
  2. Mississippi, 28%
  3. Alabama, 26%
  4. Oklahoma, 24%
  5. Florida, 23%

The states with the fewest uninsured drivers were:

  1. Massachusetts, 1%
  2. Maine, 4%
  3. North Dakota, 5%
  4. New York, 5%
  5. Vermont, 6%

The leading state in insurance premiums, Michigan, finished 10th with 17%. So why was it No. 1? For one reason, of all the states, only Michigan has no cap on personal injury protection payments to those hurt in a vehicle accident. A separate, not-for-profit, state-originated association picks up payments only after the insurance company has paid out almost half a million dollars in claims, in addition to three years of lost wages and damage replacement costs. Of course, all of these expenses are paid for with insurance premium dollars.

Insure’s report also suggests that the friendly climate for litigation in Louisiana helps drive up its premiums, while violent weather does the same for Oklahoma drivers.

At the other end of the spectrum, Vermont’s low premium is, according to one expert, a function of low traffic volume and “rural sensibilities.”

Concerned about the cost of car insurance? Then you might also consider which car you drive. It can make an even larger difference than where you drive it.


The Least Expensive New Cars of 2015 #sell #my #car


#cheapest used cars
#

Nissan Versa 1.6 S

By Aaron Gold. Cars Expert

Aaron Gold, About.com s Cars Expert, has been an automotive journalist for a decade and a half and has been writing for About.com since 2004. He contributes to several automotive publications and is a member of the North American Car and Truck of the Year jury.

Looking for inexpensive wheels? Here are the least expensive cars on sale in America. We ve driven all of them, and we ll tell you which cheap cars are the real deals — and which ones are the real duds.

1. Nissan Versa 1.6 S: $12,815 (including destination charge)

The least-expensive new car you can buy also happens to be one of my favorite cars on this list. The Versa isn t some undersized econobox; instead it s a surprisingly roomy four-door sedan that offers nearly as much interior space as a mid-size car like the Toyota Camry — and for a little more than half the price.

The styling is a bit homely and creature comforts are few and far between, but the Versa does come with air conditioning, Bluetooth phone connectivity, and a CD stereo as standard. That said, it lacks power windows or locks, the latter virtually a must-have if you re hauling kids, and if you want an automatic transmission, the price rises rather steeply to $14.315. But the rest of the options are reasonably priced; a top-of-the-line Versa SL with power windows and locks, a fuel-efficient CVT automatic transmission, alloy wheels, Bluetooth, and navigation — navigation, for cryin out loud! — costs less than a basic two-door Honda Civic. Not only is the Versa America s cheapest car, it s also America s best family-car value.


Most Expensive, Cheapest States for Car Insurance #park #auto #mall


#auto insurance comparison
#

About

It’s no secret that drivers in different states pay different rates, even when their driving records are very similar. Recently the website Insure.com did a comparison of state automobile insurance costs. identifying the priciest and cheapest states for car insurance.

The survey averaged coverages from six providers per state for a 40-year-old driver with a 12-mile commute to work. The quotes were for a yearly policy with $100,000 coverage for a single person, $300,000 for all injured and $50,000 for property damage.

  1. Michigan, $2,541
  2. Louisiana, $2,453
  3. Oklahoma, $2,197
  4. Montana, $2,190
  5. Washington, D.C. $2,146
  6. California, $1,991
  7. Mississippi, $1,896
  8. New Mexico, $1,896
  9. Arkansas, $1,836
  10. Maryland, $1,807
  11. North Dakota, $1,794
  12. Connecticut, $1,786
  13. Rhode Island, $1,747
  14. Wyoming, $1,714
  15. Hawaii, $1,707
  16. South Dakota, $1,707
  17. Georgia, $1,670
  18. New Jersey, $1,663
  19. West Virginia, $1,633
  20. Kentucky, $1,629
  21. New York, $1,627
  22. Minnesota, $1,614
  23. Washington, $1,584
  24. Missouri, $1,563
  25. Indiana, $1,518
  26. Colorado, $1,508
  27. Texas, $1,492
  28. Delaware, $1,489
  29. Florida, $1,476
  30. Nebraska, $1,470
  31. Pennsylvania, $1,468
  32. Kansas, $1,461
  33. Alaska, $1,454
  34. New Hampshire, $1,334
  35. Massachusetts, $1,328
  36. Idaho, $1,325
  37. Alabama, $1,306
  38. Oregon, $1,306
  39. Nevada, $1,300
  40. Illinois, $1,290
  41. Arizona, $1,280
  42. Utah, $1,272
  43. Virginia, $1,237
  44. Iowa, $1,179
  45. North Carolina, $1,154
  46. Ohio, $1,152
  47. Tennessee, $1,146
  48. Wisconsin, $1,128
  49. Maine, $1,126
  50. South Carolina, $1,095
  51. Vermont, $995

Why is there such a difference (255%) between the most and least expensive? According to Insure.com, the reasons are several.

The primary one, however, is uninsured motorists. In states with a lot of uninsured motorists, the insured must kick more money into the pool to cover accidents in which they are involved.

According to 2007 data compiled by the Insurance Research Council. the top states with uninsured motorists were:

  1. New Mexico, 29%
  2. Mississippi, 28%
  3. Alabama, 26%
  4. Oklahoma, 24%
  5. Florida, 23%

The states with the fewest uninsured drivers were:

  1. Massachusetts, 1%
  2. Maine, 4%
  3. North Dakota, 5%
  4. New York, 5%
  5. Vermont, 6%

The leading state in insurance premiums, Michigan, finished 10th with 17%. So why was it No. 1? For one reason, of all the states, only Michigan has no cap on personal injury protection payments to those hurt in a vehicle accident. A separate, not-for-profit, state-originated association picks up payments only after the insurance company has paid out almost half a million dollars in claims, in addition to three years of lost wages and damage replacement costs. Of course, all of these expenses are paid for with insurance premium dollars.

Insure’s report also suggests that the friendly climate for litigation in Louisiana helps drive up its premiums, while violent weather does the same for Oklahoma drivers.

At the other end of the spectrum, Vermont’s low premium is, according to one expert, a function of low traffic volume and “rural sensibilities.”

Concerned about the cost of car insurance? Then you might also consider which car you drive. It can make an even larger difference than where you drive it.


Top 15 Cheapest Cars of 2011 – Least Expensive Vehicles #oriley #auto #parts


#cheap car
#

The Top 15 Cheapest New Cars of 2011

Update: I’ve also put together a list of this year’s cheapest new cars. in addition to 2014. 2013. and 2012. What follows is for the 2011 model year.

Thinking of buying a new car? If you re frugal, the thought of doing some research to find the cheapest new car has probably crossed your mind. Good news. I did the dirty work to find the least expensive new vehicles of 2011.

My 2010 cheapest cars report covered the top 10 low-cost vehicles. This year, I bumped it to 15, because a few of my favorites didn t quite make the top 10. ALL of the vehicles you will find on the list have automatic transmission. I don t drive a stick myself, and I m sure many of you don t either. However, if you are interested in manual trans, all of these vehicles have a version, and they generally run about $1,000 less than the MSRP s I quoted.

The New Car Caveat

Before we get started, I ll once again give the caveat that I am not an advocate of buying new cars, however, I do believe that if you buy a cheap new car and drive it into the ground, there is a good chance that it could comparatively save you money versus buying used. Want the best of both worlds? The 3-year resale value of these vehicles is usually around 55-60% and the 5-year resale value is often around 40%.

You ll notice I also listed dealership costs, which should give you an idea of how much room you have to haggle. The Honda Civic and Hyundai Accent should have a lot of wiggle room, with over $2,000 in difference between dealer cost and MSRP. The Mazda 2 and Kia Rio, on the other hand, are actually both priced below dealer cost, making them loss leaders for the dealership. Wiggle room will be tight.

Current incentives were not factored into the prices, and a few models actually did have up to $1,000 cash back incentives at the moment.

Fuel, Maintenance, Insurance Costs on Cheap Cars

Other than the price itself, cheap cars tend to have much lower total ownership costs than their more expensive brethren. Small and cheap tend to go hand-in-hand, and so do small and fuel efficient. Most of the vehicles on this list have an average EPA estimated MPG of over 30. The one year fuel cost estimates were based on 45% highway driving, 55% city driving, 15,000 annual miles, and $3.07 for a gallon of regular gasoline (source: fueleconomy.gov).

Maintenance costs are usually cheaper as well. The goal of auto manufacturers is to produce these vehicles as inexpensively as possible. Therefore, their parts are cheap. And so are their replacement parts. And because these vehicles tend to be popular, their parts are easy to find, reducing scarcity and lowering prices.

Insurance costs on these cars are usually lower as well because insurance costs are derived from the market value of the vehicle. The lower the cost of vehicle, generally, the lower the cost of insurance for it.

Once Again, Foreign Automakers Dominate the List of Cheapest Vehicles

All but two of the vehicles to make this year s list were from foreign automakers. The two that did? The underwhelming Chevy Aveo and the brand new Ford Fiesta. Disappointing, but I have no doubts that you ll see U.S. automakers continue to make the shift to smaller, cheaper cars in the very near future.

My Picks for the Best Cheapest Car of 2011

It s a toss-up. I m a huge fan of functionality, so hatchbacks and utility are big wins in my book. Also, if I m going to buy a new vehicle, it s not going to be ugly. I m going to go with the Fiesta. It s stylish, and excluding the only golf cart to make the list (ForTwo), the most fuel efficient. The hatchback also gives it functionality. The Soul and Fit come in a close second.

15. Scion XB

Base Automatic Transmission model: Scion XB 2.4L


The Least Expensive New Cars of 2015 #orielys #auto #parts


#cheapest used cars
#

Nissan Versa 1.6 S

By Aaron Gold. Cars Expert

Aaron Gold, About.com s Cars Expert, has been an automotive journalist for a decade and a half and has been writing for About.com since 2004. He contributes to several automotive publications and is a member of the North American Car and Truck of the Year jury.

Looking for inexpensive wheels? Here are the least expensive cars on sale in America. We ve driven all of them, and we ll tell you which cheap cars are the real deals — and which ones are the real duds.

1. Nissan Versa 1.6 S: $12,815 (including destination charge)

The least-expensive new car you can buy also happens to be one of my favorite cars on this list. The Versa isn t some undersized econobox; instead it s a surprisingly roomy four-door sedan that offers nearly as much interior space as a mid-size car like the Toyota Camry — and for a little more than half the price.

The styling is a bit homely and creature comforts are few and far between, but the Versa does come with air conditioning, Bluetooth phone connectivity, and a CD stereo as standard. That said, it lacks power windows or locks, the latter virtually a must-have if you re hauling kids, and if you want an automatic transmission, the price rises rather steeply to $14.315. But the rest of the options are reasonably priced; a top-of-the-line Versa SL with power windows and locks, a fuel-efficient CVT automatic transmission, alloy wheels, Bluetooth, and navigation — navigation, for cryin out loud! — costs less than a basic two-door Honda Civic. Not only is the Versa America s cheapest car, it s also America s best family-car value.


Most Expensive, Cheapest States for Car Insurance #auto #diagnostic


#auto insurance comparison
#

About

It’s no secret that drivers in different states pay different rates, even when their driving records are very similar. Recently the website Insure.com did a comparison of state automobile insurance costs. identifying the priciest and cheapest states for car insurance.

The survey averaged coverages from six providers per state for a 40-year-old driver with a 12-mile commute to work. The quotes were for a yearly policy with $100,000 coverage for a single person, $300,000 for all injured and $50,000 for property damage.

  1. Michigan, $2,541
  2. Louisiana, $2,453
  3. Oklahoma, $2,197
  4. Montana, $2,190
  5. Washington, D.C. $2,146
  6. California, $1,991
  7. Mississippi, $1,896
  8. New Mexico, $1,896
  9. Arkansas, $1,836
  10. Maryland, $1,807
  11. North Dakota, $1,794
  12. Connecticut, $1,786
  13. Rhode Island, $1,747
  14. Wyoming, $1,714
  15. Hawaii, $1,707
  16. South Dakota, $1,707
  17. Georgia, $1,670
  18. New Jersey, $1,663
  19. West Virginia, $1,633
  20. Kentucky, $1,629
  21. New York, $1,627
  22. Minnesota, $1,614
  23. Washington, $1,584
  24. Missouri, $1,563
  25. Indiana, $1,518
  26. Colorado, $1,508
  27. Texas, $1,492
  28. Delaware, $1,489
  29. Florida, $1,476
  30. Nebraska, $1,470
  31. Pennsylvania, $1,468
  32. Kansas, $1,461
  33. Alaska, $1,454
  34. New Hampshire, $1,334
  35. Massachusetts, $1,328
  36. Idaho, $1,325
  37. Alabama, $1,306
  38. Oregon, $1,306
  39. Nevada, $1,300
  40. Illinois, $1,290
  41. Arizona, $1,280
  42. Utah, $1,272
  43. Virginia, $1,237
  44. Iowa, $1,179
  45. North Carolina, $1,154
  46. Ohio, $1,152
  47. Tennessee, $1,146
  48. Wisconsin, $1,128
  49. Maine, $1,126
  50. South Carolina, $1,095
  51. Vermont, $995

Why is there such a difference (255%) between the most and least expensive? According to Insure.com, the reasons are several.

The primary one, however, is uninsured motorists. In states with a lot of uninsured motorists, the insured must kick more money into the pool to cover accidents in which they are involved.

According to 2007 data compiled by the Insurance Research Council. the top states with uninsured motorists were:

  1. New Mexico, 29%
  2. Mississippi, 28%
  3. Alabama, 26%
  4. Oklahoma, 24%
  5. Florida, 23%

The states with the fewest uninsured drivers were:

  1. Massachusetts, 1%
  2. Maine, 4%
  3. North Dakota, 5%
  4. New York, 5%
  5. Vermont, 6%

The leading state in insurance premiums, Michigan, finished 10th with 17%. So why was it No. 1? For one reason, of all the states, only Michigan has no cap on personal injury protection payments to those hurt in a vehicle accident. A separate, not-for-profit, state-originated association picks up payments only after the insurance company has paid out almost half a million dollars in claims, in addition to three years of lost wages and damage replacement costs. Of course, all of these expenses are paid for with insurance premium dollars.

Insure’s report also suggests that the friendly climate for litigation in Louisiana helps drive up its premiums, while violent weather does the same for Oklahoma drivers.

At the other end of the spectrum, Vermont’s low premium is, according to one expert, a function of low traffic volume and “rural sensibilities.”

Concerned about the cost of car insurance? Then you might also consider which car you drive. It can make an even larger difference than where you drive it.


The Least Expensive New Cars of 2015 #world #auto #parts


#cheapest used cars
#

Nissan Versa 1.6 S

By Aaron Gold. Cars Expert

Aaron Gold, About.com s Cars Expert, has been an automotive journalist for a decade and a half and has been writing for About.com since 2004. He contributes to several automotive publications and is a member of the North American Car and Truck of the Year jury.

Looking for inexpensive wheels? Here are the least expensive cars on sale in America. We ve driven all of them, and we ll tell you which cheap cars are the real deals — and which ones are the real duds.

1. Nissan Versa 1.6 S: $12,815 (including destination charge)

The least-expensive new car you can buy also happens to be one of my favorite cars on this list. The Versa isn t some undersized econobox; instead it s a surprisingly roomy four-door sedan that offers nearly as much interior space as a mid-size car like the Toyota Camry — and for a little more than half the price.

The styling is a bit homely and creature comforts are few and far between, but the Versa does come with air conditioning, Bluetooth phone connectivity, and a CD stereo as standard. That said, it lacks power windows or locks, the latter virtually a must-have if you re hauling kids, and if you want an automatic transmission, the price rises rather steeply to $14.315. But the rest of the options are reasonably priced; a top-of-the-line Versa SL with power windows and locks, a fuel-efficient CVT automatic transmission, alloy wheels, Bluetooth, and navigation — navigation, for cryin out loud! — costs less than a basic two-door Honda Civic. Not only is the Versa America s cheapest car, it s also America s best family-car value.


Top 15 Cheapest Cars of 2011 – Least Expensive Vehicles


#cheap car
#

The Top 15 Cheapest New Cars of 2011

Update: I’ve also put together a list of this year’s cheapest new cars. in addition to 2014. 2013. and 2012. What follows is for the 2011 model year.

Thinking of buying a new car? If you re frugal, the thought of doing some research to find the cheapest new car has probably crossed your mind. Good news. I did the dirty work to find the least expensive new vehicles of 2011.

My 2010 cheapest cars report covered the top 10 low-cost vehicles. This year, I bumped it to 15, because a few of my favorites didn t quite make the top 10. ALL of the vehicles you will find on the list have automatic transmission. I don t drive a stick myself, and I m sure many of you don t either. However, if you are interested in manual trans, all of these vehicles have a version, and they generally run about $1,000 less than the MSRP s I quoted.

The New Car Caveat

Before we get started, I ll once again give the caveat that I am not an advocate of buying new cars, however, I do believe that if you buy a cheap new car and drive it into the ground, there is a good chance that it could comparatively save you money versus buying used. Want the best of both worlds? The 3-year resale value of these vehicles is usually around 55-60% and the 5-year resale value is often around 40%.

You ll notice I also listed dealership costs, which should give you an idea of how much room you have to haggle. The Honda Civic and Hyundai Accent should have a lot of wiggle room, with over $2,000 in difference between dealer cost and MSRP. The Mazda 2 and Kia Rio, on the other hand, are actually both priced below dealer cost, making them loss leaders for the dealership. Wiggle room will be tight.

Current incentives were not factored into the prices, and a few models actually did have up to $1,000 cash back incentives at the moment.

Fuel, Maintenance, Insurance Costs on Cheap Cars

Other than the price itself, cheap cars tend to have much lower total ownership costs than their more expensive brethren. Small and cheap tend to go hand-in-hand, and so do small and fuel efficient. Most of the vehicles on this list have an average EPA estimated MPG of over 30. The one year fuel cost estimates were based on 45% highway driving, 55% city driving, 15,000 annual miles, and $3.07 for a gallon of regular gasoline (source: fueleconomy.gov).

Maintenance costs are usually cheaper as well. The goal of auto manufacturers is to produce these vehicles as inexpensively as possible. Therefore, their parts are cheap. And so are their replacement parts. And because these vehicles tend to be popular, their parts are easy to find, reducing scarcity and lowering prices.

Insurance costs on these cars are usually lower as well because insurance costs are derived from the market value of the vehicle. The lower the cost of vehicle, generally, the lower the cost of insurance for it.

Once Again, Foreign Automakers Dominate the List of Cheapest Vehicles

All but two of the vehicles to make this year s list were from foreign automakers. The two that did? The underwhelming Chevy Aveo and the brand new Ford Fiesta. Disappointing, but I have no doubts that you ll see U.S. automakers continue to make the shift to smaller, cheaper cars in the very near future.

My Picks for the Best Cheapest Car of 2011

It s a toss-up. I m a huge fan of functionality, so hatchbacks and utility are big wins in my book. Also, if I m going to buy a new vehicle, it s not going to be ugly. I m going to go with the Fiesta. It s stylish, and excluding the only golf cart to make the list (ForTwo), the most fuel efficient. The hatchback also gives it functionality. The Soul and Fit come in a close second.

15. Scion XB

Base Automatic Transmission model: Scion XB 2.4L