Insurance
What are the finer aspects of insurance coverage consumers need to know?
November 25, 2011 | 
Author To drive around legally anywhere in the US you need to have some basic auto insurance coverage. Each state has its own specifications and minimum coverage that is required. There is no way you can avoid purchasing an auto insurance cover if you own a vehicle. There are still a good number of people who do not have the proper insurance coverage although they know that it is a must. The cost factor is something that most people worry about. But if the right steps are taken, one can easily avoid high auto insurance premiums and cut down on the premium rates.
The best way to shop around for auto insurance coverage is to search online and avail the best possible quotes. Multiple quotes can be obtained from all the major insurance providers and you can shop for the best deals. You will typically fill out an online application form with all the details given accurately. The insurance company will send you the quotes online. Then you will have to compare quotes and make your final choice.
Ensure that you give the accurate information in order to obtain the proper quotes. If you furnish incorrect information the quotes you get would also be inaccurate. Before you fill out the application ensure that you have all the information ready as you will need this while submitting your online application. Details regarding your driving license, Social Security Number etc., are essential when you obtain the final quotes.
The insurance coverage and the offers will also have to be confirmed in order to compare premiums the right way. There are instances where some of the insurance companies lower the coverage on the initial quote in order to attract customers.
If you find the premium rates are high, you may consult with your insurance agent or contact the insurance company directly and take their guidance with regard to the right amount of coverage you need. Most often, people end up purchasing the coverage that they don’t require. For instance, if you have an old car which is not worth a lot you can take some basic plan and avoid all the extra coverage as you will unnecessarily end up paying much more than what the vehicle is worth.
The best way to bring down your premium rates would be to take some measures to avail discounts. Consult with your insurance agent and get some tips to bring down the premium rates.
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Scoop! 2010 Volkswagen Golf R Series Turbo Coming to America – Car News – Car and Driver
It’s no secret that we love the Volkswagen GTI—it’s a three-time reigning recipient of a award, after all. But even the 210 hp of the upcoming sixth-generation
leave the GTI at a distinct power disadvantage in its class.
In the recent past, VW’s answer for power junkies has been the R32—a GTI with a 3.2-liter V-6 shoehorned into its engine compartment. Heavier than the GTI and equipped with all-wheel drive, the R32 failed to deliver significant performance improvements despite its 250-hp rating. We liked it, but were disappointed by the marginal performance benefits over the base GTI.
Six Becomes Four—Plus a Turbo Meet the new R-series Golf. It will feature basically the same direct-injection 2.0-liter turbocharged gasoline engine that you find in the GTI, tuned to an impressive 270 hp. Power will be transmitted to all wheels. Zero-to-60 times should be in the low- to mid-fives, and while the regular GTI tops out at a drag-limited 149 mph, the new R version will hit its governor at 155, with a theoretical top speed 10 mph or so higher.
Unlike the R32, the new R model will offer performance greater than the GTI’s, with the slightly increased weight and resistance of the AWD system easily offset by the leap in power and torque. We expect a choice of manual and dual-clutch transmissions, each with six forward ratios.
Essentially, the Golf R features the Audi S3’s powertrain. We have driven that car extensively; think WRX performance combined with Audi refinement. It’s worth noting that the new Golf MkVI, upon which this R version will be based, is more sophisticated than the Audi A3/S3.
The exterior of what we believe will be called R20 Turbo is distinguished from the GTI by an even more aggressive front spoiler, complete with three distinct air intakes, a more aggressive rear spoiler, and two center-exit exhaust pipes. Three doors will be standard, but VW will most likely also offer a five-door variation. Our artist’s renderings show a possible look for the three-door R20.
It’s Coming Here!
This ultimate Golf will go on sale in Germany in late 2009, and after some internal back and forth, VW has decided to offer the R model in America.
VW will first show the R-series Golf on May 21 at the ADAC 24-hour race at the Nrburgring Nordschleife . Volkswagen will also launch an R version of the sporty, Golf-based
. Equipped with the same engine as the R20, it will be front-wheel-drive. Torque steer will be managed by an electronic differential VW calls XDS—and a prayer.
So far, no Scirocco is slated for a U.S. launch. But the Golf R is, and we couldn’t be more excited.
Article source: http://www.caranddriver.com/news/car/09q1/scoop!_2010_volkswagen_golf_r_series_turbo_coming_to_america-car_news