Author Archives: Bonnie Galindo

Deducing the Right Deductible

One of the first and most important questions to ask before purchasing insurance is what deductible is best. Although it may be tempting to get the highest deductible possible to maintain a low monthly payment, this may end up costing in the long run, especially in the case of an emergency or accident. Determining the size of the deductible should be done taking into account a few key factors.

Emergency Funds

Above all else, consider what kind of cash is put away for emergency situations. If an emergency fund doesn’t exist, this should be a red flag that a deductible should be higher than someone who has $2000 stashed away. If a car owner can not pay the deductible, the insurance company can not do their part. Generally speaking, many policy holders have around a $1000 deductible. Unfortunately, statistics show that most of them can not pay this amount. Experts suggest considering stowing away $2000 in a safe place to take care of out-of-pocket expenses that may arise. This will give a decent monthly payment as well.

Costs of Deductibles

It is worth having a long conversation with an agent about how deductibles work for that particular company and having them sketch out on paper the ins and outs. In some cases, insurance companies penalize for using deductibles for certain emergencies or have a waiting period before their services can be used again. A higher deductible may payout in the end because the policy holder is covering more of the cost than the company. However, it is important to know how long it will be before recuperating the money that is lost in these circumstances.

Car’s Value

The last thing to take into consideration is the value of the vehicle. If the vehicle is being leased or financed, the lender may require a certain predetermined deductible amount. This is also true in regards to having a loan on the vehicle or if the vehicle is paid in full. The more expensive the value of a vehicle, the more expensive the cost of the deductible and insurance overall. Therefore, the deductible should also be high in order to balance out the equation. This works in reverse as well. If the car’s value is low, so will the insurance and the deductible.

The Overall Risks

Doing research is the best way to stay prepared and to be aware of all the options available. Talking with an agent is the first step, but looking into Car Services Reviews will provide extra insight that may not always be given. Remember that dealerships want to sell and so do insurance agents. So, the information provided isn’t always going to be entirely accurate if it will compromise a sale.

A final word of advise is to those who consider using a rental services. Companies sometimes require a specific deductible on insurance policies, even if the renter is using a rental car. They may require the purchase of other insurance should the policy not be sufficient enough.

A Car Buying Story

Generally, I wasn’t too satisfied with the sort of fashions in Canada. When it involves own family vehicles, the alternatives are pretty simple – you pass for a minivan or, as of recently, for an SUV. No large deal. But I concept that minivan is a waste of cash if you have most effective two children and don’t run a repair commercial enterprise. SUV has a a laugh, all-terrain go with the flow to it, however it too is a waste in case you don’t use it. What I was looking for is a smaller multi-purpose, unmarried-quantity car, and there aren’t many of them right here. Domestic makes are higher in that recognize than imports. I almost got to suppose that the choice is such that it forces you to either purchase a massive car or  best car cover for outdoors.

I’m often announcing this due to the fact I’ve visible lots of such flexible models in Europe. For example, you may find a new Civic in 5 door trim — diesel!

Or a especially uncommon, but seemingly very versatile and sensible Fiat Doblo (a huge spacious crossover) that looks extremely like Honda Element, most effective it is a chunk smaller and proportionally wider.

Wagons and commonly single quantity vehicles are very famous in Europe. Half of Fiat’s fleet are such motors. And of route, the diesel option — absolutely everyone has it. I become genuinely sorry I did no longer discover a suitable one here.

Anyhow, that’s what it’s miles. This is my evaluation of various models I’ve checked out:

Honda Accord

I drove Accord ’89 for years, and I can testify to its pleasant. The engine become simply terrific, despite 230,000 km on it. Every yr after I need to carry out Air-Care, all I’m questioning is: “Is it going to be barely better or barely worse than remaining 12 months?” In the primary couple of years, I used to pressure a piece before the air-care to warm up the engine, but later abandoned that exercise — it become honestly useless. Anyhow, Accord become my first idea, and always a backup plan: “if I don’t locate whatever I like, I’ll simply purchase Accord”.

And the modern Accord (version 2003) become in all aspects an excellent desire. Good space, excellent satisfactory, protection, gas economic system, pretty a whole lot the entirety. It wasn’t that sleek and pretty as I could desire, however it is sincerely now not large a deal. Also, it did no longer have the best safety rankings (in couple of assessments it had 4 out of 5) — and I changed into sort of expecting perfection from my favorite make. In the stop, the modern version become pretty much to get replaced, the 2008 is completely redesigned, and I changed into anticipating principal enhancements with the brand-new version. So, the modern-day version appeared particularly an old desire.

Honda Civic

Haven’t definitely idea of Civic earlier than — to me it changed into a town car for singles or a primary circle of relative’s vehicle which you replace quick. However, the brand new Civic (model from 2006) made a strong influence on me.

Pros: A lot of recent functions, a few pretty superior. Top safety: impact-soaking up body, all 6 airbags, ABS, sensors, and all of that in the base model. Excellent fuel financial system — just slightly worse than Corolla (which is pinnacle in that admire). Although a smaller car, it grew through the years. I even attempted shifting the motive force seat all the manner returned after which sitting behind it, and it became OK. It’s quite wide inner — it is no minivan, so do not count on wonders, but perfectly applicable. Also, the options are created fairly, so all I needed to add become AC — it had everything else. The layout is glossy, the interior very great, and very exciting for a motive force. Driving a Civic (manual transmission) is just a stunning experience.

Cons: The best flaw I discovered changed into small trunk space. Trunk is smaller than most of the motors I’ve checked out. Corolla has 40L bigger trunk which is not negligible mainly in smaller motors. The form of the trunk is ideal which means that you can put in exclusive strong pieces, however the total extent is sincerely small.

Honda CR-V

A completely new model (2007), bigger than before, and very well designed. I commonly did now not shoot for SUVs, however if I decided to get one, CRV might have been a serious candidate. The best flaw for me turned into that it would not include manual transmission.

Honda Hybrid

I actually have additionally taken into consideration hybrid automobiles, however, gave up normally for one motive: the batteries occupy a great part of the trunk space, and that changed into already a trouble with non-hybrid models. And with the charge, I determined to bypass on those great modern-day things this time.

Toyota Corolla

Towards Corolla, I had similar feeling as to the pre-2006 Civic — seems as a town, younger/small circle of relative’s car, simplest even extra than Civic. For my present-day scenario, I was critically thinking about it. What I did not like changed into the manner it became offered: the base version did now not have ABS, best the front airbags, and normally a few different fine safety capabilities have been lacking. Now the alternatives are controlled in one of these ways that in case you upload those matters, you also get lots of those which you don’t need (e.g. Sunroof), and it is no longer that low priced anymore.

On the other hand, it had lots to provide: properly space for a smaller car, the nice gasoline financial system, tested quality. But I gave up on it particularly due to the shortage of safety features.

Toyota Matrix

Similar to Corolla, with very comparable and worrying choice structure. I imply, it is going as much as $28,000 if I upload capabilities I need (ABS, Airbags, AC, …). That is due to the fact you also get leather seats, sunroof, and some different options.

Now Matrix turned into conceptually exactly what I wanted — a single-quantity, no longer too huge, however practical, multipurpose automobile. But it has been built on Corolla chassis, and to me it had a positive “incomplete” feeling to it. And nearly some cheapness as nicely.

Toyota Camry

I did now not find it irresistible very lots. I imply, it seems to be a wonderful car — it is massive, spacious, amazingly tender and comfy. It’s a chunk heavy which you may sense on acceleration, but again, it is a bigger automobile, so it is no marvel. Generally, Camry is starting to appearance and feel as a normal 6-cylinder huge American vehicle, that is possibly exactly what they’re looking to do. I did not like that a great deal — I like vehicles which include Accord higher; it is sleeker, extra dynamic, a piece harder on the road, sportier. Anyhow, besides for the fact that I did not need a large limousine-like automobile, I have nothing virtually in opposition to it.


Nissan is a first-rate automobile that sincerely did now not flare any precise hobby with me. This is of course only a non-public taste. Malta is specially very first-class, properly made and low-cost car. Sentra is less so — I found it beneath comparable sized automobiles. Maxima is an excellent full-sized automobile — but similar to Toyota Camry it turned into a chunk larger sedan that I’d pass for.


Now that is a puzzle. Sonata has a beautiful and really stylish style. It appears pretty excessive-cease via appearance. And it has excellent capabilities and lots of them. For instance, a modern-day trend — Histrionic transmission or CVT (Continuous Variable Transmission) that pairs the exceptional attributes of manual and automated mechanisms. I’ve heard that the gas financial system with CVT is nearly as correct as inside the manual one; in reality Volvo claims that in considered one of their fashions, on a dual carriageway, CVT plays even better than guide. But to me, riding a automobile with CVT changed into no longer that impressive revel in.

Hyundai glaringly has plenty of new functions for a fantastically inexpensive price. And even though it does look top, you can nonetheless tell that it’s a less expensive car. When Hyundai entered the American promote it became known as the worst car — humans say it would final you for 12 months. But in the beyond 5 years they have got made the sort of true development, that during a few independent ratings (Such as Consumer Report’s) they price higher in some factors than Honda or Toyota. All in all, I did now not spend lots time on it, although I’ve taken into consideration each Sonata and their SUV Tucson as an alternative.


I was searching especially at Mazda 3 Sport. By the manner, the call is absolutely misleading — for a long time I did no longer even take into account it due to the fact I simply thought it is a sport version not appropriate for a own family. But after I did look at it, I become amazed to research that it virtually isn’t always — the term “game” reputedly got here up handiest due to the fact “hatchback” turned into too “boring”. Silly — I do not assume they truely thought this one via properly.

Anyhow, I found out it has almost all I wished, and on test force it felt in reality right. The dealer informed me they sell by and large guide variations because it’s a performance vehicle. I doubt this is clearly authentic, but it’s miles actual that the automobile is pretty sporty — very responsive, fairly strong, and in trendy a pride to force. Nevertheless, it has corrected area internal, and generally is appropriate for a circle of relatives.

But the trunk was small, i.e. Narrow. The width of the trunk is absolutely the same as the width of the trunk door. This I absolutely don’t recognize — appears as though they purposely did not use all of the available space. In addition, its crash scores (from the exams) had been now not the satisfactory. And as a smaller flaw the seat covers felt a piece unsightly.

But it’s far generally an excellent automobile and I was thinking about it very seriously

Mazda five also caught my interest because it turned into a larger family car, but not a minivan. I became comparing it to Matrix. However, it regarded to me that the aim with an unusual “crossover” layout was now not definitely achieved (or completed), as a minimum to my non-public flavor. The 1/3 row is just too small for every person except kids to apply for any longer pressure. With the third row up, the trunk is simply too small. Although now not a minivan it is still fairly heavy and “lazy” on the street. It’s typically a totally thrilling vehicle, really worth searching at.

Difference Between Hyundai Santro And Maruti Suzuki Celerio

The Hyundai Santro 2018 is launched by Hyundai Santro private limited company established in South Korea. The Hyundai Santro new come in the market with a 1.1 liters 4 cycle engine as compared to the older version. It comes with advance and automatic features. On the other side Maruti Suzuki Celerio car produced by the Japanese manufacturer Suzuki. It is the first car with Auto Gear shift technology. It has K10B Aluminium engine. The difference between both cars are depicted in the table as given below:

S. No. Parameters Hyundai Santro 2018 Maruti Suzuki Celerio
1. Length of the car 3610mm 3695mm
2. The height of the car 1560mm 1560mm
3. The width of the car 1645mm 1600mm
4. Main Wheel Base Steel wheels having a 240mm base Steel wheels with a center gap having a 2425mm base
5. Size of the tire 165/70 R14 155/80 R13-165/70 R14
6. Car Engine 1086 CC Three cylinders have 999 CC engine
7. Power Its power is 69hp Its power is 68hp
8. Torque 99Nm per 84Nm 90Nm per 78Nm
9. Fuel efficiency 20.4 kilometre per litre 23.2 Kilometre per litre
10. Variants It has 9 different variants It has 12 different variants
11. Light type The light bulb is used Halogen bulb is used

Hyundai Santro 2018 Model

Hyunday Santro

Maruti Suzuki Celerio model


There are some common features between both cars. Both cars have an automatic brake system. Moreover, two brake type is used in both cars such as the front and rear brake type. The rear brake type of both cars is drum while front brake type of Hyundai Santro is disc and ventilated disc of another car. Both cars use high-security features like airbags in case of emergency situation.

Price of Hyundai Santro 2018 and Maruti Suzuki Celerio

The Hyundai Santro price in India starts at 3.89 lakh. The Hyundai Santro price range varies from 3.89- 5.64 lakh. The price of Maruti Suzuki Celerio starts from 4.25 lakh. There are 12 variants available in Maruti Suzuki Celerio. The price of these variants is also different. It ranges from 4.25 lakh to 5.4 lakh.


Finally, it is noted that both cars come in the market with a vast difference. Maruti Suzuki Celerio car is a better option who want to spend less money and have a low budget while for more advanced features go for Hyundai Santro.

Also, check the upcoming MG Cars in India.

All You Need to Know About Auto Insurance

What is auto insurance?

It is an agreement between you and the company that defends you against any monetary loss in the happening of an accident or theft. In trade for your paying a premium, the insurance company agrees to pay your losses as summarized in your guidelines.

Auto insurance is made obligatory by most of the states and this provides you with some economic protection in case of an accident or any misfortune. But this information is not enough for an individual to decide whether he should take up auto insurance or not. For this, you need to more about different kinds of aspects provided by AutoVillage. So let us learn how this works and what is obtainable from it.
Different types of Auto insurance:

• Property – This includes losses such as damage to or theft of your car.

• Liability – This includes your official responsibility to others for physical injury or assets damage.

• Medical – Includes the cost of treating injuries, therapy and any other kind of medical expenses.

Fundamentals of Auto Insurance

You need to understand some basic things about your scheme. Car insurance might be different in some ways but here are some common things about it that will mostly remain the same.

• Your policy will cover you and your family members listed on the auto insurance, whether you are driving your car or someone else’s car (with their authorization).

• Your policy will also provide protection if someone who is not in your scheme is driving your car with your approval.

• Your personal vehicle insurance only covers driving for personal reasons, whether you’re commuting to your office, running household errands or taking a trip to another city. But it will not provide any kind of cover if you use your car for profitable purpose. For instance, if you rent out your car or use it for delivery purposes.

• Personal auto insurance will also not offer coverage if you use your car to supply transportation to others through a ride-sharing service such as Uber or OLA. A number of auto insurers, on the other hand, are now offering supplemental products (at an extra cost) that expand coverage for automobile owners providing ride-sharing services as well.

Is Auto Insurance Mandatory?

Requirements differ from state to state and you might have to get it depending on your state’s legal guidelines. If you are financing a car, your lender may also have its own necessities and might want you to get it. Almost every state requires car owners to take:

• Bodily injury liability – which covers expenses related to injuries or death that you or another person has faced in an accident while driving your car.

• Property damage liability – which compensates others for damage that you or another person who was driving your car might have caused to another vehicle or other property, such as any boundary marker, any building or pole in the accident.

These things make it compulsory to enroll in one policy as soon as possible. This will not only help you but also your family members. So make sure you take up a policy as soon as possible for a safe and secure drive.