Car safety is constantly improving. Seat belts, air bags, and crumple zones are all forms of technology that have become standard in every new car that hits American roads. But even though these features have driven down fatalities and injuries (auto insurance companies rejoice!), cars can always improve, and the government is looking to make even more safety technology standard in the future.

In their recent list of most-wanted car safety improvements, here's what the National Transportation Safety Board has recommended be in every car in the near future:

#5) Electronic Stability Control

Electronic Stability Control systems, or ESC, are already standard in many larger vehicles, such as SUVs, and for a reason: Estimates are they reduce fatalities by a third. The systems, which detect skidding and apply braking to individual wheels while reducing engine power, are widely considered one of the more important life-saving technologies, and will be standard in all new cars by the end of the year.

#4) Adaptive Cruise Control

Cruise control is great for some drivers, but it also presents a problem: Making sure you react to changing road conditions. Adaptive cruise control helps do that for you by scanning the road constantly and adjusting speed according to what it detects. While rudimentary versions of these systems have been around since the 1990s, and it's largely a feature on luxury cars, Subaru has already introduced ACC systems in their 2013 Outback and Legacy models, and Chevy will be bringing them to the 2014 Impala. Expect any new car to come with these systems before we vote in the 2016 elections.

#3) Lane and Collision Warnings

One of the simplest uses of sensors is to simply let drivers know when something is going wrong. Lane and collision warnings uses this sensor data to let you know when you might be drifting, or when the other guy might be on his phone instead of paying attention. It sounds simple, and it is; but even just letting drivers know can save lives. Expect this to be standard by the end of 2015, as companies will be installing these sensors for other reasons, and configuring the warnings is fairly cheap and simple.

#2) Automatic Braking

Speaking of those sensors, it's an old joke but it's true: It really is often the speed that kills you in collisions. So if all else has failed and it looks like you're about to crash, automatic braking systems slam on the brakes, reducing speed and turning fatalities into injuries, and serious injuries into minor ones.

That said, there's still a lot of controversy around these systems, since they can take control out of the driver's hands and some of the more aggressive designs will automatically stop for, for example, stop signs. Expect these to be an option, not standard, in most cars by 2020.

#1) Smartphone Lockdown

The final recommendation is possibly the one that most people will dislike: Systems that detect when the smartphone is near the driver ... and lock it down.

Distracted driving is dangerous, and it's unclear if hands-free sets are as dangerous as socketing the phone in your ear. Nonetheless, this idea is less than popular among automakers and many drivers. Still, expect it to start becoming available sooner rather than later, especially as an aftermarket system for used cars to keep teenagers from yakking themselves right into an accident.

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It's no secret that auto insurance rates can vary from zip code to zip code, or even person to person. After all, we're all different, and even the most generous insurance company is very granular and careful in its approach to each policy.

Nonetheless, a recent study has demonstrated that even between two people who are absolutely the same in terms of driving record and vehicle and who live in the same zip code, rates can vary by a staggering 33%. But why is this the case... and what can you do to avoid overpaying for insurance?

Let's start with where the variation comes from in each policy. It's all about the data the insurance company collects, the data they compare it to, and how important each data point is.

What Data Are They Looking at?
Auto insurers look at a truly enormous amount of data about you, your car, and where you live. Your driving record, your gender, your age, any gaps you may have in coverage, and other factors that we all know about will come into play as they assess your policy. This isn't really a secret, of course: We all know that insurance companies look at us closely.

But there can be dozens -- or even hundreds -- of other factors that go into determining the risk when you hit the road. The key point here is that insurance companies are looking for patterns: This type of person tends to be a better or worse driver based on the histories they have available. Compounding the issue is the fact that some companies won't even look at data that other companies will; you never know who is looking precisely at what.

Who Are They Comparing You to?
This brings us to the second factor: historical data. The more drivers a company has that are exactly like you, the more accurately they can predict your risk. The less data they have, the more inherently risky insuring you, or anybody like you, is. As a result, companies with more data to draw from can have wildly different rates from ones with less data.

Finally, there's the matter of weighing the information properly. For example, your insurance company can easily determine your eye color, but it's unlikely having blue eyes will make you more likely to crash your car. But small factors can make a big difference, depending on how important each insurance company views each factor. Things that are no big deal at one company may make you more of a risk to others, and there's no way to tell what factors are weighing you down.

Bottom Line: How Do You Ensure You’re Not Paying Too Much?
So, how do you avoid being overcharged for your insurance? Fortunately, it's pretty easy: Shop around. Get quotes from as many providers as possible, and don't hesitate to ask questions, especially if your rate is higher from one company: Ask why their quote is higher and what they might be able to do to lower it. Find drivers who are similar to you and ask them what insurance they use and why.

Do that, and you'll be getting better rates on your insurance, no matter what the data is supposed to say.

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If you own a car, then you are undoubtedly familiar with traditional auto insurance and how it works. You purchase a policy with an insurance company, and the insurer agrees to pay you in the event your car is damaged in a collision (or stolen). The coverage also reimburses you or others for medical expenses incurred as the result of an auto accident.

But there's another type of policy called non-owner's car insurance. This seems like an oxymoron; after all, if you don't own a car, why would you need to buy car insurance?

Why Buy Non-Owner’s Car Insurance?

In reality, there are quite a few Americans who have a valid driver's license and drive occasionally but have not purchased or leased a vehicle of their own. These people may primarily use public transportation, or live in an area where they can walk or bicycle to their destinations.

But that doesn’t meant they never drive (or never will). For example, maybe they borrow a friend’s car on occasion. Maybe they occasionally rent cars for business or pleasure. Or maybe they plan to get a car in the future and want to avoid terminating auto insurance coverage in order to remain continuously insured and receive lower premiums. Otherwise, gaps in car insurance coverage may signal that the person is a high-risk driver, and they'll pay higher premiums whenever they do renew their coverage.

Also, non-owner's car insurance can meet certain obligations which may be imposed upon a certain individual. For instance, if a person must apply to have his or her driver's license reinstated (perhaps after receiving a DUI conviction), non-owner's car insurance can satisfy an insurance requirement for a court even if a driver doesn't own a car (or has had it impounded or totaled).

Who Isn't Eligible for Non-owner's Car Insurance?

As mentioned previously, people who own vehicles cannot qualify for a non-owner's car insurance policy. This also applies in cases where there is a vehicle in the individual's household that they use on occasion. In these examples, the driver would have to be added to the policy of the vehicle's owner. Also, someone who drives a car for business cannot obtain a non-owner's car insurance, nor can someone who a) does not have a driver's license, and b) cannot obtain one within 30 days of the start date of a non-owner's policy.

The Fine Print

Like traditional auto insurance policies, non-owner's car insurance provides coverage for property damage and bodily injury liability. Customers may also have the option of purchasing coverage for medical payments as well as uninsured and/or underinsured motorist bodily injury liability. However, non-owner's car insurance policies do not offer comprehensive, collision, towing, labor, rental reimbursement, or custom equipment and parts coverage -- meaning that the premiums will be significantly lower than they would be for traditional auto insurance.

How to Obtain Non-owner's Car Insurance

If you think that a non-owner's car insurance policy would be right for you, simply contact an auto insurer to see about getting coverage. You would apply in much the same way you would with a standard car insurance policy, and your premiums would be based largely on your driving record, area of residence, and similar factors. Most importantly, if you purchase a vehicle while you have a non-owner's policy, you must notify your insurer immediately; otherwise, you will not be covered under your current policy.

Non-owner's car insurance can keep you protected and save you money - and it may be preferable to letting your auto insurance coverage lapse. So call your insurance agent today to see if you are eligible!

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My job is to convert hydrocarbons, carbon monoxide, and nitrogen oxide from the exhaust into a less-harmful chemical, carbon dioxide! What am I?

A: The Catalytic Converter!

Want more safe driv...

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Buying a used car in the Aurora area is difficult…Auto Repair shops like ours understand the stress, excitement, and anxiety that comes with strolling around the used lot for that perfect fit. Click

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While I’m sure many of us would love to have a hybrid vehicle sitting in our garage, for many it’s simply isn’t in the cards financially. Fortunately, your reliable Littleton Auto Repair mechanics have...

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I compress when you drive over bumps to take the jolt out of bounces. What am I?

Answer: Shocks!

Want more safe driving and preventive maintenance tips, fun facts, and special offers? Join the c...

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The east coast of the U.S. is still trying to put the pieces back together after Hurricane Sandy. The "superstorm" roared through the region in late October, killing at least ten dozen people, injuring countless others, and cutting power and other utilities to millions of people for days and even weeks. And damage from wind, rain, and flooding will take months -- if not years -- to repair.

But how about cars? How much damage did Hurricane Sandy inflict on vehicles?

Conflicting Auto Damage Estimates

Original estimates by the National Automobile Dealers Association indicated that as many as a quarter of a million cars ands trucks could be "removed from used vehicle supply" by the time all damage estimates are calculated. This would include not only those vehicles owned by consumers that were flooded out, destroyed, or heavily damaged by the storm; but also those new, unsold vehicles which were rendered unsellable due to damage on lots, in warehouses, or in other storage areas. Six of the eight biggest automakers (by U.S. sales figures) have reported combined losses of 16,000 new vehicles -- and that total doesn't include data from General Motors or Ford, which have yet to post their estimated numbers of damaged new vehicles.

But a subsequent examination by The Associated Press reveals that the number of auto insurance claims filed by vehicle owners is far less than what was originally predicted. Ten days after Sandy struck the U.S., only about 38,000 claims have been filed with insurers, according to the AP. And while that number has certainly grown since then, the pace of claim filings had already begun to slow. In addition, the National Insurance Crime Bureau said that the number of car insurance claims from Sandy is far less than it was for Katrina seven years ago.

Computing a Round Figure May Be Difficult

Total damage estimates from Hurricane Sandy range anywhere from $7 billion to $15 billion. However, damage estimates from auto losses related to Sandy may be harder to compute. There are three big reasons for that:

  1. Because vehicle prices vary greatly, it's difficult to assign an average cost figure to accurately estimate automotive losses.
  2. There were a number of vehicles that were not damaged beyond repair; those insurance claims will be smaller than those for totaled vehicles.
  3. Only about 75 percent of vehicle owners had purchased comprehensive auto insurance coverage, which would pay out money in the event of damage from a storm like Sandy.

What About My Premiums?

Not surprisingly, the massive amount of claims will eventually affect future auto insurance premiums. Obviously, people in the states most affected by Sandy will absorb much of the additional costs incurred by insurers, in the form of higher premiums. But because different auto insurance companies distribute risk differently, it's almost impossible to predict how the premiums for drivers in other states will be affected.

One thing is certain: those vehicle owners who chose not to buy auto insurance coverage at all -- in violation of state law, by the way -- won't be getting any reimbursement for their damaged or destroyed cars or trucks. And there won't be any "uninsured" costs being passed on to other customers as a result, as there are with uninsured vehicles in auto accidents. This is yet another reason why it's vital to obtain comprehensive auto insurance coverage for your vehicle; otherwise, you could be left without wheels or loss compensation.

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If you bring a used vehicle by your local auto shop, the ASE-Certified technicians there can perform this service to make sure the car is in good condition before you buy it. What am I?

A: Pre-Purchase Inspection!

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Every 10 degrees up or down in the temperature can mean a difference of 1-5 pounds of pressure in your tires.  What was that mean to you?

Imagine taking two identical cars out onto a test track: one with normal pressure and one with improper pressure.  The vehicle with proper pressure wi...

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Antifreeze/Coolant

Coolant and antifreeze help your engine to cool itself. Over time, a change in your vehicle’s pH balance can lead to rust and scaling in the system. When this happens, the system may clog and your engine won’t be able to cool itself effectively.  An engine t...

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Election Day 2012 has come and gone. Dianne Feinstein was easily reelected to the U.S. Senate. A total of 37 out of 47 U.S. Representatives from California were re-elected to Washington. And a couple of new taxation measures were approved by voters in the Golden State.

But one of the ballot proposals which was given a thumbs-down by California voters was Proposition 33, which would have affected how auto insurance rates are computed in the state. This petition-driven initiative would have allowed auto insurers to base their premium prices on whether a driver maintained continuous coverage over the previous five years with any carrier.

Pro vs. Con

Proponents of Proposition 33 claimed that this measure would help most California drivers save money. Currently, drivers in the state can receive a discount if they keep their insurance coverage with the same carrier for a certain period of time; but if they switch insurance companies, they lose that discount. Proposition 33 would have allowed these insurers to continue offering these discounts if the driver maintained continuous coverage for five years, regardless of whether that coverage was with the same company or not.

But consumer advocates opposed the law, saying that it would raise insurance rates for many people. They claimed that insurers would offset the lower premiums paid by newly-discounted drivers by raising the premiums of those who had "gaps" in their auto insurance coverage over the previous five years. People who lost their jobs and couldn't afford auto insurance (and who would therefore hopefully avoid driving altogether as per California law) would conceivably fall into that category.

What Does This Mean?

So now that Proposition 33 was defeated at the ballot box, what does this mean for California drivers?

The good news is that no one will see their auto insurance rates go up. The primary criteria for determining California auto insurance premiums will still be driving experience, driving record, and number of miles driven annually (as set forth by statute).

Plus, drivers who stay with their current auto insurance carriers for years at a time will continue to qualify for a discount on their premiums. And drivers who cancel auto insurance for any length of time won't be penalized by having to settle for significantly higher premiums.

But there is a downside. Drivers wishing (or being forced) to switch auto insurance carriers will lose that "customer loyalty" discount when they sign up for their new policy. Moreover, insurance companies are prohibited by law from using discounts to attract new customers -- so it's likely that a change in auto insurers will result in higher premiums for any California driver who makes the switch. The net effect may be a reduction in competition among auto insurers in California.

Whether the proposal's failure is good or bad largely depends on what group of people you identify with. If you have canceled your auto insurance in the past five years due to joblessness or any other reason, then you will appreciate the fact that your rates won't go up because of the gaps in your coverage history. But if you have maintained auto insurance since you have started driving in the state and would welcome an opportunity to shop around for lower auto insurance rates from other carriers, then you will probably be frustrated by its defeat.

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We recommend you stick to the 3000 mile interval when it comes to your oil changes. It’s your car, your engine, and your choice if you don’t want to end up with thousands of dollars in repairs down the road.

Synthetic oils should also be changed as often, even though they are a...

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You may have heard recently about a 29-year-old British man who sold a rare F1 McLaren vehicle for $5.5 million. Sound like a lot?

Pffft! It doesn't even come close to a world record.

Car value is often determined by two things: The rarity of the vehicle itself, and the rich and sometimes bizarre history of the specific car. Here are the three most expensive cars ever sold, and how they fetched so much. (No word on how much car insurance costs for these puppies...)

#3) Mercedes Benz 540K Speziale Roadster

http://en.wikipedia.org/wiki/File:Mercedes_540K_side_20020707.jpg

Sale Price: $12 Million

This sold so highly for two reasons: One, its unique history and, two, managing to avoid a dark period in the history of Mercedes.

See, the 540K is a fairly rare car and many of them were destroyed. Why? Because they were the preferred roadster of the Nazi Party. So when this one hit the market, it was one of the few Mercedes collectors could buy with a clear conscience. In fact, only 70 were ever made, and a fair number of those are of interest to the German government as historical items. Only a few, such as the custom car of Jack Warner of Warner Brothers fame, can even legally be sold.

Even more impressive was its odd past. Owned by a German baronness, the car was found in a barn in Connecticut, in pristine condition as if plucked from time. It even had cigarette butts with lipstick and vintage maps in the glove box. It was lovingly restored and sold to a collector at auction.

#2) 1957 Ferrari 250 Testa Rossa

http://www.creativecrash.com/system/photos/000/121/967/121967/big/ferrari_250_tr_1.jpg?1295026426

Sale Price: $17 million and $13.5 million

Testa Rossa is Italian for “red head,” and between 1956 and 1961, only 34 of these machines were built. But they have one heck of a racing pedigree: A Testa Rossa won Le Mans in 1958, 1960, and 1961, and in fact, the two above sold for such high prices because they were lovingly-kept race winners. The only more valuable model than this one is the 250 GTO... and whatever one of those might be sold for, nobody knows: There's no publicly available auction information.

#1) Bugatti Royale Kellner Coupe

http://en.wikipedia.org/wiki/File:Bugatti_Type_41_(Royale)_Coup%C3%A9_Napoleon.jpg

Sale Price: $20 million for the Kellner, $13 million for the Berlin De Voyager

Bugatti was arguably the last word in luxurious rides in the early part of the 20 century, but it was also a marque plagued by bad timing. Right when Bugatti was putting together the Bugatti Type 41 -- a car aimed at being the most luxurious (and heaviest) car ever built -- the Great Depression hit. Of a planned 25 cars, only six were made, and only three of those were sold.

The Kellner has an interesting history: It was hidden by the Bugatti family on their estate to avoid the Nazis taking it, and then sold in 1950 for $3000 and two refrigerators. That owner sold it to a Swedish real estate tycoon, and when he went bankrupt, it was sold to a Japanese company. Who currently owns it?

Nobody knows, believe it or not.

The Berlin, meanwhile, wound up being sold to the man who founded Domino's. That's a lot of pizza!

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The last thing anyone wants is to come out to a car that won’t start because the battery is dead. Typically, we won’t experience the wrath of a scorned battery until cold weather comes, but it’s actually the summer heat that toasts your juice! Here’s a list of tips to keep you...

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Hurricane Sandy was a wake-up call to many Americans. It was a reminder that many of the things we take for granted can become difficult to obtain in a time of crisis. Gas was no exception.

After Hurricane Sandy, many areas were experiencing ongoing gasoline shortages. This is due to many reasons: Difficulty getting gas shipped where it's needed, port closures, enormous demand as people have to power both generators and cars. It all added up to a big, aggravating mess.

If such a storm ever hits in your area, how can you avoid being stuck in line for two to four hours to gas up? Here's some advice...

#1) Avoid Using Gas Where Possible

It seems obvious, but anything obvious really is worth repeating: If you don't have to drive, don't. If you can carpool, take public transit, or ride a bike, do it. It may be inconvenient and not very fun, especially if you're not used to using these systems.

But really, if you think about it, so is sitting in line for hours to get your vehicle gassed up. Of your options, it's likely to be cheaper and less stressful to simply avoid burning gas in the first place.

#2) The Early Bird Gets the Gas

Call gas stations in your area and find out when they open, or if they're open 24 hours, what the off-peak times are to get fuel. Be warned: This is likely early, early in the morning, or late at night. Or, perhaps, sitting on the cusp of the two. Either way, if you want the gas, be prepared to show up early and get it.

Be aware that you likely won't be the only one doing this, so it might be a good idea to ask how many calls that gas station has gotten, and to find the off-peak times for more than one station in your area.

#3) Go Out of Your Way

One of the central problems the northeast was having was that while demand for gas was sky-high, many gas stations and convenience stores were simply unable to sell it. They didn't have power, or shipments were late, or any of a myriad of other problems were making it impossible for the gas station to do its job. So, instead of waiting at the station you know, break out Google Maps and find gas stations that may be off your beaten path.

#4) Use Gas Apps to Find Less-Than-Ideal Prices

Sometimes you have to swim against the flow of demand. For example, gas prices are generally higher in the New York and New Jersey area due to the problems we mentioned, but you can also use them for a contrary purpose: Finding the highest priced pumps, which may have shorter lines.

True, it's not an ideal solution, but it really comes down to how much your time is worth and how stressful you find the lines. Paying more may not be feasible or ideal, but if you're pressed for time or sick of waiting, it might be worth a try.

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You can tell a lot about a car by the smell and not just what drive thru you stopped at on the way home. Often times our vehicles’ strange behavior is accompanied by a smell. Using your olfactory prowess can help you figure out the culprit and get your vehicle back to running like a dream. Here...

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Thanksgiving is fast approaching which means that American’s will soon begin to feverishly shop for holiday gifts. While people certainly shop for auto insurance, it isn’t the type of gift that is typically placed under the Christmas tree.

As an official sponsor of the UFC®, SafeAuto Insurance is giving away amazing memorabilia from the Ultimate Fighting Championship that fans everywhere will be bragging about. Signed gloves, posters and hats from top fighters such as Chuck Lidell, Jon “Bones” Jones, Chael Sonnen, Junior Dos Santos and Phil Davis are some of the amazing gifts that SA will give away through their various social media channels.

For our first contest, we will be giving away an official UFC® signed glove from Jon “Bones” Jones. If you can name the music contest that SafeAuto runs beginning in January (hint: visit our website to find out) you will be entered into a random drawing for your chance to win this amazing gift!

Email your answer to socialmedia@safeauto.com for your chance to win. Stay tuned to our Facebook page where we will be announcing the winner on 11/14/12.

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New to Old Dominion? Looking to find out what you need to be covered while you drive in Virginia? Here's our ultimate guide to Virginia's car insurance laws: What you need to be covered, and what you need to keep covered.

Car Insurance Requirements ... of Lack of
Let's start with the most basic question: Do you need car insurance to drive in Virginia? The answer, surprisingly, is “no.” Under Virginia's financial responsibility law, you can actually pay an “uninsured motor vehicle fee” in lieu of insurance. This financial responsibility law defines car insurance in Virginia and how it's handled in many ways, but being uninsured in Virginia is actually a great argument for car insurance.

First of all, the fee is $500 for twelve months. Yep, you'll be paying that fee every single year for as long as you don't have insurance.

What do you get for your $500? Nothing. This fee gives you no insurance and no protection in court: If you're in an accident and are determined to be at fault, you are liable for the whole cost. The best case scenario -- a crash with only property damage where you're at fault -â€" would cost you $7,500, on average. If you potentially injure somebody, even just minor bumps and bruises, the average jumps to $21,000 to $25,000.

So, it's a good idea to be insured in the Mother of Presidents. What's the minimum coverage that you'll need?

- $25,000 in coverage for bodily injury or death of one person

- $50,000 in coverage for bodily injury or death of two people

- $20,000 in coverage for property damage or injury to others

These are just the minimums. You can, of course, get more coverage, if you want.

Irresponsible Behavior in Virginia
The financial responsibility law also has two forms that are issued in case of irresponsible behavior. If a driver falsely declares they're insured, has any unsatisfied judgments, or commits a felony under Virginia's motor vehicle law, his or her insurer will have to file a Certificate of Financial Responsibility proving insurance has been purchased, the SR-22. The SR-22 is only fulfilled with insurance that hits the minimums above.

Drivers who have a recent DUI on their record, though, are subject to the FR-44 form. That has different requirements for liability:

- $50,000 in coverage for bodily injury or death of one person

- $100,000 in coverage for bodily injury or death of two people

- $40,000 in coverage for property damage or injury to others

Yup, anybody with a recent DUI, in state or out, will need to have double the insurance of the typical driver on the road.

Insurers won't issue these certificates to non-Virginia residents, either, so drivers with DUIs may find it tricky to get onto the road.

Ultimately, Virginia is a beautiful state to drive in, and an easy one to be insured in. Just be aware of the minimums and be aware that you are financially responsible for how you drive, whether you're paying out of pocket or covered by auto insurance.

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Ready to hit the road in the Palmetto State? Here's what you need to know, and what you need to get in coverage.

Auto Insurance Laws
First of all, South Carolina is best defined as a “no ifs, ands, or buts” state: Under the state's Motor Vehicle Financial Responsibility Act to be registered and on the road, you need to have car insurance that meets the state minimums, and having insurance is strictly enforced.

Similarly, if you want a license, you'll need to have insurance if you own a vehicle; although really, since it needs to be registered, you'll probably have that base covered already. The state recommends that if you're moving there from another state, you change your address with your insurance company before you go in to register. As South Carolina verifies your insurance electronically, that will smooth over a lot of potentially annoying paperwork bumps.

They're not shy about enforcement, either. If a motorist is pulled over and is unable to demonstrate that his or her car is properly insured, a citation will be issued. This isn't a normal ticket: It requires you to prove that you had insurance while on the road within 30 days of being issued. If you can't prove it, and are convicted of driving while uninsured, your driver's license can be suspended indefinitely until you fulfill the state's requirements. No ifs, ands, or buts.

Similarly, if a driver's insurance lapses, the insurance company will contact the state DMV, which in turn will get in touch with the driver. Either the driver demonstrates that they have insurance... or he will have to surrender his plate and registration. If this happens to you, expect it to cost you $400 to get your plate back. The good news is that drivers who voluntarily surrender the plate and registration won't have to face any punishment under the Financial Responsibility laws.

Minimum Requirements
So, how much do you have to have to get on the road? South Carolina has the following minimums:

- $25,000 in coverage for bodily injury or death of one person

- $50,000 in coverage for bodily injury or death of two people

- $20,000 in coverage for property damage or injury to others

Drivers that don't meet the minimums will, as you might have noticed, get either their license suspended or be forced to surrender their registration.

So what option do drivers have to get those items back?

It's called the SR-22. It has to be issued by insurance companies and is required in the case of drivers who have had their licenses suspended because of driving under the influence, were convicted of driving on a suspended license, or were convicted of driving while uninsured. However, this form will only be issued to South Carolina residents, so drivers from out of state with these problems may need to make other arrangements with the state.

Ultimately, what South Carolina wants from its drivers is responsibility. If you drive responsibility and stay current on your insurance, you'll be able to see all this lovely state has to offer with no trouble whatsoever.

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Everybody wants lower premiums, but some people take it a bit further than others - sometimes to the point of being just a little, well, kooky. Here are five ideas we don't necessarily recommend, but some people are trying nonetheless.

#5) Obsess Over Gas

Thomas Cybiontt hates paying for gas. We know this not because he's expressed a hatred of gasoline, but by his various fuel-saving and insurance reducing tips. Mr. Cybiontt will never get a speeding ticket because he never tries to overtake anybody and he probably won't have to worry about an excessive repair bill anytime soon because he obsessively changes his oil. It may not directly save on insurance, but it's a nice secondary benefit.

#4) Limit Driving Your Car

Hey, it undeniably works. The fewer miles you drive, the less likely you are to get into an accident. Most people simply just skip the car and take public transportation or carpool to work. However, there are more extreme methods we've seen including driving your car halfway to work and walking the rest of the way, starting a carpool so enormous that you only drive your car to work one day a week and never driving more than ten miles away from home.

#3) You Can Fix Anything In Your Garage, Right?

Your insurance company will really only become aware of a repair bill if you take your car to the shop. Extreme savers will avoid raising their insurance rates by attempting to fix the car themselves. This can actually make sense if it's a relatively simple repair and you're handy with a wrench and a grease-gun. Anybody can fix a tail-light, or (with a light practice) remove scratches in the paint.

However, there are points where you need to give up and consult the professionals, as a quick browse of the Internet will show you:

#2) Driving an Absolutely Ancient Automobile

Joel Berry, in 2008, ran the numbers on the Geo Prizm he bought (used) in 1995. Yes, we're surprised a Geo Prizm was still on the road in the 21st century, too. Joel points out that, among other benefits of driving his car, he has cheap insurance. It's not really a surprise, since currently the highest market value of his car is $1764. Even if his car is completely totaled, his insurance agency is out mere pocket change. Of course, it doesn't have great fuel efficiency and Joel himself is forced to admit that his last repair was $1000. He argues it's still cheaper than the $250 car payment he'd shell out per month for a used car.

#1) Getting Rid Of Your Car Altogether

This isn't really a car insurance “tip” as much as it is pretty much an extreme saver tip. Believe it or not, there are people who make it work. Many who live in the suburbs will still have insurance since they maintain a license, but will rent cars or take public transportation. Of course, the trade-off here is that if you wreck a rental car, or your friend's car, you might not be covered.

We don't recommend trying all of these, but at least some people are happy with their savings.

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If you've just moved to the Prairie State, you're probably worried that the DMV there will be like the DMV everywhere else. But don't worry. We've got a simple guide for you that tells you everything you need to know about getting your car insured in Illinois.

Auto Insurance Requirements
Let's start with the basics: Everyone in the state needs to be insured under Illinois law. You can't post a surety bond or pay an uninsured vehicle fee like in some other states, although Illinois has a way for any driver to get insurance that we'll get to in a little bit. Any insurance on your car must meet the following requirements:

- $20,000 in coverage against bodily injury or death of one person in an accident.

- $40,000 in coverage against bodily injury or death of two people in an accident.

- $15,000 in coverage against injury or property damage in one accident.

- $20,000 per person coverage against uninsured motorist-inflicted bodily injury, which will cover you against injury from either drivers who are uninsured, or drivers who commit a hit and run. This is sometimes called UM coverage.

The state recommends that you get more than the minimum requirements, as many new cars are worth more than $15,000 and liability for serious injury or death will cost a lot more than $20,000 a person. Needless to say, of course, the best cure is prevention: They want you to drive carefully while on the road. If you buy more than the required minimum for UM coverage, you may also be required to get Underinsured Motorist Bodily Injury insurance, or UIM coverage, to make up the gap between your insurance and other motorists' coverage.

Difficulty Getting Insurance
Some of us have less than perfect driving records, or perhaps will have difficulty getting auto insurance for other reasons, such as owning a difficult vehicle to ensure. Believe it or not, you are not out of luck thanks to the laws of the great state of Illinois.

First, the good news: It doesn't matter how terrible your driving record is, you'll be able to get insurance through laws passed in 1940. To qualify, you need to fit the following criteria:

- You must be turned down for auto insurance from other companies.

- You either have to have or be eligible for a driver's license in Illinois.

- You must not owe an outstanding premium on an insurance policy from the last 36 months.

- Your car must be safe to drive according to the state of Illinois' standards (i.e. you have to pass inspection).

Your premiums will be higher than they would be with normal insurance, but if you get on the road and maintain a good driving record, you'll be able to get on a better insurance plan sooner rather than later.

Ultimately, the rules are fairly simple. You need insurance to get on the road, and if you're having trouble getting insurance, the state will step in and help you get a car on the road. Then all you have to do is drive respectfully and courteously. See, it’s simple!

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Here's a fact that will surprise you: over the last fifty years, the number of vehicles on the road per American has just shy of doubled. While this trend has slowed since 1990, the number of cars per person is still steadily inching upwards.

Other odd trends have also come to light. For example, another figure that has steadily increased is the age of the average car on the road. The average age of the American car is a jolting 10.6 years and it's been steadily rising a decimal point or so a year since 1995. There are a lot of reasons for this. Cars are built better now than they ever have been, drivers are more aware of safety problems and cutting down on bad behavior such as drunk driving and people are consistently more frugal. That last one is especially important as new car prices have hit all-time records recently. Your average new car will cost you over $30,000.

All of which raises the question of how many cars will you own in your lifetime?

Let's run a few numbers. The average American life expectancy right now is 78 years and it's been steadily rising since 1970 at roughly a quarter year or so, every year, as medical technology improves and we learn more about human health. All of this is assuming we don't have a major medical breakthrough in our lifetimes, like turning cancer into something annoying you get rid of during a physical, which isn't a safe assumption. Let's stick the current yearly increase. We also took the liberty of assuming that owning your own car starts at the age of 18 since we're not going to insure a seven-year-old driver.

Similarly, we're assuming vehicle trends of the average age of the fleet rising about .1 years or so, every year, stays constant. That's a bit of an unsafe assumption as well. The EPA is going to require an average fuel efficiency of the US fleet of 54.5 miles per gallon by 2025 so everybody clinging to their 1995 Geo Prizm might finally be forced to take that eyesore off the road. However, it’s stayed consistent throughout the last seventeen years, so sticking with it makes sense.

What are the results? Right now, your average American will own almost six cars in their lifetime. Of course, that'll just be an average. Some will own more and some will own less. If that sounds high, stop and think about it. You've got a car, your spouse probably has one in his or her own name, your teenager may well have one in your name and you might have one for work. Not a lot of contractors want to drive their F150 to the grocery store.

However, by 2030, life expectancy will be up to 82 and your average American will only own five cars. The good news for the car industry is that we won't drop to four cars purchased until the 22nd century.

Cars will probably cost six figures by then but they will last for two decades. Also, for that kind of money, by the 22nd century they'd better fly.

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The majority of car commercials tout the product's strengths and perks for drivers who are alone in the vehicles (or maybe with a front seat passenger). American families with two or more children know those ads are nowhere close to reality. Thankfully, there are some automobiles that cater to large families. Here are the ten best 2012 models you'll find if you're part of a growing family.

1. Honda Civic

Honda isn't just for boxy car-loving, fuel economy geeks anymore. While the Civic does get about 39 miles per gallon on the highway, it has plenty of room for five people at an affordable price. The new display can even show family photographs.

2. Toyota Prius V

You don't have to give up the dream of owning a hybrid just because you have children. The Prius V hatchback boasts an average fuel economy rating of 42mpg, and it’s roomier than many of its SUV brethren. Plus, you'll save enough money on gas during your road trips to splurge for a fancy dinner on your way home.

3. Subaru Impreza

Sometimes, all you need is a little extra space for your beverage and a few other items. This sedan delivers with roomy seats that each has a greater-than-average amount of cargo space around them. All this comes in a car with stellar crash test ratings and an MSRP starting under $17,500.

4. Ford Taurus

It's got all of the great stuff for families like a roomy interior and numerous creature comforts. It's especially great for families with older kids because of Ford's MyKey system which enables parents to set speed limits for their teen drivers.

5. Honda CR-V

It's one of the hottest selling small compact sport utility vehicles on the market because it's so family-friendly. The cargo area makes it easy to load and organize your belongings, a user-friendly center console, and standard features like a Pandora interface, USB port, and rearview camera.

6. Chevrolet Suburban

No question about it â€" bigger is better. The Suburban can tow up to 9,600 pounds, carry unbelievable amounts of cargo, and keep everyone comfortable in the process. You might be interested to know that it can carry up to nine people. Nine. That's the entire Brady Bunch and Alice.

7. Kia Sorrento

You won't easily find three-row seating and a highway fuel economy rating of 32mpg. It also starts under $24,000. What's that? You say that you were hooked once you heard "voice-activated infotainment system?" Yeah, that's not uncommon.

8. Ford Flex

What it lacks in sleekness it makes up for in functionality. Not only does this vehicle have three rows of seats, but it also features a center-console refrigerator so you can keep juice boxes and cheese treats on hand for multiple errands.

9. Mercedes-Benz ML350

There's nothing wrong with wanting a Mercedes even if you’re swinging single days are over. The ML350 can fit three child safety seats in its rear seat, combining ergonomic kid seating with Mercedes style and luxury.

10. Honda Odyssey

If you're a minivan family, the Odyssey is your top choice. Not only does it get high marks for safety and reliability, but it also has a middle seat that can accommodate three car seats, as well as a 16.2-inch rear entertainment screen that will keep your children quite happy.

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White is the most popular vehicle color in the world. Owners of large sport utility vehicles tend to prefer black. Silver is a common choice for drivers of mid-size sedans. Other car color choices wax and wane in popularity from year to year. Many vehicle owners have strong opinions about what vehicle colors they love or hate. Is there more to a car color than personal preference and taste?

Not really. However, there are quite a few myths about the "power" of vehicle color. Here are six of the most prevalent:

  1. It alters your odds of getting speeding tickets. The "conventional wisdom" says that drivers of red cars are pulled over for speeding more often than people who drive vehicles of other colors. Supporting arguments include the high visibility of red, its widespread association with sports cars or a perceived "optical illusion" which makes red cars appear to be moving faster than they actually are. However, upon examination of actual moving violation records, it's apparent that there is no proven correlation between car color and speeding ticket incidence.
  1. It may make your vehicle harder to see. Let's face it â€" how many TV shows or movies have you seen where a villain, criminal or suspicious individual in a light-colored car is trying to surreptitiously follow the hero? Not surprisingly, this has given rise to the notion that darker colored vehicles are harder to see than lighter colored cars. While this is certainly true if the vehicle in question is parked in an unlit area, the headlights, brake lights, and running lights on all vehicles serve as equalizers in terms of visibility in darkness.
  1. It impacts the interior temperature of your vehicle. You've probably heard this one before â€" "Darker vehicles are hotter inside than lighter ones because darker colors absorb more heat that lighter hues." That may have been true once upon a time, but not today. Temperature tests have revealed no difference between interiors in light and dark cars. Why? Auto paint manufacturers have formulated superior paint finishes which reflect heat better. The vehicles themselves are more insulated from the elements than they once were.

  1. It is related to the number of collisions you are involved in. Anecdotes abound about how specific paint colors lead to more auto accidents than average. Gray or beige cars are hit more often because they are harder to see in daylight. Green cars are prone to accidents if driven in rural areas where green grass and crops grow. However, studies have not revealed any consistent findings which correlate collision incidence with vehicle color. One reason is that most research only examines crash statistics and does not account for the distribution of similar or different colored cars on the road when the data was compiled. This makes any conclusions untrustworthy.
  1. It affects your auto insurance rates. People who believe some of the above mentioned myths will insist that certain colored vehicles cost more to insure like red cars because of the greater number of speeding tickets. Black cars supposedly get into more crashes. Any auto insurance company will tell you that it only sets its rates based on actual driving-related factors (experience, driving record, make and model, miles driven, etc.) and not on exterior color. Those are the real-life determinants of claim risk.
  1. It increases your sex appeal. Come on. Did you really think this was true?
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It's hard to believe, but you actually got busted by the cops. You received a traffic citation or were arrested for DUI, and you don't know what to do next.

Should you just throw yourself on the mercy of the court? Or should you hire an attorney in an effort to beat that traffic ticket or DUI? Here's Steve Croke of TicketVoid.com with some very helpful advice.

What do you say to people who think that they don't need a lawyer for their traffic ticket?

There is almost nothing worse than the feeling you get when you see that your car insurance premium has risen drastically because of a speeding ticket. Every month, when it’s time to pay the insurance, there is a reminder of a ticket and a day that you wish you could erase. The fact that driving points add up can cause you even more stress, and you could possibly lose your license. Tickets come in waves, and the next ticket might result in the loss of your license, which could lead to the loss of your job! Your insurance will go up more than the amount you will pay for a traffic ticket lawyer.

Why is it pivotal to be represented by a lawyer in DUI cases?

Trying to defend a DUI charge on your own is no easy task. There are many technical variables that come into play that only an experienced DUI attorney will recognize. DUIs are very complex cases with serious statutory mandatory penalties if you plead guilty or are found guilty. By hiring an experienced lawyer to represent you, your case will be investigated through every possible angle that may help avoid penalties and potentially even win your case.

What are the disadvantages of simply "just paying the ticket?"

One speeding ticket can remain on your record for up to three years and cause your insurance rates to increase significantly. Also, having these violations on your record may also make you ineligible for car insurance discounts that actually save you money.

What are some of the ways that a lawyer can help you "beat" either a traffic ticket or a DUI?

Traffic ticket attorneys can help reduce your stress and save you more time and money. Moving violations attorneys understand that your record is on the line, so they will help you navigate the court system. Most people are unaware of the ins and outs of traffic court proceedings. Traffic law is not commonly used outside of the courtroom, which can further confuse you during a time when it is very important to understand everything being said. Conversely, the opposing police officer is well versed in this rhetoric. This leaves the accused at a huge disadvantage. Experienced traffic ticket lawyers can be essential to beating these odds. Most traffic attorneys deal with all areas -- from small infractions like speeding tickets to misdemeanors and severe moving violations.

Will hiring a lawyer for your ticket or DUI cost an arm and a leg?

Though it depends where you get the DUI, most lawyers these days are very affordable; and the recession has made the DUI lawyers much more competitive then they have ever been. The benefits outweigh the costs, in my opinion. DUIs are a very serious matter and can affect your life in many ways you have never thought of; so having legal guidance to navigate this process takes the guesswork out of making a very bad mistake that will haunt you for the rest of your life.

Some people may feel nervous about "hiring a lawyer." What would you say to them?

They will be much more nervous standing in front of a judge or jury!!! Finding a law office with a reputation of honesty and integrity is the first step to maintaining your good driving record and keeping your life from veering off the road. Don’t allow yourself to pay for years for something that may not have been your fault. Regardless of the situation, it is your right to meet with an experienced traffic attorney so that you can move forward and leave the past behind. Trust your gut and interview several traffic lawyers to get a feel for their services.

How does your site help people find a lawyer that's right for them?

Ticketvoid.com is a free service for the driver -- no fees, no monthly dues, no hidden charges. We match you to a local traffic ticket attorney or DUI lawyer for a consultation. TicketVoid.com is the web’s leading national DUI Attorney and Traffic Ticket Attorney directory. If you have recently received a DUI or traffic ticket, enter your information into our lawyer matching form. Then TicketVoid will match your DUI or traffic ticket information with experienced local DUI attorneys and/or traffic ticket attorneys in your area. Most of the TicketVoid attorneys provide a “free consultation;” and if the ticket attorney or DUI/DWI lawyer can help fight your case, you will pay them directly to handle your case. We also have the apps for both Apple and Android; many commercial (CDL) truck drivers have the apps installed on their phone to use for every ticket they get.

Please list anything else you would like to say about your site or hiring a traffic ticket/DUI attorney.

The benefit of using TicketVoid is that we find and submit your DUI or traffic ticket information to qualified DUI Lawyers or Traffic Ticket Lawyers who are interested in helping you. Your information is sent securely to a local attorney and their information is sent to you. This simplification created by TicketVoid takes the confusion out of finding credible attorneys to help with your legal matters. There are many advantages to hiring a traffic ticket attorney to fight for your rights. Attorneys listed through TicketVoid are chosen for their experience, professionalism, and judicial merits - giving you the best choice for your legal needs.

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Buying a used car is no less of an investment than purchasing a new vehicle. You need to do your due diligence and find the used car that's perfect for you. That means getting a dependable vehicle at a fair price.

That doesn't mean you can't save a few bucks on your next used car. Here are ten ways to do just that (and they don't all revolve around an asking price):

  1. Set your budget. If you don't know how much you have to spend on a used car, you're very likely to spend too much. Take inventory of the cash you have on hand and/or estimate what you can afford as a monthly payment.
  1. Think about precisely what you want. Consider your driving habits, vehicle needs, and favorite perks â€" and jot them down. Having this list in front of you will prevent you from being swayed by vehicle types that you really don't care for or bells and whistles that you won't use.

3.    Check auto insurance rates. Once you have narrowed your options to a body style or two, start looking into auto insurance rates for various makes and models (and don't forget model years â€" premiums can vary from year to year). Car insurance is one of the major monthly expenses you'll incur, so don't skip this step.

  1. Shop around â€" a lot. There are plenty of sources of used car listings like auto magazines, newspapers, dealer sites or online portals (some of which are searchable by car type or price). You might be surprised at the variance in prices among similar used vehicles.
  1. Don't forget private owners. Chances are good that you'll get a lower price from a private seller than you will from a dealer. Make the effort to find resources that list "for sale by owner" cars from Craigslist ads to church newsletters.
  1. Consider rental car companies. Often, you can get a one- or two-year old car from auto rental companies at a huge discount from a dealer sticker price. They'll even still be under the factory warranty. Just be sure to choose a reputable rental car firm.
  1. Emphasize value, not price. Don't concentrate too much on a number; you actually want the best value for your dollar. You'll probably find many different cars of similar body style or make/model within a tight price range, so it pays to focus more on the vehicle condition and amenities.

8.   Get the Carfax. The minute you start thinking about purchasing a particular used car, ask to see the vehicle's maintenance history report. This should list the collisions and/or repairs that were done on the car. Try to avoid buying one that has been in a major crash.

  1. Inspect and test drive your favorites. Don't buy a used car before a) test driving it yourself under real-world conditions and b) having it inspected by a certified auto mechanic. Any seller who refuses these requests is not trustworthy enough for your business.
  1. Negotiate. There's no such thing as a "fixed" price so don't be afraid to ask for a lower one. If you're negotiating with a dealer, ask to see each deal in writing (and look for hidden fees). Don't be afraid to walk away - there are plenty of used cars out there.
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There are many wonderful things about living in the state of California. But Americans who don't live here have a perception that most things seem to cost more in the Golden State. While is true that prices are higher in some instances (for instance, on gasoline), the cost of living in California is lower than many people think.

Case in point: auto insurance. Mane people assume that it costs more to insure your car in California than most other states. But in fact, the opposite is true: California's annual average auto insurance premium is $1,480, which is substantially lower than the national average of $1,793.

Still, auto insurance coverage can take a bite out of a household budget, primarily because it is required by California law for people who wish to drive in the state. Thankfully, there are ways to get lower auto insurance rates for California drivers.

The Minimum Requirement Laws in California
Like other states, California law dictates the minimum levels of insurance coverage for its drivers. Your policy must have at least $15,000 in coverage for injury for one person, $30,000 in coverage for injuries in a single accident, and $5,000 for property damage per accident â€" which, by the way, are among the lowest required minimums in the nation. So you can certainly reduce your monthly payment to an auto insurance company by keeping your levels at a minimum (although, there’s no telling what that might cost you should an accident occur).

Also, be aware that drivers in California are not required to purchase uninsured or underinsured motorist insurance like they are in some states (though it may be a good idea to do so).

Finally, it's important to keep in mind that California is a "tort" state, meaning that the party responsible for an accident is the one who must pay all damages, medical expenses, and other related costs of those victimized in the crash.

What Can â€" and Can’t â€" Determine Your Premium in California
When looking for an auto insurance policy, you should be aware of how insurance companies price their premiums for California drivers. By law, insurance companies who write policies in California must weigh your driving record, driving experience, and annual mileage driven as the main factors in determining your rates.* Carriers are not allowed to primarily base their premiums on any other demographic components that are not backed up by causative data (like ZIP codes, for example).

Tips for Saving Money on Auto Insurance
That said, there are certain ways to get discounts on your auto insurance rate in California. These include driving a car with safety features like air bags, anti-lock brakes, or theft-proof devices. Other discounts are applied if you take a driver's education course. Don't be afraid to ask a prospective insurer what discounts may be available for you.

So before you purchase auto insurance in California, here are some steps you should consider if you want to save some money:

  • Adopt measures to minimize the number of miles you drive each year. This may mean carpooling, taking public transportation, or opting to rent a car on vacations or long road trips.
  • If you have an outstanding traffic violation and you have the means to have it wiped off your record, complete that process before signing up for insurance.
  • If you don't have many years of driving experience, consider adding your name to the policy of a member of your household who is more experienced.
  • Look into policies with higher deductibles.

You must maintain proof of auto insurance if you want to drive in California. But if you know how the industry works, you can secure the proper coverage without busting your budget.

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Here's an odd fact that you may not be entirely aware of: Anything bought with the proceeds of illegal activity may be seized by the federal government. And nowhere is this more common than when the government deals with drug pushers. One small problem, though; once they take all the stuff drug dealers have bought with their illicit profits, the government has to pay to store it. And once it's no longer needed as evidence, it needs to go.

So it's sold to the public at cut-rate prices since, really, the government couldn't care less about how much the cars are valued for at market: They just don't want to pay the garage fees.

One recent auction in Opa-Locka, FL, emphasized two things: One, that there are potentially lots of finds at police auctions and two, there are a few... well, let’s say ... drawbacks to buying a car with a criminal previous owner.

For example, what if we told you that there was a sweet 2008 Ford Mustang GT available at this auction? And that it was available for a quarter of the price? Getting excited? Well, one small problem. It looks like this
http://blogs.miaminewtimes.com/riptide/2012/10/10_awesome_cars_that_used_to_b.php

Problem #1: Criminals have pretty much zero taste. It’s true. In fact, hideous vehicles like this tend to be the rule rather than the exception, as criminals tend to want to flaunt their wealth in about the tackiest way possible. Many police auction vehicles will have bad paint jobs, badly installed body modifications, and other problems that you'll have to fix out of your own pocket. Unless you like having the ghosts of the undead on the side of your car. (Plus, try answering a question from the car insurance company on the color of this vehicle.)

Problem #2: Bullet holes, etc.. Sometimes cars that are no longer needed as evidence are sold off, so they might have a few... interesting challenges for your local body shop when you get them home. Granted that not all vehicles are like this: For example, at the Opa-Locka auction, amid the 1930s hot road and hideous paintjobs was a... uh... white Kia Rio from 2008. Many auctions will feature decent, anonymous cars pretty much designed to not attract police attention.

Problem #3: The interior condition can be less than ideal. The nature of the outside may also extend to the inside of the vehicle. The government takes no responsibility whatsoever for the condition or quality of the vehicle itself: All cars are sold strictly “as-is”, and most auctions will not allow you to take the vehicle for a test drive. You probably can check the VIN numbers on the car, however, so do that, and make sure that all the VIN numbers match. Criminals also aren't necessarily noted for taking the best care of their cars, either, so understand that you will be taking a risk on buying a total lemon that looks cool.

Problem #4: No financing. Be prepared to pay up front: The government doesn't really offer much in the way of installment plans.

All that said, there are definitely deals to be had at police auctions; just remember to do what any smart buyer does: Do your research beforehand, ask questions, kick the tires, and examine it as carefully as possible.

Also, avoid any car somebody died in. Haunted cars are a real pain on the resale market.

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Many of us have responsibilities that require more than two doors. Fortunately, not all of us have to get a minivan or a quiet sedan to get things done.

Look no further than these five cars; some of the zippiest and most fun on the road.

  1. 2013 Smart Fortwo 
    http://images.thecarconnection.com/med/2013-smart-fortwo_100380122_m.jpg 
    OK, OK, so the Smart doesn't necessarily generate the image of a powerful convertible ripping down the highway. But to be fair, not everybody wants that, and some prize small size and maneuverability over power, and some just want to dump the gas-guzzling minivan for something that sips. If that's you, the Fortwo is right up your alley: the 70-horsepower engine won't be setting any speed records, but it's got great fuel efficiency, it's incredibly light and surprisingly roomy, it's dirt cheap -- starting at below $13,000 -- and above all, you will never, ever, ever have to worry about fitting in a parking space again.

2.  2012 Mazda Miata http://stblogs.automotive.com/files/2012/07/2013-Mazda-MX-5-Miata-Front-Three-Quarters-View-623x382.jpg

If you want something small, maneuverable, and with a nice convertible top, look no further than the Miata. True, the Miata is not the most powerful of the two-seaters, coming in at only 167 horsepower, but it does offer a neat retractable hardtop as well as the classic ragtop. It’s also hard to argue with the price: Unlike many two-seaters, the Miata comes in at under $25,000 for the base model. So if you want the fun and zip without too much cost, it's a good choice.

3. 2013 Nissan 370Z
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If you want to strike a balance between fiscal responsibility and owning a fast car .. well, you are kind of missing the point of the exercise. But if that's the case, look no further than the 370Z. It's got a lot of power under the hood, with up to 350 horsepower, depending on the model you choose. It's also pricey enough to feel like a luxury without ruining your vacation fund.

4. 2013 Chevrolet Corvette

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No list of two-seaters is complete without mentioning the Corvette. Available in a hardtop or, of course, as a convertible, it starts at a 6.2 liter V8 engine putting out 430 horsepower, and it only goes up from there. If you want more speed and power, the Z06 steps it up to 7.0 liters and 505 horsepower. Still not enough? The ZR1 puts a supercharger onto the 6.2 liter V8, bringing it up to 638 horsepower. Needless to say, automatic fans need not apply: The Corvette is proudly manual only.

5. 2013 BMW Z4

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BMW as a name is synonymous with roadsters, and the Z4 lives up to the legacy admirably. The Z4 is the high end of BMW's roadsters, although convertible fans might also want to look into the 1 series of vehicles. The key thing about the BMW is the sheer luxury on display. It's got a decent amount of power at between 240 and 335 horsepower, but this is a car that's all about the little things: The comfort of the seats, the ease of use of the car, and the sheer engineering glory make it a car perfectly suited to get on the road.

And hey, if all else fails to impress, it is a BMW.

Ready to get an auto insurance quote for your new two-seater? Look no further than Safe Auto. Get your quote now!

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Chevrolet made big news by announcing that they will be unveiling the new 7th-generation Corvette on January 13, 2013 at the Detroit Auto Show. While no images of the car itself have leaked out yet, Chevy did tease car lovers by revealing the new Corvette logo. Click on the links below to see the top ten logos of all time!

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Which begs the question: how does this new logo stack up against some of the automotive icons of old? You can be the judge as you check out 10 of the coolest car logos in history.

1. Alfa Romeo

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The cross on the left is said to commemorate the actions of Giovanni Da Rio, the man who was purportedly the first to erect a cross atop Jerusalem's walls during the first crusade. The serpent on the right resembles a man-eating creature that supposedly frightened the people of Milan in the fifth century. (Or maybe Da Rio climbed the walls to get away from the serpent…)

2. BMW

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People forget that BMW was a well-known producer of aircraft before they jumped into the automotive business. That's where its logo comes about: from the illusion of a spinning propeller. Plus, blue and white are the traditional colors of Bavaria, where BMW is based.

3. Ferrari

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Ferrari actually borrowed its logo from Count Francesco Barracca, a pilot in the Italian Air Force. He painted this prancing horse on the sides of his planes. Barracca was shot down in 1918, but not before he attained the status of being known as an "asso." (That means "ace" in Italian. Not what it sounds like.)

4. Fiat (1899)

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Many people don't know that Fiat is an acronym for the company's full name: Fabbrica Italiana di Automobli Torino. The automaker's original logo resembled a piece of parchment on which was engraved the full name.

5. Lamborghini

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Why has the Italian luxury automaker adopted a charging bull as its logo? Because founder Ferruccio Lamborghini loved bullfights. And he was a Taurus. Seriously.

6. Peugeot

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Peugeot wasn't always a car company. In fact, it started out as a manufacturer of saw blades in 1850. That's how the lion logo came about; it symbolizes the three main qualities of Peugeot's blades: the flexibility of the blade, the toughness of the teeth, and the speed of the cut.

7. Porsche

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This snazzy logo looks unique and artistic to most viewers. Except for those who live in Stuttgart, Germany where the company is headquartered. Then, it just looks a lot like the Stuttgart coat of arms.

8. Rover

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The maker of Land Rover and Range Rover vehicles wanted to portray a rugged, outdoorsman-type image. So they went with a Viking ship. After all, Vikings were some of the first European outdoorsmen… if you consider pillaging and plundering to be "outdoor activities."

9. Subaru

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It's the first automaker which sported a Japanese name. Subaru actually refers to the group of stars known as the Pleiades. The five stars represent the five companies that merged to form Fuji Heavy Industries, which is Subaru's parent corporation.

10. Toyota

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There are several interpretations for this logo. It's a symbol of Mars, the Roman god of war. It depicts each of the letters in the brand name. The three ellipses represent three company concepts: the heart of the product, the heart of the customer, and the future's endless possibilities and advancements. But it is most definitely not a hula-hooping penguin viewed through a ship's porthole.

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