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Why Was the VC-Turbo Infiniti QX50’s EPA Fuel Economy Cut for 2020?

As MotorTrend’s chief technology cheerleader, I have pep-talked variable-compression engine concepts time and again since 2009, including three big explainer stories from the official fall 2016 Paris Motor Show launch of Nissan/Infiniti’s 2.0-liter VC-Turbo four-cylinder. The first engine to bring variable-compression technology to production features tricky new Rube Goldberg multi-link piston connecting rods and promises Big-V-6 power with Little-four-cylinder fuel economy! Rah, Rah, Sis Boom Bah!

First installed in the 2019 Infiniti QX50, the VC-Turbo was rated at 268 horsepower at 5,600 rpm and 280 lb-ft of torque at 4,400 rpm. Those figures aren’t hugely far off from the previous-generation QX50‘s 3.7-liter VQ37VHR V-6, which was rated 325 hp at 7,000 rpm and 267 lb-ft at 5,200 rpm. The engine’s party trick is that it can, by way of complex piston connecting rods, change its compression ratio on the fly—dropping it to allow more turbo punch, and raising it for fuel-stingy cruising at lighter loads.

At launch, the VC-T-powered QX50’s EPA ratings supported the big-engine power, small-engine fuel economy narrative, with a four-cylinder-esque 24 mpg city, and up to 31 highway and 27 combined. That’s an impressive jump from the V-6–powered 2017 QX50’s 17/24/20 mpg rating with either rear- or all-wheel drive. So on paper, switching from V-6 to VC-T four-pot power boosted economy by 30 percent (combined), while the luxury crossover’s quarter-mile performance only dropped about 5 percent. Huzzah, right?

Eager to see how the engine works in the longer term, we got a fully loaded long-term QX50 AWD to test for a year. We promptly sent the Real MPG team out to test those EPA claims. Their results were reasonably close: 21.0/29.7/24.2 mpg, or down 3.0 mpg in the city, 0.3 highway, and 1.8 combined relative to the EPA’s estimates. But sheesh, as we commuted to work in the LA basin, we seemed to be stopping to fill the 16-gallon tank way more often than expected. Sure enough, at the end of 20,000 miles, our QX50 had swilled unleaded premium at a rate of just 20.3 mpg—a figure lower than what we’d recorded on the supercharged V-6 Jaguar F Pace and the (larger) Mazda CX-9 powered by a technologically simpler 2.5-liter turbo four (20.5 mpg for each long-termer).

For 2020, the QX50’s EPA figures have dropped to 23/29/26 for front-drive and 22/28/25 for all-wheel drive. That’s a haircut of 4 to 9 percent in the city, 7 percent on the highway, and 4 percent combined—in a year where very little changed. What happened?

Officially, Infiniti says the drop is “due to model year changes including enhanced standard equipment on some trim levels which increased the weight class, and the adoption of heightened particulate matter emissions controls.” Apple CarPlay and Android Auto are now standard, as is a new infotainment system with dual HD displays, and some formerly optional safety, security, and driver-assistance gear has been made standard. That doesn’t sound like 125 pounds’ worth of stuff (inertia weight classes are in 125-lb increments).

What has actually happened here is that with $23,535 separating a fully loaded QX50 AWD model from a stripper, there’s a lot of optional gear that might push the Infiniti several inertia weight classes (these are approximated EPA classifications for setting up a dynamometer during emissions testing). That doesn’t mean the EPA estimates were “off” before now, but it does reveal something about how fuel economy figures are determined.

At the outset of a new model launch, it’s anybody’s guess how many folks will settle for the advertising lease-rate special stripper model and how many will load the car up, so the manufacturer gets to make that guess. In offering a prediction of the trim level mix, an automaker can choose whichever version is expected to take a large chunk of sales and use that—and its inertia weight class—as the basis for a given powertrain combination’s fuel economy estimates. If that guesstimated sales leader is lighter and therefore posts better fuel economy, great, the EPA figures might be higher than on other trim levels; if the expected volume leader is a heavier spec using the same engine and therefore thirstier, so be it—but that means the EPA figures might be lower than the best a given model can do.

Once there’s a year of sales history in the books, however, the inertia ratings (and the MPG-estimating equations and data they feed into) need to be updated to reflect the versions people actually bought more than others. No more guessing or fudging. The “average” QX50 folks are buying, it turns out, is simply a whole lot heavier than what Infiniti initially estimated. Good for them, because a rich mix equates to higher profits. And our $59,085 long-termer weighed in at 4,163 lbs—fully 353 pounds up on the factory curb weight of a front-drive “Pure” trim QX50. That’s why, it seems, the EPA figures were revised downward.

As for our year-long experience with the (pre-revised-MPG) QX50 with the VC-Turbo engine, weight may not have been the only factor in its disappointing efficiency. Utilizing the engine’s turbocharger—and in this case the 8.0:1 compression that goes with it—is a lot more fun than tiptoeing the QX50 around at small throttle openings, where a driver fully exploits the fuel economy benefits of the VC-Turbo’s highest compression ratio of 14.0:1. The truth is, we seldom see the big fuel-economy numbers downsized, highly boosted engines claim. Nissan’s variable-compression turbo engine is no different.

This cheerleader is declaring his Variable-Compression pep-rally over.

The post Why Was the VC-Turbo Infiniti QX50’s EPA Fuel Economy Cut for 2020? appeared first on MotorTrend.

https://www.motortrend.com/news/2020-infiniti-qx50-vc-turbo-epa-fuel-economy/ visto antes em https://www.motortrend.com

[adriansmithcarslove]

Why Was the VC-Turbo Infiniti QX50’s EPA Fuel Economy Cut for 2020?

As MotorTrend’s chief technology cheerleader, I have pep-talked variable-compression engine concepts time and again since 2009, including three big explainer stories from the official fall 2016 Paris Motor Show launch of Nissan/Infiniti’s 2.0-liter VC-Turbo four-cylinder. The first engine to bring variable-compression technology to production features tricky new Rube Goldberg multi-link piston connecting rods and promises Big-V-6 power with Little-four-cylinder fuel economy! Rah, Rah, Sis Boom Bah!

First installed in the 2019 Infiniti QX50, the VC-Turbo was rated at 268 horsepower at 5,600 rpm and 280 lb-ft of torque at 4,400 rpm. Those figures aren’t hugely far off from the previous-generation QX50‘s 3.7-liter VQ37VHR V-6, which was rated 325 hp at 7,000 rpm and 267 lb-ft at 5,200 rpm. The engine’s party trick is that it can, by way of complex piston connecting rods, change its compression ratio on the fly—dropping it to allow more turbo punch, and raising it for fuel-stingy cruising at lighter loads.

At launch, the VC-T-powered QX50’s EPA ratings supported the big-engine power, small-engine fuel economy narrative, with a four-cylinder-esque 24 mpg city, and up to 31 highway and 27 combined. That’s an impressive jump from the V-6–powered 2017 QX50’s 17/24/20 mpg rating with either rear- or all-wheel drive. So on paper, switching from V-6 to VC-T four-pot power boosted economy by 30 percent (combined), while the luxury crossover’s quarter-mile performance only dropped about 5 percent. Huzzah, right?

Eager to see how the engine works in the longer term, we got a fully loaded long-term QX50 AWD to test for a year. We promptly sent the Real MPG team out to test those EPA claims. Their results were reasonably close: 21.0/29.7/24.2 mpg, or down 3.0 mpg in the city, 0.3 highway, and 1.8 combined relative to the EPA’s estimates. But sheesh, as we commuted to work in the LA basin, we seemed to be stopping to fill the 16-gallon tank way more often than expected. Sure enough, at the end of 20,000 miles, our QX50 had swilled unleaded premium at a rate of just 20.3 mpg—a figure lower than what we’d recorded on the supercharged V-6 Jaguar F Pace and the (larger) Mazda CX-9 powered by a technologically simpler 2.5-liter turbo four (20.5 mpg for each long-termer).

For 2020, the QX50’s EPA figures have dropped to 23/29/26 for front-drive and 22/28/25 for all-wheel drive. That’s a haircut of 4 to 9 percent in the city, 7 percent on the highway, and 4 percent combined—in a year where very little changed. What happened?

Officially, Infiniti says the drop is “due to model year changes including enhanced standard equipment on some trim levels which increased the weight class, and the adoption of heightened particulate matter emissions controls.” Apple CarPlay and Android Auto are now standard, as is a new infotainment system with dual HD displays, and some formerly optional safety, security, and driver-assistance gear has been made standard. That doesn’t sound like 125 pounds’ worth of stuff (inertia weight classes are in 125-lb increments).

What has actually happened here is that with $23,535 separating a fully loaded QX50 AWD model from a stripper, there’s a lot of optional gear that might push the Infiniti several inertia weight classes (these are approximated EPA classifications for setting up a dynamometer during emissions testing). That doesn’t mean the EPA estimates were “off” before now, but it does reveal something about how fuel economy figures are determined.

At the outset of a new model launch, it’s anybody’s guess how many folks will settle for the advertising lease-rate special stripper model and how many will load the car up, so the manufacturer gets to make that guess. In offering a prediction of the trim level mix, an automaker can choose whichever version is expected to take a large chunk of sales and use that—and its inertia weight class—as the basis for a given powertrain combination’s fuel economy estimates. If that guesstimated sales leader is lighter and therefore posts better fuel economy, great, the EPA figures might be higher than on other trim levels; if the expected volume leader is a heavier spec using the same engine and therefore thirstier, so be it—but that means the EPA figures might be lower than the best a given model can do.

Once there’s a year of sales history in the books, however, the inertia ratings (and the MPG-estimating equations and data they feed into) need to be updated to reflect the versions people actually bought more than others. No more guessing or fudging. The “average” QX50 folks are buying, it turns out, is simply a whole lot heavier than what Infiniti initially estimated. Good for them, because a rich mix equates to higher profits. And our $59,085 long-termer weighed in at 4,163 lbs—fully 353 pounds up on the factory curb weight of a front-drive “Pure” trim QX50. That’s why, it seems, the EPA figures were revised downward.

As for our year-long experience with the (pre-revised-MPG) QX50 with the VC-Turbo engine, weight may not have been the only factor in its disappointing efficiency. Utilizing the engine’s turbocharger—and in this case the 8.0:1 compression that goes with it—is a lot more fun than tiptoeing the QX50 around at small throttle openings, where a driver fully exploits the fuel economy benefits of the VC-Turbo’s highest compression ratio of 14.0:1. The truth is, we seldom see the big fuel-economy numbers downsized, highly boosted engines claim. Nissan’s variable-compression turbo engine is no different.

This cheerleader is declaring his Variable-Compression pep-rally over.

The post Why Was the VC-Turbo Infiniti QX50’s EPA Fuel Economy Cut for 2020? appeared first on MotorTrend.

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Did Honda’s CEO Say EVs Make No Sense? Not Exactly

2018 Clarity Electric

Honda CEO Takahiro Hachigo says there’s no future for EVs. Or maybe he didn’t. Comments Hachigo made recently indicate he doesn’t see “a dramatic increase in demand for battery vehicles.” Much of the confusion comes from analysis / commentary from other media outlets reacting to a recent interview with Automotive News Europe. Hachigo appears, at worst, to be honest in noting that demand sucks currently for fully electric vehicles. That honest appraisal disheartens EV-enthusiast journalists who dislike an executive who isn’t a full-on cheerleader for battery electric vehicles.

Tesla has shown there’s a market for pure EVs, not just hybrids, not just plug-in hybrids (PHEVs). Similarly, two decades ago, Toyota showed there’s a market for hybrids that went a mile or two on battery power, the rest of the time on gasoline (but still managed impressive mpg increases). Their dominant products sucked the oxygen out of the market for a decade or more.

What Honda CEO Hachiago Really Said

Here’s the key points from an interview of Hachigo with Automotive News Europe editors Jamie Butters and Hans Greimel, through a translator:

Q (ANE): Honda wants two-thirds of its global sales to come from electrified vehicles by 2030. What is your road to electrification when demand for hybrids and EVs is still undeveloped?

A (Hachiago ): I believe hybrid vehicles will play a critical role. The objective is not electrification, per se, but improving fuel efficiency. And we believe hybrid vehicles are the way to abide by different environmental regulations.

Q: What about full-electric vehicles?

A: Are there really customers who truly want them? I’m not so sure because there are lots of issues regarding infrastructure and hardware. I do not believe there will be a dramatic increase in demand for battery vehicles, and I believe this situation is true globally. There are different regulations in different countries, and we have to abide by them. So it’s a must to continue R&D. But I don’t believe it will become mainstream anytime soon.

What we hear from Honda’s head guy is what you’d expect to hear from pragmatic automaker: a straightforward appraisal of where the market is today. He did not, unlike other CEOs, complain that governments need to underwrite a big charging infrastructure first.

What we hear from some of our fellow editors tracking EVs is disbelief that Honda hasn’t gotten with the program. From Elektrek (“Honda CEO says ‘There Will Be No Dramatic Increase EV demand’”):

Honda EV Plus: first modern EV, 1997-99, 80-100 miles range, 300 built.

The automotive industry is operating on two completely separate alternative planes of existence. Readers of this site are familiar with the overwhelming evidence of EVs approaching an inflection point, and the last gasps of internal combustion. Let’s call that reality. And then there’s Honda’s Takahiro Hachigo, joined by executives from Toyota (and others). In their alternative universe, the inevitability of a pure-electric future is not proven. Nobody wants them.

…  Nearly four decades ago, Honda introduced the first engine technology to meet US Clean Air Act standards without the need for a catalytic converter. In 1999, the Honda Insight was the first hybrid. But that’s ancient history. Today, the company remains fixated on 20-year-old technology rather than innovating for the new electric age. … At the same time, Hachigo’s latest statements are entirely out of step with the times. The imperative of global climate change is too urgent for minimal compliance and CES eye candy.

And from Jalopnik (“Ghostly Specter Of Honda’s CEO Still Not Convinced Electric Cars Are A Thing”):

Here comes Honda CEO Takahiro Hachigo, rising from the dead to walk among us in the year 2019—a year in which Tesla has sold more than 255,000 cars [worldwide]—to inform us he is still not sure about this whole electric car thing, revealing himself to be not a man but a ghost of a bygone era.

Honda is also designing a modular electric car platform which they hope to have ready by 2025. Does that count as “anytime soon?” By automaker timelines, probably not, which means there’s plenty of time for more CEOs to die and rise from the dead before Honda completes its EV platform for a future it doesn’t think will happen.

  One company dominated hybrid sales 20 years ago: Toyota. Now Tesla is doing the same with EVs. Four-fifths of EVs sold in the US are Teslas. After that, only Chevy, Nissan and BMW sell more than 5,000 EVs year. (Source: Statista)

The EV Market Is Good (For Tesla)

Automakers have lots of rules to follow: crash protection, safety equipment, emissions. Also they have to make money for shareholders. And stay in business. Right now, Tesla dominates battery-electric vehicle sales, controlling 80 percent (182,000) of the 228,000 pure EVs sold in 2018 in the US, which is 1.0 percent of all US sales. What’s left is table scraps. Chevy has 8 percent of the EV market (0.1 perecent of all vehicles sold), Nissan 6 percent of EVs (0.1  percent of all sales). For everybody else, it rounds to 0.0 percent unless you go to two decimal places.

Honda sold 948 Clarity BEVs in 2018. That is a small number: one of every 1,500 Hondas sold, one of every 18,000 cars sold (all brands) in 2018. Clarify is actually three vehicles: a fuel-cell car that converts hydrogen to electricity, a BEV (the sub-1,000 sales), and a plug-in hybrid. Together they accounted for 20,000 Clarity sales, but virtually all of them were PHEVs. Honda marketed the Clarity BEV as a comfortable family car (think Accord with batteries instead of gasoline). But with an EPA combined-driving range of 89 miles, it was a challenging car to sell. Honda will move into 2020 with the fuel cell and PHEV but not the Clarity EV.

Critics scoff at PHEVs as uninteresting for the long term, and they’re probably right. For. The. Long. Term. But in the US with its greater driving distances than Europe, they make sense. You can drive to and from work on electricity alone if you remember to recharge when you get home. And then on weekends you go where you want, mostly on gasoline. Meanwhile, battery technology is improving at about 20 percent a year, so four to five years from now, a 100-mile Clarity BEV could be a 200-mile Clarity. (And, okay, a 250-mile Tesla could be a 500-mile Tesla.) So Honda could lay low until 2025, rejoin the fray then, and not miss a lot of EV sales in the US. In Europe, the company may face regulatory pressure to act sooner.

The Honda E is part of a new architecture coming within five years.

Honda’s Roadmap for Electrification

Honda e, due in 2021 in Europe – Honda’s first minicar since 2001.

Honda will bring to bring to market an electric city car in 2020 called the Honda E, in the spring of 2020. At 157 inches, it’s smallish for the US market. Over the summer Honda told investors and media it’s developing a dedicated EV platform for midsize and large sedans and SUVs. The first vehicles will come to market in 2025. It’s this timeframe that has some media critics upset with Honda.

Right now in the US Honda has these alternative vehicles:

Honda Accord Hybrid, 48 mpg city / 46 mpg highway, this from what measures as a full-size car.

Honda Insight third-generation compact hybrid, 48 mpg city / 46 mpg highway

Honda Clarity PHEV, BEV, hydrogen fuel cell through 2019.

Honda CR-V Hybrid, due early 2020, targeting Toyota RAV4.

Honda appears to be intercepting the glidepath toward higher-efficiency, zero-tailpipe-pollution vehicles. Europe especially is pushing automakers toward cleaner, higher-efficiency vehicles. Honda will begin selling the retro-look Honda e next year in Europe, with a goal of at least 10,000 units a year, possibly more. The Honda e, a minicar, will allow Honda to meet EU CO2 targets in 2020 and 2021 without paying fines.

While we live on the same planet and breathe the same air (more or less), Europe feels the shock more when Russian or the Middle East countries restrict access to petroleum – the US can always “drill, baby, drill” (per Sarah Palin – and Europe is also more concerned about clean air. The US’ concern about fuel consumption and clean air depends a lot on who’s in the White House come 2021. Currently the US supports aggressive petroleum-source development and extraction.

Now Read:

2018 Honda Clarity Review: This Midsize Plug-In Hybrid Could Be Your Only Car

2018 Honda Accord Review: Way Better, and Honda Even Fixed Display Audio

2019 Honda Insight Review: A Better-Looking, 50 MPG Civic

  from ExtremeTechExtremeTech https://www.extremetech.com/extreme/303907-did-hondas-ceo-say-evs-make-no-sense-not-exactly from Blogger http://componentplanet.blogspot.com/2019/12/did-hondas-ceo-say-evs-make-no-sense.html

#Did Honda’s CEO Say EVs Make No Sense? Not Exactly

[weholyperfectioncollectorme-blog]

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I am financing a car and I have to have full coverage but I just want the minimum full coverage I can get that colorado requires. I am setting my dedutibles at 1,000.""

What's a good first car for low insurance?

I'm buying a first car soon, and I don't want the insurance to go through the roof. My mom offered to just give me her 3-Series but I'm afraid it'll make our rates go up if I'm the primary driver, but I know nothing about insurance so help me out here... I don't really care what the car is AS LONG AS... It is 1995 or newer Has the basics (power steering, air conditioning) Reasonably comfortable Reasonable gas mileage--doesn't have to be too great NOT a Honda. At all. I really hate Hondas with a passion and that kind of lowers the list, but oh well.. It doesn't really need all the fancy bells and whistles--just needs to be comfortable, cheap-ish insurance, and easy to fix. I'm looking into Buicks right now. My mom said she likes the Scion tC, and I don't really mind either (but it does look kind of girly). Any other good options? Thanks!""

Temporary car insurance for one day for 17 year old?

it's for a holiday, I believe it would be good driving experience, obviously I would have a qualified driver with me......""

Mortgage Life insurance or regular Life insurance?

My husband and I got information on Mortgage Life Insurance which basically is kind of like Life Insurance I guess and pays off your mortgage if someone dies. For example, our house is $180,000 and I die in 10 years and the mortgage balance is $80,000 then my husband still gets the original $180,000. He can use this to pay off the mortgage plus have money left over and use for whatever. This sounds like a great deal to get but I want to get other people's opinions who know information on this. It is called Forester Mortgage life insurance. Also, what is the difference between this and regular life insurance? Is regular life insurance better? Thanks!""

Where can hiv positive people look for individual health insurance?

if you're hiv positive and are currently covered with an insurance policy, but will be changing jobs where group coverage is not an option, what are your options for health insurance? are hiv positive people stuck in their jobs for life just to keep insurance? from what i've found, public insurance benefits only apply when you're dirt poor and have no home.""

Teens: How much are you paying for your car insurance?

Do your parents make you pay your own car insurance for your car?

Where can I find info on LOW COST Medical Insurance In Central NY? (Student Artist Musician Business Owner)?

My wife and I are moving soon from PHX, AZ to the greater Syracuse area. I am moving my multimedia business / record label (websites, print design, videography, DVD production and studio recording) and I need information on which companies can provide my family reasonable cost heath insurance. Right now my wife works fulltime so we use her benefits, but we will be starting a family and would like to keep her at home for a few years. In PHX, health insurance for non-group individuals runs about $300 a month - from what I can see in CNY it can cost closer to $1000! Can some one help me with this? Am I looking at the wrong companies or is it just that mush more expensive? Are any loop holes? In some states Students, Artist, Musicians & Small Business Owners can get highly discounted rates - is this true in CNY? Can anyone help? Thanks in advance!""

Affordable places for auto insurance?

I am looking into leasing a new car. I live in Grand Rapids, MI. What are some good companies that typically have affordable rates?""

Car insurance switches?

i have a nissan sentra 93 my insurance is through allstar but, my cars transmission finally went out so i got another car but its not insured yet...i was wondering will my insurance company let me switch my coverage from my nissan to my new saturn??,, with out having to pay for another deposit and do i keep the tag from my other car and use it for the new one or do i give that back?? and is there anyway to find out how much a new tag and taxes will cost on my new car?? or do i just have to find out when i go to the dmv??""

Whats a good car with low insureance and good gas mileage!?

im looking for a car that had good gas mileage and low insureance. i was really looking into a jeep and trucks and some cars.. that looked sporty.. but i know sporty cars have high insureance.. im looking for somthing that will be a good first car..but im not sure...

Name of the Insurance Company?

Orange and Halifax insure phones/laptops ect... However who is the actual company who the insurance is ? I mean it is Orange and Halifax but who is the real insurance from who take the commission or what ever it is.

How much can i sue and get from car insurance for pain and suffering for $6000 worth of medicals?

How much can i sue and get from car insurance for pain and suffering for $6000 worth of medicals?

Cheapest cars to insure for a 17 year old?

I think they're group 1 or something, because insurance is a ripoff, so a car thats cheap to insure and runs would be great? Any recommendations and can someone explain this whole insurance group malarky to me please? I will most likely be a Named driver too and my mother will be the Main, if this makes any difference, thanks.""

Why do I have to be added on the car insurance?

Im 17 and I got my license yesterday. I do not own a car, but I will be using moms car occasionally. My question is if she has car insurance, why do we have to pay extra just for me to drive it? Wouldn't the insurance she already has cover me? Dose that mean that every car I drive (that I dont own) I will have to pay for extra insurance? I just dont under stand it. If any one could explain it to me I would be great-full. Thanks""

How can I get health insurance with diabetes?

My boyfriend has Type 1 diabetes and just lost his job (and health insurance). We have been looking around for other health insurance, but basically no one will cover him because he takes insulin. If he continued with his job's health plan it would increase to over $500 a month! Our U.S. health care system sucks!! Do you know of any health care providers who would cover this?""

What's the most you or anyone you know has ever paid for car insurance?

I'm asking cuz I now pay close to 400/month... It's like 396. - I have 3 accidents on my record (from like 2 1/2 years ago, only one was my fault). however I found out that all of them were listed on my insurance as my fault. Found out the insurance companies automatically assign fault unless you produce proof otherwise. Now one of them I got hit from behind, so that's easy to prove with police report. However, the other one guy ran red light and I hit his side. I think the police report has it as 50/50 fault since it really can't be proven either way, it's his word against mine who ran the light. Do you think I'll be able to fight that one??? I'm gonna go down to the police headquarters and get the police reports over the next few days, just wondering... Also how much would that actually save me? - My dad had a speeding ticket (90 in a 65) and he was listed as a second driver on my car, so that also brought it up. I'm going to remove him from my insurance since he rarely drives my car anymore, and has replaced his own car. - I have the defensive driving discount already. - I'm 26 years old female in NY. I drive less than 5 miles a day to work. And I drive a silver 2006 Saturn Ion in which I'm still making payments on, so I still have comprehensive. Based on all that, do you think I can find cheaper elsewhere. Where should I loook??? I feel like whenever I try to switch companies they give me a great rate on the phone, than all of a sudden after like a month or 2 being with them, my rates suddenly increase cuz they just found the accidents . I realize I don't have the greatest driver history in the world, but 400 just seems outrageous. I know people who pay less than that a year. I was thinking of selling my car, and getting a cheaper one w/ no payments on it, which would rid me not only of my car payment, but I wouldn't have to carry comprehensive anymore either. Problem is whatever I made from the car would have to go towards paying off the loan, and I would have no money to buy the new car... I feel so stuck, but I'm paying like 750/month between insurance/car payments, and I have a crappy job and can't afford it. Suggestions??? oh btw I use a local broker and autoone insurance""

Which insurance company offer the lowest price to insure my car? I have a Ford contour 2000 y.?

i need for emergency to insure my car in the cheapest way-very important.That's why i need the best offers from insurance Companyes

How can i make my car insurance cheaper?

im finding it more expensive this year than in 2010 to buy my car insurance and yet that was closer to the claims i've had to include (one in july for an sp30 speeding and the other for a none fault accident in my unoccupied vehicle in october). i dont understand this at all and its really bugging me as im finding it hard to get a decent quote. my car also has a rear spoiler which was there when i bought it which is also causing me hassle. is there anything i can do to get the best quote for my car, i'm going insane lol. im in the uk also""

""If you had to guess, do you think my insurance will be high?

i am an 18 years old male. i have been driving for close to two years and i had one speeding ticket that i took to court and they let me off. i got no points. i drive a 2000 mercury cougar and with liability coverage it costs $90 a month. im on my moms policy. im want to get a 2005 chevy monte carlo lt that im gonna have to get full coverage on because im financing. i am also gonna be on my moms insurance. do you think my premium is gonna increase by alot? thank you. and please just give me estimates and dont tell me to call the insurance company. i just want ballpark estimates and answers. thank you :)

If i report my car stolen will the insurance company ask for the keys?

My car was tolen... But i lost the keys to it. Does either the police or the insurance company ask for the keys?

I have a question about the Subaru Wrx Sti and Insurance?

Hi, My name is Adrian and I'm 20 years old and just go recently got 2008 scion TC 2 months ago, and yes I made a mistake because I should have gotten the used Subaru Wrx Sti 2005 and has 23,000 miles or above with modded exhaust. They are selling for 19k... Guys Do you thinks its ok to trade in my Scion Tc for subaru wrx sti??? I dont have credit and currently building it up by paying my car, insurance and cellphone... My insurance cost for my Scion Tc is $239 i know its high because 21 century consider it as a sports car not 3 door hatchback... Do you think my insurance will lower since the Subaru Wrx sti is older and its sedan... Thanks you!!!! BTW THIS IS THE SUBARU THAT I WANT TO TRADE IN http://washingtondc.craigslist.org/nva/ctd/3418522562.html""

Motorcycle insurance for a 17 year old?

im interested in getting a bike (CF Moto V5), and i was wonder what would be a close estimate to the yearly cost? thank you.""

I'm about to be 19. Where should I look for health insurance?

in California I work 2 part time jobs, neither give health insurance and my parents don't get health insurance from their jobs. It's currently Summer break but I will be going to school in the Fall. I asked for help from my bank (Wells Fargo) but my mom said I could find much better prices. Any advice would be appreciated, I need it by tomorrow.""

In need of Car Insurance Sr22?? Who is best 2 go with??

I am looking for a cheaper but reliable insurance 2 go with for an SR22.. Does anyone have companies? IT is 4 a: 18 & 19 year old Male. In the IL area. Please and thank you

How important is car insurance ?

My dad works for an insurance company so he thinks I need insurance but I can't afford it. Should I wait until I have enough money for insurance to buy a car?

state farm insurance quote las vegas

state farm insurance quote las vegas

""Were and how I can get car insurance in Europe for my american car, and how much is that( annually)?""

I would like to drive my car all over the Europe, but were I can obtail insurance ( green card ) for EU""

Mandated Health Insurance is different from Mandated Auto Insurance how?

The Supreme Court will be deciding if the government can force us to buy health insurance from a private corporation. The government forces us to buy auto liability insurance from a private corporation. I am at a loss to see the difference.

Private health insurance = cheaper and better care?

Statistics show that US citizens pay almost exactly 2X per capita for health care compared to countries with government-supplied general health care. As with so much of our ...show more

Simple ques about Car insurance. Ive had my drivers licence?

For over ten yrs but have never had a car in my name. Also have never had my own car insurane. My driving record is spot clean no tickets violations nothing and im over 30. Would i still have to pay as much as a 21 yr old brand new driver for car insurance ?? am i looked at the same as them ??

Insurance cost for jeep liberty?

I was thinking about getting a 2005-06 jeep liberty CRD (diesel) as my first vehicle, but wondering what insurance would cost. I'm 24 years old, male and live in a small town just north of Toronto and with only a G2 license.""

Is it a bad idea to get your own car insurance at 18?

I wanna get my own car insurance! I wanted to know if it would be a bad idea or a good life lesson! Is it true that car insurance cost more with new cars? Because I want to get a 05 Suzuki Forenza! It's a used car it's only 2,000! Any parents out there please help! I need all the advice I can get before I turn 18!! Thanks!!""

What are some good cheap car auto insurance in the washington dc area for a 23 yr old female?

What are some good cheap car auto insurance in the washington dc area for a 23 yr old female?

What kind of insurance to get?

I come from a low income family and my health insurance is called Healthy Families. Its really basic and only covers check ups, physicals, and other things in community health clinics. I have several moles I that I would like to get checked out at a dermatologist and some help with my acne as well but I hear that dermatologist visits can get expensive. What kind of insurance can I get that won't break the bank?""

Does anybody know the average daily cost of having your newborn stay in the NICU?

I know most people have insurance that helps cover a certain %, but what amount is the real cost that the hospital bills the insurance company and the patient pay?""

How to get cheap car insurance for a 17 year old?

I'm a 17 year old male and i've recently passed my driving test and done IAM (Institute of Advanced Motorists) I live in the UK and need to know of any cars for cheap insurance or any ways to get cheap insurance WITHOUT putting myself as a named driver on my parents car. Many thanks. :).

Will I be covered under my moms car insurance?

Alright I am 18 and I live with my mom. My car recently stalled out and there is something wrong with the engine. So my mom has AAA auto insurance, and I am covered by state farm which is my dads insurance. We are in California, and I wanted to know if I would be covered if I were to drive my moms car until mine is fixed. I know that if you live in the same household that you wouldnt be covered, but my insurance has my dads address under it. So do you think I would be covered?""

If I get car insurance will my parents' rates go up?

If I get my own car insurance with my own policy from a completely different insurance company than my parents', but use the same address, would that cause my parents' rates to go up?""

Can a vehicle be registered and insured to different people?

i want to register the car in my name but ... the insurance will be cheaper in my boyfriends name... can we do that?

Loans for older/classic cars?

Any banks or financial institutions out there give loans for older cars? I know most banks only give loans for cars less than 5-6 years old, but I want something in good condition that may appreciate in value, or at least not depreciate so long as I take care of it. But I do need a loan. Links to companies that do these kinds of loans will get you a best answer.""

Health insurance in NY? Minor children & jobs that don't offer healthcare?

My friend has twins that are 17 & they are having a hard time finding affordable health insurance like many people, she works 2 jobs that total around 2,300 a month & her husband makes around 3,000.. None of the jobs offer healthcare to the kids, they tried a insurance called Hudson health but ended up being told it would be about $600 a month which they can't pay, does anyone know any insurance that works with you, or that is more affordable? Any help is much appreciated :) thank you""

Motorcycle insurance?

I'm young (21) looking for motorcycle insurance in MA and I was wondering some of the better options. Btw I'm looking for full coverage quotes. I have had a regular drivers license for about 4 years and I live in a rural area, not a lot of theft. I know it takes much more personal information than that but again I'm just looking for estimates. Just looking for good (preferably local) insurance companies and estimated quotes.""

How long do you have to go to school for an insurance company?

Or any insurance place? For car, hostiapl, boats ect.....""

Wanna buy car insurance?

I wanna buy car insurance . My age is 26 year old but this is my first insurance that's why my insurance is very expensive plz tell me which insurance company is cheap

Why is Car Insurance more expensive in some areas?

My friend moved from Florida to Virginia and his premium went down $120.00 Why is insurance so much more expensive in some zip codes than others?

""If someone jumps off a building and hits my car, will my insurance cover it, and will my rates go up?""

if someone commits suicide on my car and they have insurance, will their insurance than cover it? if not and my insurance has to cover the damage, will my rates go up?""

Can i put my car under my dad's name to have cheaper insurance?

if do, why insurance company do that, they should have known that this second car is for customers' child""

What is the best car for insurance prices for a male driver under 25 in Ontario?

I am looking to buy a car and I know insurance will be expensive because I am a male driver under 25. I want to know which car would be the cheapest to insure in my situation. I have no tickets and no points. Clean drivers abstract.

Auto insurance cost?

I can't really get a quote from a car insurance web site. (It's a long story) I don't really know much about auto insurance at all. How much do you think my insurance would be? I'm a 20 year old female. I haven't ever had a ticket. The car I am potentially buying is a 2009 jeep grand Cherokee. that's $30,000 to $35,000. I would have a $20,000 loan. (my father would be co signing) since I have a loan I'd have to get full coverage. Any one got any idea of how much my rates would be?""

Why should anyone purchase insurance under Obamacare when there is no fine?

If everyone bonds together and refuses to purchase insurance under govt. intimidation this would be too large for the govt. to control and destroy Obamacare. Fine or not I will never ...show more

""I payed my Ticket, If I dont go to traffic school how much will my insurance go up?

I got a ticket that was 200$ because i live in california and i didnt see the judge to have him/her bring it down. If i dont go to traffic school how much money a month would my car insurance go up? im 18 years old. (tommorrow is my last day) and it says in the area i live in my final exam must be monitored my somewere else which means i cant do all that in one day. so im hoping i can miss and it only goes up 20$ or something.

state farm insurance quote las vegas

state farm insurance quote las vegas

How much will motorcycle insurance cost approximately?

Im 17 and I have had my Minnesota drivers license for about a year. Im looking to buy a 250cc Kawasaki ninja or something similar. I will take the MSF safety coarse. I have good grades and have never crashed my car. Give me a rough estimate. Thanks!!

""After buying a used car, could I drive it right away without auto insurance?""

After buying a used car, could I drive it right away without auto insurance? Do I have to have auto insurance in CA? Thank you!""

Affordable health insurance new jersey family?

anyone know of affordable health insurance in new jersey for self employed 1 person needing family coverage?

Im 24 years old. How much will car insurance cost. Im female.?

I asked this question before. Everyone assumed I was under 18. Im actually a 24 year old female in Ontario. So I needed to provide this information originally when I had asked....sorry about that. So can anyone take a guess now?

How much would it cost me to get a basic insurance for an used R1?

In London?I' m 41 years old,i ' ve hold my driving licence since 1994 and i'm getting it converted into the UK one .""

I got a traffic ticket out of state. Will I receive points on my license and/or will my insurance rate go up?

I'm from Missouri and received a traffic ticket for running a red light in Iowa. The violation was vehicles fail to respond to steady red signal . Will I get points on my license from this ticket? If so, how many? Will my insurance rate go up? Should I try to get my ticket taken care of ? Thank you.""

""If I have full insurance on my car, am I covered if I drive a car that does not have insurance?""

Also, if I get pulled over, can I go to jail or am I ok with the insurance I already have? Its just a temporary (a few days) thing.......my car is broken down and I am borrowing a friends car to go to and from work...(my friend is from Florida and i live in Georgia).""

Computer experts: tips on how to insure the longevity of ones computer?

System Properties: Microsoft Windows XP Home Edition Version 2002 Service Pack 2 Dell Dimension DEO51 Intel(R) Celeron(R) CPU 2.53GHz 2.53 GHz. 768 MB of RAM AT&T Yahoo service provider - MODEM Speedstream 4100 My Comp. Tech told me he had tripled the memory; so the above specs. may not be accurate with regard to this. When not in use, I always put it on Stand By . Disk Fragmenter: when should I, and should not, utilize this? I'm 74 yrs. old, and had never even touched a computer til I retired; and have no formal education in computer operations. So please delineate your responses in layman's terms. Any recommendations so as to insure my computer's longevity would be greatly appreciated. Thank you, Alberich""

Insurance companies?

Why do insurance companies charge motorists so much?

Car insurance quote?

does anyone know a website that can give me an aprox car quote without having to go through all of the sign up etc process?

Insurance price?

does anyone have an idea of how much insurance would be for me to purchase a new wrx sti? age 24, pittsburgh PA, clean record...any rough estimates?""

Best car and insurance for 18 year old?

Hey, just looking for some advice for the cheapest possible way to get a car and insurance (not necessarily together) for less than 4,000 a year? I knows there's schemes like Young Marmalade, but I'd rather know what's going to happen with my insurance after the 1st year, but at the moment they do seem like the best option. Any help appreciated! :-)""

Ideas for a research essay on Private Health Insurance?

Hey, We're supposed to write an essay on any topic of our choice and show it relates to well being and opportunity in Canada while addressing inequalities (that part is optional). I'm thinking of writing on Private Health Insurance in Canada. But what can I focus on on in terms of the health insurance. Any suggestions""

When do car insurance rates drop?

At what age do car insurance rates drop? Currently I am a 20 year old male living in Kansas. Also what else will cause insurance to go down. If you get married, have kids, etc....? Thanks.""

Will the cost of my car insurance decrease if I have a provisonal license?

My friend told me this but I think it's rubbish.. I am 17 next week and he told me that if I get a provisional license now and get all my lessons done/pass my tests and get my full drivers license, then wait until I'm 20 to buy a car, the insurance would be cheaper than if I passed my tests when I am 20 and buy a car straight away. (assuming I use the same company/ deals) Is this true or is he charting ****?""

""How much does it cost to be on birth control w/ no insurance, how often do you have to see a doctor?

thanks

2 speeding tickets in 1 days! USAA insurance. Help Please!?

Ok, so as the title says, i got 2 speeding tickets in 1 day. Yes that was stupid, i know. I am really worried. one is a $205 fine, the other $110 both for speeding 15 mph over. I think it is possible to get defensive driving with one of the tickets because my last ticket was around 2 years ago. Thats the other thing. 2 yrs ago i got in a wreck, my fault and a ticket too + defensive driving. so with all that taken into account. do you think i will get dropped from USAA insurance or how much do you think my rates will rise? Thanks for the help!""

What are the age miletones for car insurance? UK?

At what ages does car insurance drop more than usual?

How to get health insurance for my wife.?

Just found out my wife is newly pregnant. I just switched jobs and am not eligible for insurance for 90 days (at which time I'll add her). Unfortunately though, we obviously need to get to the doctor before 3 months from now and have the preliminary check-ups and stuff. Is there anything I can do?""

Fronting car insurance?

I made a separate thread about me being a second driver but owning the vehicle,i wont actually be using the vehicle as much as the main driver,Hence me being the second driver.The answers i got back were You're fronting and its fraud blablabla . Is it fronting if i am a second driver but own the vehicle?Surely if i dont use the vehicle as much as the main driver then reguardless of who owns it thats correct..?""

A break in car insurance between my old and new car?

Hi, Tomorrow my current car insurance with my S reg corsa is due to expire at 12:00pm (Noon) now I have decided not to bother renewing this as tomorrow night I am going to buy a new car for which I have already put down a deposit. Now I have been told I cannot insure this new car now as I don't own it yet, but im worried that if my car insurance has a break in it then it will affect me - I currently have 2 years no claims and don't want to loose this - does anyone have any knowledge of what happens in the situation? Also with me not being able to insure the car until i own it, how do i go about getting the car back home from the showroom? Please helpppp""

Cheapest Car insurance for a 20 year old? Currently a student?

Hi Im a 20 and I have no car insurance, my dad gave me a mercury sable LS 0. I had insurance with my mom under Century 21, I got in a tiny fender Bender bumping into a car at a traffic light. Then my mom took me off the insurance. I had a claim. Anyway I got pulled over with no proof of insurance, I payed the penalty for it, how much will insurance cost me? I live in Orlando FL""

Medicaid insurance plus insurance?

seeing as many places don't accept medicaid now (either that or it's declining) was it a good idea to sign up for PPO health insurance, including the medicaid i already have? its through my employment and its about $35 every paycheck. i did it because i feel like medicaid acceptance is declining. i live in the US, by the way.""

Car Insurance think my car is a write-off but independent garage think otherwise?

My car (an 05 Peugeot 206) was involved in an accident (which was my fault but thankfully no other vehicle or persons involved) and there's been some damage to the front of my car (bonnet, grill etc.) - I've rung my insurer and they believe it's a write-off but I've asked them to send an assessor to check the damage. I've also had an independent garage look at the car (as someone else said that they did this in a similar scenario) who believe its not a write-off and they can repair it (450 was quoted for parts!!). He's sending me a quote for insurance work and a quote if it was done for cash. Can I get my insurer to use this garage if their assessor still deems it a write-off? If not, what are my options? This is my first time claiming insurance and I've got no real idea!!""

Car insurance for a 16 year old?

How much would car insurance be for a 16 year old male? The car is a 2010 Ford mustang V6 Premium. If it matters, im a straight A student. Would the car being a convertible change the price, if so by how much? Thanks!""

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