12 Important Safety Features On Our Cars We Don’t Think About

Well ok, this is kind of a different subject, and probably not the most obvious to some. But I’ll guarantee some of us will be a little bit more informed, folks might even feel safer when they drive to work tomorrow. Whether you’re the consumer or an automotive sales consultant, this article will list a dozen important safety features found on every car on the road. The consumer can benefit knowing what’s on today’s automobiles, just in case he/she meets the salesman who is not the most educated on their product knowledge. And lastly, sales consultants can enhance their presentations with these tasty tid-bits and increase potential commissions. So without fail, here are the main safety features found on the exterior of those cars.

#1-crumple zones-A mainstay in today’s automobiles, this is the harmonic flow of numerous body panels and brackets that absorb the energy normally associated with a crash. Parts like the hood, bumper and fenders are engineered to crumple like an accordion, therefore taking the brunt in any accidental situations.

#2-Wraparound Headlights-Just like its name implies, it’s a one piece headlight design that integrates the low beam, high beam, and turn signals. The headlights wrap around from the front or back of the car to the sides. Not only are the halogen headlights brighter and wider with the use of reflective cuts in the chamber, but folks driving along our blind spots can easily know our lane changing intentions. As a result, causing less accidents.

#3-Breakaway Motor Mounts-These mounts attach the engine to the frame of the car. They’re not noticeable, but the life saving impact is huge. In a front impact collision, they’re specifically designed to break the engine away from the frame and with the forward motion, will make the engine slide underneath the car at a 45 degree angle. Making it less likely to have an engine sitting in your lap when the crash comes to a halt.

#4-steel belted radials-It’s pretty obvious, our tires are very important safety features, it is what keeps the car on the road. Tires are built with steel fibers built right in, how do they help? Well, motorists will have the peace of mind that their tires will hold up in even the most extreme conditions. Those belts will also give these tires a longer lasting life span. Less maintenance in the long run.

#5-ventilated disc brakes-Equally important as the tires are, disc brakes stop the car. Brakes are constructed of a rotor, pads, and calipers for short. The rotors are engineered with internal vanes, to help vent out the heat. And this will help defend against fade and making it less likely to repair the brakes often.

#6-Side Impact Door Beams-Like the crumple zones, this aids in absorbing energy in a side impact collision. They are steel intrusion beams built inside the door for extra reinforcement. Every car and truck have these.

#7-Laminated Windshield-This might be important, it is the very object that keeps bugs out of our teeth, and the rain out of our hair. The windshield is made up of two pieces of tempered glass with a laminate sheet in between. This is a glass sandwich that holds together well when sharp or heavy objects smash into it. There’s no shattering or large pieces of glass flying about.

#8-Tempered Safety Glass-The other glass that gives us 360 degrees of protection is also designed with safety in mind. Automotive glass is heat tempered, so that when it breaks, it shatters into a multitude of small cubes. The small cubes won’t cut or injure the occupants.

#9-Child Safety Door Locks-As this name indicates, they are small locks in the inside door jams of the rear two doors(4 door sedan or suv only). Lock them up and the little guys in the back seat can’t unlock and pull the inside door handles while we are driving.

#10-5 mph bumpers-I would classify this as a safety item for the car itself. In the event a driver lightly hits a lightpole, grocery cart, etc. at 5mph or under, it is unlikely there will be any major structural damage. These days, the government mandated limit to follow is 2.5 mph, most automakers have the 5 mph variety.

#11-Center High Mounted Brake Light-It’s actually just a 3rd brake light mounted higher than the two main brake lights, and most autos have them. They’re main purpose is to make drivers behind the motorist aware of their braking intentions, normally cars 6-10 back can see this clearly.

#12-Safety Cage Construction-Think of a built in rollcage, it’s the main exo-skeletal feature that provides the most protection. In every accidental situation, this protects 360 degrees. We can even literally turn a car or truck upside down on its roof, the cage will support 1.5x it’s own weight. There’s nothing more important.

Hence, there is our short list of safety features, hopefully you readers have a use for this information. And maybe, this will put more awareness at just how safe our cars really are. No longer will we pinpoint safety as just airbags and alarm systems, our daily drivers have been designed as intricately as the human body. All this for making our commutes, a safer one.



Source by Shaun Patrick Davidson

Why is a Car Lease the Best Option for You?

Car leasing has been traditionally regarded as a beneficial phenomenon for reasons more than one. At the sunset, if you are leasing a car instead of buying the same, you are absolutely avoiding almost life-long commitment to a car with depreciating value. Add to that, you're coughing up less on maintenance and as monthly fees as well. Explored below are other reasons why leasing a car turns out to be a great option for you!

A car with "better value" guaranteed!

When compared to buying, leasing remains a more fruitful option because inevitably you are paying for the depreciation of the car during the lease period only. Since you do not own it you are not really committing to the car's value for a longer time. Your monthly payments, as a result, are lower than other forms of finance. This, in turn, leaves you with the option to secure a more desirable make or trim. You are basically driving the car mostly during its trouble-free years.

Latest Technology

As someone leasing a new car you are actually enjoying access to the latest technology backing cars. MirrorLink, for instance, remains one of the popular additions in the line-up modern techniques. It syncs your smartphone screen with that of your car's improved night vision. Then there is Autonomous Emergency Braking which minimizes the risk of crashes.

Down Payment is not always Mandatory!

If you are leasing a car, you do have the option of not selling out down payment. However, you need to make the first month's payment along with the registration fees and official tag. In this regard, it must be stated that there might as well be some car lease promotional deals that require you to cough up the down payment.

What are the Big Ticket Monitoring Costs: How can you avoid them?

The big-ticket monitoring costs can be duly avoided as well. Since you are driving the car in its trouble-free years, you will not really be required to replace the aircon units or for that matter the timing belts. What more? You might not as well require batteries as well!

Are manufacturer's warranties covered?

If you are prudent enough to lease for a term which is almost similar to the manufacturer's warranty coverage, you will actually have your car repairs covered. Depending on the terms of the lease you might as well find some companies offering you free scheduled maintenance services.



Source by Christopher Amico

How to Cut the Cost of Car Insurance

Less desirable and low value cars are cheaper to insure

When I was 17 I wanted to own a Ferrari and live life in the fast lane. Even if I could have afforded the car, then I could not afford the insurance to cover it. At 17 you are brand new to the world of driving and statistically you are more likely to make an insurance claim. Mixing high-powered cars with inexperienced drivers is not something car insurance companies are super-keen about, the chance of a claim shots through the roof with the price of the premium following it. When you are young and inexpensive, buy a low-powered, low value car to try and keep your car insurance premium to a minimum. If it is worth less then it will cost less to fix / replace when in your youthful exuberance you crash it. The same logic actually applies to everyone, the lower the value of the vehicle and the lower the car insurance policy will be in most cases. Sports and premium cars will always cost more to repair in an accident so the insurance will reflect this. New cars now feature myriads of anti-theft and driver aids that in many cases will help to reduce the cost of insurance so keep an eye on the spec sheet when looking at a new car. A good rule of thumb is that less desirable and low value cars are cheaper to insure.

Age is a concern

I mentioned it above and it bears repeating. Typically the younger you are the higher your car insurance premium. This is down to inexperience and the youthful belief that bad things will never happen to you. The statistics say otherwise, which is often a shock to an unsuspecting young driver who ends up in a crash wondering how it happened to him … Driving experience and age are usually linked and that leads to a method of reducing your insurance premium – whatever age you are you will benefit from advanced driving courses and many car insurers offer discounts for these qualifications. It may only be a five – 10 per cent saving for the course but on a premium of £ 1000 it's worth having the saving and it will stay with you for years, so it should be a good investment, not to mention make you a better driver.

Keep adding to the no-claims bonus

The more years you can accumulate without making a claim the better as most car insurers will offer a discount on your insurance for this. Effectively you are proving you are good business to have and because you have not made any claims then you are a good risk for them to underwrite. There's nothing you can do here but keep your nose clean and do not make a claim. If you own a low value vehicle and dent it parking, you'd be advised not to make a claim on comprehensive insurance because it would reduce your no-claims bonus, likely to be for a small amount of money and you may even end up paying for most of it depending on excess. In that case, provided you have not caused damage to any other vehicles or property, keep quiet, fix it yourself and your saving on no-claims bonus will be sweet the following year – in time, when you have built up three or more years no-claims bonus, you can actually protect your bonus, meaning even if you make a consequent claim you will not lose your bonus.

Convictions are not cool

If you are an inner-city teenager then an ASBO may be a badge of honor. Insurers are less impressed by convictions though, so it is best to avoid them if you can. Minor speeding offences are certainly not in the same category as serial killer though, so if you have a couple of points it will not be the end of the world or have a major influence on your premium depending on the insurer.

If you've got a garage, use it

What are garages for? If you ask the average person they'll probably say for storing all the kids' toys, the home gym, bikes, the freezer and tumble-dryer. I have news for you all; the garage is designed to house your vehicle when you are not using it. The fact that it puts a physical barrier between any opportunist thieves and your car is a real good thing and car insurance companies will recognize this and reduce your premium if you park in a garage overnight. Using your garage will save you money; it does not get any easier than that.

Anti-theft devices

Most modern cars come with immobilizer and alerts factory fitted and if you notify your insurer it will check to make sure they are to approved standards and will apply discounts if applicable. You can get other devices that slosh around in the passenger footwell until you park and then fix to generally your steering wheel or gear-stick. These are mechanical devices and some do attract further discounts if used, just do your homework before buying. Thatcham is the organization which grades security devices and generally a decent mechanical security device will feature its Thatcham approval very prominently along with any premium discounts you may expect, so choose carefully.

Use a reputable broker

Car insurance is very big business with around 30million + vehicles on the UK roads, so there is a wealth of car insurance companies to choose from. Ironically, the big names you are familiar with are probably in your head because of massive marketing campaigns on television, on-line etc. Regardless of the message, those marketing campaigns need to be paid for and that means they may not actually have the best rates, although the sheer scale of some of these businesses means prices will be due due to buying or underwriting power. The best advice is to compare a couple of different prices from different companies. Call the insurer and then call a comparable competitor and then possibly a small car insurance broker. Each one will ask you if you have a price already and you should tell them what it is. Usually if they want the business they know what to beat. The moment you get a broker saying they can not match the price then you are probably close to the best market price or else speaking with a broker that is not a specialist in the area.

A word of caution on price comparison sites

There are plenty of price comparison sites around which promise to drive the cost of your insurance policy down – Money Supermarket, Go Compare, Confused etc. They certainly do help reduce the cost of insurance as most of the major players are fighting for business on the same platform. Where these price comparison sites do not perform so well is actually advising you on the sort of policy that's best for you or your car. Would comprehensive be cheaper and more suitable than third party fire and theft? The point is you can not ask the price comparison site for any advice, that's where car specialist brokers have the edge. Compare it to buying a new house, would you buy one without a survey? You might and then when it subsides into the sea you'll be praying your insurance will cover it … the point is you should not buy insurance without talking with an expert either.

Pick up the phone

The internet is a great shopping and selling tool, you know my feelings on that from previous articles … but I suggest if you speak to a real person at a brokerage then you have a much better chance of getting cheaper car insurance . They can ask more questions, clarify your requirements and if needed they can even delegate the rate (set the price themselves) if they really want the business. There is no substitute for human contact, just make sure you speak to at least three different brokers to get a true comparison.

Got a nice postcode?

If you live in a postcode where there are few thefts and claims then your insurance premium will be lower than living somewhere that is a known crime hotspot. If you can afford it, move to a posh area and you'll benefit from lower insurance premiums. Not the easiest way to save on the cost of insurance for sure …

Mileage and use

The more miles you drive the more chance you have of being involved in a claim. It's simple statistics. The fewer shares covered, the less your insurance premium should cost. Do not tell lies though, if you exceeded the stated mileage by a distance then it could invalidate your insurance.

Married with kids?

Insurers like selling car insurance to married couples mortgaged and with kids and jobs. You are very easy to credit check and generally display responsible behavior which hints at a lower risk for the insurer. That can reduce your car insurance quote.

Do not modify your car

We all see the bling bling cars that haunt Supermarket car-parks late at night and if you like the tacky neon colors and loud exhausts is here here nor there – the fact is that any sort of modification is likely to hike your car insurance premium. Modifications can draw attention, invalidate warranties and in the case of loud exhausts, can also be illegal (if above the noise limit). If illegal, then it could invalidate your insurance as well. The fact is that car manufacturers spend a lot of time developing their products so they work well and if you modify them then it's all out the window and your insurer will be scratching his head wondering what he should charge – and it will almost always be more than a standard vehicle.



Source by Maurice Gertski