Archives – April 10, 2015

The Impact that Electric and Hybrid Vehicle Have on Car Insurance Quotes

electric carMany hybrid car drivers choose greener cars over a gasoline-powered car for lifestyle reasons rather than economics. Driver should however, keep in mind that choosing one of the hybrid vehicles could have an impact on car insurance quotes. The cost of insuring a hybrid car is generally higher than that of insuring a gasoline-fueled car. This is according to a study conducted by the Insurance Institute for Highway Safety in the year 2008. However, in most cases, the difference was small. A key reason noted for the difference in question is the fact that the cost of repairing and replacing a hybrid vehicle is higher than that of conventional gasoline-powered cars.

The national Highway Traffic Safety Administration conducted a study in 2009, whose findings indicated that hybrid cars had a high likelihood of getting into accidents that involve pedestrians and bicycles. This is presumably because such cars are quieter in comparison to other conventional vehicles. Furthermore, hybrid cars are smaller in size and for this reason, the damage resulting from accidents tend to be extensive and therefore have a high cost of repair. These and several other factors influence the amount of money that drivers need to pay for insurance of electric and hybrid vehicles.

Availability of discounts is another aspect to take note of when it comes to insurance of electric and hybrid cars. Lower rates are usually given by a few auto insurance giants to green car drivers. For instance, hybrid and other alternative-fuel cars are given a 10% discount by Travelers and Farmers. Additionally, other common discounts such as multicar and good driver are also given. It is however, essential to take note of the fact that only a few states offer Farmers discount. Safety matters also play a role in insurance costs. Although electric and hybrid vehicles have a tendency of getting into more pedestrian accidents, such accidents occur at minimal speeds. A new study has shown that hybrid car models are safer compared to conventional car models. This is because hybrid and electric cars are heavier. The safer the vehicle, the lower the vehicle’s insurance quote.

It all boils down to the fact that electric and hybrid vehicles are an excellent way of minimizing greenhouse gas emissions and saving money on gasoline. However, the high costs of repairing them, as well as some safety issues may slightly increase the cost of insuring such cars. There are several advantages of choosing an electric or hybrid vehicle over conventional gasoline cars. Drivers should just remember to consider the insurance costs.




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Toyota Camry Hybrid as One of the Best Family Cars

'12_Toyota_Camry_Hybrid_(MIAS_'12)For 2015, the Toyota Camry Hybrid gets better with an exterior styling that is more appealing, an improved ride, an upgraded exterior and a much quieter passenger cabin. The changes are more than anticipated for a mid-cycle refresh of an average sized sedan that has come just three years following the launch of the current generation Camry Hybrid. The Camry Hybrid will be better placed against stylish competitors like the Ford Fusion and the 2015 Hyundai Sonata Hybrid sedans. According to Consumer Reports, Camry Hybrid has been listed as one of the recommended buys. The reports have further indicated that the predicted reliability of the Camry is above average.

The government crash testing awarded the 2015 Camry Hybrid a five-star rating. Some of the safety features available in all Camry Hybrid cars include ten air bags. Drivers and front passengers would be well positioned in their seats by the knee air bags in cases of a frontal crash. Additionally, the car has air bags mounted on the rear seats to work in side crashes with side curtain air bags. Standard equipment is a rearview camera. With a $27, 615 starting manufacturer’s retail price that is inclusive of destination charges, the cost of the 2015 Camry Hybrid features a 156-horsepower gasoline engine with four cylinders and a hybrid powertrain of 200 horsepower. The engine power transmission is continuously variable.

The starting retail price for a 2015 Sonata Hybrid is $26, 825 inclusive of the destination charge. The Sonata Hybrid has 199 horsepower and an automatic transmission of six speeds. It has an engine with four cylinders generating 159 horses independently. A 2015 Fusion Hybrid’s starting price including the destination charge is $26, 910, a price that is also lower than the starting retail price for Camry Hybrid. The revamping made by Toyota for all Camry cars has been of great benefit to the Camry Hybrid for 2015.

The Hybrid Synergy Drive system by Toyota remains the same as that of the 2014 Camry Hybrid car. This is the main reason behind the unchanged fuel economy since the year 2014. Among all the gasoline-electric hybrid sedans in the United States market, Toyota Camry Hybrid ranks third with respect to fuel economy. It offers 39 mph on highways and 43 mpg in city driving according to mileage ratings by the federal government. It seems Toyota has perfected the art of transitioning smoothly between gasoline engine and electric power. Transitions were generally seamless in the test Camry Hybrid.


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