Hyundai Verna Anniversary Edition – Car that you had been waiting for

The Korean leader in the automobile market of India, Hyundai cars launched the Verna way back in 2005 which was a third-generation Accent in the international market. Hyundai continued its production with a minor facelift in 2010 with the last model known as Hyundai Verna Transform. It was completely redesigned and christened with a new tagline- Fluidic Verna and was launched in 2010 and has been a best-seller since then in the executive sedan segment. Hyundai has refreshed Verna at regular intervals to keep the product attractive and updated with the recent fashion trend of a sharper car with lines giving a sleeker look.

Hyundai Verna Engine

Hyundai decided to celebrate the never-ending sales anniversary of Verna in a distinctive way of offering an Anniversary Edition of Verna. This Verna is based on the Next-gen Hyundai Verna and will be offered in the top-end variant of SX (O) only. The edition will be available in both Petrol (1.6-liter engine for 121 BHP and 151 NM torque) and Diesel (1.6-liter engine for 126 BHP and 260 NM torque) variant.

Also, check the upcoming MG Hector in India.

Hyundai Verna Engine

The only disappointment (for few of them) in this power-packed gift is that the Petrol variant will be offered in both 6-speed Manual and 6-speed Automatic transmission options, the Diesel variant will get only the 6-speed Manual transmission (insert a sad face for diesel heads!) but hey! It comes in two new color options that were never offered before on Verna i.e. the Marina Blue, yes, the same color offered on Hyundai Elantra which caught you sulking because you didn’t get your favorite summer color! And the second color is Polar White which will cause the Sun asking for a sunscreen for the shine it will give!

Hyundai Verna Price

The Hyundai Verna price is strategically kept to not make the customer feel ripped off in the name of the Anniversary edition. The Petrol Manual and Automatic variants will be offered at Rs. 11.69 lacs and Rs. 12.89 lacs respectively and the Diesel Manual Variant has priced at Rs. 13.03 lacs at New Delhi ex-showroom prices.

Hyundai Verna Price

Hyundai Verna Features

The Hyundai Verna anniversary edition will be spotted with a duck-tail spoiler at the rear making it even with its not-so-distant sibling Hyundai Sonata which was launched lately. the anniversary edition will also sport faux-colored skid plates at the front as well as rear to make it stand out among its peers along with Black colored Shark-fin antenna and ORVMs in the Marina Blue trim to catch more eyes with the color combination scheme while both of them are body-colored in the Polar White trim because “has anyone got enough white ever?”

Hyundai Verna Features

Moreover, the cabin space is really lit in the anniversary edition with an electric sunroof and wireless charging commissioned with contact-blue stitching complementing the blue lines outlining the air vents to give you that aircraft like feel on the road.

So, what are you waiting for now? Grab your motivation and head to your nearest Hyundai authorized dealership to book your India’s new favorite for 5 years!

Choosing Semi Truck and Trailer Insurance

Know what you need

Try to know the type and amount of coverage you need before contacting an insurance agent. It’ll take time for you to research your needs, but in the long run, doing so is your best chance of getting the right amount of coverage at a price that’s fair. Do you need insurance to cover you, your drivers, or both? Do you need workmen’s compensation? Are you looking for insurance to cover collision, fire, theft, CDC? Do you need full liability? Are you looking for bobtail liability? Do you want to insure your cargo? Do you need fuel bonds? Once you decide the type of insurance you need for your semi truck and trailer, you’ve also got to determine coverage limits.

Get multiple quotes

Getting multiple quotations for semi truck and trailer insurance is always a good idea. And if you’ve followed the above advice, shopping around for insurance quotations will be much easier. One way to comparison shop is to go online. Locating businesses that offer this type of insurance is simple and getting a quotation usually is fast. In most cases, all you have to do is fill out an online form and submit it. In no time you’ll have the pricing information you need.

Compare your quotes

Once you start getting quotations, be sure to review the coverage closely. When one quote is lower than another, it’s important to make sure you’re being quoted for comparable coverage. This is especially important when one quote is substantially lower than others. Some companies bundle their coverage while others offer a basic package and then offer additional coverage options as riders. A rider is generally offered at an additional cost. Also, find out if the company offers discounts for paying insurance premiums annually rather than monthly.

Research the insurance company

Just as with any major purchase, you want to find out as much as you can about the insurance company before purchasing a policy. Start by checking with the various rating services and regulatory agencies to see what you can find out. Also, find out what you can about the company’s claims processing policy. First and foremost, you want to work with an insurance company that is financially able to pay out claims, and you also want a company that processes claims in a timely manner.

Switch Car Insurance Companies

Regularly review your auto coverage to make sure that you’re receiving the best insurance value for your money. You’ll discover that it pays to shop around. In some states, premiums for identical policies vary widely among different companies. The reasons for this price variation can be very complicated, but they boil down to a company’s claims experience with policyholders in your coverage group (e.g. people of similar age, number of accidents, type of vehicle). For example, if a large number of people in your coverage group files claims during a given year, your rates will likely rise. When this happens, better discounts and lower overall premiums may be available at other companies, although some states strictly regulate the price of coverage. When you decide to switch your auto insurance to another company, you’ll find that it’s fairly easy to do so.

Generally, all you need to do to cancel your auto policy is to inform your insurance company in writing, specifying the date you want the policy canceled. In some states, your new agent must notify your previous agent of the policy change. Some companies ask that you send back the actual printed policy. Your insurance company will send you a cancellation request form that you should sign and return. Examine the form carefully to make sure that all information regarding your policy is correct. If you do not receive such a form within two weeks of sending your letter, call your agent or the company immediately to check on the status of your cancellation. Don’t just walk away from your old policy without formally canceling it. Otherwise, the insurance company might assume you wished to continue your coverage, and it might eventually terminate the policy for failure to pay premiums and report your lack of coverage to your state’s Department of Motor Vehicles. This can hurt your credit rating and your ability to get a new policy.

Always have a new policy in place before canceling your old auto insurance coverage. You don’t want to have a gap in protection for even one day. Fortunately, there is little danger of this happening. Most states require all drivers living within their borders to carry a minimum level of auto insurance. So, most insurance companies now require policyholders to present proof of new coverage before they will cancel an active policy. You may need to show your old carrier copies of a new insurance identification card or the Declarations Page of your new policy. Your new company will be able to time the onset of your new policy to coincide with the cancellation of your old coverage.

The best time to switch auto insurance carriers is just before your old policy is about to renew. This will allow you to avoid paying for printing and start-up expenses the company incurs as part of the policy renewal process. You also avoid the inconvenience of figuring out the amount of any unused premium that should be returned to you.

A renewal notice will be sent to you approximately a month before a new policy period begins, depending on the regulations in your state. The notice will describe your coverage, discounts, and the amount of premium you owe. Should you decide to switch policies, you’ll need to line up a new policy by the time your current policy renews, although most states allow about a month after renewal to switch. If you miss the deadline, you may end up paying a cancellation penalty.

All standard auto insurance policies contain a provision giving you the right to cancel your policy at any time, once proper notice is given to the insurance company. You don’t necessarily have to wait until renewal time. Cancellation after a policy has renewed is most convenient at the end of a payment cycle. That way, you’re not forced to deal with recovering the unused portion of your paid premium. But if you choose to cancel in the middle of a cycle, the company will prorate your latest premium payment up to the cancellation date and return the remainder to you. However, a special “short rate” (cancellation penalty) will be deducted to pay the administrative costs of renewing the policy.

When you switch companies, your new agent or insurer can execute the change in as little as one day. You’ll need to provide a cancellation date, your former agent’s name, and the name of the insurer. It would also be helpful to show your new agent a copy of the old policy’s specifications page in order to match the coverage.

About SUV’s and Auto Insurance

SUV sales have continued to rise despite the higher cost of insuring those vehicles and the cost of gas. The belief that an SUV is safer, is a commonly held misconception about SUVs. Sports Utility Vehicles carry with them very unique risks that have an impact on auto insurance rates, like the fact that he vehicles are heavier and taller than other autos. This weight to height ratio results in SUVs being involved in more rollovers. In fact, SUVs roll over in twice as many fatal accidents than passenger vehicles.

Besides the SUVs risk to itself with rollovers, the greater height of the vehicle also poses more risk to other, smaller, cars. Any driver of a smaller car can relate to the fact that many SUV’s headlights are positioned in a place that reflects directly in the mirrors of smaller cars, causing a blinding glare. Also, the height of the bumper places a higher risk of significant damage in a collision with a smaller car. A National Highway Traffic and Safety study in 1999 showed that over 5 percent of traffic fatalities in the U.S. would not have resulted in fatalities at all if the accidents had occurred with two regular size cars rather than a truck or SUV. The study went on to show that SUVs and light trucks are two times more likely to cause a fatality in a collision.

Another major factor in the higher risk of SUVs in collisions has to do with the drivers themselves. Many people want to feel safe behind the wheel of an SUV, which places them higher, but also limits their ability to see smaller vehicles, but they do not know that an SUV has to be handled differently. In fact, the handling on an SUV is very different from a compact or passenger vehicle, and extra training could help keep an SUV owner much safer on the road.

Since SUVs show no sign of disappearing anytime soon, it is important that SUV owners and other drivers on the road acknowledge the risk of the SUV. Remember, the best way to prevent a collision is to drive defensively. SUV owners need to keep safe driving distances and passenger car owners need to be understanding of the limited sight of the SUV driver.

Free Money Saving Auto Insurance

The top two biggest money saving auto insurance tips are to first shop around. There are numerous providers of insurance and generally speaking you can save a great deal of money on your policy if you take the time to find the right provider.

The second biggest tip to lower your rates is to simply raise your deductable. In some cases you can reduce your annual premium by 10 percent or more if you increase your deductible by a few hundred dollars. USE CAUTION HERE: You want to make sure you can actually afford the amount that you raise your deductible to or you’re no better off then before.

Additional tips include eliminating certain types of coverage from your current policy and reducing the amount of coverage you currently have. Generally this is up to each individual based on their needs, wants and desires. You may want to consult an insurance agent before making any drastic changes to your current policy.

Other factors raising the cost of your policy include the amount of mileage you drive annually and the type of vehicle you own and operate.

Did you also know that where you live can determine rates and keeping your car in a garage can lower your rates. Cars parked in garages are less likely to be stolen, vandalized, or struck by other vehicles. Using a garage to store your car may entitle you to a slight premium reduction.

If you have multiple cars and drivers then you could qualify for a multifamily discount. Sometimes your children’s insurance premium can be lowered based on their school grade point average.

Other discounts may be available if you meet certain criteria. Examples may include discounts for taking a defensive driving course, being a AAA member or staying with the same auto insurance company for a number of years. These discounts vary by company.

Finally try using an anti-theft device. This helps to reduce your insurance cost.

Budget Car Insurance

Do you own a home? Do you have several vehicles? Do you own a business? Do you rent an apartment? Your strength in assets is a factor when selecting your liability limits. If you accidentally injure or kill someone in an automobile accident and you carry low liability limits on your car policy then your assets are next in line to be used to pay for the damages.

The Age of the Vehicles – Newer vehicles usually require physical damage coverage by the lender. Older vehicles with a lot of miles sometimes do not warrant physical damage. Physical damage rates can be adjusted up or down based on the deductible you choose.

The Age of The Drivers – Adult rates, senior adult rates, and rates for young drivers make a huge difference in the overall rate. Young drivers on vehicles with physical damage coverage can be very costly.

What are the Discounts? – There are a number of discounts on car policies. The multi-policy discount is given by insurance companies for purchasing both auto and home insurance. Retirement discounts are available to the senior adult. Young drivers receive discounts for drivers training education. Some companies give good student discounts for young student drivers that maintain a 3.0 grade point average.

Full Tort or Limited Tort – Many states have a discount for selecting a limited tort option. Tort is your right to sue for pain and suffering damages over and above the basic liability settlement. This varies from state to state.

Discount Car Insurance Broker

Times past finding a discount insurance broker was important and offered you access to many different outlets for your needs. Today that’s no longer the case as finding a discount insurance broker doesn’t really provide you with any benefits or advantages as it once did.

A simple matter of typing in what you’re looking for into the search box on the internet will give you access to anything you need with numerous options and plenty of details.

At one time companies didn’t have access to the buying public like they enjoy today. So, they used to contract agents and brokers who had been around a long time with a large base of customers. That system was used for years. The public wasn’t necessarily best served that way as only those who did business with that agent or was fortunate to find him were able to take advantage of the best rates.

That’s all changed now as any of us can access all the different companies simply by going shopping on the internet. The best rates of the companies are presented to you and you simply pick the best buy for you. Really extremely simple compared too not many years ago.

Once you selected the company you fill out the application online, make a down payment with your credit card, check or paypal and you’re finished. Pretty niffty I’d say. By the way that’s good for we consumers as it’s made the carriers much more competitive as well. So forget finding a discount car insurance broker because you have one right there in front of you on your keyboard.

Getting the Best Deal

Insurance agents really have a lot of leeway. They can price match and they can offer many discounts. There are also many decisions you can make about your policy that will save you a bundle. For example, if you change your deductible on your collision from a $50 deductible to a $1000 deductible, you’re inline for a huge premium savings. If you don’t think you could come up with $1000 out of pocket, then change it to a $500 deductible; you’ll still save a sizable amount on your annual premium payment.

You can also get more of a savings if you change your comprehensive deductible. Many people needlessly carry full coverage on their older vehicle. They originally purchased the vehicle new, paid for full coverage and to this day, continue to pay the same high rate. Their ten year old vehicle may be worth $1000 or less, yet they continue to pay $250-$450 every six months (total $500 to $900 dollars a year) to keep full coverage on their old vehicle.

However, if they have an accident and totaled their vehicle, the insurance company will only pay them the wholesale value of the vehicle. The amount they would receive could be $1000 or less. A vehicle that old just needs the insurance that protects the other person in case of an accident.

Another method to save more on your insurance is by combining your vehicles and other insurance together to get you additional savings. All insurance companies offer a multi-car discount (if yours doesn’t, it’s time to switch companies). Further, many will discount more if you have your homeowners or renters policy with them.

There are a few other discounts that you may not be taking advantage of. It seems obvious, but make sure you are getting the correct rate for your age. There are discounts for various ages than can save you lots of money. Check with your agent on this one. Also alarm systems on your vehicle are usually good for a discount. Additionally, anti-lock brakes and air bags can also help lower your premiums.

Save Big Bucks

Examine Your Policy Is your policy correct? Are you listed at the right address? Even a one digit variation in your zip code can shoot your rates through the roof. Make certain that everything about you is listed correctly on your policy. Notify your insurance agent if there are mistakes.

Go Shopping For car insurance, that is. Not all companies charge the same and new companies to the market may sweeten the deal for you in order to entice you to make a switch.

Change Your Deductible A $250 deductible is fine until you discover that the cost for having a deductible at this level can send your rates skyward. Instead, think about a deductible as high as $1000 to save on premiums. Pay for minor accidents out of your pocket – you will come out ahead of the game.

Get Rid of Collision Coverage If your car is worth less than $3000, think about dropping collision coverage. Yes, you will receive no compensation from your insurer if your car is wrecked, but the savings you gain by discontinuing collision coverage can be set aside by you as a down payment for your next car.

Pull Policies Together Do you own a home? Do you have life insurance? If so, consider purchasing all of your insurance policies through one broker as you may be eligible to receive a discount from them for grouping together your policies.

Get the Discounts If your car came equipped with certain safety and security features, make sure that your insurer knows about them. Some older model cars do not include air bags as standard equipment, however if your car has airbags and you aren’t receiving an insurance credit for them, notify your insurer to have your premium reduced accordingly.

You can also reduce your insurance premiums by taking a Driver’s Education course, by making certain that all previous points that you accumulated on your license were expunged from your record, and by electing to purchase a less “risky” car – insurance risk, that is.

New Concepts in Car Insurance

What if you car pool to work, or take public transit? You are not using your car very much so why are you paying high premiums. With a pay as you drive auto insurance premiums you would be able to quite literally pay as you go. Another situation where this plan would be of benefit is that of many retirees who have winter homes in temperate climates, the ‘snowbirds’ living in Florida or Arizona six months of the year and six months in New York or Toronto for example.

Essentially the insurance companies would set an average driving amount for each car type. It could then be broken down into a cents per mile basis. If you wanted to us the pay as you drive auto insurance system you could purchase a set number of miles and you would be covered for insurance during this period.

Pay as you drive auto insurance is an excellent idea for those individuals who do not use their car very much or try to find cost saving methods or environment saving alternatives. Currently this type of program is not yet available, but there are supporters in many states who are hoping to change that soon.

Groups including Environmental Defense, the Conservation Law Foundation and even the U.S. Environmental Protection Agency are working to organize a national cooperative that would work with insurance companies to offer deep discounts for low-mileage drivers; halfway a step toward PAYD (Pay As You Drive) insurance.

General Motors and On-Star Offers PAYD Rates. In mid-2004 General Motors Acceptance Corporation (GMAC) Insurance began offering mileage-based discounts to OnStar subscribers located in some states. The OnStar system reports a vehicle’s odometer readings at the beginning and end of the policy term to verify mileage. Motorist who drive less than specified annual mileage can receive insurance premium discounts of up to 40{1aa856d3b00485a60586f36d8f303117d6a79e32fb05c53f2f3fe3a1976e18d8}.