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	<title>Car Tips &#187; Editorial</title>
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		<title>Who is making our car insurance so high?</title>
		<link>http://www.cartips.com/460/who-is-making-our-insurance-so-high/</link>
		<comments>http://www.cartips.com/460/who-is-making-our-insurance-so-high/#comments</comments>
		<pubDate>Wed, 03 Nov 2010 21:39:00 +0000</pubDate>
		<dc:creator>CarTips.com</dc:creator>
				<category><![CDATA[Editorial]]></category>
		<category><![CDATA[car insurance]]></category>
		<category><![CDATA[insurance prices]]></category>

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		<description><![CDATA[I think you&#8217;d be very surprised by some of the stats that have come out of a recent study into Auto Insurance and what vehicles get pulled over more than others. In the press release below you can see that middle aged WOMEN driving Mercedes Benz SL-Class were the biggest violators&#8230; by over 400%! Also, interestingly enough, you don&#8217;t see &#8230; <a href="http://www.cartips.com/460/who-is-making-our-insurance-so-high/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
				<content:encoded><![CDATA[<p>I think you&#8217;d be very surprised by some of the stats that have come out of a recent study into Auto Insurance and what vehicles get pulled over more than others.</p>
<p>In the press release below you can see that middle aged WOMEN driving Mercedes Benz SL-Class were the biggest violators&#8230; by over 400%!</p>
<p>Also, interestingly enough, you don&#8217;t see BMW on the list anywhere. Which is odd, because I almost always see a BMW driver going way over the limit when I&#8217;m out and about&#8230; does this mean they just never get caught?</p>
<p>Also, the fact that all of the top three &#8220;Spirited&#8221; driven vehicles were mostly driven by women. I guess the movies were wrong when I learned that mostly men are the speeders on the roads.</p>
<p>The stats on the slowest drivers are pretty obvious. Buick SUVs and minivans round out the bottom 10 with safety ratings going through the roof. After all it only makes sense that the drivers who buy super safe vehicles would drive the same way.<span id="more-460"></span></p>
<p><strong>What can we learn from this study?</strong></p>
<p>Well, mainly it would seem that the drivers with &#8220;Baby on board&#8221; in their back window actually do drive more cautiously&#8230; and that annoying driver in that annoyingly bright yellow hummer is probably going to be paying through the nose with higher insurance, higher gas bills, and of course a regular ticket to pay off every 6 months.</p>
<p>What do you think about this study? Let us know in the comments below.</p>
<blockquote class="pressrelease"><p><strong>Auto Insurance Analysis: Does What We Drive Affect How We Drive?</strong></p>
<p>In its second annual study of vehicle types, their driver profiles, and  the frequency of traffic violations, auto insurance analytics firm  Quality Planning debunks conventional wisdom that high-performance cars  attract the most tickets.</p>
<p>SAN FRANCISCO, October 12, 2010: Quality Planning (QPC), a Verisk  Analytics company that validates policyholder information for auto  insurers, has released updated findings from its original study,  published in 2009, that explored the relationship between the cars  people drive and how people drive them. Newly expanded to include  available statistics, the study examines various vehicle makes and  models and quantifies the propensity of each to be ticketed by law  enforcement based on the number of moving violations per 100,000 miles  driven.</p>
<p>Quality Planning found that the origins of vehicles in the &#8220;Spirited  Vehicles&#8221; category were predominantly those of foreign manufacturers but  not necessarily of German or Italian heritage. Drivers of the Mercedes-  Benz SL-Class roadster topped the list, with four times the number of  violations compared with the average.</p>
<p>But, not surprisingly, the car Toyota designed expressly for Gen &#8216;Y&#8217;ers,  the Scion, had not one but two entries in the top ten. The big Hummers and the Pontiac Grand Prix  rounded out this category. Consistent with the findings of last year&#8217;s study, SUVs and hatchbacks showed lower  violations on average than traditional two- and four-door vehicles.</p>
<p>Table 1: &#8220;Spirited Vehicles&#8221; (vehicles with highest percentage of  violations)</p>
<p>Make Model, Body Style, Violations*, Average Age, % Male<br />
Mercedes-Benz SL-Class, Convertible, 404%, 53, 41%<br />
Toyota Camry-Solara, Coupe, 349%, 50, 39%<br />
Scion TC, Coupe, 343%, 30, 39%,<br />
Hummer H2/H3, SUV, 292%, 46, 73%<br />
Scion XB, Hatchback, 270%, 37, 40%<br />
Mercedes-Benz CLS-63 AMG, Sedan, 264%, 46, 58%<br />
Acura Integra, Coupe, 185%, 33, 60%<br />
Pontiac Grand Prix, Sedan, 182%, 40, 41%<br />
Mercedes-Benz CLK 63 AMG, Sedan, 179%, 47, 44%<br />
Volkswagen GTI, Hatchback, 178%, 40, 44%</p>
<p>Violations/100,000 miles driven, expressed as percentage of average.</p>
<p>For a complete list, see below.</p>
<p>Looking at the gender breakdown, 73 percent of Hummers tended to be  driven by men, generally between 30 and 60 years old. Also of interest, only the Mercedes CLS sedan and  the Acura Integra coupe were more likely to be driven by men than women.  Conversely, Camry-Solara drivers were 61 percent female, with only 26  percent younger than 30.</p>
<p>Those vehicles that Quality Planning classified as &#8220;Cautious Vehicles&#8221;  offered an interesting contrast. With respect to body type, eight of the  top ten were either an SUV or minivan. This suggests that carrying passengers, and possibly younger passengers in car seats, makes a  noticeable difference in how one drives.</p>
<p>Interestingly, 60 percent of SUV drivers in this category were women,  whereas for minivans, 51 percent of these drivers were women. In two  instances &#8211; the Oldsmobile Silhouette minivan and the Buick LaCrosse SUV  &#8211; the drivers were split 50/50 across gender but differed dramatically  in age, with Buick showing 81 percent of ticketed drivers over 60 years  old compared with just 8 percent of Silhouette drivers.</p>
<p>Table 2: &#8220;Cautious Vehicles&#8221; (vehicles with lowest percentage of  violations)<br />
Make Model, Body Style, Violations*, Average Age, % Male<br />
Buick Rainier, SUV, 23%, 61, 71%<br />
Mazda Tribute, SUV, 26%, 36, 29%<br />
Chevrolet C/K- 3500/2500, Pickup, 26%, 40, 86%<br />
Kia Spectra, Sedan, 27%, 40, 44%<br />
Buick Lacrosse, SUV, 32%, 65, 50%<br />
Saturn Aura Hybrid, Sedan, 37%, 59, 14%<br />
Oldsmobile Silhouette, Minivan, 37%, 41, 50%<br />
Chevrolet Uplander, Minivan, 38%, 40, 54%<br />
Hyundai Tucson, SUV, 38%, 47, 40%<br />
Pontiac Vibe, SUV, 39%, 41, 32%</p>
<p>*Violations/100,000 miles driven, expressed as percentage of average.</p>
<p>For a complete list, see below.</p>
<p>&#8220;These findings and the corresponding trends they reveal are very  interesting,&#8221; said Bob U&#8217;Ren, senior vice president of Quality Planning.  &#8220;Besides the sociological aspect of &#8216;who drives what,&#8217; the manner in  which private passenger cars and trucks are driven has a meaningful  bearing on how much individuals and families pay for auto insurance.&#8221;</p>
<p>Study Methodology</p>
<p>Traffic code violations data for a one-year period from February 2009  through February 2010 were used for the study. Vehicles that were  discontinued for more than ten years were not included in the analysis.</p>
<p>Violations were then standardized based on the number of violations per  100,000 miles driven for each model. That standardization accounts for the differences in average  annual miles driven by different models. Then, each vehicle model&#8217;s violation count per 100,000 miles was  compared with the average across all the models to identify the 25 models with the highest and  lowest violations.</p></blockquote>
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		<title>Jeep Liberty: The 2011 Experience</title>
		<link>http://www.cartips.com/425/jeep-liberty-the-2011-experience/</link>
		<comments>http://www.cartips.com/425/jeep-liberty-the-2011-experience/#comments</comments>
		<pubDate>Mon, 11 Oct 2010 09:48:00 +0000</pubDate>
		<dc:creator>Erin</dc:creator>
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		<description><![CDATA[SUV enthusiasts can now be treated to the brand new and improved Jeep Liberty; the 2011 model. This is a comfortable 4-door 5-seat machine with high performance features. Built in the US, the jeep liberty comes in three trims, the sport, Renegade and limited, with each trim portraying its own special features. The jeep brand was established in 2002 and &#8230; <a href="http://www.cartips.com/425/jeep-liberty-the-2011-experience/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
				<content:encoded><![CDATA[<p>SUV enthusiasts can now be treated to the brand new and improved Jeep Liberty; the 2011 model. This is a comfortable 4-door 5-seat machine with high performance features. Built in the US, the jeep liberty comes in three trims, the sport, Renegade and limited, with each trim portraying its own special features.</p>
<p>The jeep brand was established in 2002 and has ever since dominated the mid-sized SUV world. There have been improvements along the way, which has brought us to the new 2011 Jeep Liberty.</p>
<p><strong>Scope</strong><br />
The 2011 Jeep Liberty is a 176.9 inch long and 72.4 inches wide vehicle with a 106.1 inch wheel base. It has a curb weight of 3985 lbs with the gross weight reaching 5600 lbs. The luggage capacity is 31.5 cu. Ft. and a maximum cargo capacity of 64 cu. ft. The maximum seating comfortable seating capacity is five.</p>
<p><strong>Performance</strong><br />
Beneath the hood of the 2011 Jeep Liberty is a V6, 3.7 liter engine with 6 cylinders and a 210 Horsepower. The engine has a maximum rpm of 5200 and a 235 ft-lbs torque. The maximum payload that the jeep can handle without strain is 1150 lbs and a towing max capacity of 3500 lbs.<span id="more-425"></span></p>
<p><strong>Fuel consumption</strong><br />
The 2011 Liberty has a fuel tank that holds 19.5 gallons. The fuel consumption approximation is: 16 mpg in the city, 22 mpg on the highway and an average of 18 mpg for the city and the highway combined. The Jeep liberty is petrol driven machine though there was a short-lived diesel version. With a full tank you can drive the Jeep for 312 miles in the city, 429 miles on the highway and 351 miles for the combination on average.</p>
<p><strong>Features</strong><br />
Mechanical features that make the 2011 Jeep Liberty outstanding include; a 3.7 displacement V6 single overhead cam engine. The gas engine has 12 valves that manage to give it a 210 horsepower at 5200 rpm. The Jeep also has a fuel cut-off when decelerating to economize on the fuel.</p>
<p>The sport utility is a 4 x 2 rear wheel drive with a brake hill holder. It is fitted with a tachometer, a clock and a low fuel indicator to complete its instrumentation.<br />
The 2011 Jeep Liberty sports 16 x 7.0 alloy wheels fitted with all season tires. It has  a temporary spare tire, a steel spare wheel and an underbody mounted full size spare tire. The windscreen is fitted with intermittent wipers and the rear window with a defogger and a wiper.</p>
<p><strong>Safety and comfort</strong><br />
Safety features that stand out in the 2011 Jeep Liberty are the ABS brake system with electronic brake force distribution, emergency braking assist, traction and stability control, fitted head air bags in the front and rear, occupant-sensing passenger airbags, front and rear seatbelts, tire pressure monitors, engine immobilizer, dusk sensing head lamp, 2 rear and front headrests passenger’s and driver’s whiplash protection, child seat anchors and safety door lock.</p>
<p>To travel comfortably the Jeep Liberty can hold 4 passengers and the driver. The front seats are made in a bucket design to enhance comfort. Rear seats have a folding and reclining ability. It is easy to operate doors band windows as they are powered with the windows being heated. The 2011 Jeep has cruise control on a power tilt-adjustable steering wheel. The accessory power was retained as from the 2010 version. There are cup holders at the front and door pockets. The Jeep is air conditioned with interior air filtration. There are both rear and front reading lights.  Another feature is duel illuminating vanity mirrors.</p>
<p>For people interested in music, the 2011 Jeep Liberty has got you covered as it has a CD Mp3 player with a total of six speakers. The Jeep comes with a 12 months subscription to satellite radio and an auxiliary MP3 output. The vehicle also has an AM/FM radio, a 6.5-inch touch screen, a 30 GB hard drive and a Garmin navigation system.</p>
<p><strong>General car Info</strong><br />
The 2011 Jeep Liberty retains the SUV look but with better features. The new version has more cargo and storage space and improved seats for comfort. It comes with a sliding sunroof that allows an open air experience while driving. There are features fitted in the</p>
<p>new Jeep that makes it better than other Jeep versions like the remote start and memory seats. The 2011 Jeep Liberty lives up to its tough exterior look by being able to cruise rough terrain which is a trait not found in its SUV competitors. Steep approach and departure angles and exceptional suspension makes it easy for the Jeep to travel off-road. This is simply an all road sport utility vehicle.</p>
<p>Even with the improvements the Jeep may not be able to compete well with other SUVs because of its performance and fuel consumption. Apart from this the advantages and the<br />
features of the new 2011 Jeep Liberty beats the down side by far.</p>
<p>The jeep is a good off-road vehicle for urban people with the desires of driving off the pavement. The safety of the Jeep has been proven through many test drives to come up with the current features that will ensure the safety of the drivers and their passengers.</p>
<p>The 2011 Jeep Liberty is available in either a six-speed manual gearbox or a four-speed automatic transmission. You can also choose to get the 4 x 2 sport trim or the 4 x 4 limited versions. When ordering for your 2011 Jeep Liberty you can specify the color you want or choose from the available four new exterior colors. The exterior can show some improvements as the curves are more defined and the body more aerodynamic. With more dashboard functions and added controls on the steering wheel, it is so comfortable and easy to manage a 2011 Jeep Liberty.</p>
<p><strong>Prices</strong><br />
There is a difference in prices of the 2011 Jeep liberty depending on the trim you want to purchase. All the models have a 3.7 liter V6 engine with 210 horsepower. The prices range from $23, 250 for the Sport utility to $28,250 for the limited edition sport utility, the other one which is the Renegade comes in between for $27,250. You can be able to get Jeep accessories at a price.</p>
<p>Generally the 2011 Jeep Liberty’s prices did not change but the features were definitely upgraded. Whichever trim you choose to drive, just remember that Jeep is a machine that allows you to cruise in the city, on highways and in rugged terrain if you must.</p>
<p><strong>Final thoughts from the editor</strong></p>
<p>I love this little truck. For the price it&#8217;s one of the best ways to get off road out there. The fuel economy sucks, and it&#8217;s not going to win any speed records, but when it comes to the trails you get Jeep&#8217;s legendary track record and reputation for quality.</p>
<p>Had an experience with a Jeep Liberty? Thinking of buying a 2011 Jeep Liberty? Let us know in the comments below.</p>
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		<title>Honda Launches new 2011 CR-Z in 3D</title>
		<link>http://www.cartips.com/397/honda-launches-new-2011-cr-z-in-3d/</link>
		<comments>http://www.cartips.com/397/honda-launches-new-2011-cr-z-in-3d/#comments</comments>
		<pubDate>Fri, 24 Sep 2010 18:54:49 +0000</pubDate>
		<dc:creator>CarTips.com</dc:creator>
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		<description><![CDATA[3D is the huge buzz word these days and Honda sure knows it. Yesterday, Honda motor corp. took over times square in NYC with a five block long event that included live music, a photo booth, Maxim magazine booth girls, the brand new Honda CR-Z and of course a whack of 3D footage (including 3D glasses for the masses). Approximately &#8230; <a href="http://www.cartips.com/397/honda-launches-new-2011-cr-z-in-3d/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
				<content:encoded><![CDATA[<p>3D is the huge buzz word these days and Honda sure knows it. Yesterday, Honda motor corp. took over times square in NYC with a five block long event that included live music, a photo booth, Maxim magazine booth girls, the brand new Honda CR-Z and of course a whack of 3D footage (including 3D glasses for the masses).</p>
<p>Approximately 250,000 people attended the event so I guess it will go down as a success. We probably would have checked it out had we been on the East coast at the time. It looks like fun, though a little forced, and you can check out more in the video below.<span id="more-397"></span></p>
<p><object classid="clsid:d27cdb6e-ae6d-11cf-96b8-444553540000" width="500" height="306" codebase="http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=6,0,40,0"><param name="allowFullScreen" value="true" /><param name="allowscriptaccess" value="always" /><param name="src" value="http://www.youtube.com/v/CO-8Kj5PwSo?fs=1&amp;hl=en_US" /><param name="allowfullscreen" value="true" /><embed type="application/x-shockwave-flash" width="500" height="306" src="http://www.youtube.com/v/CO-8Kj5PwSo?fs=1&amp;hl=en_US" allowscriptaccess="always" allowfullscreen="true"></embed></object></p>
<p>What do you think about the way that Honda Launched the new CR-Z in New York? Let us know in the comments below.</p>
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		<title>Morgan to plunge into electric car market</title>
		<link>http://www.cartips.com/296/morgan-to-plunge-into-electric-car-market/</link>
		<comments>http://www.cartips.com/296/morgan-to-plunge-into-electric-car-market/#comments</comments>
		<pubDate>Mon, 23 Aug 2010 21:33:43 +0000</pubDate>
		<dc:creator>CarTips.com</dc:creator>
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		<description><![CDATA[With many luxury brands getting into the electric car market it seems that Morgan doesn&#8217;t want to miss the boat. And staying always true to form, the British car maker is building a long nosed, sleek and downright amazing looking car. It&#8217;s called the LIFEcar 2, it&#8217;s diesel-electric powered and will take you where you want to go in style &#8230; <a href="http://www.cartips.com/296/morgan-to-plunge-into-electric-car-market/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
				<content:encoded><![CDATA[<p>With many luxury brands getting into the electric car market it seems that Morgan doesn&#8217;t want to miss the boat.</p>
<p>And staying always true to form, the British car maker is building a long nosed, sleek and downright amazing looking car.</p>
<p>It&#8217;s called the LIFEcar 2, it&#8217;s diesel-electric powered and will take you where you want to go in style (as long as you stay within 1000 miles).</p>
<p>It&#8217;ll be no slouch either. Although by no means will it keep up with it&#8217;s gas powered sports car friends, it will get you to 100 km/h in a nice tidy 7 seconds.<span id="more-296"></span></p>
<p>Here&#8217;s a gallery of this sultry beast:</p>
<p><img class="aligncenter size-medium wp-image-297" title="_lifecar_01jpg83" src="http://www.cartips.com/wp-content/uploads/2010/08/lifecar_01jpg83-300x205.jpg" alt="lifecar 01jpg83 300x205 Morgan to plunge into electric car market" width="300" height="205" /></p>
<p><img class="aligncenter size-medium wp-image-298" title="02140031Mjpg34" src="http://www.cartips.com/wp-content/uploads/2010/08/02140031Mjpg34-300x162.jpg" alt="02140031Mjpg34 300x162 Morgan to plunge into electric car market" width="300" height="162" /></p>
<p><img class="aligncenter size-medium wp-image-310" title="nLIFE_rear2jpg65" src="http://www.cartips.com/wp-content/uploads/2010/08/nLIFE_rear2jpg65-300x225.jpg" alt="nLIFE rear2jpg65 300x225 Morgan to plunge into electric car market" width="300" height="225" /></p>
<p><img class="aligncenter size-medium wp-image-313" title="oncept-6-lgjpg21" src="http://www.cartips.com/wp-content/uploads/2010/08/oncept-6-lgjpg21-212x300.jpg" alt="oncept 6 lgjpg21 212x300 Morgan to plunge into electric car market" width="212" height="300" /></p>
<p><img class="aligncenter size-medium wp-image-304" title="FECar-2-VdEjpg1" src="http://www.cartips.com/wp-content/uploads/2010/08/FECar-2-VdEjpg11-300x225.jpg" alt="FECar 2 VdEjpg11 300x225 Morgan to plunge into electric car market" width="300" height="225" /><br />
Here are the specs from the press release:</p>
<blockquote><p><em>LIFECar2 – The Next Generation of LIFECar</em><br />
<em>Following on from the rapturous response that LIFECar received, Morgan  Motor Company has decided to take LIFECar from a prototype, to a fully  fledged production vehicle. There have been some changes to the original  brief, making the car more practical, while retaining the revolutionary  features that made LIFECar unique. </em> <em></em></p>
<p><em>In the place of the original hydrogen fuel cell is a super-efficient,  series hybrid drivetrain, developed using some of the country&#8217;s best  universities, making use of the wealth of knowledge in their research  departments. The drivetrain will power a vehicle that epitomises Morgan  core value of innovation. The use of sustainable lightweight materials  will ensure that not only is the vehicle fuel efficient with a low  carbon output, but that at the end of its very long life, it will be  easily recyclable. </em> <em></em></p>
<p><em>Some key figures for the LIFECar are: </em> <em><br />
* 1000 mile range<br />
* Ultra lightweight (sub 800kg)<br />
* 15 mile EV range<br />
* 0-60mph in 7 seconds<br />
* ~£40,000 Price<br />
Universities involved with LIFECar2 are:<br />
* Birmingham City University<br />
* Oxford University<br />
* Cranfield University</em></p></blockquote>
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