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The biggest gas-guzzlers of 2024: ‘The Meanest List’ is the opposite of greenest cars originally appeared on Autoblog on Thu, 14 Mar 2024 17:00:00 EDT. Please see our terms for use of feeds.
As boring and annoying as it can be, car insurance is a part of almost everyone’s lives. With few exceptions, every driver must have auto insurance before hitting the road, and states have different minimum requirements on coverage for things like bodily injury and liability. If you’re wondering how much car insurance costs, we’ve got you covered and can help you find ways to save money on your next car insurance policy.
Car insurance prices vary wildly from place to place and from driver to driver, but the national average for full-coverage insurance on a vehicle is a little less than $2,000 per year, or around $165 per month. That rate is for a driver with a clean record and good credit, and it can climb quickly with accidents and dings on the driver’s credit report.
Nerdwallet found that a good driver with bad credit can pay as much as 61% more than those with good credit scores. Interestingly, having an accident didn’t cause the average rate to rise as much, but a DUI conviction almost doubles the national average cost.
Minimum coverage is much cheaper, totaling $549 for good drivers with good credit. Similar increases apply to people with bad credit, accidents, and DUIs. It’s important to note that minimum coverage should not be viewed as a simple way to save money, however, because the costs to repair your vehicle after an accident can easily surpass any potential savings from a lower level of insurance coverage.
Insurers also charge men more for car insurance, though the gap between average insurance costs for men and women narrows as their age increases. Insurance costs for young men are more than $500 more expensive than for young women, but by age 35, the difference is just $25. At age 50, men and women pay roughly the same, with women paying slightly more than men in some cases.
It pays to shop around — the following statements are on average, in general, so you need to compare rates for your own car and your own situation. That said, USAA tends to be the cheapest insurer for many drivers, but it’s only available for active, retired, and separated veterans with an honorable discharge. For everyone else, State Farm offers the second-most-affordable rates, on average. Travelers and American Family are next, though AmFam is only available to drivers in 19 states.
You might find a regional insurer that offers better rates, and you may be eligible for discounts that lower your monthly payment further. There may also be job-specific or profession-specific insurance companies, such as California Casualty, which is only available to educators, healthcare professionals, and others.
Drivers in Florida paid more than anyone else in the country, with an average insurance cost of $3,797 per year. Wyoming is on the opposite end of the spectrum, where drivers pay $1,069 for full coverage. Insurers tend to charge more in states and areas where more drivers are involved in car accidents.
Several states tilt toward the more expensive end of the spectrum, including Louisiana at $3,608 per year, Rhode Island at $3,341 per year, and Kentucky at $2,965 per year.
Young drivers pay more for car insurance than more experienced vehicle owners. With a clean driving record, the average 20-year-old driver pays $4,110 for full-coverage insurance. Rates for young drivers are also more sensitive to changes in credit scores and traffic citations. Poor credit can impact the average annual insurance costs by up to 50 percent, as 20-year-olds with clean driving records and bad credit paid $6,597.
Car insurance costs can vary significantly between vehicle types, and there are a few that tend to cost more. Sports and luxury cars, which are expensive to buy and repair after a crash, are often more costly to insure. Sports cars are also more likely to help you earn a speeding ticket and may be driven more spiritedly than mainstream cars, increasing their risk and cost to insure. Insurance companies also look at how often specific car models are stolen to determine if there’s an increased risk of damage repairs or vehicle replacement. The recent TikTok-inspired thefts of some Hyundai and Kia models are a great example, as some insurers have declined new policies on those vehicles.
Finally, electric vehicles might be more expensive to insure in some cases, as their batteries are shockingly pricey to replace. They are also packed with tech from nose to tail and, in many cases, carry the latest safety tech. All those sensors, cameras, and other electronics are expensive and may require specially-trained technicians to install.
Car insurance can be expensive, but the good news is that most insurance companies offer discount programs, and many people qualify for more than one. Some of the most common programs include good student discounts for younger drivers, teachers and school administrators, law enforcement and first responders, veterans and active military, good drivers, and more.
Some insurance companies offer discounts for installing a monitoring device that tracks your driving speed and style. If the information shows that you were a safe driver and did not drive aggressively or too fast, your insurer gives a small discount as a reward. The tradeoff is that you’re also giving up some privacy and may share more information than you want.
Your car insurance rates can increase when you have a wreck or if your driving record changes for the worse. That means speeding tickets, at-fault accidents, alcohol- or substance-related citations, and more. Insurance companies are constantly monitoring risk, and can adjust your rates accordingly if there is reason to believe that you’re a riskier driver than before.
Students and young drivers often get discounts for good grades and other incentives, so an increase in rates could be related to no longer receiving those benefits. Finally, upgrading to a new car with higher replacement costs can drive your rates higher.
Most agents sell insurance products from a major insurer, so you’re not getting completely different coverage options by going with a local agent. That said, many have access to promotions and other savings options that could help reduce your costs. You may also find that a local agent gives you more customer service options and that it’s easier to get information from a face-to-face interaction over waiting on hold with a distance call center.
There are several ways you can save money on car insurance, and only one requires you to reduce your level of coverage. Shopping around is one of the best ways to get a reasonable rate on your car insurance. You can compare insurers and may be able to pit them against each other to get the best price. Some insurers offer lower monthly rates in exchange for a higher deductible, but it’s a good idea to do the math to determine how much you’ll save compared to the higher payout down the road.
Keep track of available discounts to ensure you’re getting every possible cost reduction, and monitor your credit score to prevent surprises when applying for new coverage. One of the best ways to save money is to maintain a clean driving record, which includes staying out of trouble for things like speeding and DUIs.
If none of those things apply to you and you still need to save money, reducing your level of coverage could be a possible last resort.
If you have full coverage insurance on your car, moving to a minimum coverage or liability-only plan can save you hundreds of dollars a year. However, be aware that doing so will change your situation after a crash. If you remove full coverage insurance and are involved in a collision, you may be on the hook to pay for your own repairs and could be faced with big bills if you damage property or incur a citation in the process.
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Continue reading 2024 Buick Envista Avenir Interior Review: A real winner from Buick
2024 Buick Envista Avenir Interior Review: A real winner from Buick originally appeared on Autoblog on Tue, 12 Mar 2024 10:00:00 EDT. Please see our terms for use of feeds.
Manufacturers of connected cars are sharing way more data than customers may realize, the New York Times reported Monday, and that’s only half the problem. According to the report, automakers may be sharing statistics about customer driving habits with their insurance companies directly. If you drive a car with built-in telematics in a way that you’d rather your insurance company not know about, you may want to keep reading.
So far, the Times has only linked the activity to instances where customers voluntarily opt into various connected features, but how customers agree (not to mention whether they understand exactly what they’re agreeing to) varies by manufacturer. In the cases of OEMs like Tesla, who provide their own insurance either in-house or via a partnership, customers are made aware that the service will monitor their driving behavior. Some third-party insurers even offer electronic monitoring devices that interface with the universal on-board diagnostic (OBD) port located on every mass-market vehicle.
In other instances, however, the data collection is less transparent. NYT called out General Motors in particular for sharing data with third parties with little (or ambiguous) documentation. GM’s optional OnStar Smart Driver service offers to track customer driving habits for them, ostensibly to help them behave more safely and economically, but does not obviously disclose that the collected statistics may end up in databases like LexisNexis that available to insurance companies. Multiple owners of high-performance GM vehicles claimed they were targeted by insurance companies for rate hikes after taking their cars to the track while the service was active. In some cases, those customers may have been enrolled in the service at the dealership as part of a larger OnStar bundle.
Other automakers acknowledged arrangements with third-party data collection firms, but in more limited and situational contexts. Subaru’s Starlink service has a feature that allows customers to enable insurance tracking, but only if they explicitly request that it be used to generate insurance quotes. Otherwise, it shares only odometer data with third-party providers. Acura, Honda, Hyundai, Kia and Mitsubishi all offer an optional driver score feature that includes data collection and transmission to insurance databases, NYT reports, but all require the customer to opt in.
If you own a connected car — and especially one sold by GM — the story deserves a careful read.
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GMC,Crossover,SUV
Continue reading 2025 GMC Terrain spy photos show it inside and out
2025 GMC Terrain spy photos show it inside and out originally appeared on Autoblog on Wed, 6 Mar 2024 14:50:00 EST. Please see our terms for use of feeds.
Just before the Chicago Auto Show, I messaged Road Test Editor Zac Palmer to ask if I could get a test car to drive out to the event. He came back with two options that were coming in that week: a Mazda CX-90 PHEV and a Kia EV9. Keep in mind, the Chicago Show is in February, and the trip from Detroit takes place mostly in southern Michigan or northern Indiana, depending on your route. Either way, it would most likely be cold. And the distance would be around 290 miles one way, or 10 more than the estimated maximum range of the EV9 Land AWD offered.
Even in a gas car, I’d have to refuel at some point in the round trip journey, but obviously that would be trivial. So the clear choice for hassle-free driving was the Mazda. And yet, for some reason that I still don’t completely understand, I felt adventurous when Zac sent me the options, and I told him to book me time in the Kia. Even as I typed in my response and hit “send,” I was thinking, “Are you really sure about this? This could turn into a massive headache.” I kept staring at my Slack app. But I stuck to my guns. I would pilot the EV9. And guess what? I got a glimpse at how totally uninteresting an EV road trip could be, and it was truly beautiful.
The trip also sort of started before it, well, started. Between the EV9’s delivery and driving it around a bit for errands and dropping off my dog with my parents (he’s shown above, eager to start the drive), the charge level had dipped below 50%. I still haven’t added a 240-volt Level 2 charger to my house (which is something I would absolutely do if I actually owned an EV, and is still on the to-do list considering my work). So I needed to run it over a couple of miles to my local Meijer, which is home to 350-kilowatt and 150-kilowatt EVGo charging stations. While I was hoping to grab one of the 350s to take advantage of the Kia’s seriously fast charging capabilities, it was apparently a busy night for charging. Both 350s were taken, including one by a Chevy Bolt EV whose owner apparently doesn’t understand that a 350-kW charger will be no better for their car than the very-much-open 150-kW one next spot over. At least all the chargers were working.
After backing up to the slower charger, I braced myself for another possible hurdle: payment. This is one of my biggest peeves. And I need to preface this by noting that we have the payment and refueling process solved with gas stations. You pull up, you swipe your card, you fill up. It’s that simple, and it works every time. You don’t have to sign up for an app for Shell, ExxonMobil, Marathon, BP, Speedway, and many, many more to start up and pay for your fuel. And I bring this up, because so many times, I’ve pulled up to a charger, and the credit card reader is not functioning. Which then means I have to bust out my phone, find the app for the charger, find the charger, and activate it from there. And that’s if I have the app already and don’t have to sign up for it.
That night at Meijer, though, I just plugged into the EV9’s charge port, and the station immediately recognized it was connected to the car. It then swiped my card, and after a few moments, clicks and whirrs, the screen confirmed the EV9 was in fact charging. This is obviously how you’d expect it to go every time, yet no part of the above is guaranteed to work with any regularity. After a leisurely 30 to 45 minutes of grocery shopping, I came back out to find the car charged up to around 80%. I stuck around another 15 minutes or so to get it to 90% and then went home and plugged into 120 volts to finish it off overnight. It was a shockingly promising start to the trip.
To help make sure that became I trend, I did some light research to figure out where best to recharge en route to Chicago. Available in browsers and as an app, PlugShare provides detailed information on the locations of a wide variety of chargers from different chains and of various power levels. It was extremely helpful to be able to view basically everything on the route, and to be able to filter out slower chargers and ones with connectors that might not work for me. I decided I would stop at yet another Meijer, approximately 230 miles away near Michigan City, Ind., where there were Electrify America chargers with full 350-kW charging capability. That Meijer also had loads of Tesla Superchargers (shown above), but without an adapter or a Tesla charging account, I was ruling those out.
The next day, I loaded up the EV9 and found the range estimate to be between 260 and 270 miles. Fortunately, we had a bit of a warm spell, resulting in temperatures in the high 40s and low 50s for the drive. As such, the batteries weren’t too cold and I wouldn’t have to rely so much on the heater, all good news for range. I left the car in Eco mode just to be safe and ensure that maximum range estimate, and began my journey like any other road trip.
Though I stopped on occasion to grab snacks and use the bathroom, the big stop would obviously be the pre-planned pit near Michigan City. As I neared, the car was repeatedly warned of the battery being below 20%, and I even saw a warning that maximum motor power was reduced at one point. Fortunately, whatever power reduction was in effect still left the EV9 more than comfortable driving at highway speeds or needing to accelerate. So if you see such a warning in your own example, don’t panic.
Admittedly, there was still some concern building in the back of my mind. I was going to get to Michigan City with just under 10% charge, and if I arrived to find malfunctioning chargers or a row of near-empty Bolts, I was in a tough spot. Miraculously, I pulled into that Meijer parking lot to find a bank of green-glowing Electrify America stations, all 350s and seemingly all functional. Just as with the EVGo station the night before, I plugged in, tapped my card and, as the EV9 literally says out its front speaker, “charging started.” The estimated time to 80% said about a half hour, and by the time I went into the Meijer, used the restroom and purchased some snacks, that 80% had in fact arrived. Again, I stuck around for a few more minutes to squeeze in some more electrons, which seemed like a good idea since I wasn’t completely sure what the charging situation would be at the McCormick Place Hyatt Regency. With a huge excess of power to complete my journey, I soldiered on to the home of Soldier Field without a care in the world.
Pulling into the hotel parking garage, I was a bit disappointed to see no Level 2 chargers about for somewhat slower charging. But I spotted that someone, clearly another journalist as it was a press vehicle, had found a standard 120-volt household outlet to plug in a slow AC charger. As my EV9 had a charging cord in the cargo area – a standard feature on the EV9 – I proceeded to do the same, leaving it plugged for the entirety of my time in Chicago, ensuring I would have a full battery for my return trip.
That would include a detour to pick up my dog in Indiana, so a different route would be in order. Using PlugShare, I picked a service plaza on the Ohio Turnpike just 195 miles away from Chicago. This would give me a little extra buffer in case the worst happened and I couldn’t charge there. Thankfully, I had the same flawless experience as my previous stops, including returning from a fast food dinner break to find the EV9 back up to 80%. That amount of range meant I could finish my trip without any more charging stops.
I learned a number of things from this trip, all of which point to the fact that EV transportation actually has the potential to be stress-free, and it’s not as far off as it might seem.
For one thing, we actually have charging speeds that are more than acceptable for road trips. No, fueling is not as fast as the 5 to 10 minutes of filling a gas tank. But there’s a key advantage that isn’t usually mentioned: You don’t have to be with the car while it’s filling up. When you’re on a road trip, there’s a good chance you’re still going to pop into the shop to recharge yourself (or drain). Even if you’re really quick, you’re often looking at about 15 minutes in total, maybe 20-30 if you’re waiting on others. As I only needed about 30 minutes in the EV9 to charge to 80% on each stop, recharging didn’t really add any extra time to my drive and was just as convenient. I was even able to refuel at my destination, something you can’t do with a gas car, though dedicated destination chargers are obviously preferable to mooching off the hotel and hoping no one unplugs you.
Planning my trip was pretty easy, too. It wasn’t as carefree as simply punching in my final destination and just filling up when I felt like stopping, but I only ever had to use one site and then my phone’s navigation app (though Kia’s is quite good and starts suggesting charging stations when you approach 20%). I did NOT need to have 10 different apps to charge along the way because I could simply pay with my card. You know, the thing I use to purchase goods and services from literally every other physical retail place in the country.
I experienced the best-case scenario of road tripping with an EV. This is how it’s supposed to work and one assumes will work as the infrastructure continues to be built out. Of course, this is not how it typically goes today. Some combination of charger malfunctions, payment difficulties and crowded stations is still unfortunately the norm, with the prospect of poor weather conditions adding yet another layer. We’re obviously not there yet, but this trip shows that carefree EV road tripping is not fantasy, it can be a reality. Not a common enough reality, but a reality nonetheless. I’m feeling more excited and optimistic that as dependability and availability improves, EV life will be as pleasant, if not more so, than internal combustion life.
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Continue reading 5 classic trucks and their polarizing modern revivals
5 classic trucks and their polarizing modern revivals originally appeared on Autoblog on Sun, 3 Mar 2024 06:43:00 EST. Please see our terms for use of feeds.
Car crashes that result in fatalities and pedestrian deaths have been on the rise the last couple of years, with no indication of a slowdown. Forbes Advisor sifted through NHTSA and U.S. Census Bureau data on the 50 most populous cities in the country to find out which have the worst drivers — the ones contributing more than their share to the nationwide stats. The equation took five metrics into account and weighted them, all based on the number and kinds of fatal accidents per 100,000 residents: The overall number (per 100,000) (24%); how many involved drunk drivers (0.08 BAC or above) (19%); how many involved distracted drivers (19%); how many involved speeding (19%); and how many people were killed (19%).
The National Highway Traffic Safety Administration’s Fatality and Injury Reporting System Tool is considered weak on distracted-driving reporting, lacking rigorous controls for reporting and a definition. Even so, Albuquerque took the award for the highest number of fatal accidents that involve people focused on something other than driving. Beyond that, it didn’t score higher than third in any other category, taking bronze for the overall number of fatal accidents and the number of people killed.
Memphis followed just 1.5 points behind despite winning three categories: Memphis drivers rang up the highest total number, the highest number involving a drunk driver, and the highest number of people killed. The city was saved from the headline spot by being eighth for distracted driving and 40th in fatal accidents involving speeding. That last one is an unexpected take, considering what we’ve seen on Memphis highways.
Detroit almost swept second place in every metric, only missing out by coming 22nd in the distracted driving category.
Out of all the cities, Kansas City, Mo., had the highest number of fatal accidents involving speeding.
California led the overall rankings of 50 cities with the greatest number of cities in the bad-driver ranks, at nine, but none ranked higher than 22nd. Texas followed with six, but the Lone Stars put three cities in the top 15.
Before you purchase an all-electric vehicle, where you live could impact your decision. A study from iSeeCars.com showed the worst cities and states to own an EV, particularly if you can’t charge at home — these are the areas with the fewest public chargers across the U.S. The absolute fewest were in Louisville, Kentucky. That city only has 412 chargers. Rounding out the worst three are Birmingham, Alabama, and Milwaukee, Wisconsin. The report also lists the best states for owning an EV.
While Midwest and Southeast cities stood out for least EV chargers in terms of raw numbers, they also making the list for least EV-friendly metro areas — a slightly different calculation determined by the ratio of residents to chargers.
The trend continues as iSeeCars.com ranked overall states as least EV-friendly. Mississippi, Louisiana and Alaska made the top (or the bottom, depending on how you look at it) three for this list.
To read the full report, check out iSeeCars.com.
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Continue reading Buick shows off Wildcat EV in gold, debuts new brand tagline
Buick shows off Wildcat EV in gold, debuts new brand tagline originally appeared on Autoblog on Tue, 27 Feb 2024 10:00:00 EST. Please see our terms for use of feeds.
