Meeting with installer Elie Rothstein, Hendeles learned about some solutions that would greatly improve upon the OEM sound system. Confident that Al and Ed's could meet his expectations, he gave Rothstein the go-ahead for the $10,000 install. After all, if you're spending $140K on a car, what's an extra 10 grand?Subwoofer Enclosure And AMP RackEmbedded in the rear wall behind the seats, a subwoofer and amps add some powerful lows to the system. "The goal was to achieve a nice, tight bass response to complement the front speakers," Rothstein explains. "This was definitely achieved!" Flushed into the wall and hidden by the seats, you won't even know the Alpine amps and Pioneer subs are back there until you turn on the stereo. Carbon fiber by Sly Machines covers the custom enclosure, coordinating with the Audi's sleek aesthetics.
AMPS
wo Alpine PDX amplifiers power the system. For the front Focals, a four-channel PDX-4.100 pumps out 400 watts of power. Handling the subwoofer, a two-channel PDX-2.150 brings 300 watts.
Sub
Pioneer TS-SW104D slim line subwoofer pumps the bass from Hendeles' favorite rock songs right into the occupants' midsections. The new upgrades by Al & Ed's Autosound blow the original audio system out of the water and Hendeles couldn't be happier. The OEM system may have let him down, but the aftermarket sound met his expectations and then some.
art of Rothstein's plan was to retain the factory source unit by using a Rockford Fosgate 3Sixty.2 processor as an integration device. "This is the best way to integrate with the factory system," Rothstein says. "The built-in time alignment and EQ features truly made this system sound amazing." Shifter Knob
on keeping with the carbon fiber on the vehicle's exterior, Rothstein used Sly Machines carbon-fiber trim liberally in the cabin. In addition to framing the factory head unit, the material adds some lightweight flair to the doors, the sub enclosure/amp rack, and, of course, the trim around the shifter.
Radar Detector
With a performer like the Audi R8, you know Hendeles can't possibly stick to the speed limit. The Passport radar detector helps keep traffic tickets to a minimum. Doors
Keeping things simple, Rothstein disconnected the center channel and rear speakers. He then focused on the front only, mounting new speakers in the factory locations. A Focal K2 Power series three-way component set creates the soundstage. The 6.5-inch midbass and 4-inch woofer lodge in the doors, while the tweeter sits up in the sail panel.
Exterior
The '08 Audi R8 is gorgeous as is. Hendeles left the original body and wheels alone, making his only change in the engine compartment. There, he had the engine walls replaced with carbon fiber.">
MILAN - President Massimo Moratti gave a brief interview to journalists outside the Saras offices on Monday lunchtime.
President Moratti. It has been a wonderful 2008 for Inter. It's a pity about everything that was said after Siena...
"No, it's not. It's you who spoke badly of us. We deserve this first place in the table, just like we deserved to win the Scudetto. What happened in Siena was an incident that we admitted to, I don't know what more we could have done. It was in good faith, and this is very different to what happened years ago. The same thing happened to Juventus yesterday."
The two-legged tie with Manchester United is on the horizon.
"It's an interesting tie and we need it to verify our potential. And it's great for the fans because there will be a lot of interesting players on the pitch."
Are you expecting a full stadium at last in the first leg?
"What do you mean by at last? The stadium has already been full this season when they haven't banned the fans of other teams. So it will be full..."
Do Inter have a good chance of winning the Scudetto early and concentrating on the Champions League, or will Milan and Juventus make it harder for Inter than they have in past years?
"It was Roma that did this in past years and I always consider Roma a great team that play beautiful football. I think it will be a hard championship until the end because Milan have great quality and Juventus have great character, and we can't underestimate this. We have to continue with the same tempo. It won't be easy, but it's a duty, so let's hope we do well."
A lot has been said about Zlatan Ibrahimovic and José Mourinho, and a lot always will be said about them, but is there another player you want to say something about at the end of this year?
"Cambiasso is always to be taken into consideration. He doesn't always make the news, but he has certainly done well this year, too. Cordoba and Samuel have also done their best since returning from serious injuries, like Cruz, for example. But I want to name all of them because they have all done very well, and I'm very grateful to this team."
An adjective to describe this 2008?
"It has been a very good year that will enter football history with an Inter that has dominated, and now we have to show that we can do more. And perhaps with a bit more luck than last season so we can do better on the international stage."
Can you exclude resorting to the transfer market in January?
"Personally, I would exclude it."
Are you talking with Mourinho about Adriano? Does the player need a tutor?
"More than a tutor, he has had a crisis that he is trying to overcome. He has the qualities, so he's a player to always keep in consideration. He's one of the best in the world. It is our constant duty to recover him and we have to help him make the best possible recovery."
Talking exclusively to MUTV in Japan, the boss said: "They kept us hanging being last out of the hat, but its interesting to come up against Jose again. He's a character with a good personality and I've always got on well with him.
"He knocked us out of the competition with Porto, so I hope we have the luck they had in that tie this time round. Inter have had a tremendous domestic record recently and that speaks volumes for the consistency of their team.
"They've got a lot of experience which includes a few South American players. In fact, I think they've only two Italians in their team. That represents a challenge because you know South American players are very tough defensively and resilient players.
"We've played against most of their players over the years and met them in a friendly last year at Old Trafford. So we know about them. Hopefully we'll do the job in the first game and give ourselves a platform to take back to Old Trafford.
"Playing against bigger teams always brings focus to our game, as we showed against Barcelona last season. The most important thing in that tie was to concentrate, and our concentration was terrific.
"The San Siro is a great stadium. We played Inter in the quarter-final in '99 and there were problems with the pitch, it had been relaid a couple of weeks before. But now it's much better. We've been knocked out twice there by AC Milan so we want to go there and do better. Now the competition really gets going and all the English teams have a good chance. I'm happy with our draw."
Next year is set to be a watershed in European women's football but there was plenty to remember in 2008.
EURO excitement
UEFA WOMEN'S EURO 2009™ runs from 23 August until 10 September next year, with a record 12 teams involved in the finals and hosts Finland hoping for an average attendance of more than 10,000. The organisers will no doubt hope for as much excitement as there was in the qualifying group stage. While first holders Germany and then Sweden clinched automatic finals places with games to spare and ultimately perfect records, the other four groups went to last-match deciders where the teams in second were at home to the leaders. In two the home sides overtook their opponents, France beating Iceland 2-1 and Denmark defeating Ukraine 1-0, while England came from two goals down to get the 2-2 draw they needed in Spain and Norway held Russia 0-0.
Play-offs
At that point, only one of the eight 2005 finalists, Italy, were not already through but they defeated the Czech Republic 3-1 on aggregate in the play-offs to put that right. Iceland, Ukraine and the Netherlands reached the finals for the first time, defeating the Republic of Ireland, Slovenia and Spain respectively, while Russia repeated their 2001 feat but needed away goals to see off Scotland. The draw was held in Helsinki on 18 November: the full fixture list can be seen by clicking here.
German success
Prior to the end of qualifying, Germany, Sweden and Norway travelled to China for the Olympics. Sweden and Norway fell in the quarter-finals and after losing to Brazil, Germany clinched a third consecutive bronze medal 2-0 against Japan while the United States pipped Brazil for gold. Still, Germany will aim for a third straight FIFA Women's World Cup at home after being named 2011 hosts.
Youth events
At youth level Germany won the first UEFA European Women's Under-17 Championship in May in Nyon but two months later lost their grip on the U19 title, Italy beating Norway in the final in France. In the inaugural FIFA U-17 Women's World Cup in New Zealand, Germany beat England 3-0 for third place while North Korea took the title against the United States. Similarly, in the U20 event in Chile, Germany overcame France to claim the bronze medal, while the US turned the tables on holders North Korea in the final.
Women's Champions League
At club level, the UEFA Women's Cup will be transformed in 2009/10 after it was announced in December that a new UEFA Women's Champions League will take its place, with more entries, more two-legged knockout rounds, and a one-off decider on the eve of the UEFA Champions League final in the same city. That said, the 2007/08 UEFA Women's Cup final was memorable enough after 1. FFC Frankfurt and Umeå IK beat ASD CF Bardolino Verona and Olympique Lyonnais in the last four.
Frankfurt thrill fans
With the victors to become the first three-time winners, Marta scored in the opening seconds of Umeå's home leg only for Frankfurt to peg back to 1-1 and in the return a week later a competition record crowd of 27,640 was thrilled by the German side's 3-2 victory. However, Frankfurt departed the 2008/09 edition in the quarter-finals against league rivals FCR Duisburg. Duisburg will meet Lyon in the semi-finals in the spring while another club new to the tournament, Zvezda-2005 of Russia, face Umeå.
Group stage
09 December 2008
Barcelona - Shakhtar
Basel - Sporting
Chelsea - CFR Cluj
Marseille - Atlético
Panathinaikos - Anorthosis
PSV - Liverpool
Roma - Bordeaux
Bremen - Internazionale
10 December 2008
Celtic - Villarreal
Dynamo Kyiv - Fenerbahçe
Juventus - BATE
Lyon - Bayern
Man. United - AaB
Porto - Arsenal
Real Madrid - Zenit
Steaua - Fiorentina
Humbled by the car-buying public’s total lack of enthusiasm for its luxurious self-styled “segment buster,” Chrysler returned again to the crossover segment with its 2009 Dodge Journey.
The Journey, like the Pacifica, is also a mid-size crossover available with three-row seating. But that’s about the only common ground between the two.
Built using Dodge Avenger bones, the Journey is similar in size to the $26,870 Chevrolet Equinox. Its rivals in this crowded segment are not only the General Motors crossovers, but also the $23,999 Ford Escape and $25,995 Hyundai Santa Fe (and others). Yet the new Dodge crossover’s pricing is more in line with less expensive compact cars.
Unlike the Pacifica, which Chrysler tried to sell in the $40,000-plus range, a front-wheel-drive/four-cylinder/five-passenger base Journey SE can be had for $19,995. That includes air conditioning, heated exterior mirrors, power windows, door locks, stability control and six-CD stereo.
Even a fully loaded AWD V6 R/T Journey with a DVD screen, three-row leather seating and a personal masseuse (okay, no personal masseuse) can be rolled out of Dodge showrooms for under $35,000 — about the price of a mid-range Honda CR-V.
So right away, Dodge has everyone’s attention with its dollar store pricing. My Journey SE, even with the Plus package (floor mats, a cargo cover, illuminated vanity mirrors, keyless entry, cruise control, security alarm, roof rail crossbars) came to only $20,995.
But what — if any — are the compromises of a vehicle that can be had for thousands less than its competition?
First off: based purely on roominess and unique storage solutions, the interior is hard to fault.
Stealing from Chrysler’s clever minivans, useful touches include a hideaway compartment under the front passenger seat cushion and in-floor storage bins in the second row. With removable plastic liners, you can add ice and use them like coolers. And the middle section of the second-row seat drops for long items to pass through.
If that’s not enough, five-passenger models possess 1,121 litres of cargo room with the rear seats up. Fold them down, and you get 1,915 litres, plus a large storage compartment under the cargo floor that three-row Journeys don’t have.
Just don’t expect any of the luxury touches or refined driving qualities from the late Pacifica showing up in the new Journey.
Not only does the Dodge’s cabin scream “cost cutting” with bland plastics and a back-to-the-Seventies cubist design theme, some of its ergonomic solutions are downright abominable — right up (down?) there with Dodge’s lamentable Nitro:
• The Journey’s standard tilt-and-telescoping steering wheel helps you find a good driving position, but the seats are Saskatchewan-flat and prairie hard;
• Its four-speed automatic’s shift lever is positioned too far back from the driver;
• Perhaps the most egregious ergonomic error is the obstruction of the driver’s instrumentation by the steering wheel. It blocks the temperature gauge and the right half of the tach. The irony here is that there’s room in the panel for both gauges to be located lower, where they would be seen.
What gives? Didn’t anyone at Chrysler sit in the Journey before the final design sign-off?
I’d like to say the Journey SE Plus test car made up for its ergonomic mess by inspiring the driver in me. But sadly, that wasn’t the case either.
Definitely, with its pillowy ride and balloon 70-series Hankook all-seasons, the Journey SE Plus delivers a serene and quiet ride on smooth pavement. Bumps and potholes are nicely absorbed, too.
It’s all perfect if your idea of a spirited drive is getting a great parking spot at the grocery store.
But the Dodge’s engine roar, when you accelerate to highway speeds, enhanced by the long gaps between the mandatory four-speed automatic ratios, negates any driving serenity when pushing on it.
Throw in finger-light steering, a predilection to roll in tight corners, brake pedal feel that rivals the Hankook’s compliant sidewalls and it’s easy to see the Journey SE Plus’s ride-and-drive paradigm was the vehicle it theoretically replaces in Dodge’s lineup — the short wheelbase Caravan minivan.
At least the Journey’s 173 hp 2.4 L four delivers decent fuel economy. It’s rated at 11.0 L/100 km city, 8.0 highway, with an as-tested 10.5. That’s better than the Hyundai and Chevy V6s, but about the same as the four-banger Ford and Honda.
Dealers and crossover buyers have had to wait a long time for a competitive Dodge crossover. And in the areas of roominess and low pricing, the new Journey certainly delivers — and then some.
In the ensuing years, however, between the launch of the Pacifica and the debut of the Journey, the mid-sized crossover segment has rapidly matured.
Customers aren’t impressed anymore by one or two clever packaging tricks. They can now get functionality, human-friendly ergonomics, decent performance and fuel economy all wrapped in if not one, but several crossover offerings that are rivals to the new Dodge.
For more information or to place an order please call toll free.............Customwheel.com - 1.888.266.5177
November sales results showed the American auto industry in a tailspin, and auto company executives are driving (not flying) to Washington to beg for federal aid.
Trust us, this is terrific news for deal seekers.
| More from U.S. News & World Report » December Car Lease Deals » 5 Ways to Get the Best Car Deal in a Down Market |
Just as automaker CEOs are desperate for bailout money, auto dealers are desperate for your money - and they're willing to bend over backwards and even alter the calendar to get it.
General Motors began its holiday special -- the Red Tag Event -- early this year, and it continues through December. That means no-haggle pricing and significant discounts on everything GM makes. Ford is offering employee pricing to everyone, interest-free financing and cash-back deals -- often all three in combination.
And luxury automakers are in on the act, too. Lexus started its "December to Remember" sale in November, and has extended it into January. Infiniti has beaten what Lexus has to offer, with zero-percent financing on many models. Even BMW is offering finance rates below 1 percent on many cars.
Whatever automakers tell the press about car prices, keep in mind that the best incentive may be the one you negotiate yourself. Dealers are reporting a 50 percent drop off in showroom foot traffic as compared to last year. Low traffic means low sales and the potential to negotiate a great deal. Also, more and more 2009 models are hitting dealer lots, which means they have a need to unload the remaining 2008s. Before heading out, be sure to check out our guide to negotiating in a down market and use our online tool to get price quotes from multiple dealers.
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$9,470 after $500 cash back
There is a fight brewing over who can build the least expensive car in America. Last month, Nissan priced the most stripped-down edition of its Versa subcompact under $10,000 for the first time. This month, Hyundai has undercut Nissan's price - by exactly $20. Sure, it's only $20, but for those looking for inexpensive transportation, we think the Hyundai Accent is actually a better deal. According to J.D. Power and Associates, it's the Most Dependable Sub-Compact Car, and it comes with a 10-year,/100,000-mile powertrain warranty -- nearly double Nissan's coverage. This month, the 2008 Accent GS is available with $1,000 cash back -- bringing the price of a new car, under warranty, to below $9,500. Members of the military can even cut the price by another $500.
MSRP: $11,070-$15,870
Invoice: $10,822-$15,406
Employee Pricing + up to $2,500 cash back or 0% APR
Six months ago, $15,500 would have bought you a nice small car. Today, it will buy you a nice midsize car. If you were to max out Ford's current Employee Pricing Plus deal and bring in outside financing so that you could take advantage of $2,500 cash back, you could pay just $15,492 for one of our highest-ranked midsize cars -- about what you would expect to pay for its smaller Focus sibling in an ordinary year. The Fusion ranks highly against the competition for its cornering prowess and stylish look -- and it's never been so inexpensive to own.
MSRP: $19,035-$25,605
Invoice: $10,822-$15,406
0% APR for 36 months
The Infiniti EX is the driving enthusiast's SUV. It's the only rear-wheel-drive compact SUV, making it feel more responsive and balanced than many rivals. Its powerful V6 is quick, its richly-appointed interior is a nice place to spend time, and its "Top Safety Pick" rating from the Insurance Institute for Highway Safety gives drivers confidence. As part of Infiniti's Limited Engagement Winter Event, the EX can be purchased without interest -- but polish up your credit score before applying. The offer is only for "well qualified buyers."
MSRP: $31,900-$36,850
Invoice: $29,343-$33,880
Red Tag Sale Pricing Plus $2,750 Cash Back
The Outlook handles like a much smaller vehicle and is an Insurance Institute for Highway Safety "Top Safety Pick" for its strong crash test scores and standard stability control. It's also a serious family hauler -- while the third-row seats of many SUVs are just token gestures, this one is comfortable even for adults. Right now, GM's no-haggle Red Tag Sale, combined with a generous cash rebate, knocks almost $4,000 off the price of a 2008 Outlook. A comparable 2009 will set you back almost $4,000 more -- but there's no significant difference between the two. Head straight for the '08 -- and in this tough time for car dealers, you might want to try haggling down that no-haggle price.
MSRP: $28,625-$33,035
Invoice: $27,051-$31,218
Red Tag Sale discount plus up to $7,500 cash back
GM built too many Chevy Tahoes, and is now discounting them heavily just to move them off of dealer lots. The manufacturer's Red Tag Sale plus several cash-back offers that can be combined means buyers can now drive off the lot in a Tahoe at a discount of more than $10,000. Those who need the towing capability and seating capacity of a large SUV know that few trucks combine utility and comfort like this one -- and that discount is hard to beat.
MSRP: $34,630-$39,560
Invoice: $31,686-$36,197
Red Tag Sale pricing plus up to $5,500 cash back
New Ford F-150 and Doge Ram trucks are stealing all of the headlines, but the 2009 Chevy Silverado still beats them both in our rankings. It combines rugged strength with everyday comfort and five-star crash test ratings. With GM's no-haggle Red Tag Sale this December, some Silverado models of (trust us, there are more configurations than you can count) are available at nearly $10,000 off MSRP. Maybe fewer of us buy trucks as toys these days -- but they are necessary tools and everyday transportation for millions of Americans. Heavy discounts on the top truck on the market make this a great time to buy.
MSRP: $17,590-$38,950
Invoice: $16,623-$35,639
$5,000 cash back
A 12-mile stretch of twisting asphalt outside Nürburg, Germany is the toughest test in the world for performance cars. The 2008 Viper SRT10 is now the master of it, having posted the fastest lap time ever achieved by a production car on the ‘Ring earlier this year. But Dodge, a unit of struggling Chrysler, can't sell Vipers no matter how hard it tries. The company has considered selling off or just ending the Viper line of cars because, in these hard times, few people want to buy a world-class performance car. But if you do, Dodge is now offering $5,000 off the car before you even walk in the door -- and since you may be the first potential Viper buyer the dealer has met in quite a while, there's even room to negotiate from there.
MSRP: $85,545-$86,295
Invoice: $78,380-$79,048
Accidental death coverage is sometimes a part of your auto insurance policy's Personal Injury Protection or First Party Benefits plans.
If someone who's covered dies from accident-related injuries, this type of auto insurance coverage may provide a payment to the insured's designated beneficiary.
You'll see this term a lot in auto insurance policies or if you ever have to file an auto insurance claim. That's because most auto insurance coverage reimburses you only for the actual cash value of your car. Your car's actual cash value is calculated by determining its original value, minus the amount your car has depreciated since you bought it.
An adjuster is the person who investigates and settles auto insurance claims.
Agents and brokers both sell and manage insurance for their customers. Agents are the authorized representatives of an insurance company or companies, while brokers are the authorized representatives of people looking for insurance.
These systems consist of an electronic device that's installed in a concealed area of your car. If your car is stolen, you can activate the device and it will emit a signal that can be used to locate your car.
Anti-theft recovery systems can be effective over a radius of several miles, depending on local geography. Ask your car dealer or nearby police department which brand of recovery systems are supported in your area. By installing an anti-theft recovery system, you may be eligible for an auto insurance discount.
A benefit is the amount paid by an auto insurance company to you or your beneficiary when you file a claim.
Bodily injury liability coverage protects you if you are held responsible for injuring someone in a car accident.
This coverage helps pay for the injured party's medical expenses and lost wages. Bodily injury liability may also help pay your expenses in a related lawsuit.
The amount covered is capped at the limits you select when you buy your auto insurance policy.
This auto insurance coverage is available only in Michigan.
Broadform works like standard collision coverage, but also pays for collision damage to your insured car regardless of who's at fault.
Although this auto insurance coverage will pay up to your car's actual cash value regardless of fault in an accident, you'll be responsible for the deductible amount you select if you're found to be more than 50 percent responsible for the accident. If you're less than 50 percent responsible, you won't have to pay this deductible.
This classification means that you mainly use your car for business purposes (such as sales, service, and delivery calls) or work-related errands (like trips to the bank or post office), and other work-related driving. Commuting to and from work is not considered business use.
Esurance doesn't currently provide auto insurance coverage for vehicles driven primarily for business/commercial use. (Not sure if this applies to you? We show you a checklist to help you figure out if business/commercial use applies to you when you get your auto insurance quote.)
When you pay for your auto insurance policy with a credit or debit card, we ask for the card's ID number. This 3-digit number is printed on the signature strip of cards with the MasterCard, Visa, and Discover logos. American Express card ID numbers are 4 digits long, and are printed on the card's front side, immediately above the actual card number.
To better safeguard your security, many businesses like ours are starting to ask for a card ID number. The card ID number helps ensure that no one is able to make a purchase without having an actual credit or debit card in their possession.
An auto insurance claim is a policyholder's request to be reimbursed for a loss that's covered by insurance.
Collision coverage helps pay for auto repair or replacement costs if your car hits another vehicle/object or if your car rolls over.
The maximum amount paid for repair or replacement is the car's actual cash value, minus the amount of the deductible you choose when you buy your auto insurance policy.
This auto insurance coverage pays the deductible for your collision coverage if you're involved in an accident in which an uninsured motorist is held legally responsible.
This particular auto insurance coverage isn't available in all states. If it is available, you have to buy this coverage with collision coverage when you buy your auto insurance policy.
If you primarily use your car for commuting, this means that you mainly use the car to drive it to and from work or school.
Comprehensive coverage helps pay for damage to your car resulting from fire, certain natural disasters, falling objects, and vandalism. Theft's also covered.
The maximum amount paid for repair or replacement is the car's actual cash value, minus the amount of the deductible you choose when you buy your auto insurance policy.
The length of time you've been continuously insured is the number of years you have been covered by one or more auto insurance companies without a lapse in your coverage.
For some types of auto insurance coverage, you're asked to choose a deductible. A deductible is the amount of damages you agree to pay for if you file an auto insurance claim.
Though choosing a higher deductible can substantially lower your auto insurance premium, if you file an auto insurance claim, you'll have to pay the full, pre-established amount of the deductible out of your own pocket in order to receive payment from your auto insurance company.
The declarations page of your auto insurance policy summarizes the factual information essential to your auto insurance coverage: the policyholder's name and address, a description of the insured vehicles, the auto insurance premium, as well as the coverages, limits, and deductibles.
These courses consist of defensive driving training for drivers of all ages as well as "mature driver safety courses" intended for drivers age 55 and over.
In certain states, you may qualify for an auto insurance discount if you're in the eligible age range and if you've taken one of these safety courses.
Depreciation is the decline in an object's value due to age, wear and tear, or obsolescence.
The effective date is the date your auto insurance coverage begins. You are not covered by car insurance prior to an auto insurance policy's effective date.
This optional auto insurance coverage pays a fixed amount toward vehicle towing if your car breaks down or if your car gets disabled in an accident.
Also known as riders, endorsements are changes to the original insurance contract. In auto insurance coverage, endorsements may include changing your deductibles or adding a new car to your auto insurance policy.
Exclusions are situations that are not covered by a given auto insurance policy. Specific exclusions are listed in your auto insurance policy.
Extraordinary medical coverage is sometimes a part of Personal Injury Protection or First Party Benefits plans.
Extraordinary medical coverage protects you in the event you suffer accident-related injuries that require serious and/or long-term medical care. Extraordinary medical coverage begins once you have exhausted the limit on your standard medical benefits coverage.
First Party Benefits, or FPB, is a kind of optional auto insurance coverage available to Pennsylvania drivers.
Depending on the specific FPB coverages you select, if you're injured in an accident, FPB covers you and relatives residing in the same household for medical expenses, lost income, accidental death, and/or funeral costs. The amounts covered are capped at limits you select when you buy your auto insurance policy.
Full coverage auto insurance denotes an insurance policy containing all auto insurance coverage legally required in a given state. The term “full coverage” does not imply the policyholder will always be fully covered.
Funeral benefits coverage is sometimes a part of your auto insurance policy's Personal Injury Protection or First Party Benefits plans. If a covered individual dies from accident-related injuries, this auto insurance coverage pays for a portion of funeral expenses, regardless of who is at fault in an accident.
Covered costs are subject to the limits you choose when you buy your auto insurance policy.
The garaging location is where your insured car is parked most of the time. This location is usually indicated by the ZIP Code of the policyholder's primary residence.
Income Loss coverage is sometimes a part of your auto insurance policy's Personal Injury Protection or First Party Benefits plans.
Income loss coverage protects you if you're unable to work due to accident-related injuries. This auto insurance coverage helps you recover portions of your lost salary and other expenses you may incur as you try to return to work.
An indemnity is a pre-determined sum paid for a covered loss.
Insurance claim reports provide details about auto insurance claims you or other insured drivers have filed with insurance companies. These reports are provided by independent consumer reporting agencies that collect auto insurance claim information from a variety of insurance companies. One of the most common agencies issuing such reports is C.L.U.E., the Comprehensive Loss Underwriting Exchange.
Insurance scores are based on analytical models that objectively measure the relative likelihood of future insurance losses based on your credit history. These scores and analyses of their significance are provided by independent consumer reporting agencies.
The insured is an individual covered by a given auto insurance policy.
A judgment is a final decision rendered by a court of law. For example, in a lawsuit related to an auto accident, where Kate hit Eric’s fence, the court determined that Kate was wholly responsible for the accident. The judgment determined that Kate should pay for the costs of repairing Eric’s fence.
Liability is a term that broadly means legal responsibility. If you run a stop sign and hit another car, you may be found liable for the damages to the other driver's car.
Liability coverage protects you from having to deplete your assets to pay for damages if you're held responsible for injuries or damages arising from a car accident.
The two main types of liability coverages in an auto insurance policy are bodily injury and property damage.
Limits are the maximum amount an insurance company will pay for a covered loss. Though you can choose your limits for certain coverages, some states require you to buy certain levels of auto insurance coverage. In such states, you'll have to choose limits that at least meet your state's auto insurance requirements.
Medical Benefits coverage is sometimes a part of your auto insurance policy's Personal Injury Protection or First Party Benefits plans.
Medical expenses that are the direct result of accident-related injuries are covered. Covered medical expenses are capped at the limits you choose when you buy your auto insurance policy.
This auto insurance coverage pays medical bills and/or funeral expenses if a covered driver and/or accompanying passengers are injured or killed while in an insured vehicle, regardless of fault in an accident.
This may also cover policyholders and their family members when in others' vehicles, or when policyholders and their family members are on foot and hit by a car.
The amount paid by medical payments coverage is capped at the limit you choose when your buy your auto insurance policy.
A Motor Vehicle Report (MVR) provides information on your driving record. This report includes accidents and moving violations. Auto insurance companies obtain MVRs from states where you or other insured drivers have been licensed to drive.
The National Credit File provides objective consumer information regarding the financial history of an individual. Information contained in this report is often used to calculate insurance scores.
If a type of auto insurance coverage is described as no-fault, this generally refers to the way the insurance company settles a covered auto insurance claim.
Generally, if a certain coverage is no-fault, responsibility doesn't have to be assigned before an auto insurance claim gets settled.
In some states, called no-fault states, insurance companies are legally required to pay a policyholder's covered losses, regardless of who's held responsible for an accident.
Some no-fault states also restrict the right to sue for damages. In states without no-fault regulations, the insurance company covering the person who caused an accident is forced to pay for covered losses.
A non-passive alarm has to be manually activated every time you leave the car. If someone attempts to open your car, the alarm sounds, and the system disables the automobile's starter, ignition system, and/or fuel circuit.
You may qualify for an auto insurance discount if your car is equipped with such an alarm.
Passive alarms are automatically activated and emit warning sounds when someone tries to get into your car. Once the passive alarm has been triggered, the system disables the automobile's starter, ignition system, and/or fuel circuit.
You may receive an auto insurance discount if your car is fitted with such an alarm.
Personal Injury Protection, or PIP, is a kind of auto insurance coverage available only in certain states, where it's often mandatory. PIP generally includes expanded coverage of accident-related medical costs. In some states, PIP also pays for lost wages and similar losses.
Specific protections afforded by this type of auto insurance coverage and limits on PIP payments vary widely from state to state.
If you use your car for pleasure, this means that you typically drive it for fun, with no regular commuting or business use.
Your auto insurance policy's expiration date is the date when auto insurance coverage ends if your auto insurance policy isn't renewed. The expiration date can be found on the declarations page of your auto insurance policy, on a proof of insurance card, or on a recent auto insurance renewal notice.
A policy term is the length of time an auto insurance policy is valid. Auto insurance policies from Esurance have a policy term of 6 months.
The primary driver is the person who drives a car most frequently.
A vehicle's primary use is how the car is typically used. Auto insurance companies usually classify primary use as commuting, business/commercial, or pleasure use.
The primary policyholder is the person who serves as the main point of contact with Esurance. Since he/she is the main point of contact, we need the primary policyholder's valid email address so that we can send account updates, auto insurance renewal notices, and other policy-related communication.
Typically, the primary policyholder is also the person billed for your auto insurance policy from Esurance. If you prefer, any other person listed on your auto insurance policy can also be billed for your auto insurance premium.
Property damage liability coverage protects you if you are held responsible for damaging someone else's property in a car accident.
Property damage coverage helps you reimburse another person for their damaged property (such as a car, a fence, or a home). This type of auto insurance coverage also helps pay your expenses in a related lawsuit.
The amount covered by property damage liability is capped at the limit you choose when you buy your auto insurance policy.
Rental car reimbursement is an optional kind of auto insurance coverage that helps pay for your rental car expenses if an insured car is damaged or stolen and you need a rental car.
An SR-22 is an official document that shows proof of financial responsibility. Courts may require an SR-22 or a similar form for people convicted of certain traffic violations.
A secondary driver is one of the drivers listed on your auto insurance policy who's insured for driving an insured vehicle. However, this driver is not a car's primary driver.
A secondary driver is also sometimes known as an occasional driver in auto insurance terminology.
Supplemental spousal liability, or SSL, is an optional coverage, available only in New York State.
This type of auto insurance coverage protects you if you’re found to be at fault in an accident resulting in injury or fatality to your spouse.
The amount covered by SSL is capped at the limit you choose when you buy your auto insurance policy.
Stacking is an option available when you buy uninsured/underinsured motorist bodily injury coverage. Stacking changes the limits for this type of auto insurance coverage.
When you choose stacking, uninsured/underinsured motorist bodily injury limits increase by the number of cars you're insuring. If you buy $50,000/$100,000 limits for uninsured/underinsured motorist bodily injury coverage, choose stacking, and insure 2 cars, stacked limits for this coverage then equal $100,000/$200,000.
A steering restraint is a durable collar or shield fitted to the upper and lower casing of your car's steering column. The collar makes it harder for potential thieves to access, or "hotwire," your car's ignition system.
You may qualify for an auto insurance discount if your car is fitted with a steering restraint.
Tort is a legal term used to describe instances when someone is deemed legally responsible for injuring another person or damaging his/her property.
Some states ask you to select a tort provision. In these states, you can limit your right to sue for non-monetary damages (like pain and suffering) in exchange for a reduced auto insurance premium.
This type of auto insurance coverage is optional, and pays a fixed amount toward towing if your car breaks down or if it's disabled in an accident.
Underinsured motorist bodily injury coverage is available in some states, where it's often mandatory.
This type of auto insurance coverage pays for your medical expenses, lost wages, and other damages when you or your passengers are injured in an accident caused by a driver who has insufficient auto insurance coverage.
This kind of auto insurance coverage typically pays the difference between the coverage limit you select and the other driver's bodily injury coverage limit.
The amount covered by underinsured motorist bodily injury is capped at the limit you choose when you buy your auto insurance policy.
Underinsured motorist property damage coverage is available in some states, where it's often mandatory.
This type of auto insurance coverage protects you if your car is damaged in an accident caused by a driver who has insufficient auto insurance coverage. Other specific protection afforded by this type of auto insurance coverage varies from state to state.
This kind of auto insurance coverage pays the difference between the coverage limit you select and the other driver's property damage coverage limit.
The amount covered by underinsured motorist property damage is capped at the limit you choose when you buy your auto insurance policy.
Uninsured motorist bodily injury coverage is available in some states, where it's often mandatory.
This kind of auto insurance coverage pays for your medical expenses, lost wages, and other general damages when you or your passengers are injured in an accident caused by a driver who has no car insurance. Uninsured motorist coverage also pays for injuries sustained in hit-and-run accidents.
The amount covered by uninsured motorist bodily injury is capped at the limit you choose when you buy your auto insurance policy.
Uninsured motorist property damage coverage is available in some states, where it's often mandatory.
This kind of auto insurance coverage protects you if your vehicle is damaged in an accident caused by a driver who has no car insurance. Other protection afforded by this type of auto insurance coverage varies from state to state.
The amount covered by uninsured motorist bodily injury is capped at the limit you choose when you buy your auto insurance policy. In some states, you'll need to pay a deductible each time you file an auto insurance claim.
In some states, both uninsured and underinsured motorist bodily injury are bundled into a single coverage. In the states where this type of auto insurance coverage offered, it may be mandatory.
This kind of auto insurance coverage pays for your medical expenses, lost wages, and other damages when you or your passengers are injured in an accident caused by a driver who doesn't have enough car insurance, or who completely lacks auto insurance coverage. This type of auto insurance coverage also pays for injuries sustained in hit-and-run accidents.
The amount covered by uninsured/underinsured motorist bodily injury is capped at the limit you choose when you buy your auto insurance policy.
The VIN, short for Vehicle Identification Number, is the unique 17-digit number found on every car. The VIN contains the vehicle's serial number, as well as abbreviations for the make, model, and year.
The VIN appears on your vehicle registration card. It's also engraved in your car, near the base of the windshield on the driver's side dashboard and/or on the edge of the driver's side door.
Though you don't need to enter your VIN when you get an auto insurance quote from Esurance, you will need to provide your car's VIN when you buy your auto insurance policy.
