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Minggu, 23 Juli 2017

The Mysterious World Of Auto Leasing


Auto leasing and the marketing thereof have been somewhat under the radar the past few years due to very low interest rates offered up by lending institutions. For most, the allure of leasing a car has been the advantage of lower monthly payments. With the low financing rates, this advantage has been shifted to traditional financing.

The world of car leasing has a long history of being somewhat less than straightforward. Even now one can find some pretty good deals out there, but the financial process around leasing a car can still be more than a bit confusing. And it’s this confusion that can leave you with a less than warm and fuzzy feeling after your leasing transaction is all said and done.

So, in an effort to avoid or mitigate the confusion when it comes to auto leasing, let’s take a look at some basics.

In auto leasing you are only paying for (in the form of monthly payments) the portion of the car that you use over the life of the lease (the part you use is how much the car depreciates). As part of your monthly payments, you’ll also be paying sales tax and finance charges.

Yes, finance or interest charges. In car leasing vernacular this is known as the ‘money factor’.

What determines how much of the car you will use is the car’s residual value. The residual value is a predetermined number as to what the market value of the car will be at the end of the lease.

For example – if a £20,000 car has a residual value of £11,000 at the end of your 36 month lease – this means that you will have used £9,000 of this car; so your monthly payments will be based on £9,000 over 36 months. As you can see, the better a car holds its residual value or the higher that value is... the more favorable your monthly payments will be.

More often than not the money that you will need to come up with up front is your first monthly payment and a security deposit. Of course, you are more than welcome to put more money down (cap cost reduction) just like when purchasing a car; if you want to lower your monthly payments even more.

The cap cost or capitalization cost is another name for the price of the car you’re looking at. And, just like purchasing, you can and should negotiate the price or in this case the cap cost of the car. In fact, I wouldn’t even disclose the fact that you’re considering leasing until you’ve negotiated and agreed on an actual selling price of the car you’re looking at.

As you see, doing your homework is every bit just as important as and probably more so than when you are actually purchasing the car. Negotiating and leasing a car based solely on achieving a monthly payment is probably the number one reason consumers get stuck paying too much.

Cap cost reduction is almost always negotiable. If a dealer tells you that it is not or unwilling to do so… they are plenty of other vehicles and dealers that offer and will.

We touched on the ‘money factor’ which is the leasing equivalent of the interest rate. Are you getting the best possible ‘money factor’? Just like the purchasing side, the dealer can add points to a money factor just like they can to an interest rate in order to maximize their profit. This is why it is extremely important for you to know your credit score and at what interest rate you qualify for before you even set foot in a dealership or you could really get … well … made love to.

Many factory warranties on vehicles run for 36 months. This is a good reason not to be looking at leasing a car for longer than the factory warranty. In addition, once you get out past 36 months on a car lease, you rapidly start losing the advantage of the residual value since most depreciation occurs early on.

Lastly… well, maybe not lastly when it comes to leasing but lastly within the scope of this article; if you have good credit, or perhaps have been a good or repeat customer, ask the dealer to waive the security deposit andor the acquisition fee. First of all, they won’t if you don’t ask; and secondly this is certainly a fair request as part of the negotiating process. Worst case they say no. Best case... you save some more of your hard earned money.



The Classic Automotive Product The Ford Model A Motor Auto


Creating a replacement for the phenomenally successful; Model T Ford will always be recognized as one of the toughest tasks in all the entire history of the automobile industry.  Later successes in an established industry are always easier – the groundwork has been done.  It is early on in the marketing cycle of a car , an industry or a sales territory  is where  the greatest efforts are usually required and the results success or failure are more dramatic.   Mr. Henry Ford was confident and eccentric enough to want the Tin Lizzie to remain in production forever.  Announced in 1908, the machine that put the world on wheels was destined to notch up just over 15 million sales before Mr. Ford accepted the fact a new model was vital and essential.

     “Sixty-four today and the biggest job of my life is ahead”  Ford exclaimed as work began on the Model A,  which was given the designation as the first car ever produced by his company , back in 1903.  Believe it or not Ford Model T production ended nearly six months before the first of the newcomers was delivered : the hiatus appearing all the more extraordinary when you appreciate was then a one model automotive car company.  In terms of cars for sale; the immense River Rouge plant built nothing for the almost a half of 1928.

      Although far more complex than its predecessor , the parts count was 40 % higher, and most of these automotive  components were new -  the Model A is a miracle of simplicity by today’s modern standards – mechanical and of course electronic.  Today’s vintage classic car fans appreciate the fact the Model A was designed to be fixed by blacksmiths of what was then the outback wilds of North Dakota.  Key features of the Model A vehicle included a traditional frame-type suspension, transverse leaf springs, front and rear hydraulic dampers, a conventional ignition system, a safety-glass windshield, and a brake for each wheel.  Like the Tin Lizzie, the newcomer was offered with an assortment of two door and door bodies, from a roadster and phaeton to sedan and taxi.  Prices started at £ 460 in 1928.

       It has been said about driving a Ford Model T that the driver should forget almost everything that they know about and are familiar with driving.  For a driver sitting at the wheel of a Model T it is as if he is a driving novice.  The only thing rather conventional about the setup for driving a Model T is the steering wheel.  Not so with a Ford Model A.  Anyone who can handle a standard manual transmission with proficiency need have no qualms about driving the Model A.  The 3.3 liter engine’s four cylinders provide strong torque at very low engine revs, so there is no need to work up on down the three speed transmission.  When one does, the shift’s silent simplicity will make you wonder why a vintage Bentley’s “cogs” can be so difficult to master.

       The Ford Model A can maintain a cruising speed of 50 miles and hour with top bursts to a maximum of 65 miles per hour.  This is all the more amazing when one considers that the engine is a 40 horsepower 4 cylinder engine running at 2200 revolutions per minute (rpm).
        
          The Model A was remarkable in that it set a new standard with high quality that provided  a rugged , more than reliable and characterful motoring , in an economical fashion all in return for more than  a sensible amount for purchase price of an automotive product of its time from the market leader of its day  - The Ford Motor Company.



Statistics - Auto Safety


Statistical Facts:

• Rollover crashes kill one of every four people who die in automobile accidents (1).

• Rollovers tend to occur when a vehicle runs off a road and turns over at least on its side (1).

• Sport-utility vehicles account for 17 of the 20 vehicles with the greatest risk of rollover (1).

• Three SUVs, the Chevrolet Tracker, the Suzuki Vitara and the Toyota RAV4 are most likely to roll over in more than four of every 10 accidents (1).

• The least likely SUV to roll over is the Ford Excursion (1).

• The vehicles that are least likely to turn over are the Bentley and Rolls-Royce, possessing a 1% chance of rolling over in accidents (1).

• Minivans can be expected to roll over 10% to 17.9% of the time in an accident (1).

• The 2005 Ford Explorer Sport Trac has the greatest chance of roll over out of SUVs in a single vehicle crash at 34%. The 2005 Chevrolet Tahoe 4-DR and the 2005 GMC Yukon 4-DR have a 28% chance of rollover in a single vehicle crash (2).

• The 2005 Chrysler Pacifica 4-DR wSAB and the 2005 Ford Freestyle 5-DR have the smallest chance of rollover out of SUVs in a single vehicle crash at 13% (2).

• The 2005 Ford Ranger 2-Dr, the 2005 Ford Ranger

Extended Cab, the 2005 Mazda B-Series Extended Cab and the 2005 Mazda B-Series 2-DR have the greatest chance of rollover out of pickups in a single vehicle crash at 30% (2).

• The 2005 Chevrolet Silverado 2-DR, the 2005 Chevrolet Silverado 4-DR, the 2005 GMC Sierra 2-DR, and the 2005 GMC Sierra 4-Dr have the smallest chance of rollover out of pickups in a single vehicle crash at 15% (2).

• The 2005 Ford E-150 has the greatest chance of rollover out of vans in a single vehicle crash at 29% (2).

• The 2005 Nissan Quest Van w SAB has the smallest chance of rollover out of vans in a single vehicle crash at 12% (2).

• The 2005 Pontiac Vibe 4-DR, the 2005 Subaru Forester 4-DR wSAB, the 2005 Toyota Matrix 4-DR, and the 2005 Toyota Scion xA 4-DR Hatchback have the greatest chance of rollover out of passenger cars in a single vehicle crash at 15% (2).

• The 2005 Mazda MiataMx-5 Convertible and the 2005 Mazda RX-8 4-DR wSAB have the smallest chance of rollover out of passenger cars in a single vehicle crash at 7% (2).

• There are nearly 2 million injury-causing automobile crashes each year (3).

• The majority of injury-causing automobile crashes are either frontal or side crashes (3).

• More than 10,000 people die each year in rollover crashes (3).

• Safety belts can reduce the chance of being killed in a rollover by 75 percent (3).

• The purpose of safety belts is to keep a person inside of a vehicle and reduce the risk of hitting the steering wheel, dashboard, or windshield (3).

• The Anti-lock Brake System prevents the wheels of a vehicle from locking, enabling the driver to have greater steering control (3).

• Electronic Stability Control (ESC) helps allow drivers to control their vehicles during extreme steering maneuvers (3).

• A tire is severely underinflated if its pressure is 25 percent below the vehicle manufacturer’s recommended tire inflation pressure (3).

• Frontal air bags do not eliminate the need for safety belts and typically do not offer protection for rollovers, side-impact, or rear-end crashes (3).

• More than 5,000 people are killed each year in large truck-related crashes (4).

• More than 110,000 people are injured in large truck-related crashes each year (4).

• Fatalities among motorcycle riders have increased by more than 89% since 1997 (5). 

• Motorcyclists are about 21 times as likely as passenger car occupants to die in a traffic crash and four times as likely to be injured (5).

• Motorcycle helmets reduce the risk of death by 29% and are 67% effective in preventing brain injuries for motorcycle riders (5).

• Motor vehicle crashes are the leading cause of death for all Americans ages two to 33 (6).

• 117 people are killed daily in motor vehicle crashes (6).

• Over 500 children under the age of four, 487 children between the ages of four to seven and more than 1,600 children ages eight to fifteen were killed in motor vehicle crashes (6).

• Occupant rollover deaths accounted for 10,553 fatalities in 2006 (6).

• SUV rollover deaths increased by nearly ten percent between 2005 and 2006 (6).

• Motorcycle deaths have increased by 89% since 1997 and by 8% since 2005 (6).

• More than half of those killed in motor vehicle crashes in 2004 were not protected by a seat belt (6).

• Motor vehicle crashes cost an estimated £230 billion annually in property and productivity loss, medical and emergency bills and other related costs (6).

• Every American effectively pays a crash tax of £792 each year to cover the cost of motor vehicle crashes (6).

• Seat belts are credited with preventing 11,900 deaths and 325,00 serious injuries annually (6).

• 55% of passengers who were killed in automobile accidents were not wearing seat belts (6).

• The use of belt-positioning booster seats lowers the risk of injury to children in crashes by 59% compared to the use of vehicle seat belts (6).

• In over 5,000 child passenger deaths more than 60% of the children who were killed were riding in the car driven by an impaired driver (6).


Cited Sources:

1. Stoller, Gary (2000). Formula Predicts Rollover Risk. Retrieved on May 18, 2006 from http:www.autosafety.orgarticle.php?did=779&scid=175

2. National Highway Traffic Safety Administration. (2005). Model Year 2005 Rollover Ratings. Retrieved May 18, 2006 from http:www.nhtsa.dot.govcarstestingNCAPRollRatings2.cfm

3. National Highway Traffic Safety Administration. (2006). Buying a Safer Car. Retrieved on May 18, 2006 from http:www.nhtsa.dot.govcarstestingNCAPBASC2006index.htm

4. Public Citizen. (February 2006). Trucker Hours-of-Service Rule Creates Hazard, Allows Drivers on Road for Too Many Hours, Safety Groups and Teamsters Tell Court. Retrieved on May 18, 2006 from http:www.saferoads.orgpresspress2006HOSpressrelease022706.pdf

5. Advocates for Highway and Auto Safety. (2005). Fact Sheet: Motorcycle Helmets. Retrieved on May 18, 2006 from http:www.saferoads.orgissuesfs-helmets.htm

6. Advocates for Highway and Auto Safety. (2006). 2006 Roadmap to State Highway Safety Laws. Retrieved on May 18, 2006 from http:www.saferoads.orgRoadmap2006.pdf



Learn More About Auto Insurance Facts


With so many choices currently available in the auto insurance market, it can be quite difficult to know which products to choose. Understanding some basic facts about the insurance market can help you to make informed decisions. Following are five facts that you need to know about the auto insurance market.

1) Premium Plan - Is it worthwhile? It is now possible to purchase a deluxe insurance package that includes new car replacement and accident forgiveness among other services. You will pay heavily for these add-ons, so be sure that you understand exactly what you are getting. You may be able to get similar benefits without purchasing the premium insurance.

2) Shared Market versus Nonstandard Market - Drivers with below average driving records should shop extremely carefully for auto insurance. Shared market insurance companies are regular insurance companies that share the risk of poor drivers. Consequently, their rates are rather high. A new entrant to the auto insurance business is the Nonstandard market. This market consists of a series of specialty companies that exist solely to insure nonstandard drivers and competition keeps their rates somewhat lower.

3) Most and Least Expensive Cities in America for Auto Insurance in 2006 - The least expensive city in America was Roanoke, VA. There the average annual premium was only £912. The most expensive was Detroit, with an average of over £5,800. While you cannot plan a move based on insurance prices, knowing the insurance market as well as other cost of living concerns can help you decide between two comparable cities.

4) Downtown is the most expensive - As you may already know, auto insurance rates are always higher in cities than they are in small towns and suburbs. What you may not know, however, is that even within a city your zip code matters. Simply choosing a home in a more residential portion of the city rather than downtown may save you hundreds of pounds.

5) Purchasing auto insurance is a numbers game - It is entirely possible that you will pay for auto insurance for years and never need to use the policy. However, it is equally possible that you will need your insurance as soon as you drive off the lot. You cannot predict all things that could theoretically happen to your vehicle. Hence the necessity of playing the numbers game. Look over your budget and think through what would happen if you had an accident. Also determine how much you can realistically spend each month. Then shop around to get the best insurance for the money you can afford to spend. Be sure to consider varying deductibles.

There are so many options available in today’s auto insurance market that it would be quite time consuming if not utterly impossible to make the “perfect” choice. However, understanding the market and the variables over which you have control will assist you in making a smart decision. Take the time to consider your options and you will find auto insurance that works well for you.



Is It Time To Reconsider Your Automotive Insurance Policy?


Americans are a busy group of people, and once we take care of something, such as purchasing automotive insurance, we tend to forget about it and move on to the next task. However, purchasing an automotive insurance policy only to neglect it could end up costing you more money in the long run, or even leaving you unprotected. There are times in our lives when we need to stop and evaluate our current automotive insurance policies.

Reconsider your automotive insurance policy when you get married. When two people get married, they can get an automotive insurance policy together, thus spending less money and possibly even getting additional discounts.

Reconsider your automotive insurance policy if you purchase a new car. If you’ve borrowed money from a lender to purchase your new car, chances are your lender will require you to purchase full coverage insurance. Even if your lender doesn’t, your state most likely will. If your automotive insurance policy only covers liability because you own one of your cars, or the car you traded in, you need to increase the coverage of your automotive insurance policy.

Reconsider your automotive insurance policy if you relocate. If you currently live in a quaint little country town that sees very little wrongdoing aside from the occasional cow-tipping, you probably don’t have a very high amount of automotive insurance. However, if you’re moving to a larger city with a higher crime rate, your car will be more at risk and you should make sure you add the extra coverage.

Reconsider your automotive insurance policy if you’re getting on in years. Most insurance companies offer discounts to policyholders who are a certain age – usually 55 years old. If this is you, give your agent a call and find out about discounts you may qualify for.

Remember, certain tasks are worth completing and forgetting. Taking out the trash is one of them; purchasing automotive insurance is not.



Here Is A Method That Is Helping Automobile Enthusiasts Connect With The World


For decades we have seen the national auto shows, where the major manufacturers roll out their new models and a few flashy "prototypes" that will never see an assembly line. Then there are the rod and custom shows, populated thirty years ago by twenty- and thirty-somethings and filled these days with middle aged and older auto enthusiasts who still love classic American cars, both stock and in all the different permutations of customization they have gone through over the years.

And of course there's the Concourse D'Elegance crowd, oohing and aahing at priceless Ferraris from the fifties and sixties as well as the older exotics such as Packards and, going even further back, Hispano-Suizas and Auburns.

For those who lived American Graffiti and those who live for the foreign classics, if you're involved at all in building, maintaining or participating in the fellowship that has built around classics and exotics, you should consider utilizing a website.

First of all, it's a great way to show off your car or cars, whatever you've got in the garage that is carefully driven once a week and towed, gleaming, to car shows. Secondly, it's a communications device for like-minded collectors or builders that may be interested in your specialty - whether old Corvettes or sixties Alfa Romeos. There are current web sites for national and regional organizations as well as a number of sites that specialize as classified advertising for scarce auto parts.

A personal site, however, is going to give you a far different type of interaction with your fellow wrench addicts. Instead of searching impersonal national websites for parts or people with similar interests, you can use your site to bring them to you. Proper use of keywords and perhaps a classified ad or two online will bring potential contacts to you personally, and there they will find a site with photos of your car(s), your shop and a little history about your involvement.

You don't have to find contacts like that at shows or in pulp publications for parts and project cars. A properly designed site for a car enthusiast that elaborates on his area of interest and the history of his cars will give that person a potentially national social role in the company of his peers, just as the kids are using MySpace to communicate.

You can advertise for parts, show vehicles for sale - with unlimited photos and videos, if you wish - and put the word out for a car you might be seeking for your next project. This approach will also limit your needs for entering ads in national locations. All you need to do is mention "55 Chevy for sale at www.old55.com" or whatever your site address is, and the interested parties will come to you. No more details listed in long paragraphs done in tiny print - and no more photos of your car on a page or in a lineup of dozens of other vehicles.



Jumat, 21 Juli 2017

Get Cheaper Car Insurance in 2017


Do you want to save hundreds on car insurance in 2017? Don’t waste your time doing it the old fashion way. We can help you compare multiple cheap car insurance quotes within minutes. The information we provide will help you make the best choice when choosing the right car insurance for your needs.

Why we Need Car Insurance

Car insurance is necessary for a number of reasons.  
The main reason is that most states require it. Even states that don’t require the purchase of car insurance require proof of financial responsibility.  
The cost of repairs for even minor accidents is usually thousands of dollars.  Many uninsured drivers cannot afford to repair damages to their vehicles.
The risk of bodily injury, or even death, when the other driver gets angry after being hit by an uninsured vehicle.

Why some cars cost more (or less) to insure than others

Insurance companies charge varying premiums for different car models. Here are some of the vehicle characteristics that affect the cost of insurance:

Retail price — Generally, the pricier the car, the more expensive it will be to insure. Assuming you buy comprehensive and collision coverage, the insurance company will be on the hook to pay out the car’s market value if the vehicle is stolen or wrecked beyond repair.
Cost of parts — High-end models such as sports cars often use parts made from carbon fiber and other specialized materials that are expensive to repair, which drives up the cost of damage claims.
Safety — Over time, cars that do a good job of protecting drivers and their passengers bring down insurance costs. Fewer injuries means fewer claims for medical payments and personal injury protection.
Typical driver — Vehicles that tend to attract safe drivers — think minivans — are generally cheaper to insure. Safer driving means fewer wrecks, which translates into fewer claims for injuries and property damage.

Types of auto insurance coverage

Getting the best auto insurance policy isn't just about the lowest price. It's also about finding the right coverage, so you'll be financially protected if you get into an accident.

Here are the categories of coverage available:
1. Liability insurance

This insurance is required by law throughout some country. It covers the costs associated with damages caused to another person or vehicle in an accident, including medical bills, rehabilitation, lost earnings, legal fees, and other expenses up to the limit of your policy. As a practical matter, you'll want enough insurance to cover a judgment against you in a major accident so that your personal assets won't be put at risk.

2. Emergency road service

ERS insurance provides you with roadside assistance in the event of a breakdown or mishap while you're out driving. It also covers the cost of getting your car back on the road. Those costs may include light mechanical labour, an oil or gas delivery, new batteries, a boost, tire changes, locksmith services, or even a tow. With help on the way, ERS takes the stress out of a breakdown.

3. Comprehensive insurance

This type of auto insurance covers damages resulting from incidents that aren't related to car accidents or collisons. Comprehensive coverage often includes hazards like extreme weather, vandalism, falling objects, fire, theft, and flooding.

4. Collision insurance

Collision insurance covers damage to your car in the event of a vehicle rollover or a collision with another vehicle or object. If your car is totalled, collision insurance will pay the cost of replacing it.

5. Uninsured motorist coverage

Covers costs related to your injury or death after an accident caused by another driver who's either uninsured or unidentified, as in the case of a hit-and-run driver. Keep in mind that this coverage only pays for damage to your vehicle if the uninsured driver is also identified.

6. Direct compensation property damage 

Available only in New Brunswick, Nova Scotia, Ontario, and Quebec, DCPD covers your car for losses and damages after an accident that you weren't entirely responsible for. But the other driver has to be identified, insured, and found to be at least partially at fault.

7. All-perils insurance

Provides protection for you against all types of perils except those specifically excluded from your policy.

8. Accidents benefits coverage

Provides you with medical care and income replacement benefits if you're injured in a car accident.

9. No-fault insurance

Deal with your own insurer regardless of who's at fault in an accident. With no-fault insurance, you don't have to pursue the other driver's insurance provider to get compensation. Your insurer will pay for your benefits, so your medical bills get covered and you can get back on the road.

10. Specified perils

This type of auto insurance only covers the perils named in your policy, and it generally includes commonly occuring hazards such as fire, theft, hail, and windstorms. Specified perils is often purchased as a cheaper alternative to comprehensive insurance.

Tips to Get Cheap Car Insurance

No matter who your auto insurance company is, here are tips for saving on your policy:
1. Look for discount

even ask for them. There could be discounts you’re not taking advantage of. For instance, maybe you now work from home and are driving less than when you bought your policy. Mention it and you might get a low-mileage discount.
2. Rethink your insurance limits and deductibles. 

Don’t strip away your coverage just for the sake of a lower price. But consider accepting a higher deductible on collision and comprehensive if it makes sense. Raising deductibles means you would owe more out of pocket if you had to file a comprehensive or collision claim. If you rarely drive or are financially comfortable with that risk, though, it’s a surefire way to get cheaper car insurance.
3. Cash in on major life changes. 

Certain life events could translate to cheaper car insurance. For instance, many companies offer a lower rate for married couples or domestic partners. Or perhaps you moved to a new city with stellar public transportation. If you’re commuting by train instead of car, your risk for accidents will go down — and your rates just might, too.

Facts About Car Insurance

Regarding states where liability insurance is required, some states don’t let drivers register vehicles without showing proof of liability insurance, while other states only require proof of insurance upon request, usually at the scene of an accident.

To work out annual rates on car insurance, carriers process decades of traffic information into actuarial tables that give claim adjustors an overview of the probability of just about any traffic-related occurrence.

According to the National Association of Insurance Commissioners (NAIC), the ten most expensive states for buying auto insurance (as of 2012) were New Jersey, DC, New York, Florida, Louisiana, Delaware, Michigan, Rhode Island, Connecticut and Massachusetts, in that order.  The ten states with the least expensive auto insurance rates were Idaho, South Dakota, Iowa, North Dakota, Maine, Wisconsin, North Carolina, Nebraska, Wyoming and Kansas, in that order.

Calculations were based on a hypothetical 26-year-old male with no accident history, insuring a new Toyota Camry, and assuming liability limits of 100/300/50, with a $500 deductible.   That means $100,000 in coverage against personal injury to the driver, $300,000 in coverage against injury to other people, and $50,000 in coverage against property damage.

Other location-related factors with a significant impact on car insurance premiums include urban population, traffic density, and per capita income.  State laws, auto repair costs, liability coverage requirements, theft rates, and other factors can also affect the cost of auto insurance.

According to recent reports from the NAIC, the average annual expenditure for auto insurance in the United States was $814.99 in 2012.  South Dakota had the cheapest average annual cost at $556.51, while New Jersey was the costliest state for car insurance, with an average annual expenditure of $1,219.93.

In 2014, the U.S. cities with the nation’s highest average annual premiums were Detroit (MI), New Orleans (LA), Grand Rapids (MI), Newark (NJ), Baton Rouge (LA), Hialeah (FL), Jersey City (NJ), Louisville (KY), Miami (FL), and Philadelphia (PA).

Over the same time period, six of the nation’s ten least expensive cities for car insurance were located in North Carolina.  The ten cheapest cities for car insurance premiums were Winston-Salem (NC), Greensboro (NC), Raleigh (NC), Durham (NC), Charlotte (NC), Boise (ID), Rochester (NY), Fayetteville (NC), Spokane (WA), and Montgomery (AL).

The average annual premium for car insurance indicates the amount consumers actually spend per vehicle, as opposed to the average cost of premium packages offered by the insurance companies.  Different states have different minimum requirements for auto insurance.
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