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The truth about fallacies of many car owners believing that the insurance premium coverage for their new car is covered, and maybe the truth just might make you change course.
(1) “No-fault insurance means, is it not my fault?” That means that your insurance company pays for your damages regardless of who’s at fault. No they don’t!

(2) “Can the color of my car affect my insurance rate?” No!
What do influence your rate are your vehicle’s year, make, model, body type, engine size, credit history and driving record.

(3)”If I lend my car to a friend and that friend is in an accident, his or her insurance company will pay for the damages…right?” Wrong!

Your car is your responsibility! And guess what, even though you weren’t present at the time of the accident, you still will receive a mark on your insurance record and your insurance premium could possibly go up.

(4) “Is my insurance rate is set by the government?” No!
The government has nothing to do with your car insurance rate. Where you live, your credit score, marital status and your driving record is what actually affects your premium.

(5) “I recently paid my insurance premium. Is my new car I just purchased is covered?”

Not necessarily. Most automobile policies require that the policyholder notify the insurance company or agent within a specified number of days, if indeed coverage is desired for the newly purchased vehicle.

(6) “Is it a fact that male driver under the age of 25 pay more for auto insurance?” Yes! Male driver under 25 years old can potentially pay more for car insurance than female drivers. However, across the board, teenagers and mature adults pay more for auto insurance, due in large part because these age groups are typically involved in more automobile accidents.

(7) “Can my credit score have any affect on my insurance rate?” Your credit score really does matter! Many Insurance companies take your credit score into consideration when deciding to increase or renew your auto insurance coverage.

(8) “Even without comprehensive coverage, am I still covered for theft, windstorms, and hail and deer accidents?” Many drivers believe that if they only purchase collision insurance, which covers accidents involving objects, that they will also be covered for incidents that involve vandalism, hail, animal accidents and fires. That simply is not true. You need to purchase both collision and comprehensive coverage in order to fully protect your vehicle from all of these situations.

(9) “Can my personal auto insurance cover both my personal and business use of my car?”

If you occasionally use your personal car for business purposes such as transporting clients, going to and from meetings or hauling business equipment, then you will more than likely need to extend your personal car insurance to cover your business use as well. Plus, if your employees use their car while working for you, you will want to also obtain a separate non-owned car insurance policy.

(10) “I’ve never had nor been involved in a car accident, do I still need automobile insurance?” Yes!

Some drivers are lucky enough never to have been or to be involved in an accident. However, if by chance you do have an accident; your risk of losing everything is great. Car insurance is the best protection you can have in the event an automobile accident occurs. It’s also a legal issue – you are required, by law, to have some basic form of auto insurance, and failing to do so carries some fairly strict punishments.

1. Know a little about pricing before you buy a used car. Franchise dealers that sell used cars add a certain percentage on the original value of the used car in the market. Markup is also added to the price of the used car at dealerships, which will make the price higher.

2. Determine the many factors that affect the used car prices. Used car pricings are affected by installed optional equipments or the location where you are buying the used car. There are areas that have a high market demand for a certain car. If that is the case, you may get a better deal if you travel outside of the zone to shop around for your car.

3. Find the used car’s true market value at NADA. National Automobile Dealer’s Association releases a copy of used car price guides every year. You may also check their web site to check the current prices of the used cars you are looking for.

4. Cheaper used cars may be found at government auctions. Government auctions happen every year and you may want to check out a checklist of the auction program. It may also offer you guidelines on finding quality used cars at lower prices. You may visit Federal Citizen Information to find out the guidelines in buying used cars from government auctions.

5. Check out the Internet. There are a lot of web sites that provide pricing guides on used cars and also guidelines in finding the right used car for you. You may compare prices; check out the features of the used car and the location where you can buy cheaper prices.

6. Determine if you have a fair deal with the price that is offered to you. Factors that affect used car prices include the age, market demand, overall condition, mileage, interior and exterior blemishes or if the car was maintained well.

7. Beware of trade tricks. Many dealers strategize on the behavior of consumers when buying used cars. Dealers know that buyers will not purchase a used car unless they feel that they are offered a price lower than the original price. Dealers tend to make the price higher than the actual amount and make the buyer believe that they are offering a discount. What the buyer does not know is that the discounted price is actually the original price of the car.

If you love sheer power, and you want a car that produces 1,000 bhp, you now have three to choose from – and that is without going to the tuners like Ruf ofr Callaway, who will get this much power from engines that are currently in the 500- 700 bhp range. The tjree in the 1000 bhp club are the Bugatti Veyron 16.4, the Bristol Fighter T, and the Koenigsegg CCXR. Theoretically, these are all good for 250 mph in theory, but not in practice.

First on the scene was the Bugatti Veyron 16.4, the world’s fastest and most powerful exotic car, with a top speed of 248 mph.

Engineering masterpiece

The Bugatti Veyron 16.4 is quite an engineering masterpiece, with a W-16 8.0 liter cylinder engine mid-mounted driving through a seven-speed semi-automatic gearbox to all four wheels – four-wheel drive is definitely a good idea with this amount of power.  Not only is it immensely fast, but with four-wheel drives it is very stable. It has ceramic brake discs and an air brake to help you slow down from over 125 mph.

A very surprising addition to the 1,000 bhp plus club is the Bristol Fighter T, which has an engine developing 1,012 bhp, just 11 more than the Bugatti! This is a front-engine, rear-drive car designed for high-speed touring.

To be precise, the V-10 engine in the Fighter T whacks out 1,012 bhp at 5,600 rpm. Bristol says that the top speed of the car is around 270 mph, but it has a limiter at 225 mph, which is just 4,.500 rpm in top! Not many will be made, making this a really exotic car.

Acceleration is not as good as you might expect – or maybe it is just modesty at Bristol Cars – at ‘under 3.5 seconds’ whereas the Bugatti Veyron is well under 3 seconds. The difference is largely academic – like the top speeds – but a mid-engined four-wheel drive car will accelerate more quickly than a front-engined rear-drive car. The Bristol Fighter just doesn’t have enough weight on the rear wheels to get under 3 seconds.

Twin turbo V-10

How did they get this huge amount of power? Well, like the other Bristol Fighters, the T has a tuned Chrysler V-10 engine of 8 liters. For the Fighter T they have added a pair of water-cooled turbochargers to almost double power so they could exceed that magic 1,000 bhp figure, getting 1,012 bhp at 5,600 rpm, with 1,036 lb ft (1,400 Nm) of torque at 4,500 rpm. That is quite a high speed for maximum torque, but the engine still produces a massive 800 lb ft (1,080 Nm) of torque from 3,000 rpm, upward.

The Bristol Fighter S has a top speed of over 200 mph, partly owing to good aerodynamics, but The Fighter T is an absolute stormer with a power-to-weight ratio of about 600 bhp per ton and a top speed of well, you name it!

Koenigsegg CCXR runs on ethanol

Now, along comes Koenigsegg with the Koenigsegg CCXR, based on the CCX supercar, but now this version is able to run on ethanol  biofuel – E85.  Because ethanol has an octane rating of over 100 RON – like racing fuel in the 30s – it gives more power than gasoline, as Saab has demonstrated.

In the Koenigsegg CCXR, power is up from 806 bhp – more than enough for almost everyone – to 1,018 bhp! Peak torque is an incredible 780 lb ft (1,060 Nm) at 6,100 rpm. That’s 25% more power.

With ethanol, power increases of 15-25% can be obtained for any engine so long as it is optimised with high compression ratio and other changes. In other words, don’t just pull up at a gas station, put ethanol in your tank and get 20% more power. It doesn’t work unless the engine is designed to run on it.

But that is not so difficult to do, and with George Bush trying to get more ethanol used in the USA, expect more to follow this route. After all, almost everyone loves power, even if they drive a car that is not very fast.

John Hartley is editor of http://www.fast-autos.com, an online magazine devoted to fast cars and supercars, where you can read the latest articles about fast cars. He has written from many of the world’s top auto magazines, and has written many books about cars and the auto industry, including ‘Suspension and Steering Q&A’ and ‘The Electronics Revolution in the Motor Industry’.