What is auto insurance..?

Why do you need auto insurance and how is it?

which is better? How to calculate the cost of auto insurance? What is the cost of the policy?

Car insurance is an insurance contract, according to which the insurance company reimburses all expenses of the owner of the car in case of theft or damage to it. What is auto insurance for? Car insurance covers all types of risks for car owners. Car insurance is an insurance contract, according to which the insurance company reimburses all expenses of the owner of the car in case of theft or damage to it. What is auto insurance for? Car insurance covers all types of risks for vehicle owners. Types of auto insurance At this time there are several types of auto insurance:

CTP is a mandatory type of civil liability insurance of the vehicle owner. Protects the owner of the car from independent payments to victims in the event of an insured event. Therefore, CTP compensates the damages caused to the life and health of the victims.

CASCO is a type of voluntary insurance, which provides only vehicle insurance. CASCO does not include passenger insurance or property transported.

DSAGO is a type of voluntary civil liability insurance for vehicle owners. Most of the time it acts as an additional insurance contract.

How to calculate the cost of auto insurance..?

Each insurance company has its own ways to determine auto insurance rates. Not only the insurance calculation methods are different, but also the owners of the cars, their car brands, their driving experience, the storage conditions of the insured vehicles. All these factors affect the cost of insurance. To calculate the actual insurance cost, use the insurance calculator.

What is the cost of the policy..?

The cost of an insurance policy is affected by the technical condition and equipment of a vehicle, the category of the vehicle, the capacity, the age of the vehicle, the brand, the number of people authorized to drive, storage conditions and the terms by which the car owner wishes to enter into an insurance contract.

Pros and cons of auto insurance..?

Drivers who have signed mandatory and voluntary insurance contracts can eliminate the risk of additional expenses in the event of an emergency. In the case of an accident, the insurance company assumes the reimbursement of expenses that arise within the amount of compensation previously agreed upon. The disadvantages of auto insurance can be called the need for additional expenses.

Where to find the best solution..?

In relation to the increase in the number of motorized vehicles, the situation on the roads is becoming more complex, the number of inattentive and inclined drivers to emergency driving is increasing. The result of these changes are daily emergency reports, difficult situations, wrinkled cars and human sacrifices. At this time, car insurance is the only way in which the owner of a vehicle can be protected from financial problems in the event of an accident, domestic and criminal situations or natural disasters.

If you are interested in this article, share it with your friends and family

thank you

In case of an accident ? What should I do…

1) Immediately call the police, or in your case the ambulance at number 911.

2) Obtain the police report (Do not withdraw from the scene until the police officer indicates it)

3) Listen to Information about the other person:

Name, Address, Phone.
Description of the car.
Name of the insurance company and policy number

4) Obtain information from witnesses who witnessed the accident.

Name, Address, Phone.

5) Inform our Insurance Company to the Telephone (Free):

6) Inform your agent.


take into account that it is a requirement and conditional part of the insurance contract, to inform the insurance company immediately when any loss occurs. In case of failure to report the accident in a timely manner, the Company may decline coverage and reject the claim.

The 10 fastest cars of 2018

There are many criteria to measure the performance of the vehicle. For the fastest car in the world, speed is the main criterion. We present you the 10 fastest cars in the world. Basically these are sport models, as fast as expensive.


 Noble M600 – maximum speed of 362 km / h

Price – 330 000 dollars. The elegant body of the British supercar draws attention immediately, it is made of stainless steel and carbon fiber. With its four-cylinder engine and 4.4 liters with 650 hp. The car is capable of squeezing 362 km / h in the limit. However, they only risked accelerating to 346 km / h, as the driver felt very strong vibrations when driving.


 Pagani Huayra Р370 km / h

The maximum speed – 370 km / h. The market value is $ 1.27 million. The next fastest car classification number is a beautiful Italian supercar, created from carbon fiber. It is equipped with a six-liter V12 engine from Mercedes-AMG with 720 horsepower. Last year, at the Geneva Motor Show, automaker Pagani showed the Huayra BC, lighter and more powerful than the standard Huayra. Its engine was improved to 789 hp. while the total empty weight has been reduced to 1199 kg. This is comparable to the weight of the new Honda Civic Coupe, but the Huayra is five times more powerful.


Zenvo ST1 – 375 km / h

The maximum speed is 375 km / h. Cost – 1,22 million dollars. One of the few Danish hypercarts is also one of the fastest cars. Mounted in Zealand, the Zenvo ST1 shows the height of Danish engineering excellence, as the car combines a 6.8-liter V8 engine with a supercharger and a turbocharger, with 1205 hp. ST1 is capable of reaching 375 km per hour in the presence of an immaculate road, but it is important to bear in mind that its maximum speed is electronically limited. Without digital nannies on board, the ST1 can be even faster. Launched a circulation of 15 units and is unlikely to see it on the roads of Europe and America


McLaren F1 – 386 km / h

It sells for 970 thousand dollars. Car with a unique interior design. Its authors are Gordon Murray and Peter Stevens. The driver’s seat and the steering wheel in the McLaren F1 are in the center of the cockpit. At the end of the 20th century, McLaren F1 received the title of “the fastest car in the world” and kept it until 2005. The iron heart of this handsome British man is the V12 engine with 627 horsepower.


Koenigsegg CCX – 405 km / h

Reaches a speed of 405 km / h. Cost – 545,568 dollars. This Swedish model has received many awards, including Top Gear Power Laps. Top Gear presenter Jeremy Clarkson rode the CCX and praised the car a lot, but he did not like the lack of downforce. Clarkson said that the lack of a rear wing is the fault. This was also announced later by the Top Gear driver, Stig, who smashed the CCX and suggested that the car would be more stable with a rear spoiler. In 2006, Koenigsegg presented a version of its supercar with an optional rear carbon fiber spoiler. However, with it the speed drops to 370 km / h.


9ffGT9-R – 414 km / h

The highest speed – 414 km / h. The buyers will cost 695 thousand dollars. This supercar, its exterior similar to the Porsche 911, created the German 9ff tuning company. For motorists, the design provoked an ambiguous reaction: in the reviews there is admiration for the beauty of the car and the criticism of the “ugly headlights” and the body that is too long. One of the main differences with respect to the usual 911 is the location of the four-liter Twin Turbo engine with 1120 hp. All 911 models in the history of Porsche (with the exception of the Porsche 911 GT1) have the engine in the rear, while the GT9 is a central engine for a better distribution of the


SSC Ultimate Aero – 430 km / h

Theoretically achievable speed – 430 km / h. Offered for 655 thousand dollars. The American of Shelby SuperCars (SSC) was the king of the automatic speed of 2007 to 2010, surpassing to the version Veyron of Super Sport. It even reached the Guinness Book of Records in 2007 with an astonishing 412 km / h. The 6.3-liter Twin Turbo V8 engine with 1287 horsepower helped achieve this record. The driver does not have electronic assistants to help control this power. Therefore, the car promises a pleasant experience for those who have a great driving experience, or an almost certain death for reckless drivers who do not have that experience.


Bugatti Veyron Super Sport – 431 km / h

The declared speed is 431 km / h. When the Volkswagen company bought the Bugatti brand, it had one goal: to produce the fastest production car in the world. The original Veyron achieved this goal, but was soon deposed by SSC Ultimate Aero. Therefore, Bugatti is back with Super Sport. It has an 8-liter W16 Quad Turbo engine that produces 1200 hp, as well as numerous aerodynamic changes designed to help earn several additional kilometers per hour. The cost of this luxury car is $ 2.4 million and, despite such a high price, the demand for cars in the car market is very high.


Hennessey Venom GT – 435 km / h

In 2014, tests conducted at the Kennedy Space Center managed to accelerate the coupe to 435 km / h in a single race. This speed dream, built into a carbon fiber body (except doors and roof), is equipped with a 7.0-liter V8 engine. Turbo double turbo with 1244 horsepower.


Bugatti Chiron – the fastest car

The fastest car in the world is 2018 and possibly 2019 (next year, Bugatti plans to set the speed record with the help of Chiron). His photos and specifications were declassified only at the Geneva Motor Show 2016. This luxury two-seater was developed after the success of the Bugatti Veyron, which is considered one of the fastest and most expensive cars in the world. The Bugatti Chiron is equipped with a 16-cylinder engine and its 1500 horsepower that run from 0 to one hundred kilometers in 2.5 seconds. Although Chiron is built like a race car, you do not have to be professional to drive it. The car is designed to automatically adjust the gear as the speed increases or decreases, ensuring optimum performance.

if you liked this article share it with your friends and family
Thank you

The history of the first car.

According to the information presented on my website, the first car in the world was with a steam engine. Of course, this unit can and can be called a car, but something does not turn. Under the concept of a car, I associate a vehicle compact enough, easy to handle and to some extent reliable. All these definitions are clearly not suitable for nineteenth-century automobiles. In addition, it is necessary to organize mass production of cars so that they are available for use by a wide range of people. What can not be said exactly about those instances of pieces, well, except some. So let’s try together to find the answer to the question: who invented the first car?

Daimler and Benz, as the founders of the automotive industry.

Time passed, and the cars did not change. We can say that the evolutionary process in this industry has stagnated. As the internal combustion engine was invented here and in 1885, the first car, the Karl Benz tricycle, appeared before the world. The car was quite modest, it was a kind of invention of Kulibin, which was only driven not by a muscular force, but by a gasoline engine. Almost at the same time, Gottlieb Daimler invented a bicycle with an engine and, a year later, a “car” with a motorized thrust.

For the record, the first truck equipped with an internal combustion engine and a charging battery appeared in 1896. The analog with a diesel engine saw the light only in 1923. With the development of the automotive industry, as well as the cheapest production , trucks and more powerful charging batteries have also gained popularity.

The first car in the world was invented by Karl Benz in 1886. It received public recognition and was launched into industrial production. It was a three-wheeled vehicle, with a 1.7-liter engine, which was located horizontally. From behind, a large steering wheel was very strong. This vehicle was controlled using a T-shaped steering wheel.

At this point, the history of the first car reaches a new level, as Benz was the first to offer buyers a ready-to-use prototype of a modern car, and Daimler was the first to launch a functional automobile engine to the production

A feature of this car was that it used a water-cooled engine. On the other hand, the engine and the steering wheel were positioned horizontally. The crankshaft was open. Through a simple differential, with the help of a belt and chains, the engine starts the rear wheels. The main achievement of the driver’s thought could be considered the use of a mechanically driven intake valve and an electric ignition. Initially, the workload of the engine was only 985 cubic feet. Look, this is not enough even to disperse the car. Therefore, the first cars put on the market were equipped with more powerful engines with a displacement of 1.7 liters and a two-speed gearbox. Over the years, engine power increased 4 times and was 2.5 hp. Therefore, the Benz car developed a maximum speed of 19 km / h. Which is not bad for the first car in the world. However, Karl Benz did not like this, and continued his search. And soon his offspring acted successfully in the then famous races. From London to Brighton Run, with an average speed of 13 km / h. The mass production of the car began only in 1890.

Three years later, “Benz” launched the first four-wheeled cars. Based on a three-wheel design, at that time they seemed too old-fashioned. But, despite their slowness and primitiveness, they were distinguished by simplicity, affordability, maintenance and repair and durability. Later, a two-cylinder version appeared, but, at Benz’s insistence, the initial technical solutions remained virtually unchanged.

In the photos – the model “Viktoria” of 1893. Improvements in the four wheels “Benz” (1892) lasted until 1901. Despite the lack of design, such machines have produced more than 2,300 pieces.

In 1909, the company faced difficulties. Against Benz’s will, I had to assemble a group of French engineers who had designed a more advanced car model. They tried to introduce it into production in 1903, but it all ended in failure, which made Karl Benz forget his ambitions: he proposed a modern four-cylinder inline engine that met the requirements of the new chassis. After the release of this new “hybrid” model, the company’s production slowly climbed the hill.

The first model of Gottlieb Daimler in 1886: an attempt to use the horse drawn carriage as a unit of power. The main mechanical parts are still very primitive, but the single-cylinder engine is the prototype of modern car engines.

Daimler proved to be a more sober and patient designer. Unlike Benz, he did not run forward. Relying on stationary engines, he, together with his partner Wilhelm Maybach, in 1889, created his first functional car “Daimler” and launched it in production in 1895. In addition, at the same time as with automobiles, the company authorized its own engines , to lay the foundations for the launch of the newest models, never before seen, such as the French “Panhard” and the “Peugeot”. In 1889, the first in the history of the automobile capable of reaching a speed of more than 80 km / hour. Its filling was served by a four-cylinder engine with a power of 24 HP. and other technical innovations. This car was very heavy, bulky, uncontrollable and, most importantly, unsafe. In this sense, the company’s additional policy was aimed at making the car lighter and more manageable. Soon there were many people who wanted to have a car like that.

As a result, the well-known model was born, named after his daughter, Mercedes. It was published in the late 1900s and, according to historians, became the prototype of a modern automobile.

if you liked this article share it with your friends and family
Thank you

the safest cars in the world 2018

Several car classifications in terms of reliability, safety, speed and other criteria are quite popular, since they allow buyers to quickly determine the choice of car. The safest cars in the world have a number of features that allow the owner to feel comfortable while driving, even on roads in poor condition and in adverse weather conditions

What factors affect car safety?

Safety is one of the most important properties of vehicles. A number of factors affect safety.

Weight and class. The greater the weight and class of the car, the greater its survival in an accident. Under the same conditions, passengers tied up in the cab in the collision receive much less stress. This figure is particularly high in full-size SUVs and executive-class sedans.

The age of the car.
 The design of the modern body of the car is complemented by power elements, which soften the blow and dampen the speed. The chassis of modern automobiles is particularly durable and is built with high strength steel grades. The adequate space to reduce the damage is maintained even under particularly heavy loads.

Chassis The chassis of a modern automobile automatically stabilizes it when turning and automatically reduces the speed. Of considerable importance are the details. For example, the sensitivity to the direction, the valkost and the location of the center of gravity.

The degree of electronics of the equipment.

Modern electronic systems increase driving safety. Among these systems stand out: windows and mirrors with heating, video review and monitoring of road signs and signaling (which especially helps novice drivers), electronic control of dynamics.

According to tradition, the safest place in the car is the place immediately behind the driver. Statistics also show that the back seat further to the right is a relatively safe place. In any case, it is safer to be in the back seat during an accident. The safety of the seat depends completely on whether the person is sitting. After all, if you hit at high speed, a person can fly forward by inertia. Do not neglect the safety belts.

Leading organizations
Euro NCAP is the largest national organization that performs vehicle tests to create the safest car qualification. The American IIHS is also very popular (in the United States it is the road safety insurance institute). The indicators of the rating agencies are different, but in general, both resort to a crash test that simulates a frontal impact with a change.

In early 2016, the IIHS notified the world’s automakers of changes to the safety requirements for high prizes. To reach the highest rating, it was necessary to obtain the highest scores. An autonomous braking system was also needed. In addition, two tests were introduced to verify the operation of the emergency braking system. Only the safest and most reliable cars participated in this competition.

At the same time, if as a result of the crash test, the car received high scores, but to test the emergency brake system the scores were not that high, then the highest IIHS rating was out of the question. Several improvements have allowed cars in 2016 to significantly improve performance.The designers analyzed the rigidity of the body, which was designed to protect the driver and passengers during a frontal impact. In addition, work is being done to introduce an electronic braking system.

Here are the top 10 safest cars.

Open the top ten of the safest cars at the same time, three cars: Volvo S60, S80 and XC60. Swedish cars have been known as one of the safest. The cars were good during the crash test, earning 98 out of 100 points for the safety of the driver and passengers. These cars were assigned a five-star Euro NCAP rating. The Institute for Road Safety has assigned them a Top Safety Pick + rating.


In ninth place is the Acura MDX model. Acura produces superior quality all-wheel drive crossovers. This model also has a “Top Safety Pick +” and received the highest IIHS score. The main characteristic of the model is the presence of a large number of “intelligent” electronic devices, capable of avoiding collisions and notifying the driver about the possibility of frontal collisions.

The model is equipped with numerous front and side airbags. There is even a pillow that protects the driver’s knees.


Eighth place: Mazda 3. The model, although not new, has gained popularity among motorists. The Euro NCAP European Committee tested this car during the crash tests. Participation in the tests provided the five-star rating of the model.

During the tests, the Mazda 3 withstood frontal and lateral impacts. The warning systems for drivers and emergency braking in this model work perfectly. There is also a curious development of Smart City Brake Support, which allows you to keep a safe distance between cars on the road. The so-called “intelligent control” applies the brakes independently and stops the vehicle.

The Mazda system includes a system of blind zones, which allows you to keep track of what is happening behind. But the windshield models are strong enough, therefore, Mazda did not receive higher ratings due to the doubts of the experts regarding the safety of pedestrians.


The next model is the Chevrolet Spark (read also the characteristics of the Chevrolet Aveo). ). This model has a quite original design and is distinguished by its general trunk and its trunk relatively small. The Road Safety Institute has awarded the Chevrolet Spark Top Safety Pick + rating. At a speed of 64 kilometers per hour (the average speed of a car in a city), the car collided with a tree and a column.

As test material, passenger mannequins were used, which at the time of the collision remained seated in their seats due to an adequate fixation in the chair. The airbags during all the tests worked correctly. However, due to its small size, the reliability of the case after the impact remains doubtful, it did not allow the Chevrolet Spark to obtain even higher ratings.


Renault Zoe is in sixth place and has at least the original design than the previous model. The dimensions of the car facilitate parking, even in remote locations. It is believed that small cars are the least safe in a collision, but so to speak about Renault Zoe. Already in 2013, the model was included in the list of the safest cars in the world.

In its class, the car received the maximum points: 89 points out of 100 on the safety scale of the driver and the adult passenger, 80 points in the protection of child passengers and 66 in the safety of pedestrians. In a frontal and lateral collision with a pillar, the model showed insufficient bodily vulnerability. The same is possible in a collision with a car of larger dimensions.


Maserati Ghibli – executive class car. In the ranking of the safest cars occupies the fifth place. High points sedan provided Euro NCAP organization. The “Top Safety Pick +” rating was assigned by Road Safety Institute.


Fourth place – Jeep Cherokee. This model of an SUV ia. It’s no wonder that most off-road vehicles are called “jeeps”. The model has many advantages. For example, the cruise control system, which allows orientation to radar and video cameras. This allows you to maintain the necessary distance.

If necessary, a complete stop of the vehicle. The “Lane Departure Warning Plu” system warns you about the crossing of road markings. This is especially true in large cities, where marking often changes. The dimensions of the jeep allow it to absorb the impact force. The car showed great body strength in frontal and side collisions, but not a high enough score for the safety of pedestrians prevented the model from being placed in the top three.


In third place is the Korean compact van Kia Carens. A high score for the safety of the driver and the passenger (94 of 100) allowed this car to reach the first three. The Euro NCAP organization assigned a five-star rating to the model. In the Kompaktvenov class Kia Carens leads in terms of safety.

The qualification of protection of pedestrians in case of accident prevented the car from climbing even higher in the qualification. In a collision, the safety of pedestrians is estimated at 64 points out of 100. Unfortunately, Kia Carens is not supplied to the Russian market. You can buy a model only abroad.


Silver medal gets Lexus IS 300h. This model is quite popular and is one of the best Lexus models. Lexus is popular and occupies a decent place in premium car sales. The Lexus IS 300h, unlike previous models, managed to score high points for the safety of pedestrians in the bumper area during an accident. For the protection of the driver and passengers, the scores are also quite high, 91 out of 100.

Thanks to the presence of an “active hood” that reacts with special sensors to collisions and opens automatically, ensuring the safety of a pedestrian. The Euro NCAP test gave Lexus 66 points out of 100 for the reliability of its electrical systems. This indicator fully meets the requirements of the European and American organization.


The safest car in the world 2018 – Qoros 3 Sedan Qoros. A little-known model estimated in Euro NCAP obtained the highest points score. The interior of the car is extremely resistant to head-on collisions. Excessive resistance ensures maximum safety for passengers and the driver in a collision. The head, thoracic and pelvic regions are better protected. These parts of the body are injured more frequently in traffic accidents, therefore, they are the most vulnerable. The designers took this into account when developing the model.

The child safety indicator of the model is estimated at 87 points out of 100. The seats of the shock proof car seats resisted the lateral and frontal impacts. The collision of a child with the interior elements of the cabin is excluded. The protection of pedestrians in the bumper area is scored 77 points. The American organization TRW, which is dedicated to the supply of electronic systems, provided in many aspects this model with high critical ratings. The cost of a premium sedan is an average of 20,000 euros.

if you liked this article share it with your friends and family

Thank you

Is it mandatory to be up to date with the vehicle insurance to drive in the USA?

Some companies offer temporary car insurance policies to drive in the United States and Canada.

Some companies offer temporary insurance policies for driving in the United States and Canada in Google, you will find many companies and businesses that provide this type of service.

In this article we recommend that the Policy is authorized by the CNSF (National Insurance and Bonding Commission) and by the SHCP (Ministry of Finance and Public Credit) there is also the possibility that the residents of Mexico who drive their car temporarily in the United States United and Canada can drive temporarily through the country without any complications, we recommend that the insurance companies for vehicles have at least 10 years in the market so you will feel calm at the time that you suffer an accident

keep in mind

We recommend to the people that the insurance companies offer you the minimum coverage required to drive in any State of the United States and Canada.

ask for the services that I mention below

Legal assistance

Life insurance in case of emergency

Cash in Case of Emergency

Car rent

Repatriation of remains

Roadside assistance


Tourist information

our recommendation is to drive with care, not the speed limit, if taken it is better to assign another person remember that it is a duty of all that we are up to date with the obligatory insurance for our vehicles.

if you liked this article share it with your friends and family
Thank you

Insurance quotes for all types of vehicles 2019

In this 2019 do not let the traffic police surprise you without the obligatory insurance for your vehicle.

What are you waiting for?

Find on the Internet the best option for the insurance quote for your vehicles;

In the following article we will show you how to find the best option.

Step 1

from your cell phone or computer we go to our favorite browser (google crome, mozilla firefox, opera) acontinuacion write in the navigavion bar of our browser (https://www.google.com)

Step 2

 Once inside our Google search engine we write the following (vehicle insurance) then write the make and model of our vehicle

step 3

the google browser will search and find a list of companies and businesses that provide this type of service, feel safe to choose the best option and the one that best suits your budget

on this website we recommend the google search engine since it is one of the most popular search engines within the internaute community and we highlight the security work that we provide so you feel safe to consult here

if you liked this article share it with your friends and family
Thank you