Are Hybrid Cars More Expensive to Insure

Are Hybrid Cars More Expensive to Insure?

Cost of ownership of a vehicle is not only the buying cost. It is just the primary cost. The total ownership cost includes registration, different kinds of tax, insurance, and price of the car. The total ownership means all the cost that you have to bear from buying the car to put it on the road with proper paper works.

Why Considering Hybrid Cars Over Conventional Ones?

The main reason for choosing hybrid is for lower fuel cost. These cars can run up to 120 miles per gallon of fuel. On the other hand, this car good for nature as it emissions rate of CO2 is pretty low. And ownership of the hybrid car is cheaper than gas run vehicles.

Is Hybrid Car Insurance Premium is Better than Conventional Ones?

We have look through different car insurance companies quotes. After comparing them we have found some evidence that hybrid cars are charged more than conventional ones. Here is the average rate of different insurance companies’ yearly premium on different cars.

Hybrid Gas Difference
Honda $1810 $1870 $-60
Sabaru $1765 $1575 $190
Toyota $1895 $1643 $252
Hyundai $1945 $1773 $172

As you can see from the chart only Honda’s hybrid car’s insurance premium is less than its conventional car’s insurance premium. The premium difference is more than $170. So, after the observation, we can say that the hybrid car’s insurance premium is higher than gas operated cars.

Why is This Insurance Premium High?

There are some reasons behind this high premium. The parts of hybrid cars are expensive. So, if anyone hits your car than comprehensive payment will be higher. As it will take more money than regular cars to get repaired. Same things go for the faulty parts in the car. All the expire parts of the cars are pretty expensive, these are the reasons for the insurance company to put a higher premium rate on them.

But as you see why the Honda’s hybrid car premium is low on cost. Well, it is very easy to understand. The prices of the parts are reasonable. So the insurance company put a low premium on Honda Company’s cars.

The engine of the hybrid car is known to the mechanics as state of art engine. This is highly functioning electrical engine needs a pair of well-trained hand. So you can easily get that the mechanics who are expert in a hybrid car will charge more.  As insurance company is responsible for the repair, they charge extra for coverage.

How to Minimize the Coverage?

The car insurance does not depend on only the vehicle. There are lots of other factors to consider as well. If you have an excellent driving record and your financial statement is very good you will get a good discount. If you are married and have another policy under the same insurance company then you will definitely get a discount.

In the end, I think you should go for hybrid cars. They are more nature-friendly and fuel cost is very low.  Insurance coverage is a small amount of money compared to the money it will save on fuel in the long run.

How to Reduce Pollution from Vehicles and Engines

How to Reduce Pollution from Vehicles and Engines?

Global warming, air pollution these are not unknown topics to us. There are a lot of talks and advice how we can stop or reduce the pollution that causing global warming. In the megacities, fresh air or less polluted air is becoming rare day by day.

Even in last year in Beijing, some companies started to sell fresh air in the bag. In New Delhi, global warming hits so hard that in the dry season the whole city goes under the sheet of dirt and soil. At that very moment breathing in New Delhi air is as harmful as smoking three cigarettes in a day.

The pollution in the megacities is mainly happening due to vehicles and industries. Vehicles burn fuel and produce carbon dioxide. This is very poisonous to both human health and body. And personal cars are increasing day by day. So we must try to save our nature.

As we heavily rely on our cars and cannot stop using them, we must use the cars in a way that minimizes the pollution. So you can minimize the pollution by decreasing the amount of fuel burn by our car.

Here are some tips how we reduce pollution of cars

Keep the car engine in a good condition

You just tune up the engine regularly. If the engine is in a bad condition it will burn more fuel. The fuel cost will go up as well as air pollution. The whole car works as a single unit. You need to take care of every part of the car.

If any single parts of the engine are faulty it can harm the engine and in the end, it will end up with a bad engine that emission a lot more than usual.

There are lots of dust in the city nowadays. These dust are very harmful to the car’s body, windshield, and engine. You can use windshield washer fluid to clean the windshield. But I think you should use water instead of washer fluid as it contains ethanol and that is harmful to nature. If the air and dust pollution is very high in your city or area, buy good quality wiper blades that can give you proper cleaning whatever you use to clean the windshield.

Use zero-emissions vehicles

These vehicles are commonly known as hybrid cars. These cars run on electric battery and fuel. Even the hybrid can run on gas also. It can go up to 20 KM per letter inside the city and will run in a battery. It means less fuel consumption. This car designs to be an eco-friendly car.

Drive smart

Consumption of fuel is also depending on how you drive. Try to drive smooth. Do not accelerate too much and do not break all of a sudden. Only break if needed. Do not use AC all the time. It burns a lot of fuel. On the other hand, the air conditioner can pullet the air also.

Park under a shade it will keep your car cool. So you have to use the AC less. Do not sit in your car idle for long period of time. If the car engine remains idle for a long time at first it will consume more gas.

Always try to drive light. Sometimes there are lots of unnecessary things in our car. Get rid of them. Keep your car interior clean.

Use premium fuel

The quality of the fuel that is used in car can also make the car a car environmental friendly. Premium fuel burns less than usual fuel. It helps to increase the mileage as well as the lifetime of the car.

All these advice and tips are for cars. But there are some other things that we can also start doing. We must try to avoid using the car if possible. If public transportation like bus, metro rail is available we must use them instead of cars. One bus can carry 40 people and will use 3 car fuel cost to travel the same distance.

If possible we can walk to distance instead of using our cars. It will save your money. Walking is also a good exercise.

Reasons to Buy a Hybrid Car

7 Reasons to Buy a Hybrid Car

Fuel price is going up and down frequently nowadays. Right now, fuel price is low but it can go up anytime. Fuel economy has always been a headache for the car owners. This is the reason the car manufacturers are looking for a car that is fuel efficient.

The new consumers are also interested in cars that make less pollution and have a great mileage. So this demand is meet up with the introduction of hybrid vehicles.

What is a Hybrid Car?

A hybrid car has duel engine, one is conventional fuel engine and another one is an electrical one. In some hybrid cars, there are multiple electrical batteries. Hybrid cars run in a combination of both fuel and electrical engine. This gives the hybrid car more mileage and emission of CO2 becomes many lees. The batteries do not need to get charged by electric charger as it will charge while the fuel engine run. It will charge through the REV of the engine.

Why Should We Buy Hybrid Cars?

There are several reasons why one should go for a hybrid car. I will discuss these in details here.

Fuel Economy

The hybrid cars give an excellent fuel economy than any other cars. Some of the cars can give you up to 100+ mileages per gallon. Before we buy a car we always put the fuel cost in our mind. There is no other car on the market with better mileage than hybrid ones. There are different companies that are manufacturing this kind of vehicles. The least mileage you will get is 40 miles per gallon and highest mileage is 115 miles per gallon.

Good for Environment

If we are burning less fuel it means that there is less emission of CO2 in the atmosphere. It is a huge plus for everyone. Global warming and air pollution are increasing day by day. Emission of CO2 from a car is the main reason for air pollution in the big cities. So, less fuel consumption means less pollution for air.

Ownership Costs is Less

Buying car is not the only cost. We have to give yearly tax. We all need car insurance. But if we had a hybrid car we will definitely get a better deal than standard cars. Same goes for tax and other expenses for cars. Actually, this is a way of government to reduce the pollution. Get people interested in using environmental friendly things.

Price is Overall Affordable

If you guys look for the overall price of a standard car, hybrid ones cost more. But, we will have to give less tax as we are driving environment-friendly vehicles.

Efficient Design

The whole car is designed in a way that makes it very user-friendly. The look of the car is very much attractive. The interior design of the car is so good that you will feel comfortable while driving. All the internal electronics are kept well positioned. You can easily handle the entire car from your driving seat.

New Features

People buy hybrid cars because it’s technologically advanced. There are lot new features on this. Like, no key start is common now but a hybrid car is the first one to bring it on the market. Different companies offer different kinds of features.

Large Selection

Most of the known car companies are making hybrid cars now. There are different kinds of models and prices. You can choose your hybrid car from them. And I can assure you that you can find an affordable car in your budget.

Hope this help to set your mind straight on the hybrid cars. We all should try to prevent pollution. Choosing a nature-friendly vehicle may be the first step to minimize the air pollution.