Just bought a new car...

Ryanwb

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I have a 94 Civic SI, that is all souped up. Turbo Charger, "farting exhaust", upgraded fuel system, upgraded manifold, racing chip, etc. This car screams, "give me a ticket"

In retrospect, a waste of money, just sits in my garage because it is too obnoxious to drive to work everyday. It is fun as hell to drive though.
 

Russ Smith

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Originally posted by CardinalChris
No ifs ands or buts in Ca. Reckless endangerment, felony and no car for a LONG time. I think it is anything 25 MPH over the limit

I thought the rule was over 100MPH is a night in jail and reckless driving?

I wish running a red light was a lot worse than it is, that is beyond rampant here in the Bay Area these days. I never go when a light goes green now, always wait for someone to run the red.
 

Lars the Red

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Originally posted by Russ Smith
I thought the rule was over 100MPH is a night in jail and reckless driving?

I wish running a red light was a lot worse than it is, that is beyond rampant here in the Bay Area these days. I never go when a light goes green now, always wait for someone to run the red.
I got dinged on a red light in Hemet, CA. Cost me $250. I almost get rearended because I won't push Yellows anymore. We have the always popular Cameras around too. I happen to sit too tall to have my face visible, so its less likely I'd get one anyway.
 
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mdsisquo

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Originally posted by CatBoxBackFan
Nice Car,tell me how it goes,Im looking for a new car in a year

Thx for the pic and I'll be sure to keep you updated. Seems like a great car. The only problem is I can't use it to pull my Bass Boat. Actually it's my fathers/brothers/and mine since we all chipped in on it. At least my Explorer was good for one thing. It's too bad because I will be fishing in several Bass tournaments over the spring and summer and I have to borrow either my dads Expedition or my bro's Explorer. But overall it's a good car! :thumbup:
 

40yearfan

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Originally posted by Russ Smith
My girlfriend and I were eating Brunch outdoors over the weekend and a girl pulled up in one and people were asking her about it. She loved it. I wanted to ask some questions but she was cute and I figured my girlfriend had a knife and fork handy so anything that could possibly construed as flirting was probably a bad idea!

I love the hybrid concept I think that the electric cars and hydrogen fuel cells cars a complete waste of time and money that's being forced down our throats by lobby groups.

Hell 18 months ago the state of California was doing random blackouts daily due to an electrical shortage, if even 10% of the state had been driving electric cars at the time can you imagine the impact on the electrical reserves?

Hydrogen cars sound brilliant, the only thing they put out is water, the problem is a very basic one, where is the available supply of hydrogen? The way they get it now is so ridiculously expensive that even heavily subsidized models would cost 60K and the true cost of one of those things is astronomical.

I think Hybrid cars are absolutely the future. The Insight to me looks very fragile I'd be really concerned it can withstand impacts like a typical car accident but I assume it had to pass safety tests.
<p>Let me tell ya-----the cars of the future will be cars powered by hydrogen. They are working on a way to derive hydrogen from water right now and as soon as a cheap reliable way is found, all cars will be powered this way. No fuel costs and the only emission is water. You couldn't ask for a better vehicle. <p>Not only that, but your homes and businesses will also derive their power from hydrogen fuel cells---no more power company costs, high lines, smoky power plants, etc.. That have a working fuel cell right now that is smaller than a refrigerator and able to power a large residence. A group I'm involved with is working on a report that will be published later this year. If anyone is interested, I will post some of the highlights on this board.
 

Ouchie-Z-Clown

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forget the highlights - i want the stock tips in the company that is first to get it right!
 

Fiasco

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Let me tell ya-----the cars of the future will be cars powered by hydrogen. They are working on a way to derive hydrogen from water right now and as soon as a cheap reliable way is found, all cars will be powered this way. No fuel costs and the only emission is water. You couldn't ask for a better vehicle.

I'm not sure how comfortable I would feel sitting on a tank of hydrogen.
 

KingofCards

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Re: Re: Just bought a new car...

Originally posted by Lars the Red
Some industry advice for you if want.

-Keep a 'B' average and utilize a good student discount.
-Tickets are a major kick in the 'nads, so be smart.
-Accidents are the kiss of death. You will hate yourself for 3 years if you have a bad day.
-Jump on an additional policy (renter's, Homeowner's), the discounts make it worth it.
-Talk nice to your agent and try to get rated as friendly as possible. Every little bit helps.
-Get married, or at least engaged. It saves money.

There, I've given all the fatherly advice I can stand for one day.

Lars are you in the Insurance industry?

To add to his good advice, Accidents and tickets could haunt you for 5 years, depending on the # and State you live in. I am not up on MD, insurance laws. Another thing that might help is an defensive driving course. Alot of States mandate discounts for those courses.

Another thing that affects your rates is the mileage that you drive, and the usage of your vehicle. If you over estimated, or stated that you drive back and forth to work/school daily affects most policies as well.

Almost any question they ask you when adding a new vehicle, or starting a new policy affects how much you are charged.

The first company I worked for, actually the only one I had anything to do with rates, took odos, and made sure you drove what you said you would. Alot of companies coorelate credit history in as well.

I am in claims now, and defer all rate questions to policy service/agents... Too bad policy service/agents do not do the same when they try to explain the claims process.
 
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Fiasco

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Traffic school is supposed to do the same thing, but you are relying on the wonderful folks at DMV to do things the right way. I pull MVR's daily and far too often, tickets that are supposed to not exsist, stare me right in the face.

I don't agree that they are some governmental tax that is imposed on us. I lived in LA and here in Phoenix. I've seen more nice folks turned in to greasy spots on the pavement than I care to remember, and the majority of the time, it's excessive speed that caused it.

It's an arbitrary government tax when your all alone on a rural interstate posing no threat to anyone else.

Same thing when your singled out of a group of cars traveling at similar speeds because you have out of state plates.

Three cops patrolling one 15 mile segment of interstate for a rural county that has only one access ramp to said interstate isn't a ploy to boost county revenues?

I've been ticketed for rolling a stop sign on a rural blacktop before!
 

KingofCards

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A stop sign is a stop sign.

I handle numerous automobile claims, in the middle of nowhere where a rolling stop turns into an accident, or the approaching vehicle ends up in a ditch.

I hear the stories, daily. In fact I make a living out of people speeding on rural roads and rolling through stop signs. The rules of the road, as well as Insurance, are a necessary evil, and should be followed for your safety as well as your pocket book.
 
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mdsisquo

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Thanks for the great Info Lars and King. :thumbup: I will do everything I can that both of you told me. (I don't go to school, rather work full time, so Keeping my grades up is something I can't do unless I decide to go to college, which may happen).
 

KingofCards

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Originally posted by mdsisquo
Thanks for the great Info Lars and King. :thumbup: I will do everything I can that both of you told me. (I don't go to school, rather work full time, so Keeping my grades up is something I can't do unless I decide to go to college, which may happen).

Unfortunatly, a major rating factor is age and gender, as well as zipcode.

Go to college man, go to college.

Off the soap box I jump.

wheeeeeeeee.
 
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mdsisquo

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Originally posted by KingofCards
Unfortunatly, a major rating factor is age and gender, as well as zipcode.

Go to college man, go to college.

Off the soap box I jump.

wheeeeeeeee.


Can you explain something to me? Why is it that young women have lower insurance rates than young men? Makes no sense to me. I would think the girls would have a much much higher percentage of accidents with all the talking on cell phones (yes, we guys, do it too I know, but we don't talk on the phone like girls do), putting on makeup etc. etc. Infact, I've probably seen something like a 5-1 ration of girls to guys pulled over on the road due to minor to mid level accidents. And girls can have road rage JUST as bad as guys can. Not to mention speeding. I've seen girls blow by me going at least 100 on the highway. The only time I ever speed is if one of those girls is hot and I'm chasing her:thumbup: . Seriously though, you should know this. Can you fill me in?
 

KingofCards

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I have been out of the rating portion of Insurance for sometime, but it isn't based on opinion. Any rating factor they has to be backed up and approved by the State Dept of Ins. prior to being implemented.

That is all I know. To be honest I can't even verify that a young man would be rated higher than young woman.
 

Russ Smith

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Originally posted by 40yearfan
<p>Let me tell ya-----the cars of the future will be cars powered by hydrogen. They are working on a way to derive hydrogen from water right now and as soon as a cheap reliable way is found, all cars will be powered this way. No fuel costs and the only emission is water. You couldn't ask for a better vehicle. <p>Not only that, but your homes and businesses will also derive their power from hydrogen fuel cells---no more power company costs, high lines, smoky power plants, etc.. That have a working fuel cell right now that is smaller than a refrigerator and able to power a large residence. A group I'm involved with is working on a report that will be published later this year. If anyone is interested, I will post some of the highlights on this board.

I'd be interested, maybe a PM to keep from diverting the board.

My take is until I see otherwise I see hydrogen fuel cells as an energy loss scenario that makes no sense. It takes more energy to extract hydrogen from water than you get from the hydrogen itself so it's a "loss". Water is essentially "spent" hydrogen, so it's very inefficient to try and extract hydrogen from water.

That's the biggest problem there are no untapped hydrogen "mines" to get hydrogen. And as someone else said, it's very tough to convince me a hydrogen tank in a car isn't a huge safety liability.

But if someone figures out a better way to get hydrogen then yeah the clean burning aspect of it is worth trying to figure out the safety aspects. But right now I think we're throwing a ton of money at it for all the wrong reasons.
 

Gizmo Williams

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Any thoughts on Compressed Natural Gas???? I always thought it had the greatest potential but the worst lobbying groups.

The technology is available now. Natural gas is plentiful and does not pollute the environment. Electric cars may not pollute when they are driven....but do cause pollution at the generating facilities especially back East where they have a number of coal burning facilities. And disposing of batteries is another problem.

Anybody know why CNG is not a more popular solution?
 

jstadvl

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a new Dodge Ram 1500 2 weeks ago. Doesn't get your mileage, but, it is sweet.
 

Lars the Red

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Re: Re: Re: Just bought a new car...

Originally posted by KingofCards
Lars are you in the Insurance industry?

To add to his good advice, Accidents and tickets could haunt you for 5 years, depending on the # and State you live in. I am not up on MD, insurance laws. Another thing that might help is an defensive driving course. Alot of States mandate discounts for those courses.

Another thing that affects your rates is the mileage that you drive, and the usage of your vehicle. If you over estimated, or stated that you drive back and forth to work/school daily affects most policies as well.

Almost any question they ask you when adding a new vehicle, or starting a new policy affects how much you are charged.

The first company I worked for, actually the only one I had anything to do with rates, took odos, and made sure you drove what you said you would. Alot of companies coorelate credit history in as well.

I am in claims now, and defer all rate questions to policy service/agents... Too bad policy service/agents do not do the same when they try to explain the claims process.

Yes King, I am. I was in claims for a while, now I have an agency. I guess that means I have just enough knowledge about both to completely screw myself up. Agency makes sense, as do claims. The area that I get agro with is underwriting. Their decision making seems to be based a little too much on what kind of mood they are in.

I can usually explain the good, bad and ugly in the business to new clients. The simple things can really mean some major savings in an industry that doesn't look to be getting cheaper any time soon.
 

Lars the Red

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Originally posted by Fiasco
It's an arbitrary government tax when your all alone on a rural interstate posing no threat to anyone else.
What constitutes alone? No cars for 5 miles? Can you see 5 miles? No cars for a mile? What if that car in the distance is going 120 because he's on a rural road and no threat to anyone? He covers that mile in 30 seconds and has a bitch of a time getting that car stopped before he puts everything in your trunk up your arse. You base speed limits on public roads not only by their design and use, but by the type of driving done on them. I've seen hay haulers on the interstate in S. AZ going 45 or 50. If your coming up on them at 100, it's like coming up on a car stopped on the highway. If I want to drive really fast, I go to the track.

Same thing when your singled out of a group of cars traveling at similar speeds because you have out of state plates.
I see plenty of instate plates pulled over too. It's just like the school of fish that swim by the shark. Your going to lose a few everytime.

Three cops patrolling one 15 mile segment of interstate for a rural county that has only one access ramp to said interstate isn't a ploy to boost county revenues?
Actually, it's an attempt to get people to slow down on a particular stretch. It's usually due to numerous accidents or complaints.

I've been ticketed for rolling a stop sign on a rural blacktop before!
Yield means yield, stop means stop. If you don't like tickets, do what the sign says. If you don't like what the sign says, don't bitch about tickets.
 

Lars the Red

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Originally posted by mdsisquo
Can you explain something to me? Why is it that young women have lower insurance rates than young men? Makes no sense to me. I would think the girls would have a much much higher percentage of accidents with all the talking on cell phones (yes, we guys, do it too I know, but we don't talk on the phone like girls do), putting on makeup etc. etc. Infact, I've probably seen something like a 5-1 ration of girls to guys pulled over on the road due to minor to mid level accidents. And girls can have road rage JUST as bad as guys can. Not to mention speeding. I've seen girls blow by me going at least 100 on the highway. The only time I ever speed is if one of those girls is hot and I'm chasing her:thumbup: . Seriously though, you should know this. Can you fill me in?
All the studies show that young men are much more likely to have accidents than young women. I don't see many girls smoking tires from stop lights, creating their vehicles into 'Fast and Furious' units, or trying to prove who can get to the mall faster. Some girls are the exception, but men have that little thing known as testosterone. We love being manly, and it occasionally makes us use our balls instead of our brains.
 

Lars the Red

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Originally posted by KingofCards
I have been out of the rating portion of Insurance for sometime, but it isn't based on opinion. Any rating factor they has to be backed up and approved by the State Dept of Ins. prior to being implemented.

That is all I know. To be honest I can't even verify that a young man would be rated higher than young woman.

Oh, I can definitely verify it. It really sucks being a young male. Young females aren't cheap, but boys get bent over. The only way to keep the cost reasonable is drive something old and boring, keep grades up, and stay away from any tickets or accidents.
 

Fiasco

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Originally posted by Lars the Red
What constitutes alone? No cars for 5 miles? Can you see 5 miles? No cars for a mile? What if that car in the distance is going 120 because he's on a rural road and no threat to anyone? He covers that mile in 30 seconds and has a bitch of a time getting that car stopped before he puts everything in your trunk up your arse. You base speed limits on public roads not only by their design and use, but by the type of driving done on them. I've seen hay haulers on the interstate in S. AZ going 45 or 50. If your coming up on them at 100, it's like coming up on a car stopped on the highway. If I want to drive really fast, I go to the track.


I'm not advocating driving at 120mph. The 143 ticket I mentioned in a previous post was issued when I was a dumb teenager (I'm a slighly less dumb adult now).

The national speed limit of 55mph adopted in 1973 was not because of safety concerns. The resistance of air flowing over the car is exponentialy related to speed. The faster you go, the harder your engine has to work to overcome friction from air resistance increasing fuel consumption. The interstate speed limit reduction was predicated upon a fuel crisis, not safety concerns.

Disciplined driving of a well maintained vehicle at higher speeds is no more dangerous than undisiplined driving at lower speeds. The skill of drivers varies almost as widely as the capabilities and maintenance conditions of the vehicles they drive. Is a Ford Festiva riding on miniscule 12" tires safer to operate at 70mph (MO's rural interstate speed limit) then a corvette is at 85mph? A corvette can stop from 70 mph in approximately 150 feet. A chevy suburban needs 210 feet.

Finally, if the ticket I recently got wasn't part of a rural counties cash cow, why are they so willing to drop it from my record for additional cash.

I see plenty of instate plates pulled over too. It's just like the school of fish that swim by the shark. Your going to lose a few everytime....

And that shark feeds on those fish which offer the least resistance/defense.
 
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