Archive for March, 2013

2013 Hyundai Elantra GT

Virtually every online resource for automotive information from Kelley Blue Book to Edmunds and several between include “car payment calculators” of varying levels of sophistication.  These tools can be useful for estimating monthly payments after trades and rebates, but they often misrepresent (or leave out) one significant financial concern: new car insurance.

The best way to estimate the cost of insuring a new car is to gather information about the make, model, and year that interests you and contact your current insurance company, but that can be difficult to do while shopping for new cars in Phoenix.

Here are some general guidelines regarding the cost of insurance:

1.  Higher sticker, higher insurance.  Not every vehicle with the same sticker will cost the same to insure (see below), but as a general rule, pricier vehicles cost more to insure.  Insurance companies calculate premiums based on the amount of risk they incur by guaranteeing to pay for damage to a car in the event of an accident, weather damage, vandalism, or breakdown.  Costlier vehicles cost more to repair or replace, so they carry higher insurance premiums.

2.  Availability of replacement parts.  Many factors can affect the availability of replacement parts, and all of these factors contribute to the cost of insurance.  Usually, domestic models are less expensive to repair than imports, but major import brands, like Toyota and Hyundai, offer domestic part support equivalent to the largest domestic manufacturers.  Rare and exotic models require rare and exotic replacement parts, and their insurance premiums reflect that fact.  Furthermore, new models which lack a strong year-by-year history of manufacture and sales may carry higher insurance premiums because insurers lack a large enough pool of data to gauge risks.

3.  Safety and reliability.  Each year, independent agencies (like Motor Trend and J.D. Power & Associates) rank and reward the safest and most reliable automobiles with their respective stamps of approval.  Consumers use these rankings when deciding on their next car; insurance companies use them to assist in analyzing risk.  Vehicles with the most innovative safety features and strongest track records for reliability gain the confidence of insurers and see their rates lowered.

When you shop for a new car, do not forget to adjust for the cost of insurance.  There is always more to the story than just your monthly payment, and the sales associates at Chapman Arizona dealers will help you to select the best vehicle for your needs.  Here’s the good news: if you are looking for a great new vehicle with a reasonable insurance premium like the Ford Fiesta, the Chevy Cruze, or the Hyundai Elantra, Chapman has it!

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Luxury pickup trucks are a growing trend and traditional full-size pickup truck manufacturers have had a great deal of luck in terms of selling high feature, luxury editions of their standard offerings.

While serious cargo capacity and tow ratings are still important, deluxe comforts are beginning to capture the attention of truck buyers as well. Today’s new trucks offer a lot more than the bare minimum and have more passenger space and in-cabin technologies than ever before. Chapman Arizona offers variety of luxury trucks that can answer your transportation needs.

The 2013 Dodge Ram’s interior sets new standards in design and performance for a truck. The most basic models feature intricate door panels, comfortable and supportive seats and a sophisticated dash. Technological features for the Ram include an available UConnect infotainment system and configurable LCD information screens. The UConnect system uses an 8.4-inch display screen, wireless and Bluetooth connectivity, streaming Bluetooth and voice recognition controls for the phone, texting, music, radio mode and navigation. Multi-media input access for USB, SD card and auxiliary inputs are provided, as well as an available CD player in the center console. The Ram 1500 can also be equipped with a 7-inch multi-information screen that displays data in both text and graph form covering everything from digital speed readout to specific vehicle status information such as fuel economy, trailer towing information, outside temperature and trip data. New under the hood in 2013 are a 3.6-liter V6 engine and an 8-speed automatic transmission.

Ford offers similar features with their F-series pickups. Top trims come with comforts such as automatic headlights, fog lights, chrome exterior trim, a keyless entry keypad, the Sync voice-activation system and Bluetooth. If all of this isn’t enough, you can step up to a trim that adds dual-zone automatic climate control, leather upholstery, 10-way power-adjustable heated front seats, driver seat memory functions, the MyFord Touch electronics interface, dual USB ports, power-adjustable pedals and a power-sliding rear window. Other trims even add 18-inch wheels, a trailer tow package, an auto-dimming rearview mirror, a leather-wrapped and telescoping steering wheel with additional controls, a six-way power-adjustable driver seat, a trip computer with color display and satellite radio. Four-wheel-drive models also gain hill descent control, skid plates and an electronic locking rear differential.

The Chevy Silverado has also advanced into luxury this year and offers many great features such as a navigation system with an easily read display and quick response times. The heated and ventilated bucket seats are offered, and it’s easy to get in a comfortable driving position with the available power-adjustable pedals. Crew cab models feature comfortable rear 60/40-split bench seats with flip-up seat cushions that provide a nearly flat load floor. Other equipment includes antilock disc brakes, OnStar, electronic stability control and traction control. Front seat side airbags and side curtain airbags are also standard. Four-wheel disc brakes are available as part of the Max Trailering package. In Edmunds brake testing, a Silverado crew cab with four-wheel disc brakes stopped from 60 mph in a short 120 feet.

For more information on new cars in Arizona, visit a Chapman Dealership.