Saturday, November 22, 2008

Aston Martin One-77


Aston Martin has released a snapshot of the stunning new One-77; the ultimate creative interpretation of the renowned British marque.

One-77 fuses advanced technology with stunning Aston Martin design to create possibly the world’s most desirable automotive art form. Based on a sophisticated carbon fibre chassis with a handcrafted aluminium body, this 7.3 litre V12 super car will deliver exhilarating performance for a strictly limited number of discerning customers.

Two new images and more details about the limited edition Aston Martin One-77 have surfaced, providing us with a price, a handful of specs and some new views of the bespoke supercar.
Despite what the original teaser revealed, sources indicate that the One-77 will be packing a naturally aspirated 7.3-liter V12, as opposed to a 7.0-liter unit, putting out 700 hp and 553 lb.-ft. of torque. Power will be channeled through a rear, mid-mounted six-speed automated manual transmission, featuring Auto Shift Manual and Select Shift Manual (ASM/SSM), and controlled by an electro-hydraulic system.

The coupe will be available in left- or right-hand-drive, but seating will be limited to two. The exterior body panels will be made of handcrafted aluminum, while the monocoque body structure will be fashioned from carbon fiber. A deployable rear spoiler, adaptive suspension, carbon ceramic brakes and stability/traction control are all part of the package, and the One-77 is expected to tip the scales at just over 3,300 pounds.
A "Direct Customer Sales Contract" was supposedly leaked to 925.nl, which covers the details in all their fine-print glory, along with the price tag. One of 77 One-77s will set you back £1,050,000, excluding VAT and all the other taxes that go into the purchase. While Aston Martin isn't on the schedule for this week's Paris Motor Show, we're hoping to catch a glimpse of the new coupe in the City of Lights before it goes on sale towards the end of 2009

Maserati Quattroporte S


The new Maserati Quattroporte is unique in the field of luxury saloons, combining elegance and comfort with stunning performance.

The lines of the Quattroporte S are enhanced by the latest technology
The Maserati Quattroporte S’s show-stopping looks are down to Pininfarina, the world famous coachbuilder. New technological features and revised aerodynamics combine to render the elegant Maserati flagship model even more desirable and a car that stirs the soul.

The front end is dominated by the new grille with the traditional Trident logo in its centre. The grille’s chrome, convex vertical slats give the car an assertive poise and hint at the potential that lies beneath the bonnet. The front lights, like those at the rear, make use of LED technology to give the Quattroporte S an even more striking look.
The Quattroporte S is a car with a distinct character that combines power and elegance. Its unmistakeable lines are perfected by the new side spoilers.

The interior of the Maserati Quattroporte S offers superb comfort
The interior of the new Maserati Quattroporte S has raised the bar when it comes to comfort. This improvement is down to the radical changes made to the driving position, the seat set up, the multi-functional steering wheel with its sports grip, the commands now situated on the centre console, the revised instruments and, near the chic clock, the addition of a small storage compartment on the centre tunnel.

The Quattroporte S has electronically adjustable seats that can be set to fourteen different positions (including the seat back in four different ways). The driver’s seat has three memory settings and an easy entry/exit system (that pushes the seat back and raises the steering column). Owners can also opt for the front seat comfort pack that provides heating, ventilation and massage functions.

Passengers in the back can relax and enjoy the ride in a well-insulated cabin, free from any annoying vibrations. The Quattroporte S offers an array of rear seat positions thanks to their numerous functions such as their separate, electronic movement. The separate lengthways shift (10cm) and reclining movement mean that passengers will have no trouble finding a comfortable position. The rear seats can also be fitted with a heating, ventilation and massage capability, as an option.

The spacious, 450 litre boot has an even shape and is especially roomy widthways (it can fit three or four golf bags, depending on their size). Every inch of room in the boot can be exploited thanks to the luggage set specifically designed for the Quattroporte S and available as an option. Boot space has been found to accommodate the puncture repair kit that includes a pump. A 17” spare wheel can also be housed under the boot floor, available on request.

There is a range of other standard equipment that comes with the new Quattroporte S, including a cooler compartment inside the front armrest, two glass holders that tuck away into the rear armrest and an electronic blind for the rear window.

Interior: switchgear

The main commands inside the Quattroporte S can be accessed easily and quickly. Switchgear linked to the driving dynamics (Park Off, Low Grip, Sport, MSP deactivation) is set close to the driver. To one side, on the right of the centre display, are the commands to lock/unlock the doors and the window blinds. Lower down on the console is a group of commands for the dual-zone Automatic Climate control that has its own display.

Simplicity and speed of use are the concepts behind the interior’s design. Each switch does only one thing and the graphics make using them intuitive and immediately understandable.

The electronic handbrake is located on the centre tunnel. It is operated by simply pressing a button (that is slightly recessed to avoid turning it on accidentally). To deactivate the handbrake you need to press the button once more or depress the accelerator pedal. The Maserati Quattroporte S is also fitted with the 'Park' capability that turns on the electronic handbrake every time the engine is switched off. This function can be deactivated via the Park Off switch for times when you need to move the car with the engine off. To complete things, twin, chrome edged glass holders and an ashtray and cigar lighter can be found on the centre tunnel.


Interior: prestigious woods

At Maserati tradition dictates, attention to detail and a refined interior lie at the heart of the new Maserati Quattroporte S’s design. The flawless styling is a celebration of Italian craftsmanship. Wood, that most classic of materials, covers vast areas of the interior, giving the cabin a welcoming warmth. Three new prestigious woods make their debut in the new range: Starwood, Vavona and Polished Wenge. These woods prove once more the lengths Maserati goes to in sourcing new materials. For those who prefer a sleeker look, high gloss Black Piano and Blue Laque finishes are available.

Starwood stands out for its elegance and modernity. The vertical grain on the centre console and horizontal grain on the door panels, combined with a neutral grey-green hue, combines perfectly with cooler colours if the client wishes to create a clean and modern interior. Starwood also works with warmer colours to generate a contrast that brings out the vivid shades. Vavona has warm, amber tones. The wood is recognisable for the rounded and florid form of its grain. It is a wood that works particularly well with all the warmer leather colours in the range.

Polished Wenge, with its stretched grain, is a tropical wood. It is dark and dense and brings warmth to any environment with its brown toned grain. Blue Laque is the new alternative to Black Piano and has been introduced to combine with the Blue Navy leather tint. This creates and new and smart contrast to the lighter colours in the range.

Specially sourced, all the woods undergo treatment that is a combination of traditional working methods and the most advanced precision technology. Owners can even personalise their choice of prestigious woods with inlays.

The interior: Poltrona Frau® leather

The Poltrona Frau® leather that adorns the interior of the Maserati Quattroporte S is the result of a special selection process aimed at guaranteeing the finest quality in a material that is pleasing to the touch. The tanning treatment it undergoes makes the leather supple, hardwearing and practical and adds to the overall aesthetics. Poltrona Frau® represents workmanship of times gone by. It combines time-honoured expertise with more modern techniques. This process makes the leather extremely soft and comforting in winter but cool in summer. Poltrona Frau® leather also ages well, another reason it is rated so highly.

The most discerning Maserati owners can opt for the Luxury Pack in natural Poltrona Frau® leather, the last word in elegance and exclusivity. The leather is extraordinarily supple, something that will give passengers a sensation of refined extravagance. The Poltrona Frau® logo and the double stitched seats embellish the look.Two new colours make their debut on the new Quattroporte S: the natural and subtle Sabbia and Marrone Corniola, a modern shade of brown with a vivid and sporty tone.

Comfort and life on board

The navigation and entertainment systems on the new Maserati Quattroporte S have been completely revised. It is made up of the new Maserati Multimedia System and the Bose® Multi Media System. Created by Marelli, the Multimedia System includes, as standard, an on-board computer, satellite navigation system (a digital map, where available), a CD-ROM and mp3 player, a hard disk driver, jukebox for mp3 files, a 30GB hard disk, voice control, Bluetooth® Wireless Technology, and a USB/AUX-in that doubles up as a USB reader.

Sound is delivered courtesy of the Bose® Surround Sound System, which also comes as standard. The speakers reward occupants with a breathtaking acoustic performance that was designed specifically for the new Quattroporte S. A high resolution, 7" colour TFT screen sits in the centre of the dashboard and displays the CD functions, the satellite navigation (where possible a digital map), the RDS tuner, on board computer (that shows information about the journey and on the car's set up), a jukebox, Bluetooth® and the USB reader.

Controlling the system is easy and instinctive thanks to the commands located in the middle of the dashboard. You can also access the most frequently used functions in total safety via the steering wheel mounted buttons. Safety is also the theme behind the voice controls that work the audio system, the satellite navigation and the telephone.
The on board computer allows you to view information provided by the Trip Computer. This details average fuel consumption, the trip time, distance covered, average speed, the speed limit and the kilometres/days until the next service is due.

One of the available options is the Rear Seat Entertainment system made up of a centrally mounted rear screen and a DVD player. There is an AUX input jack for video games or external plug-ins (for example, a video camera), with sound transmitted via headphones or through the main speaker system.

The colour display panel that faces the driver feeds back useful information about the journey. This includes the settings of numerous electronic functions fitted to the car (MDS transmission, Skyhook, when the MSP kicks in or when the road surface is icy, for instance). The display also reports information from the satellite navigation system (when it is on), to help the driver with easy to read moving images.

Dual-zone Automatic Climate ControlThe new Maserati Quattroporte S comes with dual-zone automatic climate control as standard, further improving the on board environment. A series of sensors measure the quality of the air coming into the car and, for example, prevent unclean air or unpleasant odours from entering the cabin by automatically activating the recycle function. A second sensor stops the glass from misting by reducing the level of humidity in the air whenever it detects that the windows are at dew point.
Rear seat passengers also benefit from an excellent climate control system featuring six inlet ducts (two on the centre console, two on the centre pillars and two at foot level. The system can be enhanced with the addition, as an option, of a rear command panel. This allows rear passengers to control the climate, the intensity of the ventilation and the airflow split between the ducts.

Other on-board features Among the other electronic equipment that comes as standard on the Maserati Quattroporte S are the light sensors. These automatically measure the strength of ambient light and turn the headlights on and off accordingly. There are also rain sensors that activate the windscreen wipers and regulate their frequency, cruise control that sets the cruising speed automatically without the driver having to keep his foot on the pedal, an alarm (with perimeter and volumetric sensing and an anti-lift device), and the automatic locking of the doors when the ignition is switched on.Tyre pressure sensors, electro-chromic wing and internal mirrors and front parking sensors are also available as options.


The Maserati Quattroporte S’s engine, gearbox, chassis and suspension
Engine
The Maserati Quattroporte S is fitted with a new and powerful eight cylinder V90° engine with a capacity of 4,691 cc. It develops 430 bhp at 7,000 rpm and has a peak torque of 490 Nm at 4,750 rpm.
Instantly recognisable thanks to its distinctive red cylinder head covers, the 4.7 litre unit is the ultimate in the new family of wet sump engines. It was specially developed to guarantee the Maserati Quattroporte S an even more involving drive, the smoothest gear shifts and top draw performance. Upping the capacity from 4,244 to 4,691 cc was obtained by increasing the bore and stroke and analysing the engine’s longitudinal mass.
The technical solutions adopted make the Quattroporte S’s engine extremely reliable, quiet and also result in reduced friction. All this means lower fuel consumption and the chance to obtain precise phasing that means better refilling of the cylinders. These characteristics fully embody the positive features of the most recent Maserati engines: they are high powered and go up and down the rev range quickly.

Having 82% of the torque on tap at just 2,500 rpm means the 4.7 litre V8 makes light work of overtaking during long journeys and gives the engine a thorough workout through the entire rev range.

The 4.7 litre power unit’s performance is excellent: it produces 430 bhp, reaches a top speed of 280 km/h and sprints from 0-100 km/h in just 5.4 seconds.

Gearbox
The Maserati Quattroporte S’s automatic transmission favours fluidity and smooth gearshifts without compromising power or speed. The 4.7 litre engine’s punchy delivery is teamed with gearbox management software that was developed to optimise gear pick up and make the driver aware of when the automatic transmission was changing gear.
The result of a partnership between Maserati and ZF, the gearbox is served by a hydraulic torque converter. This provides a boost at low-mid revs and also ensures sufficient power right up to 7,200 rpm.

The driver can modify the transmission to best suit the road conditions or to match his own individual driving style by selecting the Low Grip or Sport buttons.

Low Grip mode guarantees maximum safety when the road surface is slippy or icy thanks to the direct input of the ASR traction control. Pressing the Sport button makes the transmission more aggressive and places the emphasis on performance with faster changes at higher revs. To keep in touch with its granturismo heritage, the Quattroporte S can also be driven in manual mode by flicking the switch located on the centre tunnel.

Chassis and suspension
The Maserati Quattroporte S’s chassis makes it an involving drive while also improving safety and comfort. Its torsional stiffness and flexibility results in well-balanced handling and enhances the driving experience.

The car’s front and rear double wishbone suspension, with forged aluminium arms and hubs, features ‘Antidive’ and ‘Antisquat’ geometry. This prevents the front end dipping under braking and the rear end squatting under acceleration. The suspension on the sports version of the Maserati flagship has been further upgraded with Skyhook suspension. Skyhook controls the variable damping and boasts a new setting that allows the optimal balance in roadholding. There are also new valves that improve the way the springs and dampers work.

The Skyhook system
The Skyhook system electronically controlled suspension system provides automatic and continual adjustment of the damping. Any bumps in the road’s surface are absorbed and on-board comfort levels remain as high as ever as the system adapts to the driver’s style behind the wheel.

Skyhook boasts software that is exclusive to the Quattroporte S and conceived to offer the maximum in comfort on the move. Skyhook acts by using acceleration sensors that detect movement on all four wheels and the body and instantly adjusts the dampers accordingly.

There are two different settings: Normal and Sport. In Normal mode, the ride is softer, favouring comfort. The driver can switch to Sport mode at any time to stiffen the ride and bring out Quattroporte S’s sporty nature and performance.


Traction and stability control
The Quattroporte S’s dynamic handling is further assisted by the Maserati Stability Programme (MSP). This has been specially designed by Maserati to improve safety and works by integrating the ABS, EBD and ASR, acting on the brakes and the engine in order to give the driver complete control of the car even in critical situations. The programme is based on a series of sensors that are able to pick up any movements that deviate from the car’s ideal handling. Like the Skyhook system, MSP can act according to two different driving styles. These correspond to settings chosen by the driver by pushing ‘Sport’ on the centre console. This setting adjusts the dampers, the traction control and the speed of the gear changes.

Steering
The electronic power steering is direct and precise at speed so the driver knows what the car is doing. At the same time, it is light and easy to use at lower speeds and when manoeuvring.

Weight distribution
The Maserati Quattroporte S’s weight distribution is unique in its category with a slight bias towards the rear end (49% front and 51% rear). This split transforms the luxury saloon into a car where performance is favoured and that rewards the driver with its superb handling. This set up was achieved by shifting the engine behind the front axle to maximise traction and acceleration while also making the car stable and perfectly balanced.

Brakes
The new Maserati Quattroporte S comes with a high performance braking system developed by Brembo. The 360 mm brake discs benefit from dual-cast technology: cast iron for the braking surface and an aluminium hub. This set up takes advantage of the consistent performance of cast iron at high temperatures and from the lightweight aluminium.
The six-piston callipers, of different diameters, are in a single aluminium block. These keep their shape better than two piece calliper sets and offer unbeatable stopping power.
The system is completed by the ABS, that stops the wheels locking under braking, and EBD, that distributes the braking force between the front and the rear axles; both systems are integrated into the Maserati Stability Programme (MSP). This solution offers excellent performance both in terms of stopping distance and resistance to brake fade, even under intense use. The Quattroporte S’s brakes are always prompt in responding and live up to the standards you would expect from a Maserati saloon.

Lights
The new Quattroporte S uses front and rear lights that have been developed to offer only the best in each individual function. The use of LEDs makes a big impact on the car and is one of the elements that link this model to the Maserati GranTurismo.

The most important lighting functions have been improved. The front xenon cluster now boasts the Adaptive Light Control system. This produces a brighter and clearer beam compared to conventional bulbs. The lights also automatically track the movements of the steering wheel so that the beam points to the inside of a curve (up to a maximum of 15ยบ). For safety reasons, when the car is travelling above 120 km/h, the system returns to a traditional fixed position.

The Daytime Running Light function is a useful addition and is made up of ten LEDs set along the bottom edge of the headlight. The indicators catch the eye and the front headlights are memorable for their side-marks that merge flawlessly with the outside edge of the car, with the wiper forming part of the cluster. The fog lights employ an altogether different set up and are located in the bumper to ensure a wider beam.
This system is also used in the rear with 34 LEDs making up each light. This technology was employed because LEDs illuminate more quickly and produce a more intense beam than normal bulbs. They last longer, consume less energy and their performance does not dip over time.


The Maserati Quattroporte S is made to fit its owner like a glove
The Maserati Quattroporte S is a car that is designed to fit around its owner. The typically Italian made-to-measure concept has been applied to Maserati’s flagship saloon in an automotive take on the custom made suit.

Keeping pace with current trends in terms of exclusive materials led to the establishment of the ‘Officine Alfieri Maserati’, reserved for the Quattroporte. The personalisation options are divided into four categories: colour choice, on-board electronics, interior and travel and driving dynamics.

Colour choice
As well as the exterior colour (eleven standard and eight special colours) and interior finish (ten shades of leather), the owner can select from ten dashboard and parcel shelf colours, ten steering wheel colours, thirteen different colours for the stitching, four for the roof lining, six carpet colours and eleven shades for the seat piping. The brake callipers can also be personalised and come in red, silver, titanium, blue and yellow.

Interior and travel
One of the main choices the owner will have to make is about which of the prestigious woods to go for. There is a selection of six: Rosewood, Walnut Briarwood with Bois de Rose inlays, Mahogany with Bois de Rose inlays, Polished Wenge (also available with Bois de Rose inlays) Vavona and Starwood. Alternatively, you can choose a Black Piano or Blue Laque interior finish. The Quattroporte’s front and rear seats can be heated; there is the Comfort Pack for the front and/or rear seats with heating, ventilation and massage capability and the roof can be lined in Alcantara (beige, pearl beige, grey and black). Opting for the Luxury Pack means natural Poltrona Frau® leather used for the upper dashboard area, the parcel shelf and a choice of stitching colours. The steering wheel can be chosen in any of the wood trims and leather, or in Piano Black.

On board electronics
Some of the Quattroporte’s on board features will make the car an especially pleasant place to be. These include the Rear Seat Entertainment system (that includes a screen mounted in the centre, and a rear DVD player), an electronically operated sunroof, front parking sensors and electro chromatic wing and internal mirrors.

Executive Pack
The Executive Pack offers unbeatable passenger comfort with rear seats that heat, ventilate and massage occupants, climate control that can be regulated from the rear seats, side rear window blinds, Alcantara roof lining and wooden pull down tables.

ENGINE
Displacement : 4,691 cc
Bore : 94 mm
Stroke : 84,5 mm
Compression ratio : 11:1
Maximum power : 317 kW (430 bhp)
Engine speed at maximum power : 7,000 rpm
Maximum torque : 490 Nm (49,5 kgm)
Engine speed at maximum torque : 4,750 rpm
Maximum rev speed : 7,200 rpm
PERFORMANCE
Top speed : 280 km/h
0-100 km/h acceleration : 5.4 s
0-400 m acceleration : 13.7 s
0-1,000 m acceleration : 24.7 s (exit speed 220 km/h
80-120 km/h pick up : 3.7 s
100 km/h - 0 km/h braking distance : 35 m
CONSUMPTION AND EMISSIONS
Urban : 23.95 (l/100 km)
Extra urban : 10.91 (l/100 km)
Combined : 15.71 (l/100 km)
CO2 emissions (combined cycle) : 365 (g/km)
SIZE AND WEIGHT
Length : 5,097 mm
Weight : 1,895 mm
Width (including wing mirrors) : 1,991 mm
Width (excluding wing mirrors) : 1,885 mm
Height : 1,438 mm
Wheelbase : 3,064 mm
Front track : 1,582 mm
Rear track : 1,595 mm
Front overhang : 891 mm
Rear overhang : 1,142 mm
Turning circle : 12.3 m
Boot capacity : 450 l
Fuel tank capacity : 90 l
Dry weight : 1,880 kg
Curb weight : 1,990 kg
Curb weight + driver : 2,065 kg
Full load weight : 2,365 kg
Maximum weight technically permitted : 2,400 kg
Weight distribution : 49% front.; 51% rear.

Monday, November 3, 2008

The Truth and Lies About Your Car Insurance

If you are a newbie in insurance policies, it is best to be educated on the subject. There are many myths and realities in dealing with insurance companies. It is necessary for you to have a general idea about such insurance rates so that you won't have problems later on.car insuranceCar insurance is needed by people who want to be assured that their cars won't experience distress, especially when the time comes and they get into an accident or anything else. There are things in this world that you have to be aware and to prepare for. This is why it is vital to assess and choose the most affordable and most reasonable price for your car insurance.

Hence, it is true that the insurance quotes reflect the cost of certain automobile- related expenses. In fact, there are many explanations on how the increasing cost of such insurances is accumulated.

Each year millions of people get into car accidents that involve personal injury. With this type of incidents, the typical price range of such treatment is around $6,000 to $9,000. Thus, this can easily turn into tens of thousands of dollars, depending on the type of car.

This problem is actually joined by the trouble of increasing claims of automobile injury, which are currently as much as 30 % in some states. These dilemmas can turn into the new car insurance holder's burden of additional payments or premiums.

Moreover, another reason for this is the legal expenses that the company needs to pay due to the fact that an average jury award for vehicular liability cases are continuing to rise and can put up the pressure on auto insurance rates.

An average liability can cost from about $187,000 up to $269,000. This was the estimated record from the year 1994 up to the year 2000, respectively. Thus, the number one cause of death for people ages 1 up to 34 is car accident.

According to the United States Department of Transportation, these deaths cost more than $150 billion annually. People who are under the use of prohibited drugs, alcohol abuse, high- speed driving and are not using a seat belt are the leading people who are at risk of such an accident. Auto repair has also increased because of the rapid advancing age of technology, along with construction and design that have now become a must in this era. Automotive innovations and repair costs have increased tremendously and thus, higher car insurance may ensue because of this.

Hence, there is a notion that red cars cost more insurance. This is not true. Colour is never a determinant factor in calculating one's car insurance rate. The factors that are important are the year, model, body, type, engine size and the age of the car. Even if you have a cheap car but you have a large engine, or it is an unusual model, it might cost a lot to have it insured as compared to a more expensive small car.auto quoteThen again, you will pay for a lesser amount in comprehensive coverage, which can cover the damage that is usually brought about by vandalism, hail, fire or even animal accidents. There is also a case, in which, two speeding tickets can make your car insurance rate go up.

Plus, it is also not true that every car insurance company can charge anyone on any way they please. Despite the increasing expenses of this company, they still have a way of covering all the damages and they also have regulators that review their customer rates.

It is also important to take note of the amount of your car, where in, it's insurance will most likely have a relative cost to. This is due to the fact that some companies shoulders only a minimum amount and will not cover certain accidents. Of course, this will result into a lawsuit but they will not include all the damages. So, it is wiser to read your terms and conditions.

Thus, if someone drives your car and there is an accident, you will still be the one held responsible. You will be financially responsible for the accident. In most states, the car insurance that covers the accident is considered the primary insurance holder, which means that the insurance company is the one that should pay for the damages. Hence, there are cases that it is not enough and the driver's insurance is the next in line to pay for the remaining damages. This is primarily why you need to know the car insurance policy in your state, as well as the laws that go hand in hand with it. States and even countries differ in policies politically and geographically.

Aside from this, there are also other factors that are being considered for car insurance rates. Of course, your rate won't be the same as that of your neighbours. Your age, nature of your work, driving record, type of vehicle and marital status are all considered. This can really vary depending on the company's standards. Sometimes, your charge can go down when you turn 25 because this is the time when car accidents go down. The extremes of ages, like that of a teenager and that of the forty year old individual is where the accident rate is at its highest.

Lastly, there is a so called rental reimbursement that can cover and pay for your rental car. This is for cases, wherein, you are on vacation and you just rented a car that resulted into an accident. This will help drivers pay for the damages to the car but this still depends on the limits you selected. Having more than one insurance policy is not really money- saving technique. In fact, it is more expensive. Most of the time, you can save your money by getting the best rate available in one company. Thus, if you want different types of insurance like that of the auto and homeowners insurance, you can look for another company that can give you the best deal. At times, you will get better deals from different insurance companies.cheap online
Car insurance is a way of preparing yourself for some stressful moments while driving your car. Getting one doesn't mean that you are already assuming that you will encou7nter car theft or car accidents. Getting car insurance is a lot like accepting the reality that these things happen and that it is best to be prepared. This is better than not having a car insurance at all and end up paying more, just because you decided is best not to have one. Since car insurances these days have death or disability insurance for the driver or owner of the car, it is a lot like caring for your family and loved ones by leaving them with nothing to worry about.
Since there are many car insurance agencies these days, it is best to assess each one and check which has been in the industry for a long time. You can also check with friends for referrals. This is actually the best thing to do as compared to believing in advertisements and flyers.