Hsien
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Came across this article on ninemsn today..have a look. I hope people find it helpful..
Cheers
Hsien
http://money.ninemsn.com.au/article.aspx?id=270481
Save a truckload on car insurance
May 2007
By RateCity
If you're a young driver, you'd be forgiven for thinking big savings on car insurance premiums don't apply to you. Well, think again. On average you can save around half your premium if you are under 25 and live in New South Wales.
That's just one of the surprising facts uncovered by RateCity. Australia's new consumer finance comparison website.
RateCity road tested 23 car insurers across eight different driver profiles in research commissioned through CANNEX. Almost 10,000 quotes spread over 36 postcodes make this possibly the most extensive research ever undertaken on car insurance in Australia. Soon you will be able to compare car insurance rates on RateCity and find the cheapest premiums for your driver profile.
"Most young drivers in New South Wales have the potential to save nearly half of their car insurance premiums, while at the extreme end of the scale, they could actually save two thirds or around $1800," RateCity executive chairman Andrew Willink said.
"According to our research experts CANNEX, young drivers looking to insure their cars are hardest hit in New South Wales and Victoria, where premiums are steep. However, these are also the states offering sizeable savings for those prepared to shop around."
Western Australia and Tasmania would seem more young-driver friendly with their lower premiums, but the potential to save up to 60 percent on the average premium takes WA right up there for those serious about driving their car insurance dollar further.
The following chart shows the variations between car insurance premiums in each state for young male and female drivers under 25 years of age. With the potential to save up to half the price on average, shopping around for car insurance on RateCity is a must.
Driver profile State Minimum average premium Maximum average premium Potential savings $ Potential savings %
Young male NSW $899 $2692 $1793 67%
Young male QLD $541 $1421 $880 62%
Young male SA $625 $1292 $667 52%
Young male TAS $504 $1058 $554 52%
Young male VIC $821 $1851 $1030 56%
Young male WA $495 $1233 $738 60%
Young female NSW $858 $2643 $1785 68%
Young female QLD $501 $1313 $812 62%
Young female SA $580 $1193 $613 51%
Young female TAS $496 $977 $481 49%
Young female VIC $763 $1710 $947 55%
Young female WA $466 $1139 $637 59%
Car insurance confusion
No two car insurers are alike. RateCity has noted endless variability in car insurance quotes across the country. Where you live, ie. the postcode you call home, makes an enormous difference in premiums quoted.
"The confusion arises because postcode perception has no consistency whatsoever," Willink said. "Some insurers will charge an arm and a leg if you live in a postcode they deem to be risky, while others will give you a great price because they have no problem at all with that postcode."
The confusion deepens, according to Willink, when you throw bad driving records and modified or imported turbocharged cars into the mix. Some insurers will quote a hefty price, others won't quote at all because they simply don't want your business or you may need to phone them direct and talk about the issue.
Premium profiles
To help you compare policies on RateCity, CANNEX has developed a user-friendly value for money ratings system which is available to consumers at RateCity. CANNEX only awards its top five stars to those policies that give the best value for money for each consumer profile analysed. RateCity will do your homework for you, by assessing researched prices plus key features.
Many insurance companies specialise in certain driver profiles, which is why the CANNEX car insurance star ratings are so useful. The CANNEX star ratings are soon to be parked at RateCity, allowing you to compare five-star insurance policies for eight different driver profiles. You can even obtain live quotes from some insurers.
The driver profiles used on RateCity are:
Young driver: male and female under 25
For this profile, we set the car's market value at under $15,000. We gave the driver a rating of 3, 4 and 5 and included one speeding ticket within the last 12 months, as an average driving history.
Male and female driver: late 20s
These drivers have progressed to rating 1 or 2 and are accident-free. A medium-priced car of between $15,000 and $25,000 has been used, with no-one under 25 driving the car.
Couple (or singles) aged 30-59
As there are no young drivers to be considered with this profile, this couple benefits from competitive prices. They qualify for the full no-claim bonus and save even more by covering minor incidents with their own money. Our couple drives a car valued between $15,000 and $37,000.
Couple (or singles): car connoisseurs aged 30-59
No kids, at least not of driving age, and more disposable income mean this couple can afford the more expensive cars they love. Sure, the cars cost extra to insure but this couple qualifies for the full no-claim bonus. For our profile, we have selected the market value of cars driven by this couple to range from $45,000 to $75,000.
Family: with at least one young driver
The stereotypical family consists of Mum, Dad and perhaps a son and daughter aged under 25. The family wishes to insure two cars valued at between $15,000 and $35,000 for the entire household to drive.
Mature drivers: over 60
These longtime drivers are looking for a hassle-free policy which provides a few more features to make their lives easier, should they have to make a claim. Their car is valued at between $15,000 and $20,000 and there are no young drivers to complicate matters.
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Group:
Protek Performance (Preston) - $40
Kamakazi Motor Sport (Blackburn) - $45
NT Performance (Footscray) - $40 incl Lunch :D !!
Dyno runs - 2/3
Printouts - Max KW, HP, Air fuel Ratio + constructive feedback from the dude/dudet and a free peerve (i.e. NT Performance Grrr grrr purrr purrr)
1zzfe's will put out between: 75kw --- 90kw.. ... ..
Stivo's (aka lifta-matrons) will put out between 95kw --- 120kw+
always varaialbe due to:
- Service (oils etc)
- CAI
- Rice bits (hehehe)
- Other go fast bits (clutches, pipes, dry ice... ..)
- Weather (heat soak etc.)
- Dyno calibrations (always good to do in groups/back to back as individual dynos are pretty much useless)
- Fuel (Boosters...)
- Running in period since last ECU resest*
How much will my auto 1zz-fe put out? lol
stock..around 60 something........modified (depending on the bits) low 80s
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For the expense, the hassle and mostly for the relaibility issues, I would be selling the Corolla and getting a Rex or a MPS. The Corolla sportivo is deisgned for 143kw. That means that the engine internals, gearbox internals, driveshaft, Fuel system, engine mounts, engine internals, cooling system, etc is all deisgned around an engine that makes 143kw at the flywheel. 150kw atw means about 200kw at the flywheel.
My problem would be reliability. Once you start getting these numbers, then you will start seeing the life of other components that you haven't stregnthened, seriously deteriorate. Eventually it becomes an unrelaible money pit. If you want a car that has 200kw then let the manufacturer spend millions in development work to make sure everything is strengthened.
I have been down this path before and invested tens of thousands. It went faster than a turbo porsche, but there is a reason those things cost 300k. Anyhting more than intake, exhaust and chip, and you had better have a good mechanic and lots of spare cash in the account. It might take a while to start to see the effects, but once you strengthen one thing, then somehting else becomes the weakest link. You will also never be able to sell it.
Just my humble opinion.
I share the same view.
I ａｇｒｅｅ ｔｏｏ．．．．．．ｂｕｔ ｔｈｅｎ ａｇａｉｎ．．ｉｔ ｉｓ ｓｔｉｌｌ ｆｕｎ ｔｏ ｔｕｒｂｏ ｔｈｅ ｃｏｒｏｌｌａ ｗｈｉｌｅ ｉｔ ｌａｓｔｅｄ．． :P
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OH..NO.........that is just..........eek...yucky
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good to see that you are still in one piece...
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The stock mats will get heel marks in them and will eventually wear right through. If you have your wife/girlfriend/partner/ boyfriend(one for you ROB!!!) who wears heels dirve your car this will happen even quicker. I have placed rubber mats over the top of the factory ones to help keep them clean and reduce heel wear as my wife drives the car more than i do. Mine is over 3 years old and with the rubber mats on top do not have any holes in my mats.
Cheap rubber mats cost stuff all and I'd rather replace them than the factory ones. ;)
i stll got my factory mat sitting my garage doing nothing..since i no longer have my rolla.....anyone want it...??
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I personally dont understand why people want their cars to sound/look faster then they actually are, I can respect it as everyone likes different things, but personally say I race someone I dont want them to think 'how cool is my crappodore I beat a turboed camry' cos they beat a stock camry... instead Im more into the sleeper kinda thing, get some performance mods but dont dont advertise it to much.
i agree with you there..sleeper is the way to go...less chance of someone recognising your car...and scratching it.....
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NNNNOOOOoooooooooooooooooooooooooooo
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According to the April issue of Wheels, this is going to have a torsion beam rear axle
yap..thats what i heard too..that it had torsion beam rear axle...apparently honda was cutting cost :(
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so has anyone had any experience with the TEINs for the corolla, or do you all just rubbish them without experiencing them first hand?
That's a good point haha.
Mate there is a fella on here with a rolla who was running Tiens, but he's dissapeared :(
Might try and hunt him down actually...
I'm still lurking around somewhere.......
The teins for corolla is not too bad...handles pretty well and is also quite comfortable...the spring rate it came with was 3kg front and rear..but u can request for harder spring....i ordered it through fulcrum suspension...pm me if u want any more info
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Hey guys, im wondering if any of you guys are interested in getting some Wildcat Headers for your car.
I got a quote of $330, if i get more numbers the price will drop....
These are the same ones on Gazooms car.
Gains low end and mid...
Anyones iterested? These headers retail for around $400, ive got quote for even high pricing....
Im from Sydney
If u guys are interested let me know cheers.... :D
Auto boxes gain from this too?
yes auto box does gain from it...i hwad it on my auto before with 2 inch cat back system
the gain is 81.5kw (TRD CAI, wildcat extractor, 2inch cat back exhaust) in an auto 1zz
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A mate of mine just showed me this bid on ebay..it is so weird..
....have a lookhttp://cgi.ebay.com.au/New-Life-for-Sale_W...1QQcmdZViewItem
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ouch........that is a terrible start to the new year......drive safe everyone
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Too good to be true....
i agree..that does look too good to be true......get a mechanice to check the engine out..
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or buy 2 houses..renovate them...sell them..making a killing in the housing market..then buy a ferrari with change to spare and buy 2 more houses.........yum....
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Hope everyone had a good year this year and may 2007 be a better year for everyone..drive safe everyone..
Merry christmas and a happy and prosperous new year
Hsien
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Alcohol is over rated...
drink water ....100& natural for your vital organs to work properly....
and you dont get beer guts from water either
Im with you mate.. not much of a drinker and if i do, it'll be a single drink thats not beer.
Water and juice for me too...and also soft drink..but no beer or spirits...
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I see a red one every morning with the Blitzen Kit, looks ok, I Like GT Sti better though
subaru GT Sti for me 2
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yes..i had wild cat header on my rolla too...after reading at the gain that Danz got...i think it is pretty good and low to mid range gain was excellent making the car easier to drive when it is fully loaded with people..
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what is the dimension of your box?
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i just used double sided tape and nothing else
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Maybe keep it stock
haha...funny
but you are prob right there..
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haha......cool.....looks like an interesting job
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Posted
Yes some people don't know the meaning to the word no..but I have to say that I'm a christian and if someone tell me no..then i won't say anything further.. repect each person's personal choice..
but in regarding to buddhism, what about it, is it that you like....my parents are buddhist and I find its philosphies..illogical....so i'm quite curious which philosophies in particular that makes sense to you..is it the reincarnation cycle...or is it something else??