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The Most Questionable Cars of 2013

Last week we covered some of the highlights in the 2013 vehicle market with our post about the trucks with the best gas mileage in 2013. This week we’re going to cover some of the most questionable cars that the 2013 market has to offer. What makes these vehicles a questionable purchase ranges from not living up to the hype to simply not being a great value. Regardless of the reason they’ve made our list, these are all vehicles you should think twice before purchasing.

Many of the vehicles you’ll find on this list are overpriced because of the hype that surrounds them which is a bad sign when it comes to the long term value of your car. It’s important to always think beyond the car lot when you’re ready to purchase a vehicle because of the fact that you might need to use the equity and the value of vehicles that are artificially overpriced will lose a considerable amount of value over time making it hard to get an auto title loan in the future.

In addition to losing their value some of these vehicles will also end up costing you more when it comes to auto insurance, with those things combined these are the cars that have made our list of the most questionable cars of 2013.

Not So Smart Car

The Smart for two smart car has seen a high success rate across Europe. The smaller streets and road-side parking make this vehicle highly useful in those countries.

The high price and poor fuel economy is worth the price when you can find a parking spot 15 minutes faster than before. The car has seen nothing but failure here in the U.S. for the same reasons the vehicle is “worth” the price across the Atlantic.

On top of the price and poor fuel economy for a compact smart car (32-36 combined, depending on model), the Smart for two lacks the visual appeal that many car owners—that are looking to pay the price—would be willing to pay for.

When they’re ready to spend $12-15,000 on a new hybrid, why not go with one that looks more appealing with better gas mileage? Nissan is currently working with Mercedes to create a more appropriate replacement.

The Scion

The Scion iQ is next up on the list. Although it got quite a bit of attention in 2012, the 2013 version has only landed in the possession of 1,009 buyers. Various reviews reported that the car was slow, tiny, and expensive.
Buyers who thought that they might find more room in the back to make up for the speed were severely disappointed when they found the cargo area lacking in space and usability. Its positive review comes from its perfect place in city-life driving.

The Fiat Fad

The Fiat 500 boasts about 3,000 sales a month. That’s not bad considering the Scion’s lack of success, but it’s still not doing as well as the creators had hoped for before.

It’s “cute.” Consumer Guide called it “brimming with European personality” even. It even gets moderate gas mileage (31 in the city, 41 on the highway), but that’s not enough to make the $16-22,000 price tag. On top of the price, the car is cramped and lacking in the engine power found in competitors.

Judging by America’s track record though, this car will become fashionable as it begins to fade from the minds of Europeans. Take a look at the Fiat 500 again in a few years.

They Actually Called it The Cube

Next, take a look at the Nissan Cube. First instigated in 2009, it has hardly changed its shape or usability over the past 4 years. This year’s model is no exception.

The designers hoped to create a car that is roomier and fuel efficient at the same time. Although they were able to create a machine to fit those needs, the Cube just simply hasn’t caught on with the public. It never found a niche in the market. Consequently, it hasn’t done as well as other cars out there doing the same kind of thing: like the Kia Soul.

The Kia Version of The Cube

The Kia Soul hit the market like the cube should have, but failed at. An interesting mix between the mini-cooper and Cube, the Soul is Kia’s second-best-selling car.

The Outdated Lexus

The Lexus GX 460 is holding onto a design that has slowly faded out of style over the past 10 years. It continues to keep the style of an SUV from the early 2000’s.

It’s tall, and keeps similar perpendicular proportions of the times. Not to mention its combined fuel economy sticks around 17 mpg on a good day. Maybe there are a few people still looking for the old-style SUV, but most end up spending their money on the Lexus RX instead.

The Dated Runner

The Toyota 4Runner is another model of car holding on to the old ways. It’s most recent body design was made in 2009, making it a car in transition. It’s blocky and hasn’t caught up with the rest of the industry in terms of technology inside the car though.

This may be the perfect fit for some that look for the 4Runner to continue doing what they’ve always known it to do. Although it may seem unthinkable, there is still a market for people who don’t care about the newest looks or gadgets in the car.

For one reason or another though, these cars manage to sell enough cars for you to see many of them on the road. Some sell better than others. Some work better than others. Everyone has their own taste for a vehicle though and choices are made accordingly. It will be interesting to see how these designs survive or fail in the future.
Title loans can be taken out for these vehicles just as easily as they can be taken out for any other popular car on the market. Luckily title loans are determined based on the fair value of the car, not on whether or not the car catches on or flops in the market place.

Understanding Three Fundamental Aspects Concerning Car Insurance

One of the more aggravating aspects to owning a vehicle is paying the monthly auto insurance premium. Car insurance is essential for any car owner to protect themselves and their vehicle from damages and accidents.

But choosing a type of auto insurance policy, paying for one, and understanding what auto insurance myths are common on the market will greatly aid a person throughout the process. By understanding the basics of these three aspects to auto insurance, an individual will be able to better negotiate the world of car insurance.

The first basic understanding of car insurance that people will need to comprehend is that there are multiple types of coverage options for car insurance. The most frequently underused and misunderstood form of coverage that would greatly aid all car owners is comprehensive auto insurance.

Comprehensive auto insurance is a complementary aspect to car insurance that, when working in tandem with a collision insurance coverage option, can provide extensive auto insurance coverage. And although its name makes it seem like comprehensive auto insurance is an all-encompassing safety blanket form of insurance, it is important for consumers to understand what exactly is covered under a comprehensive auto insurance plan.
To clear some of the initial confusion, perhaps it would be best to refer comprehensive auto insurance as its other common name—other than collision or OTC insurance. This distinction helps to establish that comprehensive auto insurance is coverage on a vehicle that has been damaged without being involved in a car accident.

Some of the perils that an OTC or comprehensive auto insurance policy provide insurance coverage for include:

  • The theft of the vehicle. Although it should be noted that comprehensive coverage does not typically provide insurance coverage for individual personal items that may be stolen from the vehicle.
  • Damage incurred from falling objects such as tree limbs, power poles, or roofing materials.
  • Damages sustained from hitting an animal. Typically a bird or deer depending on the area where the subscriber lives.
  • Acts of vandalism incurred upon the vehicle.
  • Fire damage from an outside source or accidental ignition.
  • And damages sustained from natural disasters or severe weather. This often includes coverage from hail storms that can greatly damage a vehicle and would otherwise not be covered by insurance.

Because of all of the potential dangers to a vehicle beyond a car wreck, may have chosen to purchase comprehensive auto insurance to protect their vehicle from both mishaps and car accidents. Once a type or form of car insurance coverage has been chosen and policy decided upon, a person can begin to plan paying for the car insurance.

Monthly premiums on standard car insurance policies are typically costly enough to require that an individual or a family specifically budget for the expected expense every month. The cost for car insurance can be managed by working the price into the family’s monthly budget, but for the initial payment, before a budget that includes the insurance premium has been created, a family may wish to take out a small title loan to cover the cost.
A title loan is a small and safe loan that is borrowed on the value of the vehicle’s title. Title loans are easy to pay back and most can be repaid in full on the person’s very next payday.

With payment of the premium included in the budget, and with the initial expenses taken care of with the help of a small title loan, a family can enjoy the security of a well insured car. But there are several myths that surround car insurance that every insurance subscriber should be aware of.

Like with most things in this world, auto insurance has its own set of myths and false preconceived notions that can put the uniformed individual at a disadvantage while trying to decide on an auto insurance policy or even after they have received a policy. Here are a few of the most common myths surrounding auto insurance and what people will need to know to avoid falling for them.

  • The color of the car will influence premiums. A full quarter of individuals who were surveyed incorrectly assumed that painting their vehicle red would make their insurance premiums spike. The theory is that red cars are more sporty, therefore more powerful, therefor more costly to insure. But the truth is that most insurance companies rarely ask the subscriber for the color of their car.
  • Auto insurance will always include coverage on theft, fire damage, hail damage, or property damage. While most people may believe that having auto insurance covers every expense that could be incurred on their vehicle, the reality is that unless the person has comprehensive auto coverage the above losses to a vehicle will not be covered by standard auto insurance policies.
  • Car thieves steal new cars. Because of the rarity of parts in older models, especially those old junkers that are out of production on any level, an experienced car thief is actually more likely to steal older cars. The thief gets a bigger payday when they bring old cars with hard to find parts into a chop shop rather than a new luxury vehicle that is more or less common on city streets. Yet still, citizens believe that a new car will have an added boost to the premium due to the potential for theft.

These and other common auto insurance myths plague the everyday car owner. Before making any decisions concerning car insurance, be sure to speak with an insurance professional to clear the confusion and to get the best deal possible. If you’re looking for the best prices on insurance let Check City do the work for you.

Preventative Insurance; Preventative Measures

Having the right insurance can make all of the difference in the world for a family who finds themselves in the middle of a catastrophe.  Emergency planning for the family, having suitable insurance for damaged or lost items, and taking precautions against the most common form of house destruction—a house fire— are all vastly important safety precautions that every family should consider taking.

The first step for a family to take while striving to become prepared for any disaster is to ensure that they have suitable insurance coverage.  Whether the disaster in question affects the entire region, such as would happen when a natural disaster strikes, or the catastrophe is a more personalized disaster like a fire in the home; both will require suitable preparation beginning with insurance.

Purchasing home insurance can be one of the most difficult and frustrating tasks for a family to undertake.  The process of sorting through policy options and providers can be incredibly taxing as can dealing daily with harassing insurance salesmen.

And beyond these stressors there is a delicate balance that will need to be taken to ensure sufficient coverage to the home while being able to avoid overspending on monthly premiums.  With these and other concerns weighing on the family, most would not think of visiting their local Check City Utah location to help them with their home insurance needs.

When people think of Check City they usually do not think of insurance. They may think of our much recognized Payday loans or check cashing services but rarely do they hitch Check City and insurance together.

But Check City does provide independent insurance agents who will work with you by finding the right insurance coverage for your needs and coverage that will help to safeguard your family against any future disasters.  Additionally, our insurance agents are competent and friendly and will work with you as you begin your search for quality and affordable insurance for things beyond the home including auto, renter’s, RV or trailer, watercraft, motorcycle, and even small business commercial insurance.

Our insurance agents take the stress out of purchasing an insurance policy by working for you to find and compare insurance plans form multiple insurance companies. Their job is to find the right amount of coverage that will be suitable for your needs and at the best price possible. All you need to do is sit down with them and discuss exactly what you are looking for in an insurance plan and they will go to work finding a plan that fits your specifications.

There will be no hassling solicitation calls from insurance companies you have contacted through your efforts in searching for a policy because our agents will do all the necessary contacting and gathering of information. Additionally, there will be no effort on your part to shop around and compare coverage plans because we also will be in charge of that.

Our agents will highlight and illustrate they key differences between insurance providers and their insurance plans for you to ensure that you have all the information possible that will allow you to make an informed decision before spending money.  Choosing the right insurance agent can make a big difference in the quality of coverage you are presented with as well.

Some insurance agents take short cuts by providing template portfolios of previously gathered insurance plans that have no customization to the individual at all. At Check City, you can be assured that you are receiving a variety of options and choices on your insurance policies that will allow you to purchase the best possible insurance plan for you.

Armed with proper insurance, a family can begin to fully prepare against unseen disasters in the home.  The most common form of personal disaster involving the loss or damage of a home is the ignition of a fire in the home.

Even the smallest of kitchen fires can cause great and extensive damage to a person’s home.  Flame and smoke quickly eat and decay a structure’s materials and cause severe personal property damage.

Recovering from such a disaster can cost a family or individual hundreds and sometimes thousands of dollars.  The best way to ensure you are not one of the unfortunate homeowners who are affected financially by the damage incurred by fires is to prepare and plan ahead.

By making sufficient and quality preparations, a homeowner can be assured that they will not be shelling out their own money to repair and restore lost possessions.  As stated previously, perhaps the first and best way to be prepared for a fire in the home, or any other disaster, is with proper homeowners or property insurance.

At Check City we are capable and prepared to offer our insurance services to residence of Utah at competitive prices and with the coverage that will financially back up your possessions.  Come in to our store locations and talk with an Insure Utah representative to explore our homeowner’s insurance policies and find an insurance plan that will best suit your needs for home fire protection.

Beyond being well covered with insurance, the best way to prevent a fire within your home in the future is by implementing proper preparations and preventative measures in your home now. The initial and crucial preparation that should be taken by families is to install and maintain working smoke alarms.

These can be purchased at almost any hardware store and are the primary fire safety tool that will ensure your family’s personal safety in the event of a fire.  As a homeowner, you should install your smoke alarms on every level of your home, and, if possible, in multiple rooms per level.  Smoke alarms should be properly maintained by testing them monthly, cleaning and dusting them regularly, and replacing the batteries in them once a year.

A large amount of fires that begin in a home are ignited by misuse of electricity within the home.  One can prevent electrical fires in the home by using electrically outlets responsibly by not overloading their circuits.

Electrical fires can also be avoided by the correct use of appliances within the home.  When appliances malfunction and are in danger of causing an electrical fire there will often be warning signs that accompany those malfunctions.

These warning signs can include unusual smells emanating from the appliance caused by irregular overheating and sparks from the electrical source of an appliance.  If these warning signs occur the appliance should be immediately switched off, unplugged and repaired or replaced.

Safety with respect to potential ignition points should be paramount when preventing a fire in the home.  By taking these and other known precautions, such as limiting the use of portable heaters, a family will be able to not only prevent fire damage but will be physically secure in the event of a devastating fire in the home by the proper use of smoke alarms.  Doing so and having suitable homeowners insurance will also literally pay you back by saving potentially hundreds of dollars on fire repair costs.

But often times disasters can strike without warning and can have catastrophic results.  When an unseen emergency takes place the time for a family to prepare has passed and the time for action is at hand.

For those families who are prepared with home insurance and who have planned out an action plan to be followed by their family members, a sudden disaster or emergency does not need to be an overwhelming event.  But for those families who do not have a sufficient action plan in place for their family members, an emergency situation can be as chaotic as it is dangerous.

When first planning for a disaster or emergency action plan, a family should consider that most often they are not in their homes when a disaster strikes. Therefore the first step in an appropriate action plan will be to list out all the regularly attended locations that each family member will most likely be in when confronted with an emergency or disaster.

These commonly attended locations often include a place of work, school, religious worship, shopping centers, recreational locations and even places such as one’s own vehicle or public transportation services like buses or trains.  Once a family has listed out the possible locations where they may be at the onset of a disaster or emergency they can begin to plan out what each family member should do to better protect themselves in each of these locations.

Often, public places such as schools or businesses including shopping centers will have their own emergency action plans in place.  It will be beneficial for a family find out what these specific emergency action plans are of the places they frequent and educate themselves on what to expect should a disaster strike while at these locations.

Once those plans are in place a family can begin to make additional preparations for those emergencies that can be weathered from within their homes.  One should include in this type of preparation an emergency kit that may have things such as water and food, clothing, communication tools and other survival gear such as matches and a flash light.

Preparations by families against all forms of disaster, including one of the most frequent disasters of a fire in the home, will enable the safety of that family should such disasters strike.  While having suitable and affordable insurance will enable a family to have their personal possessions secured if any disaster should befall the home.

Why is Auto Insurance so Important?

One of the services we are able to offer to our customers is providing auto insurance through Insure Utah. We strive to make our financial services a complete suite which will help out any person who comes into one of our locations. Auto insurance is unique because it is mandatory in order for people to drive.

So why is auto insurance so important, to the point where it is a law?

Auto insurance protects everyone who is on the road. When it all comes down to it, there are a lot of variable all moving around at once on the road. It may be weird to think about, but every car is a roughly a ton of weight moving at high speed, with a person in charge of it. We are all human, and despite our best efforts mistakes happen every day.

Auto insurance protects drivers by insuring their car and helping with whatever costs might arise due to what happens on the road. This can cover human mistakes which lead to accidents, or it can cover a windshield which randomly takes a small rock head-on and chips. There are so many things which could possibly affect a car or the person behind the wheel that coverage needs to happen.

We all need to be protected and know that everyone else on the road is as well. When everyone has a stake in the experience, it makes it so that driving is safer and more effective. And should something happen, we all can rest easy knowing that our insurance will help to take care of the costs and the paperwork.

By having auto insurance from a good provider, you can be covered and protected while on the road. Check City is there to provide you with anything that you need! Stop by any location, and let our friendly and knowledgeable staff take care of you and your needs.

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