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Car insurance premiums can be confusing if you do not know what the programs that the agents use do. Whether you use an online platform or go in person and sit face to face with a representative, your information will be entered into a computer program that takes your answers and assigns you a risk number. The higher the risk number, the higher your premium will be.

That is the easy explanation of how your premium is calculated, but there are many factors that affect that risk number. Let us look at the most common things that can cause changes in your premiums.

Age-Your age will make a difference on your premium. Young drivers are a higher risk because they are not experienced. This will increase the premiums. As we all reach our mid-twenties rates will come down. As we hit our mid-sixties the premiums will go back up. It is a cycle that we cannot control.Gender-It may not seem fair, but the insurance companies have mathematical equations that use statistics that have been gathered throughout the nation. Check to see what guidelines your specific carrier follows. If you are looking around for a new policy check this out to see how it affects you.Credit-In today’s technological world it is imperative to keep your credit score as high as you can, and your credit history stable. The better your report looks, the cheaper that your rates will be. You should always be improving this report, even for things outside of the insurance world.Driving Record-Your premium will also be based off your driving record. Safe driving can help lower your costs. Companies today have applications, or devices, to track you and monitor your driving habits. They can lower your premiums if you opt in for it. Of course, this could be a bad thing if you drive around like you are in a race car.Location–best auto insurance companies will consider where you live when calculating your premium. This can be good, or bad, depending on your situation. A house in a neighborhood high with crime will cost you more than if you live in an apartment with monitored parking lots. Location can also mean what state and county you live in. Each area will have set minimum amounts and may add on some taxes or fees.Vehicle-The vehicle that you drive will be factored into the price. The more that a vehicle will cost to repair or replace, the higher the premiums will be. To break this down into an uncomplicated way just picture this. Compare an old car that that has metal parts to a new car made with fiberglass. The new car will cost more to fix so you will pay more premiums. And you can take those two cars and find the value of them. The higher the value is, the more it will cost to replace, so the higher your premiums will be.Driving Amounts-How much you drive will affect your premium. If you are walking, or using the city bus, more than you drive it will reflect on your bill. The more miles that you put on in a year, the higher the risk is that you will get into an accident, so your costs will go up.

Each company will have their own factors that they use, but these are the basic ones that you need to be aware of. Some carriers will offer discounts for numerous things that can lower your premiums, such as defensive driving classes and combining insurance policies. If you have something that you think is special, and pertinent, ask your agent. You will never know unless you ask.

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By: Automotive Addicts Contributor
Title: How Car Insurance Premiums are Calculated
Sourced From: www.automotiveaddicts.com/76410/how-car-insurance-premiums-are-calculated
Published Date: Fri, 21 Jan 2022 14:09:11 +0000

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Motor

Here comes trouble: A Triumph TR6 with a Matchless frame

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custom triumph tr6 matchless frame 625x417 1

Kids are impressionable, especially when motorcycles are involved. That magical combination of sound, smell and danger has a way of imprinting itself on young minds. But Kyle Harvey didn’t just dream of bikes as a child—he practically grew up with them.

Kyle’s trade is tool and die making, but his passion is building bikes. His father, Garth Harvey, got Kyle and his brother into bikes at a young age; as soon as they could start their old man’s vintage motorcycles, they were riding them. Living in Edenvale in South Africa’s Gauteng province, the boys also had direct access to the local Classic Motorcycle Club.

 

The folks at the CMC made quite an impression on young Kyle—and taught him everything he knows about vintage bikes. After helping numerous friends work on their bikes, he went on to open his own shop, named simply ‘The Workshop.’ Kyle has been building and restoring classic motorcycles for over a decade now.

This cheeky bobber is his latest build, and it’s immensely fascinating. The engine’s from a Triumph TR6 Trophy, the frame is from a Matchless, and the quirky handmade details on it are endless.

Custom Triumph TR6 with Matchless frame

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By: Ben Pilatti
Title: Here comes trouble: A Triumph TR6 with a Matchless frame
Sourced From: www.bikeexif.com/custom-triumph-tr6-matchless-frame
Published Date: Wed, 21 Dec 2022 17:01:12 +0000

 

 

 

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Motor

The Swan Song of the V12

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The V12 engine holds a special place in the heart of many automotive and motorsports fans. For some, it’s the sound of Formula 1 through the years, especially during the 1990s. For others, it’s engines like the 6.1 L BMW S70/2 from the McLaren F1 or the 3.9L Lamborghini V12 that powered all their cars from the Miura through to the Diablo. No matter where it lies in your heart, it is the “proper” configuration for many: 6 cylinders per bank, put into a V, and firing in an odd sequence to give it that special roar under power.

Yet, as concerns over fuel efficiency, qualms about environmental impact, and high-powered turbocharged V8 or V6 engines are the norm now, the V12 is slowly, but surely, being put to rest. In fact, the only place that V12s are still hanging on by the last threads of their engine mounting bolts are in supercars, hypercars, and a few ultra-luxury cars. Even then, many exotic brands have announced that their next cars will either be V10s or turbo V8s and V6s.

Since it appears that the swan song of the V12 is reaching a crescendo, we thought it only appropriate to celebrate the few remaining cars out there that carry them. It may be the last time we see some of these brands, many of which are known for their V12s.

The Amazing Last V12 Production Versions from the Big Brands

Ferrari 812 Superfast

Ferrari 812 Superfast

Ferrari 812 Superfast. Image via Supercars.

The writing is on the wall for the prancing horse, as the new Ferrari 296 GTB is showing the direction that Maranello is headed. Yet, unless you were invited to snag one of the limited-edition Monza SP1 or SP2 cars, there is still one car you can buy from the legendary marque that has all 12 cylinders fully intact.

The 6.5L F140 GA V12

The 6.5L F140 GA V12
The 6.5L F140 GA V12. Image Via: Wikimedia Commons.

The 6.5L F140 GA 65-degree V12 in the front of the 812 is the last road-going version of the V12 that debuted in the Ferrari Enzo. Producing a monstrous 789 HP and 530 lbs-ft of torque, it is no slouch either, as when the 812 Superfast debuted, it was the most powerful naturally aspirated production car engine ever made.

It has the typical low-rev Ferrari roar that rises into a howl as the car revs up to nearly 9,000 RPM, and will catapult the 3,845 (1,744 kg) car to 60 MPH in 2.9 seconds. As far as a curtain call is concerned, that’s a great way to bow out and focus on hybrids and turbocharged engines.

Mercedes-Maybach S680 4MATIC

2022 Mercedes-Maybach S680 4MATIC

2022 Mercedes-Maybach S680 4MATIC
cedes-Maybach S680 4MATIC. Image via Supercars.

Mercedes-Benz used to be at the very top of the V12 pecking order when it came to luxury performance cars. Such classics as the S 65 AMG from the mid-2000s and the 500 TE AMG W123 Touring from the very end of the 1970s came with big V12s that sound astounding, but the biggest and baddest of the Mercedes V12s left on in a production car is the M279 E60 LA that hauled the S65 AMGs of 2014.

M279 E60 LA Twin Turbo V12

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By: Simon Bertram
Title: The Swan Song of the V12
Sourced From: sportscardigest.com/v12-swan-song/
Published Date: Thu, 28 Jul 2022 10:49:26 +0000

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Road Tested: Gear from Shoei, Akin Moto and Rev’It!

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In our continuing quest to source motorcycle gear that combines safety and style, we bring you our thoughts on Shoei’s new ECE 22.06-approved NXR2 helmet. Plus a stealthy riding parka from Akin Moto, and the perfect pair of urban riding gloves from Rev’It!.

Shoei NXR2 helmet It’s no secret that I’m a huge fan of Shoei’s helmets. Every Shoei I’ve owned has fit and felt right from the first wear, with no major deviations in their sizing or shape from model to model. So when I was looking for a do-it-all street helmet to replace my well-used Shoei RYD, the new NXR2 was a no-brainer… and it hasn’t disappointed.

I loved the RYD for its combination of neutral styling, comfort and ventilation. The NXR2 basically feels like a premium version of the RYD; it has the same clean aesthetic, but ramps up the performance. And it’s one of the few helmets that meet with Europe’s new, and more stringent, ECE 22.06 standard.

Shoei NXR2 helmet reviewRead More

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By: Wesley Reyneke
Title: Road Tested: Gear from Shoei, Akin Moto and Rev’It!
Sourced From: www.bikeexif.com/shoei-akin-moto-revit-review-44
Published Date: Sat, 30 Jul 2022 17:01:31 +0000

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