Choosing & Insuring a Hybrid Car by guecakep21


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									Choosing & Insuring a Hybrid Car

If you're an 'in market' hybrid car shopper or in the midst of
researching a new purchase of an energy efficient car, there are plenty
of things to keep in mind.First, you will want to examine the specific
hybrid's estimated gas mileage - and be sure to ask when the gasoline
engine kicks in, too. You may find that if you drive a lot of highway
miles at faster speeds and the gas engine kicks in at 35 mph, you may not
save as much money on fuel as you expected.You'll also want to consider
any tax saving credits that being offered. There is a federal income tax
credit (up to $3,400) given on the first 60,000 hybrid models sold.
After that benchmark is met, the credit is gradually phased out. maintains a list of eligible vehicles and the current tax
credits available, but you should also confirm with your dealership.Also,
you may want to think about hybrid car insurance. Some insurance
companies offer a discount on hybrid car insurance - others do not.
Hybrid cars are still relatively new to the marketplace, and shopping
around for discounts that come with hybrid car insurance will pay off in
the long run.To be truly eco-friendly, you'll also want to check the
green rating for that particular hybrid car.

According to the American Council for an Energy-Efficient Economy
(ACEEE), four of the top 12 greenest vehicles of 2008, feature hybrid
powertrain engines. However, there is a bigger environmental impact to
consider. Some of the hybrids feature nickel batteries, which cause more
long-term environmental damage than their gasoline counterparts. If you
are interested in a hybrid car, be an informed consumer and check the air
pollution scores, greenhouse gas scores, and other features that impact
the environment.Be aware that as a result of the growing popularity of
hybrid cars, especially the Prius, you may pay over-sticker price because
of the demand. You may also have a hard time locating the exact model you
want, or be placed on a waiting list.The best-selling hybrid cars of 2008
include:Toyota PriusWith a $21,500 base sticker price, the Toyota Prius
isn't exactly cheap.

However, it's still a reasonably affordable hybrid car option for many
consumers, especially after factoring in the fuel savings achieved due to
the Prius' 45 city/48 hwy mpg rating by the U.S. Environmental Protection
Agency (EPA). It is classified as the most fuel efficient car in the
U.S.Currently the best-selling hybrid car, the Toyota Prius has been
embraced by Hollywood - it's a favorite among celebrities like Cameron
Diaz, Leonardo DiCaprio, Jennifer Aniston, Larry David, Julia Robers,
Jennifer Lopez, Gwyneth Paltrow and Harrison Ford.Many Prius owners claim
to achieve over 60 mpg, and those employing hypermiling techniques may
fare even better. For consumers averaging much less, the Prius sounds
like a gift from heaven.

However, the Toyota Prius may take some getting used to.Overall, getting
into a Toyota Prius seems more like entering a spaceship than an
automobile. However, once you get beyond its odd shape, you'll find
alarge on-dash computer screen offering instant feedback on your gas
mileage, as well as a rearview camera (you'll need it in this vehicle due
to blind spots). And you may miss other options, like a sunroof, which
reduces fuel economy, too.Honda Civic HybridThe Honda Civic Hybrid car
has an EPA-estimated city/highway rating of 40 city/45 hwy mpg and a base
sticker price of $22,600, comparable to that of the Toyota Prius.

The Honda Civic hybrid features an Advanced Technology Partial-Zero-
Emission Vehicle (AT-PZEV) rating, which is the most stringent emission
standard achieved by a gasoline-powered vehicle in the U.S. In fact, it
is classified as one of the most fuel efficient cars in America, along
with the Toyota Prius.In terms of looks, it's hard to tell the standard
Honda Civic from its hybrid counterpart. They are nearly identical.Toyota
Camry HybridThe Toyota Camry Hybrid car has a base sticker price of
$25,650 and is a good option for those looking for a little more luxury
and fuel efficiency. It looks like the standard Toyota Camry on the road,
but offers a quieter ride due to the special acoustic-dampening
windshield made to absorb road noise.

The Toyota Camry hybrid car has an EPA-estimated city/highway rating of
33 city/34 hwy mpg rating, which not as good as either the Prius or Civic
Hybrid cars. However, as a mid-size sedan, it offers room for the entire
family.Ford Escape Hybrid SUVKnown as the most fuel efficient SUV on
earth, the Ford Escape Hybrid SUV has an EPA-estimated city/highway
rating of 34 city/30 hwy mpg rating and base sticker price of $26,640.
It's available in both 2-wheel and 4-wheel drive, and features a tough,
rugged look, although technically it's still considered a cross-over

According to U.S. News & World Report, the Ford Escape hybrid is ranked
15 out of 27 in terms of affordable compact SUVs, a few spots below the
gasoline version. The new 2008 model was redesigned to provide a more
comfortable rise and mature appearance.Overall, the Ford Escape hybrid
has received good, thumbs-up reviews in publications ranging from the New
York Times to Newsday.Hybrid InsuranceYou'll find plenty of information
online at, from a specific vehicle's energy impact score,
carbon footprint statistics and EPA air pollution score to its
eligibility for a tax credit. Other helpful green vehicle information is
available at the EPA Web site.

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