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Archive for July, 2015

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Rates Vary Greatly by State

Although moving to another state may not be a realistic option to reduce your teen driver’s insurance rate, you should know that rates are often dependent on where you live. Hawaii, or example, offers the lowest increase for adding a teen driver to a married couple’s insurance policy at just 17 percent. The U.S. average for having a teenager on your policy is almost double what you were paying. New Hampshire has one of the highest rates by adding a whopping 115 percent to your current bill. Main, Rhode Island, Wyoming and Illinois also top out at more than 100 percent. The reason for the massive increase is that teenagers are the far and away leading age group for car crashes. Auto accidents are the leading cause of death for youth in America.

Make Your Kid Hit the Books

There are many discounts available for teen drivers, but none as important as the good student discount. A teenager who has good grades is, in effect, telling the insurance company that they are responsible and make good decisions. Insurance companies offer up to 20 percent and more off the cost of a policy for a teen who maintains at least a B average and earns a place on an honor roll or Dean’s list. Being a good student can also help get a better rate on a car loan, which you can check out with your Las Vegas Jeep dealer, Chapman Chrysler Jeep.

Attend a Safe Driving Course

Spending a few hours behind the wheel with a qualified instructor and a few more in a classroom can result in a savings of 15 to 30 percent off the cost of a teen driver’s insurance. Many insurance companies have their own safety courses. State Farm’s Steer Clear program brings an automatic discount of 15 percent upon completion. Liberty Mutual has a similar course that nets even higher discounts.

Distant Students Get Big Price Break

Once your child leaves the home and heads off to college, make sure and check with your insurance company to get all applicable discounts. The Distant Student discount usually applies if they are more than 100 miles away, although all insurance companies differ.

Put the Sports Car on the Back Burner

The type of car that your teen principally drives is very important in determining the amount of insurance. Check with the pros at Chapman Chrysler Jeep for an older model vehicle that has a lot of miles left. If you can pay cash for the vehicle, you can also opt to only pay for liability coverage, which is a tremendous savings in most states.

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Heavy Duty Trucks Crush Competition

The 2016 Dodge Ram HD 2500 and 3500 trucks have more power, payload capacity and towing ability than any other truck in the industry. With a 6.7 Cummins engine that delivers 900 foot pounds of torque, Dodge has created the most gut wrenching power ever produced in an assembly line vehicle. The 3500 beats its closest competitor in towing ability by more than two tons with a total capacity of more than 31,000 pounds. The 2500 rules the ¾ ton pickup market with best-in-class towing capacity of almost 18,000 pounds. Expect to see the first 2016 Ram Trucks at your Chapman Dodge dealer in early October.

1500 Diesel Provides Best-in-Class Fuel Efficiency

To go along with the power offered by its bigger brothers, the 2016 Dodge Ram outfitted with the 3.0-liter EcoDiesel V6 produces a remarkable 29 mpg on the highway. “Ram maintains leadership in all three pickup segments offering best-in-class fuel efficiency, best-in-class towing, best-in-class power and best-in-class payload,” said Ram Truck President Bob Hegbloom. “Ram continues to break records in the most important consumer-driven titles of the pickup truck market and we’re not slowing down.”

Ram Powertrain Warranty Remains Unsurpassed

Buyers not only get a great truck, but purchase peace of mind when buying any Ram truck. The powertrain warranty for gas engines is 5 years and 60,000 miles, while that bumps up to 100,000 miles for diesel engines. Ram and Cummins took a tuning fork to its already potent 6.7-liter diesel engine to coax 35 more foot pounds of torque out of the motor. That’s important when towing heavy loads up long inclines or getting a 15-ton trailer moving from a dead stop. Ram also strengthened the ring gear hardware on the rear axle of the 3500 by adding four additional hardened bolts to compensate for the extra towing capacity.

HD Trucks Come in Multiple Trim Packages

Depending if you want a bare bones work truck that can get the job done or if you want to add a little luxury in your life, all Ram Trucks come with a number of different trim packages. The 2500 HD is offered in 10 different packages from a base truck to the luxurious Power Wagon Laramie. The 3500 HD is available in six different packages, topping out with the Laramie Limited. All the top trimmed packages offer the same power and workmanlike attitude of all Ram trucks, but come with creature comforts like heated leather seats, navigation and Internet connectivity. Drive over to Chapman Dodge and test out the full range of Ram trucks to see which one works best for you.