With the beginning of every fiscal year the global automobile market witness the launch and introduction of different new cars. Especially in the month of April, as a new fiscal year begins, various car manufacturing companies go for up-gradations in their present existing car models and introduce all-new car models. In fact, redesigning and updating the present existing car models with greater frequency have been the major trend that the auto industry has been following for many years. This year too, the anticipations are very high among car lovers and the search for new cars is going to be once again very tricky with the introduction of new brand cars. Starting from utility vehicles to sports sedans, this year too car lovers can expect something more in order to suit their choice and price range. Therefore, in this new fiscal year if you are looking to purchase a new car then here are some of the best brand new car models that you must look for:

BMW X1– In the month of April, BMW is going to introduce a brand new car model X1 in the Australian auto market. Featuring fully variable Valvetronic management, variable double-Vanos camshaft adjustment and an adaptable intake system, this new X1 model can easily accelerate to 100km/h in 9.7 seconds. Talking in terms of its exterior look, at the front, the peculiarly shaped bonnet and the dynamic three-eye look of the headlights actually makes a striking impact, and the L-shaped taillights in combination with the horizontal flow of lines visually broaden the rear view. It features agile handling, spirited acceleration along with a decent ride and a well-finished interior which definitely makes it more impressive.

Volvo C30 – The much awaited and expected new car model from Volvo is also going to be introduced in the market in April, 2010. This new affordable Volvo C30 is going to be class on its own as it will represent safety, quality and eco-friendliness in its best form. The model is best in its range and guaranteed to offer the most composed handling, stylish looks and a classy, well-built interior.

Fiat 500– This year, all those who have always admired and loved driving Fiat car models are going to witness Fiat’s first Abarth model in Australia. Provided with unique features such as 17-inch wheels, bigger brakes, firmer suspension and an even wilder body kit will make it pleasure to drive. It is a perfect model of ardently designed car that contains everything starting from superior, technological, and refined accessories. The car is also going to be loaded with great features like electric drive door mirrors, airbags, anti-lock brakes, leather steering wheel and folding and adjustable rear seat. It can be considered as the vintage Fiat’s iconic car model that is going to give you a comfortable and joyful driving experience.

Nissan Altima– The Altima has always been one of top-rated family sedans for years, and this year too its refreshing model for 2010 is going to get much better. The new model will have an improved gas mileage and expected to feature standard ESC in all the trim lines. The all new Altima is also expected to offer an appealing balance of comfort and performance. The interior cabin is more spacious and well finished. With features like secure handling and spirited acceleration, this new Nissan Altima is going to make your driving more pleasurable.

Volkswagen Polo GTI– Car lovers in the month of April are going to witness the launch of the fifth-generation Polo as well. This brand new car model will be available in three-door and five-door hatch body styles. Adding to this, the model will also be available with three engines including a 77kw/175Nm 1.2 litre turbo petrol engine. Adding to this, the new model is also going to have a very sleek exterior featuring body coloured bumper and dashing front grille. Moreover, you may even get amazed after having a look at its interiors that includes some of the most prominent features such as dual tone dashboard, leather covered steering wheel & gear knob along with relaxed and sporty seats. Apart from all these, this new model is also going to score high on safety features as it includes ABS with EBD (Electronic Brake-Force Distribution) along with Hill Hold Control that may further enhance the stability while driving.

These are some of the best car models that you can expect to witness in various showrooms and running on the road in the year 2010. So by now if you have decided to buy any of these models, the next best thing you must perform is a proper research regarding the authentic dealers as well. No doubt, owning a car does matter, but the importance of having a good car evaluation and selection process cannot be ignored. Buying a new car involves a good sum of money and it is always better to have a car that can give you true value for money.

The large number of storms that have swept through one area of the country are keeping both repair companies and insurers on their toes. That’s because the damage from these storms in Mankato, Minnesota, has wreaked havoc on automobiles and homes alike. The scene is poised to repeat itself across the nation as tropical storm season gets into full swing, so auto body shops better brace themselves for the onslaught of work hail and strong winds are certain to bring about.

According to the Free Press, “The June combo platter of hail and tornadoes [in Makato]… continues to tax the resources of home and auto-repair entities” two months later. In fact, one auto body shop in the area estimates that it has “repaired 30 to 40 hail-dinged vehicles thus far with no let-up in sight.”

While such demand for their services is forcing auto body shop owners to work 14- to 16-hour days, they’re not the only ones dodging the heat. Automobile owners who are reeling from the damaged sustained by their vehicles are also having to put in some overtime-in sniffing out auto body repair scams.

The Valley Chronicle out of Hemet / San Jacinto, California, recently ran an article pointing out that some of these so-called “repairs only damage vehicle.” The report highlights a vehicle owner whose cosmetically damaged truck prompted two men to knock on her door and offer to “get out the dent and repair the paint” for $70. As the icing on the cake, they also said they “would repair the damage and restore the paint on her 1993 Cadillac deVille.”

If the offer sounds like it was too good to be true, it was. When the vehicle owner “went out to examine the work when the men were finished, she found they had not only not done the work well, but had sprayed the back of her car with something yellow.” Turns out the paint they used was house paint. After shelling out an additional $80 to the scam artists, the auto owner had the good sense to take her vehicles into a professional auto body shop to mitigate the damage. “The estimate came out to $591.80, which… is hundreds of dollars more than the original repairs would have cost” had she not fallen prey to her predators.

To the victim’s credit, the men presented themselves as auto body shop employees. Only later-too late for her wallet- would she discover that “the name of the shop is not listed in the Hemet phone book, nor is any auto body shop by the name they gave listed in surrounding communities.”

So how might she have protected herself? By entrusting her vehicles to a reputable auto body shop with a longstanding tradition within the community. Having a team of auto body professionals who work with the objective of getting you back on the road quickly and with the confidence that your vehicle has been restored to your complete satisfaction is worth the extra initial investment.

With your vehicle in the capable hands of an auto body shop that is known throughout the community as a leader in quality collision repair, you can rest assured that no knock-offs or cheap imitations will ever be used. You can also enjoy the confidence that your repair will be guaranteed to measure up to your exacting standards.

For OE fitment to its new M3 Coupe, BMW has chosen Michelin’s Pilot Sport tire. The new M3 has a 414bhp V-8 engine and is promoted by BMW M GmbH as a racecar tire for daily use. It can be deduced that Michelin selects its ultimate sports tire, developed in consonance with engineers from BMW M, as a rational option.

Michelin stated BMW M GmbH has selected a racing tire made for the street to ensure that its new coupe tightly grips the road and feels like a Formula 1 race car. The tire manufacturer equipped the cars which won both the Driver and the Constructors championships two years in a row. Since the release of the first generation model, Michelin tires have equipped the BMW M3. The manufacturer also fitted other cars produced by BMW M, including the M5 and M6.

What’s the fourth generation M3?

The E92 model is a car that first arrived in 1986. It had a four-cylinder engine with around 200bhp back then. But now, the new car doubles that with a V8 and 414bhp, but the basic ingredients are retained: rear-wheel drive, a limited slip differential and a motorsport-inspired engine that revs to a gigantic 8400rpm.

At first, it will be available only as a two-door coupe. Expected to follow next year is a convertible and four-door saloon. The broaden range is hoped to help break the 100,000-unit barrier for the first time. However, the last M3 – 2000’s six-cylinder E46 – is a tough act to follow.

The M3 gets two more cylinders. And some auto journalists view the move as a brave one and something that transformed the M3 from a motorsport product to the international icon it is today.

The last car’s 3.2-litre six-cylinder wouldn’t meet forthcoming emissions regulations and rivals upped the game with V8s, leaving Munich with no other option but to match them. The American market has been a big consideration too. Fifty percent of all cars expected to go on the Stateside.

Therefore, this is the first time the M3 has largely changed since 1992.

And just like in 1992, the E92 will leave the hardcore craving more. Now, a nice woo fly warble under lighter throttle loads precedes a hard-edged charge for the red line. The spine-tingling zinginess of the E46 car is also gone. It is now replaced by a more mature but still exhilarating, progression.

The quest for a high-revving engine has not surprisingly left a hole in the torque low down, so you need to be able to stir that six-speed manual, which is the only option for now though SMG will follow, to really get moving. The box is carried over from the E46 and obviously shares its characteristics: direct but a bit stiff.

People who are moving have two options: pack and move everything themselves or hire a moving company to do the moving part for them. There are lots of moving companies out there and there are an increasing amount of them that are scams. Here is what you should look for when you are selecting a moving company to make sure that you don’t get taken advantage of:

1. Beware of any prices that seem too low, especially if that estimate is only provided over the phone or via the internet.

2. Legitimate moving companies base their costs on the weight of materials that need to be moved. How much room it takes up in the moving truck is not important. Do not trust any moving company that tries to tell you otherwise.

3. A good moving company will come to your home and look over the stuff that you will need to move. They will look at the quality of the items and how much there is to pack up. The estimate they give you will be based in large part on this visit. Any moving company that says they will not or do not need to come out to the home are not worth spending money on.

4. If the moving company demands a lot of cash or a huge deposit up front, chances are that they are not legitimate.

5. All legitimate moving companies will provide you with a copy of Your Rights and Responsibilities When You Move. The federal government requires that moving companies provide you with this information. If your moving company fails to do this, then chances are they are a scam.

6. Moving companies that are not scams will give you information about their insurance and their licensing information. You will also have easy access to their contact information. Any company that is hesitant about providing this information is probably a scam.

7. Beware of any company that answers the phone with a generic “movers” or fails to provide you with a company name. All legitimate companies have real company names.

Here are seven fun stories about Hollywood:

The Universal Maniac

In 1999, an Australian gentleman told me about an interesting experience he and his family had at Universal Studios. They were on the backlot tour passing one of the theme park’s main attractions, the Bates Motel used in the 1960 horror classic Psycho, about a murderous young man named Norman Bates who loved his mother a little too much. As the guide gave out information about how director Alfred Hitchcock shot the picture, a tall man, dressed in drag and carrying a large knife, emerged from behind the old set and charged toward the tram. The narrator seemed to know nothing about the Norman Bates look-alike and clammed up completely. The make-believe killer wore such a convincing maniacal expression that some of the paying customers were frightened and screamed when he raised his weapon. Then the “fiend” pulled off his wig and he turned out to be comic Jim Carrey; the thirty-seven-year-old star was clowning around during a work break. After his laughing “victims” calmed down, Jim was happy to pose for pictures and sign autographs.

The Wildest Guest

Longtime staff at the old Ambassador Hotel in Los Angeles had many candidates for the most outrageously behaved celebrity guest. There were the hammy Barrymore brothers who always tried to outdo one another; after the drunken John earned many stares for bringing his pet monkey in the hotel’s famed Moroccan-style club, the Coconut Grove, Lionel arrived there with seven chimps. Chaos erupted when the well-dressed guests chased the animals as they swung through the paper Mache trees. Then there was famed movie theater owner Sid Grauman who told Charlie Chaplin that he found a dead body in his hotel bed. The tramp fled in terror when Sid pulled back the blankets, not realizing he was looking at a wax dummy covered in ketchup. But it was hard to top the antics of actress Tallulah Bankhead who once called for room service, answered the door in the buff and told the bell boy no tip; she had nothing on her.

Marlene’s Wartime Regret

Marlene Dietrich found her true calling entertaining the Allied troops in 1943. The forty-two-year-old actress, who never enjoyed making movies, got a crash course in how to talk to audiences. Nothing could be tougher or more fulfilling than performing in front of young men who might die in battle the next day. The Berlin-born American citizen overcame suspicions that she was actually an Axis spy, and was proud of spurning Hitler’s request to return to Germany. After World War II ended, she enjoyed being a lusty cabaret singer for many years and tried never to take herself too seriously. Marlene, whose long list of romances ranged from John Wayne to General Patton, once mentioned to her husband that she should have married Hitler back in the thirties, and then there would have been no war. She laughed when he agreed and stated that the Fuhrer would have killed himself much sooner.

We Don’t Want a Hit

Executives at United Artists Studio were unimpressed viewing the initial footage of Sean Connery playing James Bond in the 1962 spy thriller Dr. No. The thirty-two-year-old Scottish actor, whose receding hairline was carefully hidden by a toupee, seemed to change his accent in almost every scene. Sure, the former Mr. Universe runner-up was a formidable presence, but did Connery have the sophistication to play the suave super spy 007, a role originally meant for Cary Grant? The studio kept the completed film on the shelf for many months before releasing it in England where it was a smash. Well, it had to be a fluke; Bond was English, after all. Six months later, they released it in the USA where it did great again. Dr. No led to a hugely successful James Bond franchise and made Sean Connery an international star. It failed only in Japan, where movie-theater owners translated Dr. No to read, “We don’t want a doctor!”

The Battle of the Munchkins

The actors who played the Munchkins in The Wizard of Oz were hard working and much maligned. In the 1960s, the often-inebriated Judy Garland became a favorite TV talk show guest and would trash her former co-stars from the 1939 classic. She would make up tales about them being drunk, swinging from chandeliers, getting into knife fights, making lewd propositions to her, and being rounded up for their scenes in butterfly nets. In real life, the New York- based Leo Singer Midgets had won the lucrative Oz contracts in a hard- fought battle with another group of little vaudevillians managed by dwarf actor Major Doyle. There was much animosity between the two rival bands of performers. The cigar- chomping Doyle was in his apartment on Fifth Avenue, still fuming over the job losses, when a phone call instructed him to look out the window. Three busloads of tiny entertainers mooned him and then it was on to California.

Walt Disney’s Daughters

Walt Disney’s two daughters, Sharon and Diane, grew up sheltered from the limelight. The children had no images of Mickey Mouse around their home. Their father didn’t go to many parties, preferring to stay in after a long day of work. Sometimes he would playfully chase the youngsters upstairs, cackling like the evil peddler woman in Snow White. When they behaved badly, Walt would admonish them with a raised eyebrow; his stern demeanor inspired the character of the wise old owl, in the 1942 animated feature Bambi. As toddlers, the brainy Diane and beautiful Sharon stayed blissfully unaware that their parents worried about them being kidnapped and allowed no pictures of the sisters to be publicly circulated. Once in 1939, a curious classmate questioned six-year-old Diane about her family. She went home and said, “Daddy, you never told me you were that Walt Disney,” and asked him for an autograph.

Who Won the Race?

Writer/director Billy Wilder liked to mess with producer Samuel Goldwyn’s head. The Austrian-born Wilder, who had fled Europe when Hitler rose to power, respected how the former glove salesman from Poland had good taste in stories, even though Sam hardly ever read anything. One time Wilder pitched the mogul a screen idea about Nijinsky, the famous Russian ballet dancer. Goldwyn was dubious, Wilder persisted; the story had great cinematic possibilities. As a young man, Nijinsky danced for the Bolshoi and received international acclaim. Then he met the great love of his life, was rejected, ended up in an insane asylum and thought he was a horse. Goldwyn stared daggers at him. Sam didn’t just fall off the turnip truck. The public would never pay to see something so negative.

“Don’t worry, Sam, it has a happy ending.”

Goldwyn asked what could possibly be happy about a man who believes he’s a horse.

“He wins the Kentucky Derby!”

Many pet owners love the benefits of crate training their dog but are not pleased with the general look of having a large box in their family living space to house their pet. As a result, many purchase a dog crate cover to help camouflage the crate and allow it to blend in more readily with their d├ęcor. In their attempt to solve the problem of an eye sore in the home, owners are quickly realizing that the benefits reach far beyond aesthetics.

Most models are constructed of fabric, which leads to a wide selection of fabric styles, colors and patterns. If a pup’s home is located in a place that is drafty, the cover can provide extra warmth. It if is located in an area that receives a good bit of sunlight, it can provide shade. There are even models designed for outdoor use, providing extra protection from the elements. In any case, if the pet’s comfort level is increased, this can impact not only health, but behavior in a positive way.

For a puppy that is recently weaned, a pet crate cover can create an environment that feels particularly cozy and secure. This can help your canine adjust to a new environment and may even help it sleep better through the night.

Some models come with various accessories, adding to the comfort level provided for your animal. It is possible to find pet crate covers that are sold in a set and include a mattress and bumper. Some retailers also offer matching pillows and blankets for purchase. Again, the more secure and comfortable the space is, the more inviting it is to your animal.

Be sure to speak to the retailer about sizes offered. There are a number of standard sizes available, and some retailers also offer custom options. Another consideration is how many doors or openings are included. Some dog crate covers are made with only one door, while others have more. Some models allow the sides to be pulled or rolled up and fastened at the top, offering an opportunity for your pet to have a wider view, and be more engaged in its surroundings. These can then be dropped or zipped back into place for quiet time.

While researching your purchase, it is helpful to consider all the possible benefits, and not focus strictly on the appearance. This will result in something that is pleasing to both you and your dog.

England may not have the most flavorful foods, but it sure can make spicy sports cars. Jaguars, Lotuses and MGs are just a few of the big time thoroughbreds in the UK’s stable, but what really gets their motors running is a Superchips programmer. You see, stock engine computer settings prevent your motor from functioning at peak performance. The Superchips power programmer resets your vehicle’s brain/computer to unleash maximum horsepower, torque and efficiency.

Of course, it takes plenty of experience and know-how to get all the engine settings working in perfect unison for optimal performance, and Superchips has just that. Since their founding in 1983, Superchips has been tinkering with computer-controlled vehicles. Over the years, Superchips has learned the intricate ins and outs of properly proportioning airflow, timing and other settings. In fact, racecars tuned by Superchips have captured the checkered flag at countless international races.

Now, this track-tested technology is available for your vehicle. Best of all, you can pick up your Superchips programmer for less when buying from online parts and accessories stores.

Below are some Superchips product and brand reviews that I was able to find searching online:

“The Superchips gave me more power. I feel it when I am going up hill or when I am passing an other vehicle. The response when I hit the accelerator is really quick. When you install the chip you will notice the difference from stock. Try it for your self.”

“2006 300C 5.7 hemi, I never bought a tuner before, i read a lot of great reviews and bad reviews about this one. there is not a lot of control with this tuner mostly turn items off or on. on 87 octane you see only shifter changes nothing on engine performance but at 91 octane it does wake up the performance of the 5.7 hemi and i think the engine does run smoother with 91 v 87 they say to run in owners manual. Overall it’s a little pricey but i think it’s worth it.”

“i have a hypertech, kept reading about superchips, took a chance got it, better than the hypertech, changed shift points hypertech doesn’t do, felt bigger difference in power, worth every penny”

“I purchased a Superchip for an 06′ Chevy Tahoe Z71 4×4. I never did like the start 1-2nd gear, doggy. The chip made a bid difference, I can get up and go and not have to look back…”

“This is the second Flashpaq I have bought and used within the last year. The first was used on a 2005 Ford F250 pickup with a 5.4 gas engine. The reason I purchased this Flashpaq was I was towing a 29 ft. trailer (RV) and the vehicle simply was not powerful enough to pull the trailer without shifting into passing gear (3500 rpm) going up small hills and at times just keeping up with traffic. I purchased the tuner hoping that I could tow without the truck screaming half the time I was towing. While the tuner did help somewhat it really came down that the engine was not large enough to pull the trailer. Soooooo out with the Ford gas engine and we purchased a 2006 Chevy Silverado 6.6 diesel engine. This vehicle had more power than I would ever need but I felt I could improve the miles per gallon since I was paying up to .30 cents per gallon over gasoline and although the gas engine could not be helped powerwise I did like the difference in shifting and smoothness while accelerating. I purchased the Flashpaq for the diesel through AutoAnything (where I bought the first tuner, they’re price was just the lowest I could find on both occasions.) After reprogramming the diesel I was amazed at the power and smoothness of the engine, it seemed effortless in acceleration from a stop or while passing. I also picked up a shade over 2 mph in town. When towing, the truck had no problem on hills, passing or starting out from a stop, what a world of difference. In short if you have a vehicle that is capable of towing and you want more power, better running and improved miles per gallon buy the Flashpaq.”

Figuring out Medicare is a frustrating task. The amount of mail that a consumer receives upon turning 65 is astronomical. Everywhere you turn, someone is claiming to offer you “the best plan.” Since you have only one open enrollment window, selecting a plan without fully understanding it can be devastating in the long run. It’s important to find a trustworthy Medicare supplement insurance agent who understands how various plans work.

How do you choose a credible person to work with who will care about your best interests? Here are a few tips for scouting out an ethical, experienced agent.

1) Beware mail that you receive directly from an insurance carrier. These are solicitations, and if you call the phone number listed, you will reach a representative who offers only that one company’s products. Does this person have your best interest in mind? Probably not, since he only earns his living if he can convince you that his product is better than the rest. Instead, you want a broker who represents numerous carriers so that he or she is not biased when explaining your options, and won’t try to steer you to any product that doesn’t fit your needs.

2) Look for an agent who specializes in Medicare-related insurance products. The world of insurance is vast – there are agents who sell group health insurance, individual health plans, cancer plans, disability, life insurance, etc. Medicare products, however, are complex and require considerable time on the agent’s part to be certified to represent these products. If an agent sells too many types of insurance, chances are he hasn’t put in the necessary amount of time to really know all the ins and outs of Medicare. In other words, a jack of all trades is the master of none.

3) Search for signs that demonstrate experience. Does the agent have a website with an email address related to that website, or does his business card say that you can email him at just a yahoo or hotmail account? Does he have an office location where you can walk in the front door if there’s a problem with a claim? An agent’s office is a great neutral zone where you can get the information you need and leave when you want to if you’d like to sleep on the information before making an insurance decision. In this day and age, you don’t want a stranger asking to come into your home to meet you because that agent doesn’t have an office. Meeting with this person in your home puts considerable pressure on you to buy something right then.

4) Lastly, does the agent have staff to help answer questions from callers like you? An agent who works alone will often be in meetings with other prospective clients in the future, so it could be hours or even days before your call is returned. It’s in your best interest to work with an established agency where there are employees on hand to answer your questions if your personal agent is on another call.

By following these tips, you can locate a credible, knowledgeable person who doesn’t pressure you, but rather approaches your phone calls and meetings as educational.The broker should take time to ensure you understand not only how Medicare itself works but also how the supplemental insurance product you eventually choose matches your goals. This broker can become a trusted resource and advisor for years to come.

In summary, consult an independent agent who specializes in Medicare-related products and is appointed with many carriers. He or she should have should have an agency location with staff trained in Medicare market products to answer urgent questions. The agent should offer to conduct meetings in an office conference room, or over the phone if you prefer that. Finally, don’t hesitate to ask for references. Any agent worth his salt can provide testimonials from satisfied clients who can share how the agent was helpful to them when they were going through the same process that you are.

Cat lovers might think that the ultimate experience in their lives may be to have a big non-domestic cat as a pet. The idea of having a big cat of one type or another may seem fascinating, alluring and possibly even beneficial to the animal but there are a number of very serious considerations to take into account. Here we look at the main issues.

Cost

Let’s start with the purely practical – keeping a big cat is extremely expensive. Just buying the cat is a sizeable chunk of money with a Bobcat costing in the region of $900, a serval or caracal around the $1500-2000 mark, a tiger cub £2500 and an ocelot as high as $15,000. This is just for the initial outlay for the animal itself and doesn’t cover any of the other expenses such as housing and of course the big one – food.

In addition to the cost of buying the animal, you will also need to have state and federal permits that can be expensive, awkward to obtain and will keep needing to be renewed, with a cost associated each time. If the permits aren’t correct, your animal can be seized. You will also often be required to have special liability insurance in place in case the cat causes damage or harm.

Land

Many states have specific requirements about the amount of land and other facilities you need before you can consider getting a big cat. For most, this is at least 5 acres of land and this land must have an eight-foot perimeter fence around it. This wall cannot be part of a cage either so if you are keeping them in an enclosure, this needs to be inside and separate to the perimeter fence. You must also have a roof on the area to prevent them escaping.

Vet care

Another issue is finding a vet able and willing to deal with this kind of animal and who will be on call is there is a problem. Most don’t want the risk of having themselves or their staff exposed to this kid of animal. You will need a piece of equipment called a squeeze cage that can handle the entirety of your cat’s weight and their full size to be able to have people check it if there is a problem and these can cost anywhere up to $2000 alone. Not only that but the logistics of getting an 800 pound animal anywhere will likely involve a fork lift truck as well as very substantial a transport vehicle.

Food

Big cats need meat and a lot of it. There are no commercial big cat foods you will find in the supermarket so this means finding a butcher or other supplier who will be able to fulfil your needs. And these cats need a diet that cannot be varied without risking the cat’s physical and mental health. Dealing with all of that raw meat is also a health hazard so needs to be done in a careful and specific way to protect both the cat and the humans in the home.

With the weather turning warm, people everywhere are breaking out their favorite summer “toys,” including recreational vehicles (RVs), boats, motorcycles and all-terrain vehicles (ATVs).

Unfortunately, you can’t assume that your part-time vehicles are properly insured under an existing auto and/or homeowners’ insurance policy. And rather than simply tacking these substantial investments onto another policy, it’s best to look into policies designed specifically for each.

RV Insurance

Insurance coverage for RVs such as travel trailers, motor homes, fifth wheels, and truck campers offer protection that ordinary auto insurance doesn’t offer. Here are a few reasons to consider RV insurance in addition to your auto insurance policy:

  • Roadside Assistance: Even if your auto policy covers some roadside expenses, it may not cover towing that big, heavy RV – leaving you to pay the bill.
  • Financial Protection: Insurers that offer RV coverage often have claims representatives who know how to look for damage specific to RVs, including specialized RV parts like awnings, slide-out stairs and appliances.
  • Personal Property Protection: Your “home away from home” probably houses things you wouldn’t keep in your car such as camcorders, laptops and jewelry, which may not be covered under an auto policy.
  • Protect Your Investment: RVs are expensive! It’s best to carry “full replacement cost coverage” to ensure payment in full if the vehicle is irreparable, rather than reimbursement based on current market value.

Boat Insurance

Don’t assume that your shiny new boat is covered under your homeowners’ policy. A boat is, for all intents and purposes, a moving vehicle. As such, you need coverage similar to an auto policy, including protection for:

  • Bodily injury that your boat inflicts on others.
  • Property damage your boat inflicts on docks and other boats.
  • Physical damage to your boat, should you hit something or run aground.

You’ll also want to consider comprehensive coverage against theft, vandalism, fire and flooding; personal property coverage for fishing gear and other items; uninsured boater insurance (like uninsured motorist insurance) and even “boatside assistance” in case you need a tow.

Motorcycle Insurance

Motorcycle insurance is essential – and like car insurance, can vary in price depending on the type of bike you ride. In other words, insuring a high-performance sport bike usually costs more than covering a lower-powered bike, scooter or moped.

The components of a comprehensive motorcycle policy are also similar to auto coverage, including collision insurance (to cover damage to your bike resulting from an accident), comprehensive coverage, bodily injury liability coverage, property damage liability coverage, uninsured motorist insurance, and roadside assistance.