Friday, August 10, 2012

10 Steps to Buying Auto Insurance

When it comes to auto insurance, you want to be adequately covered if you get in an accident, but you don't want to pay more than you have to. Unfortunately many people are doing just that, simply because they don't want to spend time shopping for car insurance. It's not inherently enjoyable, after all, despite how it looks in commercials featuring disgruntled cavemen and joke-cracking spokespeople.
But by doing some comparison shopping, you could save hundreds of dollars a year. When one of our editors used a rate-comparison service, he got basic coverage quotes for his two old cars that ranged from $1,006 to $1,807 — a difference of $801 a year. If you're paying thousands to your current insurance company because you have a couple tickets, an accident or an out-of-date and unfavorable credit rating, shopping your policy against others might be well worth the effort. Look at it this way: You can convert the money you save into buying something you've wanted or needed for a long time.

Step 1: Decide How Much Coverage You Need
To find the right auto insurance, start by figuring out the amount of coverage you need. This varies from state to state, so take a moment to find out what coverage is required where you live. You will find a list of each state's requirements and an explanation of the various types of insurance in
"How Much Car Insurance Do You Need?" Also, check out "Little-Known but Important Car Insurance Issues," which has a glossary of basic insurance terminology. If you're a first-time driver and need a comprehensive overview of car insurance before you go on, review this guide from the National Association of Insurance Commissioners. Now you're ready to make a list of the different types of coverage you are considering.
Once you know what's required, you can decide what you need. Some people are quite cautious. They base their lives on worst-case scenarios and insurance companies love that. Insurance companies are in the risk business, and they know a policyholder's likelihood of being in an accident, as well as how likely it is for a car to be damaged or stolen. The insurance company crunches the information it has collected over decades into actuarial tables that give adjustors a quick look at the probability of just about any occurrence. You don't have those tools at your disposal, so your decision will depend on your own degree of comfort in assuming a certain level of risk.
Experts recommend that if you have a lot of assets, you should get enough liability coverage to protect them. Let's say you have $50,000 of bodily injury liability coverage but $100,000 in personal assets. If you're at fault in an accident, attorneys for the other party could go after you for the $50,000 in medical bills that aren't covered by your policy.
General recommendations for liability limits are $50,000 bodily injury liability for one person injured in an accident, $100,000 for all people injured in an accident and $25,000 property damage liability (usually expressed in insurance shorthand as 50/100/25). Here again, let your financial situation be your guide. If you have no assets that an attorney can seek, don't buy coverage unnecessarily.
Your driving habits might also be a consideration in determining the coverage you need. If your past is filled with crumpled fenders, or if you have a lead foot, or if you make a long commute on a treacherous winding road every day, then you should get more complete coverage. Collision coverage pays for damage that your car experiences in an accident or damage from hitting an inanimate object (a tree, light post or fence, for example). Comprehensive coverage addresses damage that didn't occur in a collision — such as from fire, theft or flood. It also covers damaged windshields.
Keep in mind that you don't have to buy collision and comprehensive coverage. Let's say your vehicle is older, you have a good driving record and there is little likelihood that your car would be totaled in an accident, but a high likelihood of it being stolen. Then you could buy comprehensive coverage and skip the collision insurance.

Step 2: Review Your Current Insurance Policy
Read through your current policy or contact your auto insurance company to get the information you need. Jot down the amount of coverage you have now and how much you are paying for it. Take note of the yearly and monthly cost of your insurance, since many of your quotes will be given both ways. Now you have a figure to beat.

Step 3: Check Your Driving Record
You should know how many tickets you have had recently. If you can't remember how long that speeding ticket has been on your record, check with your state's department of motor vehicles. If a ticket or points you earned are about to disappear, thus improving your driving record, wait until that happens before you get quotes. Nothing drives up the price of insurance like a bad driving record.

Step 4: Solicit Competitive Quotes
Now it's time to start shopping. Set aside at least an hour for this task. Have at hand your current insurance policy, your driver license number and your vehicle registration. You can begin with online services. If you go to an online site to get a quote for an insurance rate, you can type in your information and begin to build a list of companies for comparative quotes. Keep in mind that not all insurance companies participate in these one-stop-shopping sites, however. If a recommendation from friends and family or other research points to a company that you think might be a winner, you can go directly to its Web site or call its toll-free number to get a quote.

Each quote form takes about 15 minutes each to complete. It might be well worth your time, since if the entire shopping process takes you two hours and you save $800, you're effectively earning $400 an hour.
When you use these sites, you might not get instant quotes. Some companies may contact you later by e-mail. Some that are not "direct providers" might put you in touch with a local agent, who will then calculate a quote for you. (A direct provider like Geico sells insurance policies directly to consumers. Other companies, such as State Farm, sell insurance through local agents.) You can learn more about the various kinds of agents here.

Step 5: Gather Quotes and Company Information
While you're researching companies, take careful notes so you can easily make price and coverage comparisons. Keep a list of:

  • Annual and monthly rates for the different types of coverage. Make sure to keep the coverage limits the same so you can make apples-to-apples comparisons for cost and coverage.
  • The insurance company's 800 telephone number, so you can get answers to questions you couldn't find online.
  • The insurance company's payment policy. When is the payment due? What kinds of payment plans are available? What happens if you're late in making a payment?

  • In later steps, you'll add some more information to this list.
Step 6: Work the Phones
Once you have gathered information online, it's time to work the phones. Contact those companies from which you haven't been able to get an online quote. Doing the research by phone can actually be easier and faster than on the Internet, provided you have your driver license and vehicle registration close at hand. When you get a quote over the phone, be sure to confirm the price by asking the representative to e-mail the quote to you.

Step 7: Look for Discounts
When you're making these calls and shopping online, make sure you explore all your options relating to discounts. Insurance companies give discounts for such things as a
good driving record, your car's safety or security equipment and certain occupations or professional affiliations. Some companies are now offering lower rates if you enroll in "pay as you drive" plans. Some will give substantial discounts for young drivers in the family who have high grade-point averages. (You can use this as an incentive to your teen drivers and offer to share the savings with them.) Also consider using the same insurance company for home and auto policies. That will usually get you a better price. For more guidance on discounts, check out "How to Save Money on Car Insurance" and "Top 10 Ways To Lower Your Car Insurance Bill."

Step 8: Assess the Insurance Company's Track Record
You now have most of the price and coverage information that you need to make a decision. You can see which company's coverage is least expensive, but it's important to keep in mind that cheap isn't the only basis for choosing an insurer. How do you know which company is financially sound? How do you find out if an insurance company is going to treat you right — particularly in the event of a claim?

Here are some places to check to develop a clearer picture of an insurance company's track record for fairness, financial stability and customer service.
    1. Use the National Association of Insurance Commissioners' Consumer Information Source to access information about insurance companies, including closed insurance complaints, licensing information and key financial data. You also can visit your state's department of insurance to check consumer complaint ratios and basic rate comparison surveys.
    2. Consider contacting an independent insurance agent for additional information about a company.
    3. Check out the financial strength ratings for an insurance company by referring to the ratings from A.M. Best and Standard & Poor's (registration may be required).
    4. Review consumer satisfaction surveys from J.D. Power and Consumer Reports (subscription required).
    5. Ask friends and family about their insurers and whether they're satisfied with them. In particular, ask them how their insurance companies treated them if they had a claim. Did they get fair, straightforward service? Or was it a hassle to get the matter resolved?
Step 9: Review the Policy Before You Sign
When you're done your research and zeroed in on a company, read over the main points of the policy. In addition to verifying that it contains the coverage you've requested and priced, it's a good idea to find out if the policy states that "new factory," "like kind and quality" or "aftermarket parts" may be used for body shop repairs, says Dennis Howard, director of the
Insurance Consumer Advocate Network. If the policy has such a requirement, think hard about whether this is the company for you, particularly if you own a relatively new car that you plan to keep for a while. In this case, it's best to know at the outset that the insurer will pay for original manufacturer parts, rather than try to fight later, when you have a claim.

Step 10: Cancel Your Old Policy; Carry Your Proof
After you have secured the auto insurance policy you want, cancel coverage with your existing insurance company. If your state requires you to carry proof of insurance, make sure you put the card in your wallet or the glove compartment of your car.

    Finally, here's a quick checklist to keep you on track:
    • Determine your state's minimum insurance requirements.
    • Consider your own financial situation in relation to the required insurance and consider whether you need to increase your limits to protect your assets.
    • Review the status of your driving record — do you have any outstanding tickets or points on your driver license?
    • Check your current coverage to find out how much you are paying.
    • Get competing quotes from Internet insurance Web sites and individual companies of interest to you.
    • Make follow-up phone calls to insurance companies to get additional information about coverage.
    • Inquire about discounts.
    • Evaluate the reliability of the insurance companies you're considering by visiting your state's insurance department Web site, reviewing consumer surveys and talking to family and friends.
    • Review the policy before finalizing it. Remember to cancel your old policy.

Back to School Car Care Tips

For College and High School Students - Save Money and Bring Parents Peace of Mind

With a new school year here again, parents and students are diligently preparing by purchasing books, selecting new clothes, and stocking up on supplies for the classroom. These items are truly essential for any successful educational experience, but what about the student’s means of transportation? Have they thought about the reliability and safety of the car that gets them to and from school?
Proper vehicle maintenance is an important issue that many parents fail to address before their child goes back to school. Whether they’re driving 200 miles to college or three miles to the high school, students should know the basics of auto maintenance. It’s a survival skill that will serve them well throughout the remainder of their adult lives.
“During the school year, a student’s vehicle will be required to go through just about every driving condition imaginable and experience huge swings in weather conditions,” explains Michael Cox of Affordable Automotive in Canton, Michigan. “The trouble is, many young drivers don’t know, or even care, how their car works and what they need to do to keep it good working condition.”
In a survey, it was found that 76% of children have their own car and 82% of those were bought used. And, over half of the cars children own cost under $10,000.
“Most of the cars that students drive are bought used and typically have higher mileage on them,” explains Cox. “It’s just natural that with higher mileage comes more frequent maintenance. The everyday wear and tear on the car becomes an issue and when it’s ignored it eventually costs more.”
“Usually a breakdown becomes a huge hassle that is dropped in the lap of the parent at the worst possible time. If students were taught the importance of good car maintenance habits even the highest mileage cars would be safe and reliable,” he continues.
According to Cox, there are six key maintenance tips every student - high school and college age - should know.
Know how your car works. “It’s amazing how many young people don’t know how the automobile works. Because cars have become so complicated, working with dad on the family car on a Saturday morning has almost become a thing of the past. The basic knowledge of how to maintain and make small repairs has been lost on younger people. It’s important to pop open the hood and explain to them the different parts of the car including where and how to check fluids. Something basic like this can save them a lot of money in the future.”
Keep up with basic maintenance. “The simple things like oil changes and tire rotation make a big difference over the life of the car. Also, making sure that all fluid levels including brake, transmission, and coolant of the car are properly filled is very important. This type of regular maintenance is inexpensive and doesn’t take long but is one of the most critical things you can do to insure you have a reliable car.”
Follow the maintenance schedule in the owner’s manual. “Most major repairs cost more because the car’s owner ignored the manufacturer’s recommended maintenance schedule. Car’s wear out; there’s no way around it. When you put off a mechanical problem for a long period of time, it only gets worse and costs a lot more in the end.”
Get to know the sounds of your car. “Cars are noisy contraptions and each one has a unique sound and personality. It’ really important to know your car and be able to recognize what kind of noises are normal and those that are not. If a strange noise is coming from under the hood, chances are something is wearing out and needs maintenance. By paying attention to your car and knowing its sounds, you’ll know when something is wrong and fix it before it’s too late.”  
Pay attention to your dash board lights. “The gauges and warning lights on the dash board are the best indicators of how your car is doing. When the temperature gauge rises or the oil pressure gauge drops, you know you have a problem that’s serious. The “Check Engine” light is also important but often ignored by young drivers. This detects more subtle problems that typically lead to bigger issues. Don’t ignore this light, its there for a reason!”
Have your car inspected before you buy. “When you purchase a vehicle, even a used one, you are not looking at it objectively. The excitement of getting a new car causes you to overlook the unpleasant details of what repairs will soon be needed. A qualified mechanic can thoroughly inspect the car and spot major repair issues before you buy. Their experience and knowledge of the repair history of different brands will help you avoid making a costly mistake. No one wants to buy a lemon, and unfortunately, someone is always trying to sell one.”
By following these practical tips students can make sure their vehicle is reliable and ready when they need it. And, parents will have the peace of mind that their child is driving in a safely maintained car.

An Ideal Fit for Students

The ever-popular Honda Fit has been recognized by the automotive experts at as one of their 10 Best Back-to-School Cars of 2012. According to the website, which is the online headquarters for Kelley Blue Book: “Shuttling friends and hauling cargo are definite musts for any student, and few subcompact cars do either as well as the Honda Fit. With an uncommonly flexible rear seat—it folds down AND up—the Fit can accommodate an impressive variety of people and cargo configurations. Backed by a full tank of Honda reliability, the Fit is also a smart choice to go from high school to grad school, and all the way to the real world.”The Fit can go a lot further than that, too, thanks to EPA grades of 28 mpg city/35 mpg highway/31 mpg combined, and the high-value Honda aces its economics class with an MSRP of $15,325 for the 2013 model year—unchanged from 2012. Other back-to-school benefits include a standard 160-watt audio system with USB port, 10 beverage holders, and an available satellite-linked nav system with voice-control functionality. Those features and more have helped the Fit garner an impressive list of other industry accolades this year, too, with the car also winning the “$16,000 Subcompact Shootout,” presented by, USA Today and MotorWeek; earning Top Safety Pick status from the Insurance Institute for Highway Safety; and making its sixth appearance on Car and Drive’s “10 Best Cars” list.

Capping off this prize-winning performance, the Fit is literally the Most Ideal Economy Car in the country, recently capturing that crown in the Autobytel/AutoPacific Ideal Vehicle Awards.

Thursday, August 9, 2012

2013 Honda Civic Changes

Honda recently brought along their 2013 Civic to the 2013 Accord dealer viewings States-side and we have some preliminary information from insiders about the changes coming to the 2013 Civic. It appears that the DX model will no longer exist with the LX model becoming the entry trim level. Standard feature content will increase with a backup camera standard in every model, standard Bluetooth and standard i-MID screen. The front end will be overhauled with a completely new hood, new headlights and revised grill and a new lower intake designed for better aerodynamics and the rear end will receive new taillights. Interior-wise, the quality has been stepped up considerably in areas where the 2012 Civic has been criticized for; the dash and seats. The dashboard will receive a massive overhaul. It looks like the 2013 Civic Sedan will receive most of the exterior and interior modifications while the 2013 Civic Coupe remains the same on the outside but still receives the interior changes.  

This comes on the heels of an announcement made by Honda executives to Honda's R&D in the US that the next-generation North American Civic (should debut in 2016-2017) will be completely developed in North America. 

Honda Takes Comprehensive Approach to Enhancing Driver Visibility with Widespread Application of Rearview Cameras

Honda is taking a comprehensive approach to enhancing driver visibility and confidence on the road beginning with the widespread application of rearview cameras on 2013 models. Over 94 percent of Honda's 2013 model lineup1 will be equipped with rearview cameras, with 100 percent of Honda's truck lineup (Crosstour, CR-V, Odyssey, Pilot, Ridgeline) as well as CR-Z, Accord and Crosstour providing rearview cameras as standard equipment.
"At Honda, we feel that this visibility feature will be important to many families and we're widely applying it even before we may be required to do so," said Vicki Poponi, assistant vice president of product planning for American Honda. "In addition to the wide application of the rear-view camera technology, Honda is also introducing several new features for enhanced driver safety, visibility and security in model-year 2013."
Rearview cameras are just one aspect of Honda's comprehensive 360-degree approach to technologies designed to enhance a driver's visibility, demonstrated by a host of features available on 2013 Honda models. Safety technologies such as Honda's new Forward Collision Warning (FCW) and Lane Departure Warning (LDW) systems will be available on the 2013 Honda Accord and Crosstour. Both systems use a camera mounted behind the windshield to warn drivers of a potential collision in front of them or to alert drivers if the car is unexpectedly moving out of its lane.
Other Honda features aimed at improving driver visibility are the Expanded View Driver's Mirror - already standard equipment on the 2012 Honda CR-V - and the Honda-exclusive LaneWatchTM blind-spot display. LaneWatch uses a camera mounted on the passenger mirror to provide an enhanced view of the passenger-side roadway. This unique technology will debut on the 2013 Accord followed by the 2013 Crosstour.
Honda and Safety
Honda's current lineup of cars and trucks has earned some of the highest ratings in government and third-party safety testing, with four models - including the only minivan - that have received a 5-Star Overall Vehicle Score in the government's NCAP program. Nine Honda models on-sale today have received the highest possible safety rating of "TOP SAFETY PICK" from the Insurance Institute for Highway Safety (IIHS) under its more-stringent testing guidelines implemented in 2010.

Civic is Top-Selling Compact Car in U.S.

Civic is Top-Selling Compact Car in U.S.
You know that the 2012 Civic is selling well, but do you know it was the top-selling compact nameplate in the U.S. in May – and its May sales numbers also made it the top-selling compact nameplate in the U.S. Year-To-Date (YTD) , according to the Automotive News Data Center? In fact, Civic was #4 overall in the list of Top 10 Vehicles by sales in May and #5 YTD.
Here is a list of the Top-10-Selling Compact nameplates and their YTD 2012 sales through May according to the Automotive News Data Center.
·         Honda Civic (135,082)
·         Toyota Carolla/Matrix (125,079)
·         Ford Focus (110,237)
·         Toyota Prius (107,504)
·         Chevrolet Cruze (94,901)
·         Hyundai Elantra (80,114)
·         VW Jetta (69,599)
·         Mazda3 (50,692)
·         Nissan Sentra (46,773)
·         Kia Forte (33,339)

Wednesday, August 8, 2012 Announces Best Family Cars of 2012 Announces Best Family Cars of 2012 and have announced their selections for the Best Family Cars of 2012.  In making their selections, editors considered safety (all vehicles selected are equipped with antilock brakes, electronic stability control, and a minimum of six air bags; most are Insurance Institute for Highway Safety TOP SAFETY PICKS), fuel economy, kid-friendly features, and overall value.
Three Honda models made the list, including the Civic Hybrid, CR-V, and Odyssey.  Here are the categories in which each Honda vehicle was selected, editors’ comments about it, and a list of editors’ favorite features. 

High-Mileage Cars: Honda Civic Hybrid
·         Editors’ Comments: ‘The redesigned Civic Hybrid is a pleasure to drive and is sleek inside and out.  A cool digital readout lets you display mileage, speed, radio stations.  And the loaded version, with on-board navigation and leather seats, clocks in at under $27,000, making it among the most affordable full-feature hybrids.”
·         Favorite Features: Standard steering-wheel audio controls, IIHS TOP SAEFTY PICK designation, standard USB jack, standard Bluetooth® capability, 5-passenger capacity, 2-car seat capacity.

Crossovers : Honda CR-V
·         Editors’ Comments: “The cabin of this redesigned crossover is reminiscent of a minivan, with a slew of cup holders and a gear shifter situated on the dashboard.  Standard features include a backup camera, a rear armrest to keep warring siblings apart, and rear seats that fold flat with a single touch.  Fortunately, two things that didn’t change are the CR-V’s carlike feel and superb handling.”
·         Favorite Features: Standard steering-wheel audio controls, all-wheel-drive availability, IIHS TOP SAFETY PICK designation, standard USB jack, standard Bluetooth capability, 5-passenger capacity, 2-car-seat-capacity.

Large Vehicles: Honda Odyssey
·         Editors’ Comments: “You’d expect a stable ride from a vehicle of this heft, but the Odyssey somehow manages the corner like a midsize car.  It has endless storage compartments and second-row captain’s chairs that slide forward (to get closer to you) and sideways (to put extra real estate between siblings or make room for three car seats in the row).  An optional middle seat in the second row transforms into a cool beverage and snack tray when no one’s using it.  You can stow the third-row seats with a simple tug, yielding room for a weeklong summer vacay – and then some.”
·         Favorite Features: Available power tailgate, IIHS TOP SAFETY PICK designation, available rearview camera, 8-passenger capacity, 5-car-seat capacity.

Honda Reveals the 2013 Honda Accord with Sleek and Sophistocated New Look

Honda is revealing the look of the next Accord, a sleeker, more-fuel-efficient sedan that faces tough rivals.

By Toshi Oku/Honda
At least Honda has great timing: The current Accord has re-established itself as a best seller after a difficult year in which supplies were interrupted by Japan's tsunami. Last month, Accord was second only to Toyota's Camry as America's best-selling car, and it was the fourth-best-selling vehicle of any kind.

Honda says the new look for 2013 is more sculpted. "It doesn't scream and shout, but it's sophisticated and refined," says Vicki Poponi, an assistant vice president.
The new Accord is 3 inches shorter than the one it replaces but retains about the same interior size. The trunk is a cubic-foot larger. Honda engineers have an "obsession with getting the most interior (space)," she says.
When it goes on sale this fall, the ninth generation of Accord will compete in the big but ever-tougher midsize-car market, where automakers are placing huge bets. New products have poured into the segment. Besides the just year-old redone Camry and Volkswagen Passat and 2-year-old Hyundai Sonata and Kia Optima, redone 2013 models newly on sale or soon to be include Chevrolet Malibu, Nissan Altima and Ford Fusion.

"This is going to be a real battleground," says George Peterson, president of AutoPacific. "It's going to take an Accord to bring back the same level of excellence, high value and quality (Honda) has had in the past."

Honda says it's going to stay ahead of the competition by giving the new Accord more upscale touches and new technology:

It will get LED headlights, taillights and running lights, a feature typically found in luxury cars. The four-cylinder base engine will be paired with a more gas-efficient continuously variable transmission, or CVT, rather than a conventional automatic transmission. The new transmission is "not rubber-bandy" feeling, a reputation of many CVTs, Poponi asserts. Unlike many others, Accord still will offer a V-6, too.

Although Honda didn't reveal the expected fuel-economy figures — or the price — the new Accord is designed for extra-low wind drag, with flush-mounted window glass and wipers and a smoother underbody.

Peterson says Honda doesn't need to be the segment leader to win customers when it comes to fuel economy, but it will have to post in the high-30-miles-per-gallon range in highway driving.
Accord has the advantage of having an army of happy customers behind it, points out Joseph Phillippi of AutoTrends. "Maybe (the styling) is a little conservative, but there is a huge cadre of loyal owners out there," he says.

Legislation Requiring Rear-Facing Cameras Costs Billions, is it Worth it?

Legislation requiring all cars and trucks sold in the U.S. to have rear-facing ‘backup’ cameras has been pushed back a second time. The legislation was originally signed in 2008 and now will not go into affect until the end of 2012.
And that could be a good thing.
While the rule is designed to prevent individuals from being run over by vehicles backing up, predominantly very young children and the elderly, it is also one of the most expensive pending legislations.

At an estimated cost of $2.7 billion for fleet of 16.6 million vehicles and approximately 292 deaths occurring each year from being backed over by a car or truck, that means each life saved is approximately worth $18.5 million. Is that worth it?
Of course every life saved is worth it, but consider that the article also states that because of this legislation, the price of cars will go up $58 to $203. Can the auto industry, and the economy in general, afford that seeing as it is still on shaky ground?
Perhaps those billions of dollars could be spent on driver education or a safety campaign? The government even admits they need more information before implementing this rule (the reason the pushed it back):
“While the department has made progress toward a final rule to improve rearward visibility, it has decided that further study and data analysis — including of a wider range of vehicles and drivers — is important to ensure the most protective and efficient rule possible,” the agency said in its statement.
There are gut-wrenching and heartbreaking facts and stories of people, especially children, being harmed (50) and killed each week (two) by a vehicle that was backing up. If my child was saved by a rear-facing camera, I would absolutely say this billions dollar cost was worth it. But if I were going to be in the market for a car in the next year, I may not be so sure.
What do you think?

Tuesday, August 7, 2012

Honda Civic vs. Chevrolet Cruze and Hyundai Elantra

Honda Civic vs. Chevrolet Cruze and Hyundai Elantra.

Here’s how the 2012 Civic Sedan stacks up against the 2013 Chevrolet Cruze and 2013 Hyundai Elantra.
2012 Civic Sedan vs. 2013 Chevrolet Cruze Sedan
Top 4 reasons to buy the 2012 Civic instead of the 2013 Chevrolet Cruze:
A More Affordable Automatic
At $17,545 (MSRP, including destination charge), 2012 Civic DX Sedan with an automatic transmission is priced $380 less than 2013 Cruze LS with a manual transmission and $1,475 less than Cruze LS with an automatic.
Higher EPA Fuel Economy Ratings
This chart show’s Civic EPA fuel economy ratings versus comparable Cruze models.
City/Highway/ Combined
City/Highway/ Combined
2012 Civic DX/LX MT
2012 Civic DX/LX/EX/EX0L AT
2012 Civic HF AT
2013 Cruze LS MT
2013 Cruze LS AT
2013 Cruze Eco MT
2013 Cruze 1LT/2LT/LTZ MT
2013 Cruze 1LT/2LT/LTZ AT
2013 Cruze Eco AT

Renowned Honda Reliability
Civic has a Predicted Reliability Rating of 4.0 out of a possible 5.0, according to J. D. Power and Associates.  The 2012 Chevrolet Cruze falls short with a Predicted Reliability Rating of just 3.0 out of a possible 5.0 (Data not available for 2013 Model.)
Lower Ownership Costs
According to an comparison, the 2012 Civic LX MT costs and average of $.44 per mile to drive compared to $.48 for the 2012 Chevrolet Cruze LS MT.  That’s a savings of $600 per year at 15,000 miles per year and $3,000 over five years. (Average cost per mile figures for ZIP code 98208. Data not available for 2013 Cruze.)
2012 Civic Sedan vs. 2013 Hyundai Elantra Sedan
Tor four reasons to buy the 2012 Civic instead of the 2013 Hyundai Elantra:
Superior Overall Frontal Crash Rating
The 2012 Civic Sedan earned a 5-Star Overall Frontal Crash Safety Rating from the National Highway Traffic Safety Administration (NHTSA).  The 2013 Hyundai Elantra earned a 4-Star Overall Frontal Crash Safety Rating.
Roomier Rear Seat
The 2012 Civic Sedan has 3.1 inches more rear-seat legroom than the 2013 Elantra for more rear-seawt comfort.
Renowned Honda Reliability
 Civic has a Predicted Reliability Rating of 4.0 out of a possible 5.0, according to J. D. Power and Associates.  The 2012 Hyundai Elantra  has a Predicted Reliability Rating of just 3.5 out of a possible 5.0 (Data not available for 2013 model.)
Lower Ownership Costs
According to an comparison, the 2012 Civic LX MT costs and average of $.44 per mile to drive compared to $.46 for the 2012 Hyundai Elantra GLS Sedan AT.  That’s a savings of $300 per year at 15,000 miles per year and $1,500 over 5 years.  (Average costs per mile figures for ZIP code 98208. Complete data not available for 2013 Elantra.)

2012 Honda Civic LX Sedan MT
2013 Chevrolet Cruze LS Sedan MT
2012 Honda Civic LX Sedan AT
2013 Hyundai Elantra GLS Sedan AT
Rear Stabilizer Bar
Not Available
Not Available
Electronic Brake Distribution
Not Available
Brake Assist
Not Available
Occupant Position Detection System (OPDS)
Nothing Comparable Available
Nothing Comparable Available
Advanced Compatibility Engineering (ACE) Body Structure
Nothing Comparable Available
Nothing Comparable Available
Floor Mats
Carpeted Floor Mats $95
Rear-seat Legroom (Inches)
EPA Fuel Economy Rating (mpg) (City/Highway/Combined)
ALG Residual Value (36/60 Months)
Not Listed/Not Listed

Base Price MSRP
Destination Charge
Comparably Equipped Price