Romanov Report 41 - June 12, 2006

By InsuranceHotline.com Team
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Here's your Top 10 List.

Check out how your vehicle compares to the least expensive to insure by going to www.InsuranceHotline.com and entering in your make and model.

Top 10 Least Expensive Cars To Insure for 2006

Insurance can be one of the more significant expenses associated with vehicle ownership, but it doesn't have to be. Many of the variables influencing your insurance rate have to do with factors that may be difficult to control: where you live, your accident history, your yearly mileage, and so on.

www.InsuranceHotline.com instantly directs you to the top 3 insurance companies with the best rate.

If you're still shopping for a vehicle, here is a list of the 10 cars most likely to command the lowest insurance premiums:

  1. 2006 Cadillac CTS
  2. 2006 Mazda 6
  3. 2006 Volkswagen  Beetle
  4. 2006 Volkswagen GTI
  5. 2006 Mitsubishi Galant
  6. 2006 Honda Accord
  7. 2006 Ford Crown Victoria
  8. 2006 Dodge Caliber
  9. 2006 Suzuki Forenza
  10. 2006 Suzuki Verona

Top 10 Least Expensive SUVs To Insure for 2006

With gas prices going nowhere but up, SUVs are costly enough to operate — you don't need a steep insurance bill making things worse. Many of the variables influencing your insurance rate are difficult to change: where you live, your driving record, your yearly mileage, and so on.

www.InsuranceHotline.com instantly directs you to the top 3 insurance companies with the best rate.

Here's a list of the 10 SUVs most likely to command the lowest insurance premiums:

  1. 2006 Chevrolet Tahoe
  2. 2006 GMC Yukon
  3. 2006 Honda CR-V
  4. 2006 Ford Escape
  5. 2006 Mazda Tribute
  6. 2006 Saturn Vue
  7. 2006 Hyundai Santa Fe
  8. 2006 Nissan Xterra
  9. 2006 Hyundai Tucson
  10. 2006 Honda Element

Top 10 Tips for Surviving a Disaster in Your Vehicle

You are your own best friend when it comes to surviving a disaster. Even dedicated survivalists who stock their homes with 100 gallons of water, enough MREs (Meal, Ready to Eat) for the 82nd Airborne and 500 rounds of ammo have long periods when they are completely vulnerable: When they're in their cars.

In your car, is there even a flashlight? A survival blanket? A first-aid kit? Water or a way to collect and purify it? Answer "no" to any of those and you join the vast majority of motorists who are totally unprepared for even basic trouble. Here are a few tips that may elevate you from helpless victim to thankful survivor.

  1. Know that help is not on the way: You can only really depend on yourself. In a real disaster — an earthquake, terrorist attack,  tsunami or blizzard — help will  not be on the way. Don't believe it? Dial 911 and say that there's a big, scary-looking dude pounding on your back door. Then call Domino's, and order a large pepperoni. Where I live, the pizza will be cold when, and if, help arrives. Now imagine a disaster where 10,000 people — or 100,000 — are calling for help. If you still think your cell phone will bring help in a timely manner, tattoo your Social Insurance Number on your arm so your body can be identified later.

  1. Don't be your own worst enemy: While fleeing Hurricane Rita, hundreds became stranded because they began their evacuation with empty fuel tanks. If your car constantly breaks down, your gas gauge regularly hovers around "E," or you defer basic maintenance (such as replacing timing and fan belts, radiator and heater hoses, and rubber fuel lines), it's time to rethink your priorities.

  1. Prepare appropriately: The less hospitable the environment, the more preparation is required. Think northern Ontario, on the coldest day of the year. It's not unheard of for a person to freeze to death if forced to spend a cold January night, or two, in a car. Make sure you're prepared for the worst.

  1. Keep warm and dry: Those who spend little time outdoors will discover that even when the days are warm, it gets very chilly at 4 a.m. An aluminum-coated Space-brand or Mylar blanket costs $3, is about the size of cell phone, and will help retain body heat in cool weather and reflect sunlight in hot weather. Chemical hand and body-warmers make brutal conditions tolerable. Also include a plastic pocket poncho. Your car can act as a tent to protect you from the elements unless a vehicle wreck breaks your window. Mend that with a roll of duct tape and super-thick trash bags.

  1. Water is critical: Without water, death can come within a few days, perhaps in a few hours in very hot weather. Keep a couple of jugs of water in your trunk. For most of Canada and the U.S., it's OK to rely on ground water. You can also make stream water safe in a half hour using iodine water treatment crystals, which you can purchase at camping gear stores like Mountain Equipment Co-Op.

  1. Light the darkness: Emergencies and darkness seem to go together. Pack a conventional flashlight and spare batteries. Keep the batteries alive by leaving them in the original packaging or by installing them backward in the flashlight and taping over the terminals. Another solution is to pack a powerful DC-powered work light, which connects to your car's battery through the 12-volt outlet. Your kit should include some old-fashioned road flares, which can help prevent other motorists from striking your stranded vehicle and can double as excellent fire starters and signaling devices.

  1. Be able to play doctor: It's a toss-up as to which is more difficult, fixing a modern car or treating an injured person. But in an emergency, you might be forced to play doctor. The best bet is to start with an off-the-shelf "vehicle first-aid kit." In addition to standard items found in such kits, add a tube of Super Glue (for closing small wounds), latex surgical gloves, a topical antibiotic (like Neosporin), aspirin or other pain reliever, and an anti-diarrhea medication (such as Imodium tablets). Include critical personal medication and, if you're sensitive to bee stings or ant bites, an antihistamine such as Benadryl.

  1. Fill your belly: In an emergency, many learn the difference between "hungry" and "starving." Without food, most folks will survive for a couple of weeks: Consider it the "disaster diet." But you'll be more comfortable if you pack a couple of military-style ready-to-eat meals (available from camping or survival stores) or cans of Spam. One way to tell you're truly hungry: You're eating Spam.

  1. Carry some extras: Pack a can of tire inflator/sealant and a container of radiator stop-leak. Duct tape can be used for anything from repairing a punctured radiator hose to securing bandages. Also include a pair of thick leather work gloves, a small fire extinguisher, an old pair of running shoes and toilet paper. Include some cash and a couple of dollars in quarters. Carrying your survival kit in a backpack will help you transport your supplies should you be forced to leave your vehicle

  1. Defend yourself: If TV coverage of Hurricane Katrina didn't convince you that a form of self-defense is a critical part of an emergency kit, then you weren't paying attention. Except when thrown by a major league pitcher, a cell phone is not a self-defence device. Try keeping pepper-spray or a club handy instead. Also know that your car comes with a last-ditch self-defense device: a lug wrench. In addition to everything mentioned above, your car already comes with some survival equipment: The radio supplies emergency information; the rearview mirror can be removed and used as a signaling device.