The Growth and Development of the Automobile Industry – A Deeper Insight

The word “Automobile” has its origins in Greek and Latin and it has become an integral part of every man’s life. It has become so indispensable that on an average, a person spends at least 3 hours in his vehicle every day. Automobile was once thought of as a luxury and only a select few could indulge in. Now, the times have changed and automobiles have become a means of transportation catering to the vast majority.

The transformation from luxury to inevitability

Automobiles, in general, refer to the humble car and the estimates suggest that there is a car for every eleven persons on earth amounting up to 590 million passenger cars. There are various variants of automobiles that cater to every cross section of the population. There are variants that could set you back by a couple of million dollars and other models that cost you a few thousand dollars.

The technological advances in the automobile sector have been tremendous in the last 100 years. The century’s greatest invention or advancement should definitely belong to the automobile industry. One of the earliest pioneers of the automobile Industry was Ransom Olds from the Oldsmobile factory. In the early 1900′s, he introduced the Production Line concept, thus churning out vehicles every few minutes. This idea was greatly revolutionized and implemented by Henry Ford, who elevated automobile industry to the next level. Ford quickly grew in the first half of 20th century and slowly but steadily spread globally.

Growing along with time

With advancement of age, the automobile industry gradually grew in continental Europe and England. Japan introduced quality initiatives that further enhanced the industry. Toyoto from Japan were the pioneers of Total Quality Management and Six Sigma, which have been the guiding principles of the automobile industry for the last 50 years. Today, Toyoto are the world’s biggest automobile company according to recent market estimates.

The global boom of the 1980′s was largely because of the automobile revolution. Ford, General Motors and Chrysler, the big 3 automotive giants of America, had a huge say on the country’s economy. They decided the health of the economy and the recent global economic recession has affected them badly. This has made them approach the government for loans and benefits, which have been fulfilled by the government after placing appropriate clauses.

Advent of technology and innovations

Automobile has transcended from being a medium of transportation to a medium of entertainment after the advent of super fast cars competing against each other. NASCAR and F1 races are huge crowd pullers every year. People have made fortunes and drivers of these machines have made their name in history. The fact that automobile racing involves huge costs has made the racing industry reel in these uncertain economic times. The sport has seen tragedies with loss of life in some instances. This has made room for strict safety regulations, which are now mandatory for all the automobile shows.

The negative part

Although man has made a huge leap forward with automobiles, there is a downside to this technological wonder. The emissions from these machines have raised serious environmental concerns with calls for more eco-friendly vehicles. Automobile companies have invested hugely in research and development of eco-friendly vehicles. Except for this single downside, there is slightest of doubts to say that automobiles have been the find of the previous century.

Tips and Tricks for Saving on Auto Insurance

Finding the best auto insurance rates can sometimes be tricky. It is absolutely necessary to be insured on the roads, though. In fact, it is required, by Illinois state law to have coverage. Some find auto insurance to be extremely expensive but, there are ways to help make it more affordable. Here are some things to consider to find the ideal price of insurance.

Shop Around

Get quotes from multiple insurance companies, including different types of companies. Also, realize that the lowest number does not mean the cheapest.

Consider Insurance While Shopping for Cars

Some vehicles have lower reliability ratings and other factors that contribute to higher premiums. While researching cars it is important to compare potential premiums for each of your options to ensure you are getting the best deal.

Increase Deductible

By increasing your deductible, you can decrease your premium. Just be sure that the deductible is manageable for your budget and that you have enough money saved in case you need to file a claim.

Bundle Insurance

If the insurance agency that you choose offers bundling, take advantage of it. If not, try to stay with the same company for all of your insurance needs. This results in discounts in most cases.

Keep Good Credit

Having good credit helps lower insurance rates. Researchers have found a significant relationship between your credit score and amount of claims filed. Insurance companies tend to rely on this correlation to define your financial responsibility.

Low Mileage Discounts

Research mileage averages and see if you fall below that. Do not be afraid to ask about a low mileage discount. This discount could also apply to you if you are someone who carpools.

Group Insurance

Some people fall into the category of people who receive insurance from their employer or other groups they belong to. Some insurance providers offer discounts on auto insurance to people who fall into this category.

Other Discounts

Ask your agent if there are any additional discounts you are qualified for based on certain qualities such as how you drive, etc.

Purchase 10+ days before you actually need it

By purchasing coverage before you need to use it helps drive down premium costs.

Pay in Full Up Front

If possible pay in full, rather than setting up a payment plan. The amount you save annually will add up.

Get New Policy When You Move

Especially out of state! Some states have significantly higher insurance rates than others.

Older Cars

Buying a brand new car, just released is exciting, but if your priority is lower insurance premiums it is better to purchase models that are 5+ years old. They are considered more reliable.

VIN Number for Quotes

The purpose of this is to see if you are eligible for a discount if you have anti-theft devices.

Go Paperless

Some companies value using less paper and offer a small discount to those who opt out of using paper which is not hard to do in this age if technology. It is a small offering, but it adds up.

Insurance Vocabulary

Be sure to understand what the verbiage means so that you have a good idea of what you actually need covered and what questions you need to ask your agent.

Automatic Billing

This is another way to save over time, similar to going paperless.

Education

Some insurers offer discounts based off of the level of education you have. For example, some offer discounts for college graduates.

Teen Drivers

Teen drivers are known to drive up insurance costs, since they are more accident prone. But, if they are in a college that is 100+ miles away without a car some insurers allow them to be temporarily taken off of the plan. Additionally, most companies offer a “good student” discount implying that they correlate this test of intelligence with responsible driving habits. Proof of a safe driving class can also save some money on teen auto insurance.

Want to Save Some Money? Play Some Free Browser Games!

With many console games costing hundreds of dollars and game titles usually starting out at 40-80 dollars, a good alternative is to play any of the thousands of free online games. You can forgo the need to purchase a brand new HDTV and the latest audio equipment and simply use any modern computer with internet access to entertain yourself for hours.

Finding Good Quality Games

Often the best way to find the most entertaining games is word of mouth and often Google searches yield excellent search results. I find the best quality games are often found on games portals as they pre-screen their games for variety, quality and hold them to high standards.

Another option is bloggers that are often quite passionate about the newest and most entertaining games available so they are often a very useful resource when searching for new games to try out. There are thousands of these blogs available that are updated daily so I would recommend searching out one that appeals to you.

Game Portals

Online game portals have achieved broad success as a result of increased broadband connections among consumers but even dial-up modems are able to play many of these games due to the small file size of them. The increase of internet access speed also means that game developers are able to create higher quality games with better graphics and game play. Fans of all genre, type and flavor of game will be able to quickly find some entertaining ways to spend their time.

An example of an immensely popular browser-based game portal would be Miniclip which has upwards of 43 million unique visitors on their website per month. These larger portals often feature localization in multiple languages such as English, Korean, Italian, Chinese, Spanish, Polish, Portuguese and French.

Other very large and successful Game Portal sites would include Yahoo Games, Kongregate, Newgrounds and Armor Games. Millions of users every month visit these websites playing a variety of games ranging from chess to zombie games.

Variety is one of the most compelling features of these free portals so you will often find categories such as Action, Adventure, Girls, MMO, Racing and Multiplayer games. As well you can find entire game portals devoted solely to one type of category such as Racing Games or Dressup games for example.

Game Formats

The most popular format used for these games would be Adobe Flash Player. This format has become very well distributed across the desktop market resulting in market dominance. Adobe makes the claim that 98% of US web users have their software player installed. Also one of the best aspects of Flash is it is not specific to PC or Mac, but usable by both types of personal computer.

Other types of formats online browser games can include Html, Java, Shockwave, Unity and the newer Microsoft Silverlight format. Most new computers do not come pre-installed with the above game players so when you attempt to play a game without the appropriate software, it will often auto install the software for you.

Popularity

Numerous studies from research groups such as Deloitte & Touche have released reports detailing the surging popularity of online games. A five fold growth prediction was touted recently in one of their white papers. Developing nations such as China, India and Latin America are poised to introduce millions more of gamers which will drive the demand for even more games and games portals.

Summary

Browser games only require an internet connection and a web browser so why not give them a try, its one of the fastest growing game markets. They are fun, unique, often innovative and the best part they are all available at no cost at all.