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Tag: auto

  • Should you buy or lease a new car?

    Should you buy or lease a new car?

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    What happens at the end of a car lease

    There can be unpleasant surprises at the end of a leasing term, Wallcraft added. The vehicle will be examined carefully for any damage, and if you exceeded the mileage outlined in the contract, you’ll be hit with fees. “It can be a pretty surprising amount at the end of the whole thing,” Wallcraft said, “and there’s no way to get out of it.”

    When to buy a car in Canada

    When you finance a car to own it, however, you start with negative equity—you owe more on the car than it’s worth to sell—but after a certain amount of time, that equity turns in your favour. “It takes a few years, depending on the length of the financing term,” Wallcraft said. “It takes some time where you’ve paid off enough of the car that you can then sell it for what it’s worth.”

    For car lovers who want a fresh ride every three or four years, financing to own still has merits over leasing, Wiebe said. “Even with purchasing vehicles every three years, you can still come out ahead by purchasing and reselling, because at least you are building some equity by creating ownership of the car that you’re paying for,” he said. 

    “But for most young people, buying and owning for a longer period is going to really free you up to be able to put money elsewhere, especially towards longer-term savings.”

    Pros and cons of leasing an EV

    As for leasing an electric vehicle (EV), Wallcraft called the financial pros/cons analysis “less predictable” in this relatively new market. Residual values of EVs have yet to be fully understood, she said—the value the car holds over time, which lease payments are based on.
    But lease contracts are very hard to break, Wallcraft noted. So if you don’t like the EV lifestyle and all it entails, you’re stuck or punished.

    “I can’t imagine how difficult it would be to try to offload an EV lease and try to find somebody who wants to take that over when there’s really only 10% of the market that’s showing a strong interest in EVs today,” Wallcraft said. “That will change over time, but that would be extremely difficult. Better to finance at a rate you can afford, and then, even if you haven’t fully paid it down, at least the car is yours to make the decision about what to do with it.”

    So who is leasing for?

    Wealthy customers, mostly. There’s less drama with a new vehicle under warranty, Wiebe pointed out. “Let’s say you’re getting into a high-paying profession that demands a lot of your time,” he said. “You’re not having to deal with buying and selling a vehicle. You sign up, have that simple payment, everything’s under warranty, and you kind of take back both the time and having to think about that area of your life.”

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    The Canadian Press

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  • Driving underwater: Is your car worth less than what you’re paying for it? – MoneySense

    Driving underwater: Is your car worth less than what you’re paying for it? – MoneySense

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    “We saw some rare (price) appreciation during the time that consumers were purchasing these high-priced cars,” Daniel Ross of Canadian Black Book said of the auto market during the pandemic years. 

    Global supply chain disruptions stemming from the pandemic left the auto market with low inventory—and coupled with high consumer demand—auto prices surged, Ross said. 

    Some of those issues have since begun to normalize, allowing prices to ease, but it’s left some consumers owing more on their auto loan than the car is now currently worth. It’s referred to as negative equity, or being underwater. 

    As with the vast majority of vehicles, they’re a depreciating asset, so for those who purchased their car when prices were high, their “vehicle will continue to lose lots of value because it was probably overpriced at that time,” Ross said. 

    Should you trade in your car for a cheaper one?

    On average, people who were underwater saw the negative equity in their cars climb to a record high of USD$6,255 in the second quarter this year, compared with USD$4,487 in the second quarter of 2022, a July report from auto retail platform Edmunds showed.

    Trade-ins with negative equity also jumped, Edmunds said in its report.

    “If you’re in a negative equity position, it’s not easy to get out of that,” Ross said. 

    For drivers who are in this situation, it’s better to drive that car into the ground and just keep paying off the loan, he said.

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    The Canadian Press

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  • Is it a good time to buy a new car? – MoneySense

    Is it a good time to buy a new car? – MoneySense

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    Sticker prices at dealerships have started to come down and affordability is improving, said Daniel Ross, senior manager of industry insights with Canadian Black Book.

    “The new car market is normalizing faster than the used car market,” he said. “You have the inventory, you have the incentives depending on where you’re shopping and if you were a new car shopper from the beginning, it’s the best situation you’ve had in a long time.”

    Inventory of new cars has built up across the country as prices for newer models climbed and consumers pulled back on big purchases amid high inflation and rising interest rates. Now, manufacturers and dealerships have launched incentives and rebates as they look to clear that supply.

    On new cars, dealerships can offer internal financing from manufacturers and control the rates independently from bank rates, said Sam Fiorani, vice-president of global vehicle forecasting at AutoForecast Solutions.

    “Instead of offering rebates, they lower interest rates which make deals better for the consumer.”

    How availability impacts car loan interest rates

    Homeowners are watching the Bank of Canada’s every move as they hope for lower borrowing rates, but a vehicle purchase works somewhat differently, said Shari Prymak, a senior consultant at non-profit Car Help Canada. When financing through a dealership, the interest rate depends on the given make or model.

    “The rates that the manufacturer sets are mainly tied to the vehicle availability,” he said.

    “If the vehicles have a very good supply, they’ll incentivize the interest rates and bring down the rates,” Prymak said. “But if the vehicle doesn’t have any supply, if it has a long waiting period, because it’s in short supply, the rates won’t be incentivized.”

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    The Canadian Press

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  • Best used EV for families: Ford Mustang Mach-E – MoneySense

    Best used EV for families: Ford Mustang Mach-E – MoneySense

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    With excellent road manners, highly approachable safety and convenience technologies, affordable used-market pricing and access to a wide network of dealer service locations from coast to coast, the Mach-E is my top pick for growing families looking to add a flexible all-electric to their fleet, and an easy addition to our list of top used cars in Canada.

    Is the Mustang Mach-E a good car?

    Yes. On previous test drives of this machine, I’ve praised its quiet and comfortable highway ride, highly responsive and fuss-free infotainment system, excellent road manners, and quick charge-up times on longer road trips. 

    Don’t take my word for it, though: Car and Driver named the Mach-E EV of the Year in 2021, as well as an Editors’ Choice. Ford’s first foray into the electric SUV market also racked up trophies for design, range, value and style from other industry authorities like Autoguide, AutoWeek, Motor1 and AutoTrader.ca.

    In any configuration, expect Mach-E’s roomy and flexible cabin to readily adapt to your family’s changing needs. The rear seats are spacious and comfortable, folding seats add flexibility, and the cargo area’s relatively low load-in height provides easy access for small grocery helpers and family canines alike. There’s even a “frunk” under the Mach-E’s hood, providing additional storage space. 

    The Mach-E has a generous suite of the latest advanced safety and driver assistance tech as standard or optional, depending on the year and trim grade you’re considering. Safety-minded shoppers can rest easy with the Mach-E’s 2021 Insurance Institute for Highway Safety (IIHS) Top Safety Pick rating.

    Though the Mach-E is a seriously high-tech machine, it’s also one of the market’s most approachable. Interfaces and menus are easy to use and navigate, connectivity is a breeze, and driver-facing systems are logical to use and responsive. If a second-hand Mach-E will be your first new car in some time, you’ll be up to speed on how to work its one-pedal drive, enhanced charging features, drive modes and slick infotainment system in just a few drives.

    What’s under the hood?

    Marking the first expansion of the Mustang model lineup in 55 years, the new Mach-E came with various motor and battery configurations that gave shoppers access to both two- and four-wheel drive, as well as sub-models configured for maximum range, maximum performance or maximum affordability.

    Battery packs include both 70-kWh and 91-kWh options, with single-motor models running rear-wheel drive. 

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    Justin Pritchard

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  • Best used hybrid sedan: Toyota Corolla Hybrid – MoneySense

    Best used hybrid sedan: Toyota Corolla Hybrid – MoneySense

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    Two motors electrify the Corolla Hybrid’s 1.8-litre gasoline engine, turning it into a hybrid engine. The electric motors are connected to the car’s wheels and engine via the transmission, and a battery used to store power for the hybrid engine is located beneath the rear seat.

    The hybrid engine’s electric motors can use electricity from the battery to drive the Corolla’s wheels, in part or in full. At any given moment, this can reduce or even eliminate the need for the gas engine to run, since the car can be driven entirely on electricity in some situations, and partly by electricity in many more. 

    By the way, that hybrid battery recharges automatically as you drive around, it never gets empty and there’s nothing to plug in. As long as there’s gas in the tank, you’re ready to drive.

    The hybrid system is totally automatic and requires no driver decision-making at any time. You can customize the driving experience with different drive modes, and an on-screen visual coach can be called up to help fine-tune the driver’s hybrid driving skills if they like.

    Expect considerably faster acceleration and smoother response versus a non-hybrid Corolla.

    Should you buy a used Corolla Hybrid?

    The Corolla has a pretty stellar reputation for delivering a no-nonsense ownership experience and strong long-term value, and tracking down a second-hand Corolla Hybrid with remaining factory warranty shouldn’t be much trouble.

    Shopping for a Certified Pre-Owned (CPO) vehicle, available only from authorized dealerships, can add peace of mind. To become CPO-certified, used cars must meet certain standards for quality and condition. You won’t get that assurance if buying from a private seller. (Learn more about buying new vs. used.)

    Are there any recalls for the Toyota Corolla Hybrid?

    Transport Canada lists a single recall for the Toyota Corolla Hybrid, for a seatbelt-related fault; it affected fewer than 1,000 cars in Canada. Before you buy a used Toyota Corolla Hybrid (or any car), check online or with your local dealer to see if any outstanding recalls apply to the model you’re considering. And if you do buy the car, contact the manufacturer to register as the new owner. This ensures that any future recall notices make their way to you quickly.

    Check the specific spare tire and mobility provisions included with the used Corolla Hybrid you’re considering, as some owners have sought accessory tire inflators or temporary spare tires to supplement the factory equipment. Specifically, some drivers prefer to carry a temporary spare tire instead of (or alongside) the factory-provided inflator kit. Your needs may vary depending on where and how you drive, but knowing what equipment you have (or need) in the event of a flat tire is important.

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    Justin Pritchard

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  • Teen arrested for fleeing FHP at 130-plus mph

    Teen arrested for fleeing FHP at 130-plus mph

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    An 18-year-old reportedly sped away from a traffic stop and collided with another vehicle on Tuesday.The Florida Highway Patrol says they attempted to stop a car going 85 mph in a 55 mph zone on State Road 82 in Lee County at approximately 12:43 a.m.Troopers say the driver, Alden Roberts, 18, reached speeds of 130 mph-plus to evade the traffic stop on Daniels Parkway and Gateway Boulevard.According to reports, Roberts collided with another vehicle on SR-82 and Sunshine Boulevard, bringing the car to rest.Troopers say two passengers were in the vehicle, and they were transported to the hospital with minor injuries. Deputies reportedly arrested Roberts and charged him with fleeing and multiple counts of reckless driving.

    An 18-year-old reportedly sped away from a traffic stop and collided with another vehicle on Tuesday.

    The Florida Highway Patrol says they attempted to stop a car going 85 mph in a 55 mph zone on State Road 82 in Lee County at approximately 12:43 a.m.

    Troopers say the driver, Alden Roberts, 18, reached speeds of 130 mph-plus to evade the traffic stop on Daniels Parkway and Gateway Boulevard.

    According to reports, Roberts collided with another vehicle on SR-82 and Sunshine Boulevard, bringing the car to rest.

    Troopers say two passengers were in the vehicle, and they were transported to the hospital with minor injuries.

    Deputies reportedly arrested Roberts and charged him with fleeing and multiple counts of reckless driving.

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  • Why is gas so expensive in Canada? – MoneySense

    Why is gas so expensive in Canada? – MoneySense

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    How expensive is gas in Canada?

    According to CAA’s daily gas price tracker, Canadians paid an average of $1.68 per litre on May 2, 2024. That’s six cents more than the lowest average price in the previous 30 days, and 12.3 cents more than one year ago. 

    What national averages don’t show, though, are the unpredictable price spikes experienced in some locales. Case in point? On April 18, 2024, Toronto drivers woke up to find gas prices had climbed from $1.65 to $1.79 per litre overnight.

    That 14-cent-per-litre increase meant that Ford F-150 owners would spend up to $19 more filling their tanks, Dodge Durango drivers would pay an extra $13 and Toyota Highlander drivers would pay $9 more per fill-up. It would cost an extra $8 to fill a family car like the Hyundai Sonata or Chevrolet Malibu, and $7 for smaller cars like the Honda Civic. Use a fleet of heavy trucks for your business? That Silverado 2500 or Ram 2500 HD will cost you $20 to $35 more to fill.

    These are big jumps, but gas prices are still well below what they were at the height of the pandemic. In the summer of 2022, the national average price reached an eye-watering $2.11 per litre, says price-tracking website GasBuddy.com.

    According to the Canadian Fuels Association, Vancouver had Canada’s highest average gas prices in 2023, followed by St. John’s, Charlottetown, Montreal and Halifax. 

    If you’re frustrated by wildly fluctuating gas prices, you’re not alone. Below, I’ll give you easy fuel-saving tips that could trim your gas bills by 15% or more. But first, let’s take a look at what affects gas prices in Canada. 

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    Why do gas prices go up and down?

    The price you pay for a litre of gas at the pumps includes many costs and taxes that vary between countries, provinces and even regions—but that’s only part of the story. To understand what affects gas prices, it helps to understand how crude oil is processed, and why it’s in such high demand.

    Understanding crude oil

    Crude oil is a highly valuable substance, found deep underground. It’s made of ancient dead stuff—animals and plants that lived millions of years ago. The value of crude oil lies in its ingredients, which we use to make things like plastic, synthetic rubber, detergents, heating oil, jet fuel, engine oil, asphalt and, of course, the gasoline powering our cars.

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    Justin Pritchard

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  • 2025 Toyota 4Runner SUV – Wicked Gadgetry

    2025 Toyota 4Runner SUV – Wicked Gadgetry

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    The much-vaunted Toyota 4Runner SUV beloved by many for its reliability and off-road prowess returns in model year 2025 with a completely new body design that combines both rugged durability and cutting-edge technology. As predicted the new 2025 4Runner shares its chassis with the new Toyota Tacoma pickup truck and keeps the same turbocharged 4-cylinder engine that generates 278 hp.

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    Kyle

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  • Kia Soul review: The best used small SUV – MoneySense

    Kia Soul review: The best used small SUV – MoneySense

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    Model years 2018 and 2019 were built towards the end of the Kia Soul’s second generation, after five or six years in production. The third generation hit the market for model year 2020, but buying a used car from towards the end of an earlier generation is often a safe bet, as many bugs and problems from earlier units have been worked out.

    The Soul has been a strong success for Kia, which has sold well over a million units since this car first hit showrooms in 2008. Launching the next generation of a beloved vehicle requires great care—you don’t want to alienate the buyers drawn to the Soul’s signature mix of fun, efficiency and practicality, bundled together in a wrapper that screams, “Let’s play!”

    The Soul has always had distinctive styling, but the third generation moves away from the folksy, cartoonish design cues toward a look that’s decidedly sharper and more modern. 

    The interior plastics seem well chosen, and the build quality is above average for the dollar. Test-driving shoppers can expect to find loads of goodies, especially on top trim grades. A key highlight of the interior? Ambient mood lighting that’s connected to your music. Drivers can select the hues and brightness of the array of concealed LED lights on board, bathing the cabin with colour after dark and even reacting to your playlists.

    If you’re opting for a third-generation Soul (2020 model year or newer), you won’t easily mistake it for anything else on the road—that’s a good thing.

    In 2021, the Kia Soul was called the Best Subcompact SUV for the Money for the fifth consecutive year by U.S. News & World Report, as well as a “Best Buy” in the subcompact crossover category by Consumer Guide.

    The tall and boxy shape of the Soul is a styling statement that does double duty to create generous headroom and maximized cargo capacity. It’s not a big machine, but it feels like one on board. The tall and upright driving position gives drivers the secure and in-command feel of a larger SUV, without the fuel bill.

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    The Kia Soul engine: What’s really inside this used car?

    Efficient four-cylinder engines are found between the Soul’s front wheels, including high-performing turbocharged options. An electric version is available, too. Though you won’t find any models equipped with all-wheel drive (AWD), the Soul delivers strongly on what most Canadian shoppers want: a roomy and flexible vehicle that’s easy on fuel and ready for any adventure. Pet owners take note: the low cargo floor height makes canine jump-in a cinch.

    In 2017, a new 1.6-litre turbo engine joined the lineup, with 201 horsepower. Though most used models will have an automatic or dual-clutch transmission, be sure to search for a used Kia Soul with manual gearbox if you like to row your own gears. Manual five- or six-speed transmissions were available, commonly on more basic units.

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    Justin Pritchard

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  • Ford F-150 review: The best used pickup truck – MoneySense

    Ford F-150 review: The best used pickup truck – MoneySense

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    The F-150 is perennially popular. If Ford stopped selling everything it makes besides the F-150, it would still be a Fortune 500 company. With a strong connection to buyers and how they use their pickup trucks, Ford has made updates and enhancements over numerous F-150 generations, culminating in a model that easily takes a position on my list of the 10 best used cars in Canada.

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    Is the Ford F-150 a good truck?

    Yes, it’s a great choice new or used. The Ford F-150 offers great value among pre-owned trucks because of its excellent durability, fuel-efficient engine lineup, and array of tech and connectivity features that help owners to stay productive and in touch on the move. The use of lightweight aluminum bodies (as of model year 2015) and a range of EcoBoost engines (which launched in 2011) help keep fuel costs highly respectable, too.

    The Lariat trim grade represents somewhat of a sweet spot in the F-150 lineup. It boasts many nice-to-haves, like heated and cooled leather seats, and it’s priced more reasonably than some of the more luxury-oriented versions like the Limited, King Ranch or Platinum, each of which represents a luxury trim grade designed to give drivers a taste of top-of-the-line motoring.

    For model year 2018, Ford added adaptive cruise control with stop-and-go technology and a pre-collision assist feature with pedestrian detection, along with a technology package for models with the 2.7-litre EcoBoost engine.

    An impressive trophy rack includes recent recognition from J.D. Power and Associates as the Best Large Light Duty Pickup of 2020. In 2021, the 2022 Ford F-150 was called the North American Truck of the Year by an independent jury of 50 professional automotive journalists from Canada and the United States.

    The Ford F-150 engine: What’s really inside this used truck?

    If it’s in your budget, shopping for a 2017 or newer F-150 is likely your best bet. An extensive update for that model year brought higher towing capacity, wider deployment of safety and connectivity tech across the lineup, and an extensively reworked powertrain lineup that included the second-generation 3.5-litre EcoBoost V6 engine and a new 10-speed automatic transmission rolled out as standard across most of the model range. These improvements helped the F-150 deliver stronger performance and refinement, while using less fuel.

    Other engine options include a 3.3-litre V6, a 5-litre V8 (dubbed Coyote) and a 2.7-litre EcoBoost V6, ideal for shoppers looking for a balanced mix of efficiency and low-rev torque response.

    From model year 2018 and on, fuel-saving auto start-stop was added to all engines, the 2.7-litre EcoBoost V6 was updated for additional efficiency by way of a new fuel injection system, and a major exterior refresh was applied, too.

    The PowerStroke turbo-diesel V6 was introduced for this model year as well, though this short-lived engine option was discontinued in 2021 to make room for the new PowerBoost V6 engine, a hybrid option that appeared that year. A used F-150 with the PowerBoost engine won’t be cheap, though its fuel-saving hybrid tech also enables this engine to function as a built-in generator to power your job site, campsite, or power tools and toys.

    Checking a used F-150 before you buy

    Regardless of the age or mileage of the used  F-150 you’re considering, its current condition will depend on how it’s been used and maintained during its life with previous owners.

    Add confidence to your purchase by opting for a model sold as part of a Certified Pre-Owned (CPO) program at a Ford dealership. CPO requires used F-150s to meet a higher standard of quality and condition than units sold privately. Used models sold as part of a CPO program often include additional perks like extended warranty coverage and roadside assistance.

    If you’re buying privately, having the F-150 checked over by a Ford technician in a dealer setting is ideal for maximum peace of mind. Contact your local dealer and ask to schedule a pre-purchase inspection (PPI). This usually costs less than $250 and is your single best defense against an F-150 that’s concealing pricey problems.

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    Justin Pritchard

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  • Toyota Corolla review: The best used small sedan – MoneySense

    Toyota Corolla review: The best used small sedan – MoneySense

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    But before we get into the Toyota Corolla review, let’s give props to Akio Toyoda. In 2016, Toyota’s then-president and CEO (he stepped down in January 2023) declared that he was done with boring cars, delighting everyone who dearly missed the last-generation Supra, MR2 or Celica, amongst others. Toyoda knew he was making a bold claim—Toyota is one of the world’s largest carmakers, and ushering in sweeping changes takes time.

    Since Toyoda issued that challenge to his team, however, the company’s progress has been brisk—it has released new versions of the Camry and Supra, as well as the company’s bestseller: the Corolla.

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    Is the Toyota Corolla a good car?

    Yes, it’s a great car, and improvements have kept coming over the years. For model year 2014, Toyota launched an all-new version of the Corolla, complete with standard 17-inch wheels, a more chiselled exterior design and improved fuel efficiency thanks to a new transmission and ECO trim level. This 11th-generation Corolla was refreshed for model year 2017, just in time for the car’s 50th birthday: it received new safety features, styling updates and interior improvements. 

    In 2019, the Corolla hatchback arrived, and 2020 marked the introduction of a new 12th-generation sedan model complete with available hybrid power. Model year 2021 saw the introduction of a sportier Corolla Apex Edition model with unique styling and a higher-performing suspension. The 2021 Corolla also got Android Auto, joining Amazon Alexa and Apple CarPlay functionality added the previous year. Additional airbags make for 10 in total, and advanced safety equipment is now standard across a wider range of models. If it’s in your budget, a 2021 Corolla is likely your best bet.

    If we hadn’t told you the car in the photo above was a Corolla, would you have known? It looks particularly slick in Blue Flame paint, which is about as far from Corolla’s default livery of beige as you can get. Toyota front grilles can be pretty polarizing, but this car makes the design look cool. 

    The excitement has been amped up inside as well—not as dramatically as on the outside, but what the interior lacks in style, the Corolla makes up for in function. Toyota’s expertise in build quality and ergonomics is on full display, and everything is tastefully designed. The dashboard features an eight-inch infotainment screen with Toyota’s Entune app suite.

    On the safety front, Toyota’s got you covered with Toyota Safety Sense 2.0, a comprehensive suite of driver assistance and safety technologies including blind spot warning, collision warning, pedestrian detection, lane departure alert/steering assist, all-speed dynamic radar cruise control and automatic high beams.

    The Toyota Corolla engine: What’s really inside this used car?

    While the recent Corolla Hatchback is undeniably sportier than its predecessors, it isn’t ready for the big leagues just yet. Let’s look at the engine, a 2.5-litre unit that Toyota calls “Dynamic Force.” The good points: It makes much more power than before and sports a lofty 13:1 compression ratio but still runs happily and efficiently on regular gas.

    The downside: The horsepower seems to be provided by Clydesdales instead of thoroughbreds (meaning it doesn’t really feel all that quick), the engine doesn’t sound thrilled to be revved past 4,000 rpm, and when we shift gears, its management software causes it to hang on to revs more dearly than an aging star quarterback clinging to faded glory.

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    Justin Pritchard

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  • Should you take your vehicle to a car repair shop or a dealership? – MoneySense

    Should you take your vehicle to a car repair shop or a dealership? – MoneySense

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    The dealership: Pros and cons

    If your vehicle has a problem that’s covered by the warranty, the dealership is your best  option for repair. Dealership service staff are highly familiar with your vehicle, have completed factory-approved training on it, and have access to its service records, warranty history, repairs, recalls, software updates and a network of other dealerships to consult if needed. Dealerships can also easily access manufacturer-provided data and resources to help effect speedy repairs, even for complex issues.

    Having your car serviced at its dealership helps reduce the chances of certain warranty-related issues, which we’ll dive into later. It also helps ensure your car or truck is up to date on all recalls and software updates, which help it deliver a safer, fully optimized drive.

    Of course, you’re free to have your car maintained and serviced wherever you like. Maybe your favourite tire shop handles your seasonal tire change-overs, and you have your oil changed or suspension repaired at a shop near work over your lunch hour. These relatively low-cost maintenance and repair services (and others including brake jobs, air filter changes and exhaust system repair) are widely available at non-dealership repair shops as well, and may be more convenient. 

    Just remember that, depending on the servicing required, the dealership may be your best or only option. For example, new cars are increasingly built with electronics and systems that require special training and equipment that may only be available at a dealership.

    Image by Drazen Zigic on Freepik

    My typical advice to friends and family is to have their vehicle serviced in a dealership setting as often as possible while it’s under warranty, any time a transmission fluid change is required, for any electronics-related trouble, and for any major servicing of an electric vehicle (EV) or hybrid electric vehicle (HEV), and especially for servicing related to its powertrain or electronics. (More on this below.)

    Plus, if you service and repair your vehicle exclusively at the dealership, you could benefit from improved resale value and an easier, faster sale down the line—which saves you time and money. That’s because you’ll be able to advertise your car as “dealer-serviced with all records,” which gives potential buyers added peace of mind that servicing, repairs and updates are current, warranty-compatible and backed by the vehicle’s dealer network.

    In summary, while you don’t have to service your new vehicle entirely under the dealership’s roof, doing so can help streamline things and save you time. Just remember: If you suspect a warranty-covered problem, contact your dealership first.

    PROS

    • Better access to parts
    • Able to service complex and specialty models
    • All required equipment, parts and training
    • Access to manufacturer resources and tech support 
    • 100% warranty-approved parts and labour

    CONS

    • Often pricier than other options

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    Justin Pritchard

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  • How to deal with the rising costs of auto insurance due to car theft – MoneySense

    How to deal with the rising costs of auto insurance due to car theft – MoneySense

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    But with the most frequently stolen vehicles, even a tag may not necessarily reduce insurance premiums, experts warn.

    Every insurance company works differently, said McGuinty. “There’s no set standard response from the insurance industry in terms of, if you install an aftermarket tracking device, you will receive X premium discount,” he said. “That’s just not how it’s operating.”

    It could, however, deter potential thieves—which can affect insurance premiums in the future since drivers who have had a vehicle stolen in the past may pay more over time.

    Hands explained that taking preventive measures, even if an insurance company isn’t offering discounts or reimbursements, still benefits car owners. “The longer you can stay claims-free with your record, the better your insurance pricing should be,” Hands said. Shopping around for better deals on insurance is also a crucial cost-saving step. 

    Can you be denied insurance because of the model?

    Steve Henderson, a managing partner at Youngs Insurance Brokers Inc., says he has been noticing some insurance companies taking a step back by refusing to insure cars high up on the list of most stolen vehicles. When working with a client, he said he tries his best to get suitable deals and share any piece of advice coming down the chain from insurance companies.

    “We check our array of companies, we find out who’s the best,” Henderson said. “We try and use our companies to the advantage of the consumers.”

    How to prevent your car from being stolen

    Some tips to deter car thefts, and likely offer relief on insurance premiums, include parking inside the garage, locking the steering wheel with a device when parked outdoors; and storing car keys in a Faraday pouch, an aluminum-lined bag that blocks fob signals. Hands said people thinking of buying a new vehicle should look at the most-stolen vehicle models and check if their potential purchase is a part of the list.

    “If you’re looking for a vehicle as utility, picking a vehicle that’s not on this list might be something you might want to do, because it’ll help you save money in the long run,” Hands said.

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    Lisa Hannam

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  • The real costs of buying a car – MoneySense

    The real costs of buying a car – MoneySense

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    Mark Kalinowski, a credit counsellor and financial educator at the Credit Counselling Society, says you need to know what you can afford when it comes to a car loan. “If you can’t pay for it and they repossess it, well, now your credit’s ruined for a long time,” he said. You can only afford so much credit based on your income level, so if you take on a car loan, that will eat away at other borrowing capacity such as a mortgage, Kalinowski said. 

    How much is a car? Add interest, among other things

    When shopping for a car, the numbers can come fast and furious and they can add up quickly. It’s important to keep the total cost of the vehicle in mind, Kalinowski said, not just the monthly or biweekly payment you will have to make. “One of the big things you see in dealerships is they don’t sell you the price of the car, they sell you the payments,” he said. 

    Additions like an extended warranty and undercoating may only add a few dollars a month to your payment, he says, but they can pile up to add significant costs to the overall price. “They’re going to roll [it] into the financing, so now you’re gonna pay interest on it as well,” he said.

    Gone are the days of easy credit and dealership offerings of 0% financing for new cars and trucks, so it’s important to shop around to ensure you’re getting the best deal you can on your loan, said Natasha Macmillan, director of everyday banking at Ratehub.ca.

    “It can save hundreds to thousands of dollars or more for a car or anything like that,” she said. 

    Compare personalized quotes from Canada’s top car insurance providers.All in under 5 minutes with ratehub.ca. Let’s get started.*You will be leaving MoneySense. Just close the tab to return.

    Should you get a car loan from your bank or the dealership?

    Kalinowski said borrowing from your bank instead of using the dealership financing may also give you some additional bargaining power.

    Macmillan added that a better credit score typically means a better interest rate, so if you delay your purchase to give yourself time to improve your rating, it could save you money.

    The term of the loan is also key. A longer term will mean lower monthly payments, but will raise the overall cost of the vehicle because you will be paying interest on the amount you borrow for longer.

    Kalinowski said his father told him not to borrow money to buy a new car for a longer term than the vehicle’s warranty.

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    The Canadian Press

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  • The cost of getting your B.C. driver’s licence: driving school, road tests and more – MoneySense

    The cost of getting your B.C. driver’s licence: driving school, road tests and more – MoneySense

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    Auto insurance for new drivers in B.C. with an L or N licence

    In B.C., auto insurance is purchased through the ICBC’s broker network. When you have your L, you can’t take out your own auto insurance policy yet, since you can’t drive independently. Instead, you’ll need to be listed as a secondary driver on another policy (say, one of your parents), which typically costs $130 to $230 per year

    Once you get your N, however, and you decide to take out your own auto insurance policy, the costs will increase considerably. New drivers in B.C. who have just earned their N can pay as much as $3,000 per year for their own auto insurance policy—a 10-fold increase of what they paid when they had the L.

    Getting your full licence in B.C.

    The final step in the graduated licencing system is to get your full, unrestricted licence. Once you’ve had your N licence for 24 months with a clean driving record, you can go for your Class 5 road test, which costs $50, at any ICBC licensing office. If you’ve completed a Graduated Licencing Program course from an ICBC-accredited driving school, the wait time decreases from 24 to 18 months. 

    The Class 5 road test is a slightly more challenging version of the Class 7 road test. At this stage, you’ll be tested on things like turning, changing lanes and parking, in a variety of driving environments. For your Class 5 test, your examiner can take you on the highway, into busy commercial areas and through large intersections. 

    If you don’t pass the Class 5 test, you’ll need to wait 14 days before you can take the test again.

    Going to driving school in B.C.

    Throughout the graduated licencing process, driving school can help you learn the skills you need. The costs and types of driving lessons you’ll need will vary depending on which step of the graduated licencing process you’re at. 

    • L stage: To prepare for the L knowledge test, you can use the ICBC’s free Learn to Drive Smart app (available for iOS and Android). You can also buy a practice workbook or an online L test prep tool. These are relatively inexpensive, typically costing $20 to $50. It is a worthwhile investment, though, because each additional L test attempt costs $15, as well as a few hours of your time. 
    • N stage: You’ll want to explore taking a course that’s tailored to help you pass your Class 7 road test. There are two types of courses. The first (and more expensive) option is enrolling in a Graduated Licencing Program (GLP) course. GLP courses typically cost $1,400 to $1,600. Unfortunately, unlike in other Canadian provinces such as Ontario, going through a GLP in British Columbia doesn’t lower your auto insurance, but it has other perks. If you complete a GLP with an ICBC-approved driving school, you can qualify for a six-month wait time reduction between the time you get your N and the time you get your full licence (18 months instead of 24 months). Additionally, if you’re a high school student, you can get two high school credits. Instead of taking a GLP course, the other option at the N stage is to take any other preparation course for the Class 7 road test. Prep courses outside of the GLP are usually significantly cheaper, ranging from $900 to $1,200. Given the limited financial benefits of the GLP, most driving students in B.C. opt for the non-GLP option.
    • Class 5 road test stage: Finally, when you’re preparing for your Class 5 test, it’s a good idea to take a few practice lessons with a driving school. These lessons typically cost between $75 to $150 per hour. They will cover what you need to know for the Class 5 test.

    Overall, taking lessons with an ICBC-certified driving school can make you a safer driver and increase your chances of passing your road tests on the first try. Safe driving habits are something that you build for life, and investing in driver’s ed early in your licencing journey can pay dividends. 

    What is a B.C. driver’s abstract?

    You may hear the term “B.C. driver’s abstract.” Also known as the driving record, this is an official document that covers your driving history. It highlights any infractions, accidents or demerit points accumulated over the past five years. 

    You can obtain your driver’s abstract online, in person at an ICBC office, or by phone. Typically, driving abstracts are required when applying for a job that involves driving, moving to a new province or country, or seeking an insurance quote. There is no cost to get your driver’s abstract.

    How much does it cost for a new driver to be insured in B.C.?

    Once you have your full licence, you’ll need to get insured. In B.C., car insurance is provided through the Insurance Corporation of British Columbia (ICBC). For new drivers, insurance can cost as much as $3,000 per year.

    Your insurance rates will depend on several factors, including the type of licence you hold, your driving experience and your vehicle. As a new driver, your rates may be higher, but they can decrease over time if you maintain a safe driving record. As mentioned earlier, attending driving school unfortunately doesn’t lower insurance rates in B.C., but maintaining a safe driving record, combined with exploring low-kilometre and distance-based discounts, can add up. 

    Auto insurance in British Columbia can be purchased through any of the ICBC’s 900-plus licenced Autoplan brokers. Once you have insurance and your full, unrestricted licence, you’ll be ready to drive.

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    Mikael Castaldo

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  • A New Jersey city that limited street parking hasn’t had a traffic death in 7 years

    A New Jersey city that limited street parking hasn’t had a traffic death in 7 years

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    Street parking was already scarce in Hoboken, New Jersey, when the death of an elderly pedestrian spurred city leaders to remove even more spaces in a bid to end traffic fatalities.For seven years now, the city of nearly 60,000 people has reported resounding success: Not a single automobile occupant, bicyclist or pedestrian has died in a traffic crash since January 2017, elevating Hoboken as a national model for roadway safety.Mayor Ravi Bhalla was a City Council member in 2015 when a van struck 89-year-old Agnes Accera as she crossed Washington Street in the bustling downtown business district. Bhalla didn’t know Accera but attended her wake and said her death inspired him to push for better safety.“I felt it wasn’t acceptable,” Bhalla said. “Our seniors, who we owe the greatest duty of safety to, should be able to pass that street as safely as possible. For her to actually be killed was a trigger that we needed to take action.”In the video player above: New report shows traffic fatalities down 16% in NYC, but only in wealthier neighborhoodsBhalla became mayor in 2018 and the city fully committed to Vision Zero: a set of guidelines adopted by numerous cities, states and nations seeking to eliminate traffic deaths. Proponents believe no accident is truly unavoidable and even want to do away with the word “accident” altogether when describing roadway fatalities.Sweden originated the concept more than a quarter-century ago, and U.S. Transportation Secretary Pete Buttigieg touted Hoboken in 2022 when announcing his department would follow Vision Zero guidelines. Major U.S. cities including New York, Minneapolis, San Francisco, Baltimore and Portland, Oregon, have integrated aspects of the program into their safety plans, including at least some form of daylighting, the term for the removal of parking spaces near intersections to improve visibility.Hoboken’s success has chipped away at the notion that reaching zero traffic deaths is more aspirational than achievable.“That goal is obviously bold,” said Leah Shahum, founder and director of the Vision Zero Network, a nonprofit advocating for street safety. “It’s also meant to help us kind of shake off the complacency that we’ve had for too long that traffic deaths are inevitable, that what we’re experiencing today is just an unfortunate and unavailable byproduct of modern society. That’s not the case.”While Hoboken’s plan has numerous components, including lower speed limits and staggered traffic lights, daylighting is often credited as one of the biggest reasons its fatalities have dropped to zero.Ryan Sharp, the city’s transportation director, said when roads need to be repaved, Hoboken takes the additional step of cordoning off the street corners to widen curbs and shorten crosswalks. It’s already illegal to park at an intersection in Hoboken, but drivers often do anyway if there aren’t physical barriers.Some of the new concrete structures are equipped with bike racks, benches and even rain garden planters that help absorb stormwater runoff. If there isn’t enough money for an infrastructure solution right away, the city puts up temporary bollards.“There really isn’t a silver bullet or any magic, innovative thing where we’ve cracked a code,” Sharp said. “Our approach has been more about focusing on the fundamentals. We’ve created a program where we’re layering these things in year after year.”But removing parking from a place where it’s in short supply has critics. Joe Picolli, who opened Hoboken Barber Shop on Washington Street in 2018, said the curb extensions — or bumpouts — have made it difficult for downtown merchants to win back business lost during the pandemic.“Before the bumpouts, there were a lot more buses, a lot more cars, a lot more parking,” said Picolli, who lives in Point Pleasant, New Jersey, and sometimes has to trail street sweepers to find parking. “It’s good as far as people walking on the street, but it’s bad because you’re not getting the flow from other towns.”Although a bit larger than its Mile Square City nickname would imply, Hoboken ranks fourth nationwide in population density, trailing three other New Jersey cities and two spots ahead of New York, according to 2022 census data.While the compact footprint means everyone is within range of public transit, cars still crowd the major streets and curbsides.“We’re not New York City, but we’re not a suburb, either,” said Tammy Peng, who has lived in Hoboken for more than 15 years. “We’re kind of a weird in between. A lot of families keep a car because they want to run errands on the weekend, but Monday to Friday they’re commuting into the city.”While daylighting slightly lengthens her trips to soccer practice or the grocery store, Peng said it’s much easier to spot pedestrians crossing the street.Overall fatality numbers have remained largely unchanged since New York joined the Vision Zero movement in 2014 with a plan that included widening some curbs. Mayor Eric Adams boosted the city’s commitment in November by promising to daylight 1,000 intersections each year.Some cities have even used the practice to beautify their downtowns. Baltimore hired artists to liven up curb extensions with geometric shapes and vibrant colors.States are embracing daylighting as well. More than 40 had enacted some sort of daylighting law when California’s Legislature approved a new statewide rule in 2023 that prohibits parking within 20 feet (6 meters) of an intersection. Cities can set shorter distances with proof their plans are safe. Violators started receiving warnings in January and face fines beginning early next year.Assemblymember Alex Lee, who authored California’s legislation, said he was troubled by the fact that his state’s traffic fatalities were even higher than the national average, with around 1,100 pedestrians killed in both 2021 and 2022. Deaths were recorded at a similar pace through the first six months of 2023.Although cities in the nation’s most populous state range from behemoth metropolises to sparsely populated rural communities, Lee figured a statewide standard would eliminate any confusion. The only thing better, he contends, would be a national standard.“Just as I assume in every state you can’t park in front of a fire hydrant or can’t park close to the train track, it should be the same whether you’re in California or Nebraska,” Lee said. Stefanie Seskin, director of policy and practice at the National Association of City Transportation Officials, said signs are fine, but not nearly as effective as infrastructure changes.“It certainly takes a next level of chutzpah for a driver to park on a curb extension than it does to park where a sign says ‘please don’t,’” Seskin said.Jeff Speck, author of the book “Walkable City,” which makes the case for pedestrian-friendly downtowns, commends cities like Hoboken for improving visibility at intersections. However, he said some communities go too far by taking away too many parking spaces without adding physical barriers, creating broad “sight triangles” leading to increased speeding.“What a number of cities have done is overreacted to the laudable goal of daylighting and placed oversized no-parking zones around every driveway and curb cut,” Speck said. “That’s counterproductive.”In 2012, Seattle was one of the first major U.S. cities to pursue zero traffic deaths. Mike McGinn, the mayor at the time, said he wanted to recalibrate the public’s expectation of road safety to make it more akin to their thoughts on airplane safety, where no fatality is considered acceptable.Why, he asks, should downtown areas where people work, shop, or attend entertainment events have to settle for a lower standard?“This is literally the easiest real estate that should be given over to safety,” said McGinn, now executive director of the pedestrian advocacy group America Walks. “It’s low-hanging fruit.”

    Street parking was already scarce in Hoboken, New Jersey, when the death of an elderly pedestrian spurred city leaders to remove even more spaces in a bid to end traffic fatalities.

    For seven years now, the city of nearly 60,000 people has reported resounding success: Not a single automobile occupant, bicyclist or pedestrian has died in a traffic crash since January 2017, elevating Hoboken as a national model for roadway safety.

    Mayor Ravi Bhalla was a City Council member in 2015 when a van struck 89-year-old Agnes Accera as she crossed Washington Street in the bustling downtown business district. Bhalla didn’t know Accera but attended her wake and said her death inspired him to push for better safety.

    “I felt it wasn’t acceptable,” Bhalla said. “Our seniors, who we owe the greatest duty of safety to, should be able to pass that street as safely as possible. For her to actually be killed was a trigger that we needed to take action.”

    In the video player above: New report shows traffic fatalities down 16% in NYC, but only in wealthier neighborhoods

    Bhalla became mayor in 2018 and the city fully committed to Vision Zero: a set of guidelines adopted by numerous cities, states and nations seeking to eliminate traffic deaths. Proponents believe no accident is truly unavoidable and even want to do away with the word “accident” altogether when describing roadway fatalities.

    Sweden originated the concept more than a quarter-century ago, and U.S. Transportation Secretary Pete Buttigieg touted Hoboken in 2022 when announcing his department would follow Vision Zero guidelines. Major U.S. cities including New York, Minneapolis, San Francisco, Baltimore and Portland, Oregon, have integrated aspects of the program into their safety plans, including at least some form of daylighting, the term for the removal of parking spaces near intersections to improve visibility.

    Hoboken’s success has chipped away at the notion that reaching zero traffic deaths is more aspirational than achievable.

    “That goal is obviously bold,” said Leah Shahum, founder and director of the Vision Zero Network, a nonprofit advocating for street safety. “It’s also meant to help us kind of shake off the complacency that we’ve had for too long that traffic deaths are inevitable, that what we’re experiencing today is just an unfortunate and unavailable byproduct of modern society. That’s not the case.”

    While Hoboken’s plan has numerous components, including lower speed limits and staggered traffic lights, daylighting is often credited as one of the biggest reasons its fatalities have dropped to zero.

    Ryan Sharp, the city’s transportation director, said when roads need to be repaved, Hoboken takes the additional step of cordoning off the street corners to widen curbs and shorten crosswalks. It’s already illegal to park at an intersection in Hoboken, but drivers often do anyway if there aren’t physical barriers.

    Seth Wenig

    A car takes a corner at the intersection of Adams and 12th in Hoboken, N.J., Thursday, Feb. 22, 2024. This intersection has a number of pedestrian safety features, including planters as curb extenders, high visibility markings and textured surfaces, all in an effort to increase pedestrian safety. (AP Photo/Seth Wenig)

    Some of the new concrete structures are equipped with bike racks, benches and even rain garden planters that help absorb stormwater runoff. If there isn’t enough money for an infrastructure solution right away, the city puts up temporary bollards.

    “There really isn’t a silver bullet or any magic, innovative thing where we’ve cracked a code,” Sharp said. “Our approach has been more about focusing on the fundamentals. We’ve created a program where we’re layering these things in year after year.”

    But removing parking from a place where it’s in short supply has critics.

    Joe Picolli, who opened Hoboken Barber Shop on Washington Street in 2018, said the curb extensions — or bumpouts — have made it difficult for downtown merchants to win back business lost during the pandemic.

    “Before the bumpouts, there were a lot more buses, a lot more cars, a lot more parking,” said Picolli, who lives in Point Pleasant, New Jersey, and sometimes has to trail street sweepers to find parking. “It’s good as far as people walking on the street, but it’s bad because you’re not getting the flow from other towns.”

    Although a bit larger than its Mile Square City nickname would imply, Hoboken ranks fourth nationwide in population density, trailing three other New Jersey cities and two spots ahead of New York, according to 2022 census data.

    While the compact footprint means everyone is within range of public transit, cars still crowd the major streets and curbsides.

    “We’re not New York City, but we’re not a suburb, either,” said Tammy Peng, who has lived in Hoboken for more than 15 years. “We’re kind of a weird in between. A lot of families keep a car because they want to run errands on the weekend, but Monday to Friday they’re commuting into the city.”

    While daylighting slightly lengthens her trips to soccer practice or the grocery store, Peng said it’s much easier to spot pedestrians crossing the street.

    Overall fatality numbers have remained largely unchanged since New York joined the Vision Zero movement in 2014 with a plan that included widening some curbs. Mayor Eric Adams boosted the city’s commitment in November by promising to daylight 1,000 intersections each year.

    Some cities have even used the practice to beautify their downtowns. Baltimore hired artists to liven up curb extensions with geometric shapes and vibrant colors.

    States are embracing daylighting as well. More than 40 had enacted some sort of daylighting law when California’s Legislature approved a new statewide rule in 2023 that prohibits parking within 20 feet (6 meters) of an intersection. Cities can set shorter distances with proof their plans are safe. Violators started receiving warnings in January and face fines beginning early next year.

    Assemblymember Alex Lee, who authored California’s legislation, said he was troubled by the fact that his state’s traffic fatalities were even higher than the national average, with around 1,100 pedestrians killed in both 2021 and 2022. Deaths were recorded at a similar pace through the first six months of 2023.

    Although cities in the nation’s most populous state range from behemoth metropolises to sparsely populated rural communities, Lee figured a statewide standard would eliminate any confusion. The only thing better, he contends, would be a national standard.

    “Just as I assume in every state you can’t park in front of a fire hydrant or can’t park close to the train track, it should be the same whether you’re in California or Nebraska,” Lee said.

    Stefanie Seskin, director of policy and practice at the National Association of City Transportation Officials, said signs are fine, but not nearly as effective as infrastructure changes.

    “It certainly takes a next level of chutzpah for a driver to park on a curb extension than it does to park where a sign says ‘please don’t,’” Seskin said.

    Jeff Speck, author of the book “Walkable City,” which makes the case for pedestrian-friendly downtowns, commends cities like Hoboken for improving visibility at intersections. However, he said some communities go too far by taking away too many parking spaces without adding physical barriers, creating broad “sight triangles” leading to increased speeding.

    “What a number of cities have done is overreacted to the laudable goal of daylighting and placed oversized no-parking zones around every driveway and curb cut,” Speck said. “That’s counterproductive.”

    In 2012, Seattle was one of the first major U.S. cities to pursue zero traffic deaths. Mike McGinn, the mayor at the time, said he wanted to recalibrate the public’s expectation of road safety to make it more akin to their thoughts on airplane safety, where no fatality is considered acceptable.

    Why, he asks, should downtown areas where people work, shop, or attend entertainment events have to settle for a lower standard?

    “This is literally the easiest real estate that should be given over to safety,” said McGinn, now executive director of the pedestrian advocacy group America Walks. “It’s low-hanging fruit.”

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  • Grand Theft Auto 6’s hype has been defined by leaks

    Grand Theft Auto 6’s hype has been defined by leaks

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    With just over 24 hours left before Rockstar Games was set to debut its first Grand Theft Auto 6 trailer, a grainy video started circulating online: The GTA 6 trailer, but marked with a massive bitcoin watermark. About 30 minutes later Rockstar did the corporate equivalent of saying “Fuck it,” uploading the trailer and pointing to it in a terse post on X: “Our trailer has leaked so please watch the real thing on YouTube.”

    It’s unusual for a company like Rockstar to disregard its original, announced schedule and just post the thing, but it’s not the first time it’s happened. When The Last of Us Part 2’s PlayStation 5 remaster was leaked early on the PlayStation Store by data miners looking for new information, hours later, an official trailer popped up on YouTube, with several prominent Naughty Dog developers declaring that “leaks really suck.” (In Naughty Dog’s case, however, timing for The Last of Us Part 2’s remaster wasn’t announced, and it’s possible the YouTube release was its planned time.)

    Typically, in the event of a leak, a company starts issuing takedown requests as quickly as possible — which Rockstar did, of course — and waits it out until the planned debut. (We’ve seen this plenty of times when Pokémon games leak early; Nintendo and The Pokémon Company try to take things down, but don’t acknowledge leaks head-on.) In the case of GTA 6, the early launch of the trailer hasn’t diluted the hype, with the GTA 6 trailer reaching more than 85 million views by Tuesday morning. It’s quickly gaining on Rockstar’s debut Grand Theft Auto 5 trailer, which was published on Nov. 2, 2011, and has more than 99 million views.

    Image: Rockstar Studios/Rockstar Games

    Several Rockstar employees have expressed their upset feelings about the leak: “This fucking sucks,” one developer posted to X. (The post, and the developer’s X account, have since been deleted.) The GTA 6 trailer wasn’t the first video game trailer to be leaked, and it definitely won’t be the last in an internet landscape where everyone from fans to brands is always fighting for eyeballs.

    For better or worse, leaks have already become a part of GTA 6’s journey to its release — something that’s relatively on theme, as Rockstar’s upcoming game seemingly takes on the struggle for internet fame.

    Grand Theft Auto is one of the video game industry’s most successful properties, which makes it a hot target for hackers and potential leaks. GTA 5 was released 10 years ago, and people have been salivating ever since at the prospect of the sixth entry in the series. Rockstar has been quiet about GTA 6 for most of the past 10 years; the studio didn’t acknowledge the game was in development until February 2022. Later that year, GTA 6 made history as Rockstar’s developers were subject to one of the largest leaks in modern video game history.

    On Sept. 18, 2022, a hacker published more than 90 videos — roughly an hour’s worth of footage — from the in-development game. The leak was, and still is, unprecedented because of its sheer scope, the level of anticipation for the game in question, and because of how rare it is for fans to see huge parts of a AAA video game in a visibly unfinished state. The leaked footage depicted a GTA 6 that was clearly in development, with debug tools, blocked-out environments, and all.

    The sun sets behind a sign reading “Vice” in a screenshot from Grand Theft Auto 6

    Image: Rockstar Studios/Rockstar Games

    The hacker claimed to have accessed Rockstar’s internal Slack, which is an application workplaces use to communicate and share files. A United Kingdom court found that a U.K.-based 18-year-old, Arion Kurtaj, was largely responsible for the hack. Kurtaj had been previously arrested for other hacking incidents performed in association with notorious group Lapsus$, and he was out on bail when he went after Rockstar, Uber, and Revolut. Kurtaj’s hack of Rockstar was the last one he managed before he was caught again in a Travelodge hotel that he had been put up in following concerns for his safety (he was previously doxxed by “rival hackers,” according to the BBC). Kurtaj and a second 17-year-old hacker were found guilty in August. The BBC reported that the prosecution’s lead barrister on the case, Kevin Barry, said the hackers were motivated by “notoriety,” “financial gain,” and “amusement.”

    The damage had been done; many fans couldn’t resist the peek behind the curtain before the real show began. The hourlong clips in the leak gave eager GTA 6 fans a lot of material to work through, and by September of this year, the community had put together a 60-page document outlining every single detail from the leak.

    Rockstar announced in November that it would post a trailer in December, news that was first reported by Bloomberg and quickly confirmed by Rockstar. Last week, Rockstar finally announced a date for the trailer: Dec. 5. In the lead-up to the trailer drop date, several quick videos were uploaded to TikTok purporting to show parts of the GTA 6 Vice City map; the video clips, which quickly spread, appeared to be recordings of a computer screen. The source and credibility of these uploads remains unconfirmed, but they do seem to match the cityscapes we’ve now seen in the legitimate trailer. Somewhere along the way, rumors started circulating that the leak came from a Rockstar employee’s son, but Polygon is unable to verify those claims. It’s impossible to tell, of course, whether the TikTok leaks came from the same source as Dec. 4’s trailer leak.

    GTA 6’s legacy of leaks not only has an impact on how the community sees the game, but it’s something that affects developers, too. Rockstar is famously secretive — or perhaps notoriously so — and leaks are sometimes considered a rare look behind the curtain for fans, or even a triumph for transparency. Unfortunately, though, leaks can often have the opposite effect. Speaking to Wired in 2022, a AAA developer said leaking can tighten things up even more, making the industry more opaque — even within studios themselves. Sometimes, a “trust vacuum” forms between departments as studios investigate leaks internally, Wired reported. The player experience will rarely, if ever, be significantly altered by a leaked trailer or gameplay video, but the same can’t be said for the people making a leaked game.

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    Nicole Carpenter

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  • Why is auto insurance so expensive in Alberta? – MoneySense

    Why is auto insurance so expensive in Alberta? – MoneySense

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    Alberta premiums have gone up specifically due to soaring legal fees and other costs associated with lawsuits following accidents, which is not the case in other provinces. That’s thanks to a culture of litigation in the province, which isn’t as present in the rest of Canada.

    Over the last 10 years, the average size of accident benefit claims increased by 147% in Alberta, compared with 53% or less in other provinces. Put plainly, claims are higher in Alberta than elsewhere in Canada, due to bodily injury claims and escalating legal costs in Alberta. 

    The province of Alberta has consistently had the highest claims frequency for third-party liability, accident benefits, comprehensive and collision coverages, says a report from consulting firm MNP commissioned by the IBC.

    Huge auto-insurance legal costs are to blame as well. These costs have gone up in the province by 38% since 2018 and account for about 20% of the premiums drivers pay for mandatory auto insurance coverage in Alberta. 

    “This is equivalent to nearly $200 for each policy annually,” the IBC has stated in a recent report.

    Another contributing factor, according to MNP, is the increasing cost and length of car repairs. A Toyota RAV4 bumper costs $4,144 to replace today, up 50% from $2,769 in 2017. Also, 24% of auto sales in Alberta are of trucks, which is higher than the national average of 18.1%.

    Supply chain issues have slowed down auto parts replacement, as any car owner who’s had to cool their heels for a part to arrive at their mechanic can attest to. This waiting has had a knock-on effect of making car rental lengths longer in Alberta as well. 

    TOYOTA RAV4 model year Cost of repair Total increase of repairs
    2017 17 parts total cost of repair: $2,769 n/a
    2022 39 parts total cost to repair: $4,144 50% increase from 2017 (newer vehicles have complex technology and more parts to repair)

    Source: IBC

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    Helen Racanelli

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  • Ford Mustang Mach-E: The best used EV in Canada – MoneySense

    Ford Mustang Mach-E: The best used EV in Canada – MoneySense

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    This next-generation EV went on to earn the favour of owners, reviewers and industry authorities alike. According to most experts, it remains one of its best offerings after several years of racking up positive reviews and awards.

    Is the Mustang Mach-E a good car?

    Yes, for many reasons. This SUV has excellent road manners. The Mustang Mach-E’s interior offers a roomy cabin with easy-to-fold seats. The added storage of the front-mounted “frunk” is a key draw, along with a strong technology and safety package. The Mach-E has tempted many electric-curious shoppers to buy their first electric car.

    In today’s used market, shoppers can expect to find plenty of selection for lightly used EVs, with many vehicles offering winter-ready all-wheel drive (AWD) and priced around $50,000. With many Canadian shoppers considering AWD a mandatory feature these days, a used Ford Mustang Mach-E puts a persuasive AWD-equipped pick into the same pricing ballpark as a brand-new front-drive competitor.

    With an eight-year factory battery warranty, available Certified Pre-Owned (CPO) perks and virtually no ongoing maintenance, a used Mustang Mach-E gives shoppers a strong taste of modern electric motoring without the waiting lists and pre-delivery inspection (PDI) charges. (For more recommendations for pre-owned vehicles, read my picks for the best used cars in Canada.)

    Fun fact

    The Mustang Mach-E is available with BlueCruise, a hands-free driver support system that enables extended periods of hands-free driving on pre-qualified divided highways. When entering a compatible stretch of highway (called a Blue Zone), drivers can engage BlueCruise with a click and experience hands-free driving while they keep their eyes on the road.

    Best EV at the Canadian Car of the Year awards

    There’s a more important reason for calling the Mach-E a top pick for a used EV: it’s an award-winner when it comes to the Automobile Journalists Association of Canada’s 2022 Canadian Car of the Year testing data. When the Mach-E was originally tested by this panel of Canadian experts, it took the top score in the category, leaving both the Hyundai Kona Electric and Kia Niro EV trailing behind by a considerable margin.

    After dozens of judges submitted their scores, the Ford Mustang Mach-E came away with top marks virtually across the board—including for cargo, refinement, throttle response, ride comfort and features. This impressive showing in its first year of testing strongly indicates that Ford got the Mustang Mach-E just right, right out of the gate.

    How much is insurance for a Ford Mustang Mach-E?

    Auto insurance quotes are based on several factors, including your age, location and more. Here’s the estimated monthly cost to insure a 2023 Ford F-150 Lightning for these driver profiles:

    • Female, age 35, living in Toronto, with a clean driving record: $178
    • Male, age 35, living in Toronto, with a clean driving record: $179
    • Gender X, age 35, living in Toronto, with a clean driving record: $178

    Quotes provided by Ratehub*. (Ratehub and MoneySense are both owned by Ratehub Inc.) Policies include $1 million liability coverage, $1,000 collision deductible and $1,000 comprehensive deductible, with discounts for bundling and UBI.

    2021 Ford Mustang Mach-E specifications

    • Starting price: $54,999
    • Body type: SUV
    • Powertrain layout: Rear motor, rear-drive or dual motor AWD
    • Horsepower: Up to 480
    • Torque (lb-ft): Up to 634 
    • Battery capacity: Up to 88 kWh
    • Range: Up to 483 km
    • Charging time: Approximately 10 h at 240 V
    • Energy consumption (kWh/100 km as per NRCan): 20.7 (combined)

    Prices and specifications are subject to change.

    Read more about autos:




    About Justin Pritchard

    Justin Pritchard is an automotive journalist and award-winning presenter, photographer, videographer and technical writer in Sudbury, Ont. He is a former co-chair of the Canadian Car of the Year Awards, and his passion for vehicle testing is the core of his work.

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  • VW ID. Buzz: The best EV in Canada for size and interior space – MoneySense

    VW ID. Buzz: The best EV in Canada for size and interior space – MoneySense

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    Globally, the ID. Buzz is offered in short-wheelbase and long-wheelbase options, the latter growing in length by about 26 centimeters (10 inches). This will be the version of the VW ID. Buzz available in Canada. It can accommodate up to seven passengers, and the seats are fully removable. 

    Both rear-wheel and all-wheel drive models will be available, with AWD-equipped models expected to deliver over 320 horsepower. The ID. Buzz will charge from 10% to 80% in less than a half-hour while fast-charging, though most drivers will recharge at home or work.

    Photo courtesy of Volkswagen

    How much interior space will the VW ID. Buzz have?

    The real reason the ID. Buzz is on our list as the best EV for space and size comes down to the numbers. When space matters, this one’s going to be hard to beat. The VW ID. Buzz interior is impressive. Excluding the Tesla Model X (and its $109,990 starting price in Canada), this EV is the most spacious all-electric for your buck, according to the specifications.

    With 1,233 litres of cargo capacity and a maximum cargo volume of 2,593 litres, the ID. Buzz gives shoppers access to one of the largest EV interiors on the road at a significant price advantage—making it an easy choice for this category. The VW ID. Buzz price in Canada is estimated at $45,000.

    Fun fact

    The VW ID. Buzz has dual sliding electric doors, a power tailgate and an electrochromic panoramic sunroof that tints at a button press. It also has the ID. Light system, which allows the vehicle to communicate with its driver using a coloured light strip that runs across the top of the interior dashboard, just behind the lower edge of the windshield.

    When will the VW ID. Buzz be available in Canada?

    The VW ID. Buzz is expected to arrive in Canada in mid-2024. Further details on this EV will be announced closer to its launch and pre-order opening date in late 2024.

    How much is insurance for a VW ID. Buzz?

    Insurance details are not yet available for the 2024 VW ID. Buzz. Check back in late 2024!

    Volkswagen ID. Buzz preliminary specifications

    • Starting price: Approximately $45,000 (to be confirmed)
    • Body type: Van
    • Powertrain layout: Dual motor AWD or single-motor rear-drive
    • Horsepower: 282 (rear-wheel drive), 330 (all-wheel drive)
    • Torque (lb-ft): 229
    • Battery capacity: 91 kWh
    • Range: Not available
    • Charging time: Approximately 8 h at 240 V
    • Energy consumption: Not available

    Prices and specifications are subject to change.

    Read more about autos:



    About Justin Pritchard


    About Justin Pritchard

    Justin Pritchard is an automotive journalist and award-winning presenter, photographer, videographer and technical writer in Sudbury, Ont. He is a former co-chair of the Canadian Car of the Year Awards, and his passion for vehicle testing is the core of his work.

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    Justin Pritchard

    Source link