MAY 15, 2007
VOLUME 4 NO. 9
PHYSICIAN LIFE

PERSONAL FINANCE

The flashy car you want, the safe
car you need

Doctors deserve some high-octane fun. How to choose your next car


Springtime and a young doctor's fancy turns to — cars. This is the time of year car manufacturers wait for all year and this year the waiting has been especially tense for the American Big Three. Lagging sales, billion dollar losses, rumours of a sale in the case of Chrysler, possible bankruptcy for GM, and layoffs and gigantic quarter to quarter losses at Ford make this a make or break season.

While the headlines highlight the grim financial news, the automakers themselves have been busy retooling and adopting their offerings to the new reality of high oil prices going higher. The Japanese have had the market pretty much to themselves for the past several years but that's changing. There are so many new offerings from Oshawa and Detroit that, this year especially, it's worth visiting dealerships for all three companies before making a final choice. And, of course, you can't overlook the Japanese or the Germans.

Automobile Magazine picked ten cars as 2007 all-stars (www.automobilemag.com) and heading the list is the fully redesigned Volkswagen GTI. Though it hardly fits the image of a physician's car, if you enjoy the thrill of the ride then this one is clearly worth taking for a test run. Other cars on the list include the newly tooled BMW 3 series, the handsome Chrysler 300 and, predictably, the very high end Mercedes 5 class, praised for its technical advances. When it comes to lower sticker-priced vehicles, the only small car on the list is the Mazda 3.

ENVIRO-FRIENDLY
As far as fuel economy goes, you're on your own though even here there are options. Hybrids save the most fuel when they're used extensively for city driving when the electric system kicks in. On the highway their standard gas burning engines use as much fuel as any comparable vehicle.

Another fuel-friendly alternative is the diesel engine, about 12% more fuel efficient than its gasoline-burning brethren. New technology has greatly reduced negative emissions and car makers have stepped up to the plate with new models. Again, the foreign makers are in the lead with new diesel engine-fitted cars coming from Toyota, Honda and Nissan. BMW and Volkswagen are bringing in more diesels from Europe where the engine has long been a standard. Of the big three, GM has the most ambitious plans: watch for new 2008 models.

SAFETY FEATURES
Beefed-up safety features are available on most vehicles as an option. When it comes to safety, your money is well spent. Here are some of the features you should seriously consider on your next vehicle:

Air bags All cars come with front bags. Add side bags and any others that are available. Some cars now offer rear seat bags, for example, which experts say provide worthwhile protection to those in the back seat and front as well by preventing those in the rear from slamming into the back of the front seat and driving it forward. Only BMWs and Volvos come equipped with a full complement of air bags as standard equipment. Saab has a feature not found in other cars: in a rear end accident, the head rests are automatically raised to help reduce the effects of whiplash.

Stability and control You want this option which allows the car's computer to take over in what it perceives to be dangerous situations. The automatic systems react more quickly to changes than can a human driver. Rollover prevention is also an option and, again, a desirable one. Safety experts estimate that rollover is the cause of death in about 1,000 crashes a year in Canada.

All-wheel drive If you confine your driving to downtown Toronto and Vancouver you may not need this option, but elsewhere it's a good one to have. It's especially effective in snow. One caveat for drivers of four-wheel drive vehicles: Don't use four-wheel drive in snow except to get you out if you're stuck. All-wheel drive vehicles shift the torque between front and rear axles depending on where it's required, but four-wheel drive sends the same torque to both axles and could get you into more trouble on snow and ice than even a conventional front- or rear-wheel driven car.

Super bright lights Yes to this one if you do a lot of nighttime highway driving. High Intensity Discharge (HID) headlights also offer the same illumination and are equally desirable.

Adjustable steering wheel and pedals The safety experts give these options high marks. They allow individual drivers to make adjustments to keep the maximum distance between their bodies and the steering wheel column. The greater the distance, the safer you are in an accident.

Bluetooth If you use the phone in the car a lot — most of your colleagues are guilty here — go for the Bluetooth option. With a similarly equipped phone, the car system automatically takes over and you can dial and talk without fiddling. Though most of us still do it from time to time, using a conventional cell phone while driving is definitely a no-no and will almost certainly be banned in most jurisdictions in the next few years. Cars equipped with Bluetooth are the alternative option.

OPTIONS YOU DON'T NEED, BUT
Rear camera This item flashes a TV image of what's behind you on the screen in the dashboard. Physicians with a record of backing over bikes and into cars while parking might like this one.

Satellite radio Long drives across the country can be soothed with this option. It costs about $15 a month so consider a unit that can also be taken inside and hooked up to your stereo system. Dial Sirius Radio 137 for CBC from coast to coast to coast. If you balk at the dealer price, go online — there are dozens of deals out there which include free installation.

 

 

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