September 13, 2023 • 30 mins
Ever had the unsettling feeling that you could be unwittingly committing auto insurance fraud? Fret not, as we unravel this complex topic with Divya Sangram from Lending Tree and Value Penguin. We shed light on deceptive tactics that can trap unsuspecting policyholders into fraud and the repercussions that hit hard. With surprising stats revealing 39% of millennials admit to such practices, it's a must-listen for car owners and enthusiasts alike.
We then shift gears to a hands-on review of the sleek 2023 Hyundai Santa Fe Hybrid. We look at the sharp design elements and fuel efficiency that this hybrid SUV brings to the table. If a 1.6 liter turbocharged engine and a remarkable 31 miles/gallon on a 433.5-mile trip pique your interest, you'll surely enjoy our detailed exploration of this small SUV.
We wrap up this episode by introducing you to our award-winning In-Wheel Time Car Talk Show, your go-to source for all things automotive. Whether you're keen to get the latest industry news or looking forward to an upcoming Veterans Day car show, we've got you covered. Join our expanding In Wheel Time family and immerse yourself in a world where car talk never ends.
Be sure to subscribe for more In Wheel Time Car Talk!
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:03):
Welcome to another In Wheel Time podcast, a 30 minute
mini version of the In WheelTime car show that airs live
every Saturday morning 8 to 11amcentral Live on the iHeart app.
It's the In Wheel Time car talkshow coming up.
We talked to Divya Sangram andhow you may be committing
(00:26):
insurance fraud and you may ormay not know it.
I bet you do know it, I got todrive the 2023 Hyundai Santa Fe
Hybrid.
I'll give you my thoughts on it.
Conrad has the cruise incalendar, the cruise in calendar
and this week in Auto Historyand later we talk about a big
Veterans Day car show coming up.
(00:48):
Make plans to go to.
Plus, we'll break into storiesmaking automotive news headlines
Just ahead on the In Wheel Timecar talk show, along with Mike
out of this world, mars KingConrad Belong.
We always need more.
Jeff Seekin, I'm Don Armstrong,so glad that you could join us
on this Saturday morning for ourlive show.
If you're listening to one ofour podcasts or broadcasts
(01:11):
elsewhere that's taped andbeaten, then welcome to that as
well.
In 40 countries, in 40countries around the world,
divya Sangram is with LendingTree and Value Penguin.
Divya, it's good to see youagain.
How are you?
Speaker 3 (01:30):
I'm good and thank you for having me on the show.
Speaker 1 (01:33):
I always enjoy speaking with you guys on this
Saturday morning and you knowI'll bet you do and do not.
Speaker 3 (01:39):
No, actually I do love it.
I always love talking aboutcars and insurance, and no other
better way to spend a Saturdaymorning.
Speaker 1 (01:48):
So when Mr Mars told me that you were going to be on,
I said, okay, what's she goingto talk about?
And he sends me this sheet ofpaper and I'm going wait a
minute.
Most Americans say they'venever committed insurance fraud,
but many employ fraudulentpractices to save money.
Yeah, and that kind of it's awake up call, Hello, really,
(02:12):
because they are not totallyhonest with the insurance person
that's going to write thepolicy about.
Well, have you had any tickets?
Well, no, I haven't.
And then they go and check andthey've had tickets.
Speaker 3 (02:23):
Yeah, and that's just the tip of the iceberg, right?
You know people are lying abouttheir address.
You know they're like oh youknow, if I give my actual
address I may get higher rates.
So let me put down my officeaddress or a friend's address,
because their zip code has lowerrates.
That's one kind of little liethat people are telling yeah,
(02:43):
that's what I'm thinking.
Speaker 2 (02:45):
Let me make a note of that.
I remember that one.
Speaker 4 (02:48):
Where can we get these zip codes?
Speaker 3 (02:52):
And you know people are trying to pass off wear and
tear or you know old accidentdamage in their current claims
and you know we call you, knowthat's actually fraud.
You're not supposed to do that.
You don't try to claim fordamages that didn't actually
happen during an accident.
More horrifyingly, people aredeclaring their car stolen to
(03:16):
cash in.
Speaker 2 (03:16):
Oh, my God, I believe that one.
Speaker 3 (03:20):
I was really taken aback by that because to me
that's very obviously fraud.
But you know, the folk weinterviewed didn't seem to think
so.
They just thought it's a goodway to save money.
And you know, in terms of thefindings, 91% of Americans we
surveyed said they've nevercommitted auto insurance fraud.
(03:40):
But then you break it down andyou start looking at these money
saving tactics, which areactually lying or misleading
your insurer, which is fraud.
That number is extremely high,especially among millennials.
That really took me aback.
Speaker 1 (03:53):
I was just going to say.
I know that 39% of millennialauto insurance policyholders
admit to using deceptive tacticsto save money on their
insurance, compared with just 3%of us baby boomers oh wow.
Well, where did that come from?
Speaker 2 (04:12):
Who taught the kids to cheat?
Speaker 3 (04:15):
You know, that was really surprising to us and we
were talking about it in ourteams.
Right, and perhaps a huge partof it is just to lack up
awareness that what they'redoing is wrong.
You think about the way thatyou know the boomer generation
has traditionally bought autoinsurance.
It involves dealing with aperson, an agent.
(04:35):
You've probably had in-personinspections, so you know these
people would have taken the timeto explain to you how your
policy works and what you shouldand shouldn't do.
But my generation, I'm amillennial.
I don't lie to my insurancecompany, by the way, but I am
going to.
Speaker 1 (04:51):
That we know of A disclaimer you don't bite the
hand that feeds you, right?
Speaker 3 (04:55):
Well, that was also.
Speaker 1 (04:57):
You know, I'm terrified of lying, so Let me
ask you what is the punishmentfor the fraud and which state
has the most fraud?
Speaker 3 (05:06):
So our research didn't dig into which state has
the most fraud.
It was a national survey.
But in terms of punishment forfraud, I think most of us
associate fraud with what wecall hard fraud, that is,
staging an accident or burningdown something, trying to
collect on insurance money, andthat is the most serious kind of
fraud.
You can get jail time.
(05:27):
You can get heavy fines for it.
But misleading your insurancecompany is what we call soft
fraud.
You may not go to jail for it,but you will face penalties.
For example, it will raise yourpremiums.
Speaker 2 (05:41):
Yeah, okay.
Speaker 3 (05:42):
And we all know insurance is getting expensive.
Do you really want to do stuffthat will make your insurance
more expensive?
That's the one thing.
The other thing is, if theinsurance company finds out that
you are someone with thepotential to commit fraud or you
have defrauded them in somesmall way, they will put a mark
on your file, which means if youtry to shop around for
(06:03):
insurance, you're still going toget higher premiums.
Speaker 1 (06:06):
Because everybody knows so is there?
Is there some sort of a poolthat you guys go to to look at?
Like if I'm going to switchfrom all state to state farm,
state farm is going to look atmy record over at all state.
Speaker 3 (06:21):
Yeah and they will.
So it's really not worth ittrying to lie to one insurance
company because they can findout and they're getting really
smart about it.
People who think they've gottenaway with it.
I just want to say you're notgoing to get away with it
anymore.
Insurance companies arespending a lot of money on
technology that's helping themidentify fraud.
(06:43):
There's talk about bringingback in-person car inspections
every time someone's applyingfor a new policy and, honestly,
they're losing millions ofdollars every year on fraud.
I remember reading a statisticsomewhere that almost 20% of all
insurance claims are fraudulentor partially fraudulent.
And in the current environmentwe're in, you cannot control the
(07:06):
climate right.
Climate change is happening,extreme weather is happening and
it's causing insurancecompanies huge losses.
But they can control fraud andthey're going to do everything
they can to control fraud and tocontrol those losses.
Speaker 1 (07:18):
So I don't remember when it was, but it was probably
back in the 80s.
I'm guessing that I actuallyhad to take my car to an
insurance office and have themcome out and look at the car.
I don't remember what it wasfor, it wasn't an accident, but
they had to look at the car toinsure it and sometimes they
(07:39):
take pictures.
Oh, they took pictures andasked me questions.
Speaker 4 (07:43):
I remember doing that back in the late 60s because by
the hot rod bus things andthings like that.
The insurance agent wanted tosee it.
Speaker 1 (07:54):
I can only imagine that it would be almost
impossible to be able to haveall of your clients, at one
point during the year, come toyour insurance office to have
them inspect your car.
Speaker 2 (08:07):
Well, I think some of that with the insurance
companies and tell me if I'mright or wrong are using the
internet to learn things,because Car Facts is a pretty
good database.
Because of an insurance companypays to fix your vehicle, that
gets reported.
A lot of mechanical repairs andmaintenance is reported to Car
Facts as well, but I thinkinsurance fraud is far greater
(08:30):
than anybody really wants toadmit.
Speaker 4 (08:32):
So what she's saying is that when we're all back in
school and they don't do that,it's going to go on your
permanent record.
Well, here you go, it's yourpermanent record, that's exactly
right.
Speaker 1 (08:39):
You know, of course.
You know I'm what am I?
3% of baby boomers?
I'm not in that 3% that cheatsand I'm sure that over my
lifetime, so far anyway, I'vepaid a lot more money than most
people for the same policybecause I am honest and I could
listen.
I was the kid that always gotcaught egging the teacher's
(09:01):
house or wrapping somebody'shouse.
I always got caught, right.
Speaker 2 (09:06):
And the fraud isn't just by the insured person.
The fraud is also by the vendorthat's repairing the vehicle
for the insurance company.
So you know the body shop.
Oh well, let's include this,let's include this.
Speaker 3 (09:22):
So this is scratch.
Speaker 2 (09:23):
So we kind of build the ticket a little bit to
submit to the insurance.
Speaker 1 (09:27):
Because they can make more money.
Speaker 2 (09:28):
Yeah.
Well, yeah, because they'remaking more money and so many of
them are what are called proshops now.
So the insurance company truststhem to be honest with them,
and are they always?
I don't know.
Speaker 3 (09:40):
That's a really good point and I just wanted to
highlight one thing about that.
So when you go to a shop andthey're telling you, oh, let's
pad the repair cost so you knowyou meet the deductible.
Speaker 4 (09:51):
Exactly what I was thinking.
Speaker 3 (09:54):
And you know, as a consumer, you may think oh yeah,
I know, I think that's a greatidea because then I only need to
pay this small sum out ofpocket and then I'll get like a
really amazing job done on mycar.
So, as a consumer, your firstthought is it doesn't really
affect me, it's just between theshop and the insurance company.
I just want to remind everyoneif the insurance company finds
(10:15):
out that it's a fraudulent claimand they deny it, you still
have to pay for those repairsand since it's a padded repair
claim, it's going to set youback several thousand dollars.
So it's really not worth it.
Speaker 2 (10:28):
And going to permanent record?
Yeah, because, because avoidingthe deductible is fraud in
itself.
Speaker 3 (10:33):
Yeah, especially if you're making things up to add
to that repair bill.
You know you're going to say,oh, it looks like your tires are
a little wonky, let's throwthat in.
We'll say that you know it gotpunctured in the accident and
that's terrible.
Don't do that.
You know it's best to stay ashonest as possible and if your
shop is doing that, I'd saymaybe shop around and look for a
(10:54):
more honest mechanic.
Speaker 1 (10:55):
Well, all of this stuff doesn't just it's not
exclusive to the automotiveindustry.
I understand that people arealso doing deception claims with
their home insurance policy.
Wow, yeah.
Speaker 3 (11:10):
And you know the deception, especially with
homeowners insurance, it tendsto be more of a lies of the
mission.
They won't tell their insurancecompany that they have a
trampoline or a swimming pool oreven certain breeds of dogs
which insurance companiesconsider dangerous.
And by not disclosing this, ifyour insurance company finds out
(11:31):
, they're probably not going tonon renew your policy.
And right now it is so hard toget homeowners insurance that
have.
Facing a non renewal is justgoing to make things six to
seven times harder for you ifyou need to shop around and get
another policy.
Speaker 1 (11:46):
Well and more expensive.
Let me just say this about that, especially here in the Houston
area, with all of our floodsthe flood insurance policies
that if you can get one, it'sgoing to cost you an arm and a
leg.
So beware.
Speaker 2 (12:02):
Well, I have flood insurance as well and we've had
it for 20 plus years and it'sgone and it's a national flood
policy, but it's gone from $400like $680 since.
Harvey.
It's really elevated and cost.
Speaker 1 (12:16):
So let me ask you, how do we prevent these younger
Americans, the Gen X's, the GenZ's and that sort of stuff, to
just be aware and change theirperspective of getting insurance
, lying, cheating and stealing?
Speaker 3 (12:32):
I mean, you know it's very simple, right?
You have to tell them that themore they lie to their insurance
companies, the more theydefraud them.
They're the ones who are goingto be paying in the long term,
because every loss the insurancecompany faces they pass on to
us policy holders in the form ofhigher premiums.
And I think this is the correcttime to talk to people about
(12:54):
this, because you knoweveryone's grumbling about how
expensive every kind ofinsurance is thought in.
Well, then, remind them hey, somaybe let's not commit fraud so
that our rates don't go upfurther.
We cannot control the weather,you know.
We cannot control economicfactors, but we can control how
we interact with the insurancecompany.
(13:14):
So maybe let's cut back onfraud and also just to remind
it's a good time to remind folksthat you can get away with it.
Speaker 1 (13:23):
Is an uninsured driver committing fraud.
Speaker 3 (13:26):
No, they may be breaking the law by being
uninsured, depending on whichstate they're in, but they're
not committing fraud.
Speaker 1 (13:33):
Okay, but they're costing my insurance company and
me because I pay a priorpremium.
Speaker 3 (13:39):
Premium.
Speaker 1 (13:40):
Yeah, for uninsured motorist, and so and more.
It seems more often these daysthere are a lot of people that
don't have insurance, and sothen does the insurance company
sue them for not havinginsurance, or is it just
strictly a law thing that Iguess that is a loss?
(14:00):
Yeah, but I mean, if you have arack and the guy doesn't have
insurance, does the policeofficer write them a check for
not have, write them a citationfor not having?
Speaker 3 (14:12):
insurance.
You will be cited for nothaving insurance, but while the
insurance company can try to suethat person more like, the
likelihood of them getting anymoney out of them is very small,
because most uninsuredAmericans also happen to be very
poor.
Speaker 2 (14:29):
Can't get blood from a turnip, yeah.
Speaker 3 (14:32):
But I'll tell you where the uninsured will face
penalties.
They will when they try toapply for insurance, because if
you've been uninsured for aperiod of time, you will be
considered an extremely highrisk driver.
So when you apply for insuranceyou're going to be charged the
highest possible rate.
Speaker 1 (14:48):
Well, here in the state of Texas you have to have
insurance on the car before youcan get your registration every
year.
So how do people get aroundthat?
Speaker 3 (14:59):
I guess they're probably sharing their car with
someone.
You have that one wonkybrother-in-law who's borrowing a
car.
Speaker 2 (15:09):
He lives in the basement.
Speaker 3 (15:12):
And a lot of times people don't declare that that
person is driving the car, sothese people can get away with
driving a car without insurance.
Speaker 2 (15:22):
Well, plus, you can get that insurance card for a
month and then cancel a house.
Yeah, so that's enough to getyou on the road, on the road
Again.
Speaker 4 (15:33):
Let me ask you about another situation.
So I get granddaughters thatare getting their driver's
license and things like that soif they're driving my cars,
which my policy will let anoccasional driver in, it'll
cover them.
So, without the name in thecase, what will happen If I'm
letting her drive it to schoolto work every day?
Isn't that a type of fraud?
(15:55):
Because if I don't tell myinsurance company that I've got
a 17-year-old driver now, puther on a policy.
Speaker 3 (16:01):
yeah, yeah, I mean, more often than not, the moment
there is a licensed teen driverliving at your address, the
insurance companies will knowand they will automatically
charge it to your policy.
So if you're a parent of ateenager who's just gotten their
license, you're going to get apiece of mail from the insurance
(16:21):
company saying that your rateshave increased.
So the insurance companies arereally good about it.
But in your case, because it'syour granddaughter, you should
be disclosing the fact thatshe's driving it on a regular
basis to your insurance company,because if you don't and they
find out, not only will theyraise your rates, they may put
it on your file that you havemisled them.
Speaker 4 (16:41):
Or cancel your insurance.
Hey, can you handle?
Speaker 2 (16:43):
that for Mike, if she gets into an accident.
Speaker 4 (16:45):
They may deny the claim because she wasn't
supposed to be driving it towork every day.
Speaker 1 (16:54):
Okay.
So in other words, Mike, gether out of the dang car, get her
own, let her get her own.
No, you buy her her own.
Speaker 2 (17:02):
It's cheaper than paying insurance.
Speaker 3 (17:05):
I will say this even if you buy her own car, you
still have to pay for insurance.
Speaker 1 (17:09):
Sure.
Speaker 3 (17:10):
Yeah.
Speaker 1 (17:11):
And the car that you would buy, you know some $3,000
beater.
You don't need, all you need isliability insurance on it.
Am I correct?
Speaker 3 (17:19):
Yeah.
Speaker 1 (17:19):
Yeah.
Speaker 3 (17:21):
And you know that's probably going to still going to
be really expensive.
So teenage insurance can setyou back thousands of dollars a
year and there is absolutelynothing you can do about it
because teenage drivers areconsidered extremely high risk.
Speaker 2 (17:36):
But, both of mine cost a lot of money.
Speaker 3 (17:38):
My granddaughter instead of grandson.
These boys are charged moremoney than girls.
Speaker 4 (17:43):
That's a good point.
There was a point in time whenI was a teenager that I was not
here as good a driver as I amnow.
Speaker 2 (17:51):
You're still not that good.
You still don't like a driver.
Speaker 4 (17:53):
Well, I don't pay $1,000 a month now like I did
back then.
Speaker 2 (17:56):
That's because you don't have insurance.
Speaker 1 (17:59):
I've been with you when you drive.
Forget it.
You scare me.
I don't know how you've made itthis long.
Devia, where can we go to getmore information on all this?
Speaker 3 (18:10):
So all you can do is go to wwwvaluepingwincom forward
slash receiving dash insurersslash dash survey.
That's where you can read ourreport and you know there's a
lot of good information in thereon what you can do if you've
accidentally misled your insurer, because sometimes these are
honest mistakes.
You know you may have underquoted the amount of miles you
(18:33):
drive per year and that's normal, you know.
Just let your insurance companyknow they will appreciate the
honesty that you're trying tofix your mistakes.
Just don't make it a point tolet your insurance company to
save money.
Speaker 1 (18:44):
Devia, it's always great to talk to you.
Thank you so much for gettingup and talking to us this
morning and stay in touch withus.
Let us know what you got next.
Speaker 3 (18:52):
Yeah, I will do.
Thank you so much for having me.
Speaker 1 (18:55):
You bet.
Thank you, bye-bye.
Devia Sangram and she is withValue Penguin Lending Tree, so
she knows her stuff when itcomes to that insurance stuff.
Speaker 4 (19:05):
We've had her on before.
Speaker 1 (19:06):
Yeah, she's great, we'll have her on again.
Speaker 2 (19:08):
Great, great stuff.
Speaker 1 (19:10):
What I like about it is it's easy to understand her.
Speaker 4 (19:13):
The way she explains it.
She explains it properly, yeah.
Speaker 1 (19:15):
Even we can understand it.
That's tough to do, that istough to do Can be Thanks for
joining us over today's In-WheelTime Car Talk Show Time.
Now for the Cruise Inn calendar.
Let's keep it short and givehim a minute.
Speaker 2 (19:26):
Here's Conrad.
So again, you know, one of thecruisans next weekend is Coffee
and Cars.
At the Woodlands High school wejust had them on.
Nifty 50's is tonight at 5 pmin the Woodlands off Buckthorn
Place and that's running from 5to 10 pm.
Smooth Nights in Mount BellevuePark is tonight at 6 pm and
(19:50):
that's off of Eagle Drive inMount Bellevue.
What's so funny?
Speaker 4 (19:53):
I'm just wondering, is that where the police found
you then In Mount Bellevue, inthe park?
And this is all depending onrain, if it rains these are
probably postponed or canceled.
Speaker 2 (20:06):
And then also tonight at 9 pm to 12 am is the Paul
Walker Memorial Car Meet at FaizTech Performance on North
Eldridge Parkway.
Sinton Fiddler is Fest and Bikeand Car Show.
Wait a minute.
Repeat that Sinton, s-i-n-t-o-n.
Sinton.
Speaker 1 (20:25):
Fiddler.
He's just down towards Corpus.
Speaker 2 (20:26):
Sinton Fiddler.
He's in Sinton, texas.
Yeah, it's down by Sinton, he'sdown by South Eagle.
It's 10 am to 4 pm.
Bmw Houston.
Meet at the parking garage at16-011 Katie Freeway for BMW
Cruisin' Only.
That's 7 pm to 9 pm.
And then the 14th Hot RodPicnic at Carbide Park in
(20:50):
Lamarck is tomorrow at 11 am,and then and finally, is again
the 17th Annual Heroes and HotRods Veterans Day Weekend,
october 11th and 10th and 11thin downtown Bastrop.
Thank you We'll have Bill onshortly Perfect.
Speaker 1 (21:08):
Thank you very much.
All right Time now for thishour's car review.
You had a chance to drive the2023 Hyundai Santa Fe Hybrid.
No trim levels include the blue.
Okay, thanks everyone.
Sel Premium and the Limited Ihad the Limited all-wheel drive.
This is considered a small SUV.
Seats five people, includingthe driver.
(21:30):
Exterior changes from lastmodel year not much Exterior
features overall sharp designwith a weird headlight array I
don't know how else to put it.
It just looks weird to me.
It's attractive.
It's not unattractive, it'sjust weird.
It's different.
Black molding on the wheel wellopenings.
(21:50):
Rear lower valance as a satinmetal look to it.
Clean rear hatch is not a lotof accoutrements.
They didn't decorate theChristmas tree a lot back there
or over decorate, yeah, what Iliked, not over done with bling.
I do like the clean look.
Always have what could useimprovement.
(22:11):
Not a fan of those particularwheels, but that's a personal
choice that I think most peoplejust accept.
Whatever the factory puts onthere for wheels, yeah, okay.
Speaker 4 (22:20):
I got it.
Speaker 1 (22:21):
If you don't like them, go trade them.
Interior highlights Sharpdesign elements throughout the
cabin Radio, hvac, push buttonshifter, all at the top of the
center console and its ownlittle pod, which is an
interesting way to put it Nicefaux leather, 10.3 inch entered
(22:43):
infotainment screen, cargo andtrunk room Plenty.
What I liked about it?
The overall layout.
Now, as far as power isconcerned, it's generated by a
1.6 liter turbocharged fourcylinder.
That, when it comes to thehorsepower and the electric,
it's rated at 226 horsepowercombined.
(23:06):
Oh Okay, this is not a plug-in,this is just a hybrid.
So it has a battery that theengine charges while it's
running and when it's going.
Oh well, I can save some energyhere.
Then it uses the electric motorto do that.
Very cool, six speed automatictransmission on this all-wheel
(23:28):
drive model.
It will tow one ton.
That's a lot, it's a lot.
Two thousand pounds Now, milesper gallon.
It's rated at 33 city, 30,highway for, combined to 32.
I got 31 over 433.5 miles.
I drove it a lot, I liked it.
What I liked about the engine?
(23:49):
It's a nice combination betweenthe engine and the transmission
.
It's a great combination.
With that, 226 horsepower isnot too little, it's not too
much, it's adequate, just right.
Speaker 2 (24:04):
Thanks.
Speaker 1 (24:04):
Closelocks With the six speed automatic transmission
.
As far as riding, handling,smooth sailing in this car, what
it could use improvement, don'ttouch a thing.
Don't, don't mess with it.
It's good just as it is.
Don't jack with it, okay.
As far as pricing is concerned,the base trim price on this is
(24:26):
41 570.
Price has tested 43 115.
To me, that's a sweet spot.
When it comes to pricing, basemodel price is 36 210.
Now, as far as competitors areconcerned, the Kia Sportage
hybrid starts at 27 490.
(24:47):
The Honda CRV hybrid 34 645.
It's more close and price thanany of the others when it comes
to base model price, and theFord Escape hybrid starts at 41
995.
So they're all right in there.
They're all priced relativelyalike and they're also under the
(25:10):
small hybrid category.
But this one is bigger thanEscape.
It is by a little bit.
None of them are huge.
These are, but this is a.
This is.
If you're out looking for a newSUV, then this might be
something for you.
Speaker 2 (25:25):
Well, and it's interesting, this has a six
speed automatic versus the CVTYep, because so many of them
have a CVT, which I don't knowwhy, but I think it has
something to do with the 226horsepower, putting the power to
ground.
Speaker 1 (25:38):
Yep 226 horsepower.
With that combo, just it'ssweet, it hits the sweet spot.
And towing the 2,000 pounds,what do you lose?
You're gonna lose a little, alittle, but not a lot, and you
don't have to plug it in.
Speaker 4 (25:51):
You don't have to jack with it.
That's to me an important part.
Speaker 1 (25:54):
Well it is, but you also pay for that.
And remember, it's not themileage isn't off the wall, off
the charts here.
It's not 40 or 50 miles pergallon.
So you can buy actually agasoline engine without the
hybrid capability with almostthat kind of mileage.
So you need to do your shoppingand your homework on that.
(26:15):
One is my suggestion.
I want to remind you that theInwheel Time car talk show is
available 24 seven through theiHeart radio app or the iHeart
app.
We're having a discussion inthe studio these days about
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(26:36):
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Bluetooth.
Speaker 2 (26:41):
But we're not terrestrial radio.
We're not terrestrial radio.
They are aliens.
Speaker 1 (26:45):
You have to look at the definition, but you also
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think is terrestrial.
Radio is radio, it's not.
Speaker 2 (27:05):
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Speaker 1 (27:09):
Be that Dazed and confused.
We also video stream onFacebook, youtube and
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The InwheelTime car talk showcontinues.
Right after this quick break,the original group of loopy
(27:30):
tortilla restaurants will haveyou telling your family and
friends just what the originalrecipes mean when it comes to
the best fajitas in SoutheastTexas.
Founder Stan Holt invites youto visit the original loopy
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(27:50):
Speaking of original, nothingcan compete with the original
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Loopy tortilla Katie is anotherlocation that gives you the
same quality and servicehistorians have come to expect
at loopies.
It's located just off I-10 inthe Grand Parkway.
At Kingsland Boulevard in Katie, find yourself an Aggie land.
Head to the loopy tortillacollege station, located just
(28:12):
around the corner from KyleField.
It's a great place to enjoythose famous frozen margaritas
before or after the game.
Head to East to Louisiana.
Stop in at the loopy tortillain Beaumont.
It twos on I-10, it can't missit.
The original group of loopytortilla restaurants invites you
in for the best Tex-Mex.
Anywhere you own a car you love,why not let Gulf Coast Auto
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Houstonian John Gray invitesyou to his state-of-the-art
(28:35):
facility to introduce you to hisspecialist team of auto
enthusiasts.
We promise you'll be impressed.
Whether you're looking tomassage your original paint to a
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exterior.
Call them today, 832-930-5655,or GCautoshieldcom.
The award-winning in-wheel timecar talk show is available on
the most popular podcastchannels out there.
In 30 minute episodes, werealize our three hour live show
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(29:40):
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In-wheel time has the mostinformative automotive guest
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Our live broadcast airs everySaturday 8 to 11, central on
(30:00):
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Don't forget those 30 minutepodcast episodes on your
(30:23):
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That's it for this podcastepisode of the InWheelTime car
show.
I'm Don Armstrong, inviting youto join us for our live show
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, twitch and our InWheelTimecomwebsite.
Podcasts are available on ApplePodcasts, spotify, stitcher,
(30:44):
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Welcome to another In Wheel Time podcast, a 30 minute
mini version of the In WheelTime car show that airs live
every Saturday morning 8 to 11amcentral Live on the iHeart app.
It's the In Wheel Time car talkshow coming up.
We talked to Divya Sangram andhow you may be committing
(00:26):
insurance fraud and you may ormay not know it.
I bet you do know it, I got todrive the 2023 Hyundai Santa Fe
Hybrid.
I'll give you my thoughts on it.
Conrad has the cruise incalendar, the cruise in calendar
and this week in Auto Historyand later we talk about a big
Veterans Day car show coming up.
(00:48):
Make plans to go to.
Plus, we'll break into storiesmaking automotive news headlines
Just ahead on the In Wheel Timecar talk show, along with Mike
out of this world, mars KingConrad Belong.
We always need more.
Jeff Seekin, I'm Don Armstrong,so glad that you could join us
on this Saturday morning for ourlive show.
If you're listening to one ofour podcasts or broadcasts
(01:11):
elsewhere that's taped andbeaten, then welcome to that as
well.
In 40 countries, in 40countries around the world,
divya Sangram is with LendingTree and Value Penguin.
Divya, it's good to see youagain.
How are you?
Speaker 3 (01:30):
I'm good and thank you for having me on the show.
Speaker 1 (01:33):
I always enjoy speaking with you guys on this
Saturday morning and you knowI'll bet you do and do not.
Speaker 3 (01:39):
No, actually I do love it.
I always love talking aboutcars and insurance, and no other
better way to spend a Saturdaymorning.
Speaker 1 (01:48):
So when Mr Mars told me that you were going to be on,
I said, okay, what's she goingto talk about?
And he sends me this sheet ofpaper and I'm going wait a
minute.
Most Americans say they'venever committed insurance fraud,
but many employ fraudulentpractices to save money.
Yeah, and that kind of it's awake up call, Hello, really,
(02:12):
because they are not totallyhonest with the insurance person
that's going to write thepolicy about.
Well, have you had any tickets?
Well, no, I haven't.
And then they go and check andthey've had tickets.
Speaker 3 (02:23):
Yeah, and that's just the tip of the iceberg, right?
You know people are lying abouttheir address.
You know they're like oh youknow, if I give my actual
address I may get higher rates.
So let me put down my officeaddress or a friend's address,
because their zip code has lowerrates.
That's one kind of little liethat people are telling yeah,
(02:43):
that's what I'm thinking.
Speaker 2 (02:45):
Let me make a note of that.
I remember that one.
Speaker 4 (02:48):
Where can we get these zip codes?
Speaker 3 (02:52):
And you know people are trying to pass off wear and
tear or you know old accidentdamage in their current claims
and you know we call you, knowthat's actually fraud.
You're not supposed to do that.
You don't try to claim fordamages that didn't actually
happen during an accident.
More horrifyingly, people aredeclaring their car stolen to
(03:16):
cash in.
Speaker 2 (03:16):
Oh, my God, I believe that one.
Speaker 3 (03:20):
I was really taken aback by that because to me
that's very obviously fraud.
But you know, the folk weinterviewed didn't seem to think
so.
They just thought it's a goodway to save money.
And you know, in terms of thefindings, 91% of Americans we
surveyed said they've nevercommitted auto insurance fraud.
(03:40):
But then you break it down andyou start looking at these money
saving tactics, which areactually lying or misleading
your insurer, which is fraud.
That number is extremely high,especially among millennials.
That really took me aback.
Speaker 1 (03:53):
I was just going to say.
I know that 39% of millennialauto insurance policyholders
admit to using deceptive tacticsto save money on their
insurance, compared with just 3%of us baby boomers oh wow.
Well, where did that come from?
Speaker 2 (04:12):
Who taught the kids to cheat?
Speaker 3 (04:15):
You know, that was really surprising to us and we
were talking about it in ourteams.
Right, and perhaps a huge partof it is just to lack up
awareness that what they'redoing is wrong.
You think about the way thatyou know the boomer generation
has traditionally bought autoinsurance.
It involves dealing with aperson, an agent.
(04:35):
You've probably had in-personinspections, so you know these
people would have taken the timeto explain to you how your
policy works and what you shouldand shouldn't do.
But my generation, I'm amillennial.
I don't lie to my insurancecompany, by the way, but I am
going to.
Speaker 1 (04:51):
That we know of A disclaimer you don't bite the
hand that feeds you, right?
Speaker 3 (04:55):
Well, that was also.
Speaker 1 (04:57):
You know, I'm terrified of lying, so Let me
ask you what is the punishmentfor the fraud and which state
has the most fraud?
Speaker 3 (05:06):
So our research didn't dig into which state has
the most fraud.
It was a national survey.
But in terms of punishment forfraud, I think most of us
associate fraud with what wecall hard fraud, that is,
staging an accident or burningdown something, trying to
collect on insurance money, andthat is the most serious kind of
fraud.
You can get jail time.
(05:27):
You can get heavy fines for it.
But misleading your insurancecompany is what we call soft
fraud.
You may not go to jail for it,but you will face penalties.
For example, it will raise yourpremiums.
Speaker 2 (05:41):
Yeah, okay.
Speaker 3 (05:42):
And we all know insurance is getting expensive.
Do you really want to do stuffthat will make your insurance
more expensive?
That's the one thing.
The other thing is, if theinsurance company finds out that
you are someone with thepotential to commit fraud or you
have defrauded them in somesmall way, they will put a mark
on your file, which means if youtry to shop around for
(06:03):
insurance, you're still going toget higher premiums.
Speaker 1 (06:06):
Because everybody knows so is there?
Is there some sort of a poolthat you guys go to to look at?
Like if I'm going to switchfrom all state to state farm,
state farm is going to look atmy record over at all state.
Speaker 3 (06:21):
Yeah and they will.
So it's really not worth ittrying to lie to one insurance
company because they can findout and they're getting really
smart about it.
People who think they've gottenaway with it.
I just want to say you're notgoing to get away with it
anymore.
Insurance companies arespending a lot of money on
technology that's helping themidentify fraud.
(06:43):
There's talk about bringingback in-person car inspections
every time someone's applyingfor a new policy and, honestly,
they're losing millions ofdollars every year on fraud.
I remember reading a statisticsomewhere that almost 20% of all
insurance claims are fraudulentor partially fraudulent.
And in the current environmentwe're in, you cannot control the
(07:06):
climate right.
Climate change is happening,extreme weather is happening and
it's causing insurancecompanies huge losses.
But they can control fraud andthey're going to do everything
they can to control fraud and tocontrol those losses.
Speaker 1 (07:18):
So I don't remember when it was, but it was probably
back in the 80s.
I'm guessing that I actuallyhad to take my car to an
insurance office and have themcome out and look at the car.
I don't remember what it wasfor, it wasn't an accident, but
they had to look at the car toinsure it and sometimes they
(07:39):
take pictures.
Oh, they took pictures andasked me questions.
Speaker 4 (07:43):
I remember doing that back in the late 60s because by
the hot rod bus things andthings like that.
The insurance agent wanted tosee it.
Speaker 1 (07:54):
I can only imagine that it would be almost
impossible to be able to haveall of your clients, at one
point during the year, come toyour insurance office to have
them inspect your car.
Speaker 2 (08:07):
Well, I think some of that with the insurance
companies and tell me if I'mright or wrong are using the
internet to learn things,because Car Facts is a pretty
good database.
Because of an insurance companypays to fix your vehicle, that
gets reported.
A lot of mechanical repairs andmaintenance is reported to Car
Facts as well, but I thinkinsurance fraud is far greater
(08:30):
than anybody really wants toadmit.
Speaker 4 (08:32):
So what she's saying is that when we're all back in
school and they don't do that,it's going to go on your
permanent record.
Well, here you go, it's yourpermanent record, that's exactly
right.
Speaker 1 (08:39):
You know, of course.
You know I'm what am I?
3% of baby boomers?
I'm not in that 3% that cheatsand I'm sure that over my
lifetime, so far anyway, I'vepaid a lot more money than most
people for the same policybecause I am honest and I could
listen.
I was the kid that always gotcaught egging the teacher's
(09:01):
house or wrapping somebody'shouse.
I always got caught, right.
Speaker 2 (09:06):
And the fraud isn't just by the insured person.
The fraud is also by the vendorthat's repairing the vehicle
for the insurance company.
So you know the body shop.
Oh well, let's include this,let's include this.
Speaker 3 (09:22):
So this is scratch.
Speaker 2 (09:23):
So we kind of build the ticket a little bit to
submit to the insurance.
Speaker 1 (09:27):
Because they can make more money.
Speaker 2 (09:28):
Yeah.
Well, yeah, because they'remaking more money and so many of
them are what are called proshops now.
So the insurance company truststhem to be honest with them,
and are they always?
I don't know.
Speaker 3 (09:40):
That's a really good point and I just wanted to
highlight one thing about that.
So when you go to a shop andthey're telling you, oh, let's
pad the repair cost so you knowyou meet the deductible.
Speaker 4 (09:51):
Exactly what I was thinking.
Speaker 3 (09:54):
And you know, as a consumer, you may think oh yeah,
I know, I think that's a greatidea because then I only need to
pay this small sum out ofpocket and then I'll get like a
really amazing job done on mycar.
So, as a consumer, your firstthought is it doesn't really
affect me, it's just between theshop and the insurance company.
I just want to remind everyoneif the insurance company finds
(10:15):
out that it's a fraudulent claimand they deny it, you still
have to pay for those repairsand since it's a padded repair
claim, it's going to set youback several thousand dollars.
So it's really not worth it.
Speaker 2 (10:28):
And going to permanent record?
Yeah, because, because avoidingthe deductible is fraud in
itself.
Speaker 3 (10:33):
Yeah, especially if you're making things up to add
to that repair bill.
You know you're going to say,oh, it looks like your tires are
a little wonky, let's throwthat in.
We'll say that you know it gotpunctured in the accident and
that's terrible.
Don't do that.
You know it's best to stay ashonest as possible and if your
shop is doing that, I'd saymaybe shop around and look for a
(10:54):
more honest mechanic.
Speaker 1 (10:55):
Well, all of this stuff doesn't just it's not
exclusive to the automotiveindustry.
I understand that people arealso doing deception claims with
their home insurance policy.
Wow, yeah.
Speaker 3 (11:10):
And you know the deception, especially with
homeowners insurance, it tendsto be more of a lies of the
mission.
They won't tell their insurancecompany that they have a
trampoline or a swimming pool oreven certain breeds of dogs
which insurance companiesconsider dangerous.
And by not disclosing this, ifyour insurance company finds out
(11:31):
, they're probably not going tonon renew your policy.
And right now it is so hard toget homeowners insurance that
have.
Facing a non renewal is justgoing to make things six to
seven times harder for you ifyou need to shop around and get
another policy.
Speaker 1 (11:46):
Well and more expensive.
Let me just say this about that, especially here in the Houston
area, with all of our floodsthe flood insurance policies
that if you can get one, it'sgoing to cost you an arm and a
leg.
So beware.
Speaker 2 (12:02):
Well, I have flood insurance as well and we've had
it for 20 plus years and it'sgone and it's a national flood
policy, but it's gone from $400like $680 since.
Harvey.
It's really elevated and cost.
Speaker 1 (12:16):
So let me ask you, how do we prevent these younger
Americans, the Gen X's, the GenZ's and that sort of stuff, to
just be aware and change theirperspective of getting insurance
, lying, cheating and stealing?
Speaker 3 (12:32):
I mean, you know it's very simple, right?
You have to tell them that themore they lie to their insurance
companies, the more theydefraud them.
They're the ones who are goingto be paying in the long term,
because every loss the insurancecompany faces they pass on to
us policy holders in the form ofhigher premiums.
And I think this is the correcttime to talk to people about
(12:54):
this, because you knoweveryone's grumbling about how
expensive every kind ofinsurance is thought in.
Well, then, remind them hey, somaybe let's not commit fraud so
that our rates don't go upfurther.
We cannot control the weather,you know.
We cannot control economicfactors, but we can control how
we interact with the insurancecompany.
(13:14):
So maybe let's cut back onfraud and also just to remind
it's a good time to remind folksthat you can get away with it.
Speaker 1 (13:23):
Is an uninsured driver committing fraud.
Speaker 3 (13:26):
No, they may be breaking the law by being
uninsured, depending on whichstate they're in, but they're
not committing fraud.
Speaker 1 (13:33):
Okay, but they're costing my insurance company and
me because I pay a priorpremium.
Speaker 3 (13:39):
Premium.
Speaker 1 (13:40):
Yeah, for uninsured motorist, and so and more.
It seems more often these daysthere are a lot of people that
don't have insurance, and sothen does the insurance company
sue them for not havinginsurance, or is it just
strictly a law thing that Iguess that is a loss?
(14:00):
Yeah, but I mean, if you have arack and the guy doesn't have
insurance, does the policeofficer write them a check for
not have, write them a citationfor not having?
Speaker 3 (14:12):
insurance.
You will be cited for nothaving insurance, but while the
insurance company can try to suethat person more like, the
likelihood of them getting anymoney out of them is very small,
because most uninsuredAmericans also happen to be very
poor.
Speaker 2 (14:29):
Can't get blood from a turnip, yeah.
Speaker 3 (14:32):
But I'll tell you where the uninsured will face
penalties.
They will when they try toapply for insurance, because if
you've been uninsured for aperiod of time, you will be
considered an extremely highrisk driver.
So when you apply for insuranceyou're going to be charged the
highest possible rate.
Speaker 1 (14:48):
Well, here in the state of Texas you have to have
insurance on the car before youcan get your registration every
year.
So how do people get aroundthat?
Speaker 3 (14:59):
I guess they're probably sharing their car with
someone.
You have that one wonkybrother-in-law who's borrowing a
car.
Speaker 2 (15:09):
He lives in the basement.
Speaker 3 (15:12):
And a lot of times people don't declare that that
person is driving the car, sothese people can get away with
driving a car without insurance.
Speaker 2 (15:22):
Well, plus, you can get that insurance card for a
month and then cancel a house.
Yeah, so that's enough to getyou on the road, on the road
Again.
Speaker 4 (15:33):
Let me ask you about another situation.
So I get granddaughters thatare getting their driver's
license and things like that soif they're driving my cars,
which my policy will let anoccasional driver in, it'll
cover them.
So, without the name in thecase, what will happen If I'm
letting her drive it to schoolto work every day?
Isn't that a type of fraud?
(15:55):
Because if I don't tell myinsurance company that I've got
a 17-year-old driver now, puther on a policy.
Speaker 3 (16:01):
yeah, yeah, I mean, more often than not, the moment
there is a licensed teen driverliving at your address, the
insurance companies will knowand they will automatically
charge it to your policy.
So if you're a parent of ateenager who's just gotten their
license, you're going to get apiece of mail from the insurance
(16:21):
company saying that your rateshave increased.
So the insurance companies arereally good about it.
But in your case, because it'syour granddaughter, you should
be disclosing the fact thatshe's driving it on a regular
basis to your insurance company,because if you don't and they
find out, not only will theyraise your rates, they may put
it on your file that you havemisled them.
Speaker 4 (16:41):
Or cancel your insurance.
Hey, can you handle?
Speaker 2 (16:43):
that for Mike, if she gets into an accident.
Speaker 4 (16:45):
They may deny the claim because she wasn't
supposed to be driving it towork every day.
Speaker 1 (16:54):
Okay.
So in other words, Mike, gether out of the dang car, get her
own, let her get her own.
No, you buy her her own.
Speaker 2 (17:02):
It's cheaper than paying insurance.
Speaker 3 (17:05):
I will say this even if you buy her own car, you
still have to pay for insurance.
Speaker 1 (17:09):
Sure.
Speaker 3 (17:10):
Yeah.
Speaker 1 (17:11):
And the car that you would buy, you know some $3,000
beater.
You don't need, all you need isliability insurance on it.
Am I correct?
Speaker 3 (17:19):
Yeah.
Speaker 1 (17:19):
Yeah.
Speaker 3 (17:21):
And you know that's probably going to still going to
be really expensive.
So teenage insurance can setyou back thousands of dollars a
year and there is absolutelynothing you can do about it
because teenage drivers areconsidered extremely high risk.
Speaker 2 (17:36):
But, both of mine cost a lot of money.
Speaker 3 (17:38):
My granddaughter instead of grandson.
These boys are charged moremoney than girls.
Speaker 4 (17:43):
That's a good point.
There was a point in time whenI was a teenager that I was not
here as good a driver as I amnow.
Speaker 2 (17:51):
You're still not that good.
You still don't like a driver.
Speaker 4 (17:53):
Well, I don't pay $1,000 a month now like I did
back then.
Speaker 2 (17:56):
That's because you don't have insurance.
Speaker 1 (17:59):
I've been with you when you drive.
Forget it.
You scare me.
I don't know how you've made itthis long.
Devia, where can we go to getmore information on all this?
Speaker 3 (18:10):
So all you can do is go to wwwvaluepingwincom forward
slash receiving dash insurersslash dash survey.
That's where you can read ourreport and you know there's a
lot of good information in thereon what you can do if you've
accidentally misled your insurer, because sometimes these are
honest mistakes.
You know you may have underquoted the amount of miles you
(18:33):
drive per year and that's normal, you know.
Just let your insurance companyknow they will appreciate the
honesty that you're trying tofix your mistakes.
Just don't make it a point tolet your insurance company to
save money.
Speaker 1 (18:44):
Devia, it's always great to talk to you.
Thank you so much for gettingup and talking to us this
morning and stay in touch withus.
Let us know what you got next.
Speaker 3 (18:52):
Yeah, I will do.
Thank you so much for having me.
Speaker 1 (18:55):
You bet.
Thank you, bye-bye.
Devia Sangram and she is withValue Penguin Lending Tree, so
she knows her stuff when itcomes to that insurance stuff.
Speaker 4 (19:05):
We've had her on before.
Speaker 1 (19:06):
Yeah, she's great, we'll have her on again.
Speaker 2 (19:08):
Great, great stuff.
Speaker 1 (19:10):
What I like about it is it's easy to understand her.
Speaker 4 (19:13):
The way she explains it.
She explains it properly, yeah.
Speaker 1 (19:15):
Even we can understand it.
That's tough to do, that istough to do Can be Thanks for
joining us over today's In-WheelTime Car Talk Show Time.
Now for the Cruise Inn calendar.
Let's keep it short and givehim a minute.
Speaker 2 (19:26):
Here's Conrad.
So again, you know, one of thecruisans next weekend is Coffee
and Cars.
At the Woodlands High school wejust had them on.
Nifty 50's is tonight at 5 pmin the Woodlands off Buckthorn
Place and that's running from 5to 10 pm.
Smooth Nights in Mount BellevuePark is tonight at 6 pm and
(19:50):
that's off of Eagle Drive inMount Bellevue.
What's so funny?
Speaker 4 (19:53):
I'm just wondering, is that where the police found
you then In Mount Bellevue, inthe park?
And this is all depending onrain, if it rains these are
probably postponed or canceled.
Speaker 2 (20:06):
And then also tonight at 9 pm to 12 am is the Paul
Walker Memorial Car Meet at FaizTech Performance on North
Eldridge Parkway.
Sinton Fiddler is Fest and Bikeand Car Show.
Wait a minute.
Repeat that Sinton, s-i-n-t-o-n.
Sinton.
Speaker 1 (20:25):
Fiddler.
He's just down towards Corpus.
Speaker 2 (20:26):
Sinton Fiddler.
He's in Sinton, texas.
Yeah, it's down by Sinton, he'sdown by South Eagle.
It's 10 am to 4 pm.
Bmw Houston.
Meet at the parking garage at16-011 Katie Freeway for BMW
Cruisin' Only.
That's 7 pm to 9 pm.
And then the 14th Hot RodPicnic at Carbide Park in
(20:50):
Lamarck is tomorrow at 11 am,and then and finally, is again
the 17th Annual Heroes and HotRods Veterans Day Weekend,
october 11th and 10th and 11thin downtown Bastrop.
Thank you We'll have Bill onshortly Perfect.
Speaker 1 (21:08):
Thank you very much.
All right Time now for thishour's car review.
You had a chance to drive the2023 Hyundai Santa Fe Hybrid.
No trim levels include the blue.
Okay, thanks everyone.
Sel Premium and the Limited Ihad the Limited all-wheel drive.
This is considered a small SUV.
Seats five people, includingthe driver.
(21:30):
Exterior changes from lastmodel year not much Exterior
features overall sharp designwith a weird headlight array I
don't know how else to put it.
It just looks weird to me.
It's attractive.
It's not unattractive, it'sjust weird.
It's different.
Black molding on the wheel wellopenings.
(21:50):
Rear lower valance as a satinmetal look to it.
Clean rear hatch is not a lotof accoutrements.
They didn't decorate theChristmas tree a lot back there
or over decorate, yeah, what Iliked, not over done with bling.
I do like the clean look.
Always have what could useimprovement.
(22:11):
Not a fan of those particularwheels, but that's a personal
choice that I think most peoplejust accept.
Whatever the factory puts onthere for wheels, yeah, okay.
Speaker 4 (22:20):
I got it.
Speaker 1 (22:21):
If you don't like them, go trade them.
Interior highlights Sharpdesign elements throughout the
cabin Radio, hvac, push buttonshifter, all at the top of the
center console and its ownlittle pod, which is an
interesting way to put it Nicefaux leather, 10.3 inch entered
(22:43):
infotainment screen, cargo andtrunk room Plenty.
What I liked about it?
The overall layout.
Now, as far as power isconcerned, it's generated by a
1.6 liter turbocharged fourcylinder.
That, when it comes to thehorsepower and the electric,
it's rated at 226 horsepowercombined.
(23:06):
Oh Okay, this is not a plug-in,this is just a hybrid.
So it has a battery that theengine charges while it's
running and when it's going.
Oh well, I can save some energyhere.
Then it uses the electric motorto do that.
Very cool, six speed automatictransmission on this all-wheel
(23:28):
drive model.
It will tow one ton.
That's a lot, it's a lot.
Two thousand pounds Now, milesper gallon.
It's rated at 33 city, 30,highway for, combined to 32.
I got 31 over 433.5 miles.
I drove it a lot, I liked it.
What I liked about the engine?
(23:49):
It's a nice combination betweenthe engine and the transmission
.
It's a great combination.
With that, 226 horsepower isnot too little, it's not too
much, it's adequate, just right.
Speaker 2 (24:04):
Thanks.
Speaker 1 (24:04):
Closelocks With the six speed automatic transmission
.
As far as riding, handling,smooth sailing in this car, what
it could use improvement, don'ttouch a thing.
Don't, don't mess with it.
It's good just as it is.
Don't jack with it, okay.
As far as pricing is concerned,the base trim price on this is
(24:26):
41 570.
Price has tested 43 115.
To me, that's a sweet spot.
When it comes to pricing, basemodel price is 36 210.
Now, as far as competitors areconcerned, the Kia Sportage
hybrid starts at 27 490.
(24:47):
The Honda CRV hybrid 34 645.
It's more close and price thanany of the others when it comes
to base model price, and theFord Escape hybrid starts at 41
995.
So they're all right in there.
They're all priced relativelyalike and they're also under the
(25:10):
small hybrid category.
But this one is bigger thanEscape.
It is by a little bit.
None of them are huge.
These are, but this is a.
This is.
If you're out looking for a newSUV, then this might be
something for you.
Speaker 2 (25:25):
Well, and it's interesting, this has a six
speed automatic versus the CVTYep, because so many of them
have a CVT, which I don't knowwhy, but I think it has
something to do with the 226horsepower, putting the power to
ground.
Speaker 1 (25:38):
Yep 226 horsepower.
With that combo, just it'ssweet, it hits the sweet spot.
And towing the 2,000 pounds,what do you lose?
You're gonna lose a little, alittle, but not a lot, and you
don't have to plug it in.
Speaker 4 (25:51):
You don't have to jack with it.
That's to me an important part.
Speaker 1 (25:54):
Well it is, but you also pay for that.
And remember, it's not themileage isn't off the wall, off
the charts here.
It's not 40 or 50 miles pergallon.
So you can buy actually agasoline engine without the
hybrid capability with almostthat kind of mileage.
So you need to do your shoppingand your homework on that.
(26:15):
One is my suggestion.
I want to remind you that theInwheel Time car talk show is
available 24 seven through theiHeart radio app or the iHeart
app.
We're having a discussion inthe studio these days about
whether we can call ourselvesradio and David set that bomb
off on it because we're notradio.
(26:36):
We can be radio if you stream usinto your car through your
Bluetooth.
Speaker 2 (26:41):
But we're not terrestrial radio.
We're not terrestrial radio.
They are aliens.
Speaker 1 (26:45):
You have to look at the definition, but you also
have to look at the fact thatiHeart is using terrestrial
radio, radio to get iHeart onthe air and profitable for the
first time in its history, andso they're using radio which we
think is terrestrial.
Radio is radio, it's not.
Speaker 2 (27:05):
And we're extra terrestrial.
We are definitely that, and I'mconfused.
Speaker 1 (27:09):
Be that Dazed and confused.
We also video stream onFacebook, youtube and
InwheelTimecom podcast at yourfingertips on over a dozen of
the most popular podcast outletsavailable in the world.
How many?
How many countries?
40 countries, 40 countries.
The InwheelTime car talk showcontinues.
Right after this quick break,the original group of loopy
(27:30):
tortilla restaurants will haveyou telling your family and
friends just what the originalrecipes mean when it comes to
the best fajitas in SoutheastTexas.
Founder Stan Holt invites youto visit the original loopy
tortilla near I-10 and Highway 6.
Here's the original house thatinspired the design of all the
rest and the original charm thathelped make loopy tortilla the
go-to destination for HoustonTex-Mex.
(27:50):
Speaking of original, nothingcan compete with the original
lime pepper marinade thateveryone will agree makes loopy
tortilla award-winning beeffajitas the best anywhere.
Loopy tortilla Katie is anotherlocation that gives you the
same quality and servicehistorians have come to expect
at loopies.
It's located just off I-10 inthe Grand Parkway.
At Kingsland Boulevard in Katie, find yourself an Aggie land.
Head to the loopy tortillacollege station, located just
(28:12):
around the corner from KyleField.
It's a great place to enjoythose famous frozen margaritas
before or after the game.
Head to East to Louisiana.
Stop in at the loopy tortillain Beaumont.
It twos on I-10, it can't missit.
The original group of loopytortilla restaurants invites you
in for the best Tex-Mex.
Anywhere you own a car you love,why not let Gulf Coast Auto
Shield protect it?
Houstonian John Gray invitesyou to his state-of-the-art
(28:35):
facility to introduce you to hisspecialist team of auto
enthusiasts.
We promise you'll be impressed.
Whether you're looking tomassage your original paint to a
like new appearance, apply aceramic coating, install a paint
protection film, nanoceramicwindow tint or new windshield
protection called ExoShield,gulf Coast Auto Shield is where
Houston's car people go.
Curb your wheels Instead ofbuying new one.
(28:57):
I'd have them repaired.
How about a professionallyinstalled radar detector?
Gulf Coast Auto Shield doesthat too.
Get a peek inside the shop andlook at the services offered by
getting online and heading toGCautoshieldcom.
Better yet, stop by theirfacility at 11275 South Sam
Houston Tullway, just south ofthe Southwest Freeway, and get a
personal tour.
Gulf Coast Auto Shield is yourplace to go for all things
(29:19):
exterior.
Call them today, 832-930-5655,or GCautoshieldcom.
The award-winning in-wheel timecar talk show is available on
the most popular podcastchannels out there.
In 30 minute episodes, werealize our three hour live show
can be difficult to catch inits entirety, so now you can
listen every day to a convenient, fresh 30 minute episode.
(29:40):
Check us out on Apple Podcasts,spotify, google Podcasts,
amazon Music and Audible, alongwith a dozen more.
In-wheel time has the mostinformative automotive guest
interviews and new car reviews,along with popular features
including Conrad's car clinicand this week in auto history
along with automotive newsheadlines.
Our live broadcast airs everySaturday 8 to 11, central on
(30:00):
InWheelTimecom, the iHeart appand on YouTube.
Be sure to say hello when we'rebroadcasting from the tailpipes
and tacos cruise in AutoRamaand the Houston Auto Show, among
others.
Now it's easier than ever tohear about all things automotive
all week long.
You're invited to join fellowcar enthusiasts in becoming part
of the ever growing InWheelTimecar talk family.
Don't forget those 30 minutepodcast episodes on your
(30:23):
favorite podcast channel.
That's it for this podcastepisode of the InWheelTime car
show.
I'm Don Armstrong, inviting youto join us for our live show
every Saturday morning 8 to 11am, central on Facebook, youtube
, twitch and our InWheelTimecomwebsite.
Podcasts are available on ApplePodcasts, spotify, stitcher,
(30:44):
iheart Podcast, attic, tuneinPandora.
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