Bemidji Daily Pioneer Newspaper, February 21, 1922, Page 9

L4 MOTOR INSURANCE COSTS (0 Y ADVANCED Many Privileges Allowed Un. der Former Policies Are Not Now Obtainable Owners of motor cars whose insur- ance has ‘expired within: the last few weeks and who have applied for a re. newal, have ascertained not only that the. prevailing ‘rates are considerably higher than a year ago, but that many privileges: formerly allowed in auto- mobile . insurance policies are no longer obtainable. The most radical change is that ..tires..and .other accessories are no longer _included in the regular theft insurance unless the entire car should be lost or destroyed. Formerly this form of insurance included minor losses of ‘anything except tools, rugs or_clothing. It is also’impossible to obtain what has been known as the valued form of policy for fire or theft, Full Value Paid, ’ Until this change went into effect it was possible by paying a somewhat higher rate to insure for the full value of the car with accessories, say $2,000, and if the car were lost or stolen during the year the full insur- ance value would be paid. Practically all of the insurance companies: are now writing only what is known as the non-valued policy, and if the car is completely lost the payment -is based on the appraised value of the car at the time of, loss. Greater- insistence is being placed by the insurance companies upon de- preciation, too.. Under the non-valu- ed form, for a car insured for $2,- 000, if stolen within six months, the company may appraise the value at $1,600, regarding it as a second-hand machine which has had six months’ use. 3 . There is a clause in-the policy pro- tecting the owner who. may feel that the insurance appraisal is too low, permitting him in case of: dispute to appoint his own appraiser. . K The insurance company also names. one and the two appraisers name a third who'acts’as a referee and their ~ decision is‘final. . . It is-difficult.to makeé any definite estimate on the increase of insurance rates, as the rate depends upon every individual car, its age, condition, the use to which it is ‘;mt and the locality in which it is used. ° 3 . As a general average for all makes of cars, full insurance, including theft and fire, collision and liability, has advanced from 25 to 40 per cent over that of a year ago. Within the city limits the rate is highest. A lower rate is given for suburban localitjés and a still lower rate “for. country areas. Fords Hardest Hit. The xreit;st‘advapee -Qn -any pnhr- ticulg) -.of .car is seen- in-the Fordi{-"i%f-te being about 200 per cent” higher™than last year. Nearly. all of the higher priced and. moderate priced cars obtain a considerable réduction from the regu- lar rates by attaching some of the de- vices approved by the insurance com- panies. By using one of the sev- . eral ‘theft -approved ‘by ‘the com- panies a reduction of 15 per cent:is obtained. K The use of a bumper in front also gives a lower rate, amounting in many cases to $30 or $40, while the bumper may be purchased for less than half that sum. A bumper on the rear of the car gives a still further reduction. Due to what is called the preval:|: ence of juries to give high damages in case of personal injuries the lia- ility rates have increased but not to so great an extent as the theft in- surance, 2 This tendency- has also led the own- ers of many cars to take out larger liability’ policies than in the past. While the $5.000 to $10,000 liabil- | jty peolicy. is still' taken by .the m: jority ‘of: ‘motor owners, many mo than formerly. are- being insured for: $25,000°to $40,000 and there are ev- RECORD SEASON AHEAD Retail su‘Tes of F—ord cars, trucks and Fordson tractors have again ex- ceeded the million mark for the year 1921, according to a statement given out today by the Ford Motor come pany. The Ford factory and gssembly plant production figures reached a to- tal of-1,050,740 cars, trucks and trac- tors for the year, with retail ‘sales by dealers approximating 1,093,000 which in the United States alone sur- passed the 1920 retail sales record by 104,213 Ford cars and trucks! The Ford company says the outlook for 1922 is decidedly optimistic. - In fact, concrete evidences already ex- ist7in that.car and truck retail sales for-December, 1921, exceeded Decem- ber, 1920, sales by almost 26 per cent, and Fordson tractor retail sales for the same periods show an increase of over 100 “ per cent for December, 1921,-as well as an increase over the total tractor sales for the November. 3 SE These facts seem to indicate that not only are the farmers buying more | freely, but that .the géneral public is-becoming more responsive. and-re- | ceptive. R Another point brought-.ont:by’s campari§on of production figures for tha two years shows that Ford en- closed cars are gaining in popularity, as 23 per cent of the 1921 produgtion | were sedans and -coupes as against g u;tal of 18 per cent for the year pre- vious. Recent reductions in Ford car:and truck prices brought them to a new low level. The tourist car now sells for $348, thg runabout for $319, the coupe for $580, the sedan for $645, the chassis for $285, and the truck for $430, all f. 0. b. Detroit. past sixteen months. ' During that time the price of the touring.car] slone has been cut from 35%] o $348, a reduction of 40 per cent: Res ductions on someof the other types have been even greater, The Ford company believe that this rednc_twn,_w)ule not a large one, is especially important at this time as it should go a long way toward stabil- izing mn}:ket conditions. Ford is giving employment at pres: ent to approximately 40,000 men in his main plant at Detroit, the import- ance of which is emphasized when consideration is given to the fact that nen:’r 2'0 per cent of the city’s pop- ulétion is directly dependent upon the Ford Motor company. ' ———— Wild Turkey Stupid Bird. - A pen-built on logs and inclosed on every side and roofed, the only en- trance being an opening beneath.the bottom log on one side, is all that'is necessagy” to -entrap- the - otherwise wary-and watchful wild turkey. The birds, eagerly following a.luring train of corn, are led along to the pen and p_through.the opening under the log and into. the pen. The instant a tur- kéy finds itself in tlie pen. it-knows it has-got’itsélf into a scrape #nd seeks to escape, but it pays no-attention to the "opening in the log by which it entered, and persistently dashes “around the pen, its head in the alr, ;lopkmg upward for a place to get out. THé old-thme pen-trapping turkey his game escaping from the trap, anq he had only to wait a sufficient thme “to-find. it filled with the foolish birds, T “vith their necks stretched full length, looking for a place in the roof through which to take wing, ana {gnoritig the big opening under the 10g that let them in. i : ' New York Turns to Concrete. A relnforced “concrete building six- ries high is to be bulit in the district of New York.clty; just. Brooklyn’ bridge. - This is a d"height for such'a structie on eral cases where policies have been | yonnattan island, where concrete has written 'for“as high ‘as $100,000 to $300,000 liability insurance. PRIZE MOST EAGERLY SOUGH “Grand Prix de Rome” One of the Most Coveted Awards in World, . of Music and Art, The grand prix de Rome is & prize awarded: by -‘the French government yearly:for the best work in'sculpture, painting, music and architécture.. The competition is confined to French sub- jects over 15 and. under 80 years of age, and consists of four years of art study, three of which are spent at the Villa“Mgdicis at Rome, and the fourth in traveling through Italy and Gréege. all expenses pald by ‘the xavemgnentx Candidates ‘are selected by competi- tive examinations -conducted by the Ecole des Béaux Arts, under the-di- rection of the minister of fine arts, Those who pass the entrance exam- fpations are placed “en loge” for a period of sevesal weeks, explains the Detroft News. This means that the student 18 locked up In a private stu- dlo. diring which time he i8 not per- mitted to see any -one or even talk to the servant. The only recreation given is a half-hour walk -dally in the grounds. During this time he is ex- pected to prepare something finally to be passed upon by the authorities. STRIVE TO MAKE ROADS SAFE Campaign Iin State of Massachusetts for More Comfortable Conditions After Dark. In a_campaign to make the roads of Massachusetts safe and comfortable for night driving, automobiles from! other states must have the proper| devices approved | light equipment in ‘that state before they are allowed within the HUmits of the common wcaalth. <f-and factorles, been used sparingly and only for lofta (heve v it bout Nunter ¢never had any anxiety abou !ylcks: 47900 spark plugs; 307,647 This is the fourth price cut in the | tot THE GET SURPLUS WAR MATERIAL Bureau: of Public Roads Distributes Different Articies for Highway Construction. (Prepared by the United States Departmeat of Agriculture.) Many and varied are the articles of surplus war material which hate been distributed through the bureau of pub- lic roads, United States Department of Agriculture, among the varlous states for road-building - purposes. These articles were turned over by the- War department to the Depart- ment of Agriculture under the Wads- worth-Kahn bill, the sole stipulation attached to thelr use being that they be devoted exclusively to the construc- wonth o “tion and maintenance of roads; The distribution, which has been in process for some time, probably will' be com- pleted about the mjddle of next year. The total value of machinery, equip- ‘ment, and supplies, independent of ‘motor: vehicles, which have been dis- tributed Js “more than $30,000,000. More than 10 closely written type- wrilcen pages .are required for the list of articles alone. In the list are included many thousands of iron and steel bars, including 126,497 pairs of splice bars for 25-pound rails; 48,460 axes of various kinds; several hun- dred automobile bodies, and many thousand tons of spare parts; 12,398 brooms of varlous kinds; 273,085 fect of assorted cable: 60 .cameras; 1,201 Truck Adapted to Road Work. miscellaneous flat and gondola cars; 1,200 miscellaneous " concrete carts; 117,350 feet of cord; 1,553 compasses of varlous sizes; 1,108 fleld desks grindstones; 4,660 hammers; 16,078 sets of ussorted harness; 1,099 hatch- ets; 382282 feet of varlous kinds and sizes of hose; 31,025 assorted lanterns; 14 sets of micrometers; 15,- S02 sheets ‘of wand paper; 156,436 fence posts; 25,000 gross tons of ralls; 888,007 sheets of rooting metal; 494,- 860 feet of various kinds and sizes of rope; 67 salamanders; 378,812 shovels various kinds; 47,892 spades; 1,757 tractors of various types; 4773 wagons ; 7,960 wheelbarrows; and wire of various kinds amounting to approxi- mately 2,000 tons. City Zoning Spreads. ', . The chamber of cémmerce of Kan- sas Clty bas recently Leard the first officiul presentation of the work of the city planning commission of that clty. The chamber has unanimously voted to make an intensive study of zoning principles’and co-operate with the city 'plan commission, Theft Insurance is a necessity. : your- family are drivin| <ongested thoroughfares. pany, Not you. # “““Phone 144~~~ v HY do you buy automobile insurance? You wish to protect the money invested in your car just as you do the money invested in your home—you, therefore, want Fire Insurance. Thefts are an every-day occurrence—you cannot afford, regardless of your means, to lose the car. Neither do you wish to be deprived of its use: HEN driving your car or when members of amil it, there is always a possibility of “damaging the property of others. Such accidents are often unavoidable on Your Property Damage Coverage places the responsibility upon the com- - Y wish to be tection. knowledge of or lieve you of the ' THE DAY YOU BUY A CAR IS THE DAY TO INSURE IT " Reynolds & Winter RELIABLE INSURANCE IS YOUR CAR INSURED ? OU, as a.car owner, concede the neces- sity for insurance. In the early days of the automobile industry the need was not so great. Today the car owner who doesnot carry insurance is the exception, not the rule. O matter how carefully you may drive, there is always dan have a natural desire to avoid legal entanglements. Automobile Liability Insurance provides this pro- OW ~often have ‘you had narrow escapes on crowded streets when another car in charge of a careless or-excited operator had no car had been struck-Collision Coverage wuald re- culties that might arise. BEMIDUI" DAILY PIONEER ey g~ —— s —— PAGE THRER ORIGIN OF STUDEBAKER | SLOGAN IS EXPLAINED, J. W. Holliday Says Public Coined Words, “This Is Studebaker Year” Since the famous slogan, & Studebaker Year,” was or by the public and adopted by baker officials, many Stude.- a explanations have been given and many influences cited, as being responsibie for it. Prominent bankers and business men have given credit to the organ- izing ability of President A .R. Er- skine and hia sound financial- judg- ment. Sales and advertising execu- tives have spoken of Studebaker's records during an “off year” in bus- iness as a stroke in merchandising by Vice President H. A. Biggs. Own- ers have sounded the praises of the cars themselves, as designed and pro- duced under direction of M. F. Wol- lering, vica president. 4 Holliday Tells of Slogan. Because this slogan has been wide- ly quoted and with so many factors .being named as responsible and 50| imany interpretations being placed on the phrase, it is of interest to get Studebaker’s story from an official source, It is told by J. W. Holliday, Minneapolis representative of the Studebaker Corporation of America: _“The slogan first gained circula- tion when Studebaker jumped into 2 conspicuous place because of its great gains in the production and sales of cars. People began to talk about Studebaker, first because. of records being made, and secondly be-; cause automobiles always stril‘(’e a responsive chord as a topic of con- versation. ‘“‘Suddenly, one day, somebody, in enthusiasm, remarked that ‘This is a Studebaker year.’ Immediately, this! slogan spread with surprising rapid- it{, until it seemed to be nation-wide Then it was that Studebaker officials edopted it, This story—this fact that the public originated the now famous slogan angd Studebaker adopted it— Ahas not until now become generally known. ; . Cars’ Performance Excellent. lf “Aside from thg- remarkable ormgnce in every day se: e in own- ers’ ]’_ands. Sgydebiik{n{'crayii hung‘wl_?p new ‘speed, endurance -and économy marks not only’in the United Statcs, but virtually in every corner of the| | civilized world. Prominent among these were the establishing of the five most important records on the Pacific ciast; the distinction of being first into the Yosemite valley, first to climb Studley hill, in the Odiron- dacks, ag well as Mount Beacon, N. Y., ‘in high) and the achievement of circling the Island of Hawaii in | :“The story of ‘This is a Studebak- er ‘'Year’ would not be complete with- lout mention of the fact that along iwith the sensational increase in car isales there has been as marked a de- creesq in repair parts sales. To be specific, sales of cars increased 89 iper cent during the first nine months iof 1921 over the same period of 1919, jncord time, 4 iyet the sales of repair parts actually ishowed a decrease, amounting to G ‘per cent. with 117,000 more Studebaker cars in operation on Oct. 1, 1921, then on Oct. <, 1919, Studdbaker’s ‘repair parts business was 6 per cent less— a trully wonderful tribute to the fact that Studebaker cars are standing up and staying out of repair shops, a record of which Studebaker is justly proud.” But Not to a Girl. She—And, Harold! you have never loved any other girl hut me? Ile—No, my love! g She—Yet somebody told me that you have been cngaged once before! He—Yes, but that was to a widow. e e Worth Remembering. “Mr. ex-Kalser,” sald Uncle Eben, “ought to serve to remind a heap o folks dat a man gits mo’ respeck when he’s a-choppin’ regular wood, dun when he's braggin’ 'bout his family tree.” r of injuring pedestrians. You relieved of embarrassment. You ignored the traffic rules? If your necessity of adjusting. any diffi- Bemidji, Minn. SEEK FUNDS FOR WORK Or, putting it another way, ' AMONG MOUNTAINEERS (By United Press) Washington, D. C., Feb. 21.—With the co-operation and advise of Sen- ator T. Coleman du Pont, Lincoln Memorial University, near Cumber- land Gap, Tenn., began its 26th year Feb., 12, by initiating a movement to raise $2,000,000 as a permanent maintenance and development fund. Parts Made To Order Re-grinding scored the motor to its original efficiency—more power, less gasoline life of the motor and car. The governors of Tennessee, Ken- tucky, and Virginia, tvhose states poin at Cumberland Gap, where the Uni- versity is located, became the first honorary committee of governors ond distinguished eiti zens of the United States who are sponsoring this movement to provide adequate meang for perpetuating this living memorial to Lincoln. This dnstitution was established 25 years age in response to a hope iexpre; b, resident. Lincoln in 1868 that uMhink'F‘é done %flr the education of the mountain people of the South:who had been shut out of the world for nearly two centuri, General Oliver Otis Howsrd spent t last -11 years of hig life in devel ing the $chool and in securing a chus for.an endowment. ' The ir tution welcomes to its halls any dent, however\ limited his mean however ‘elementary his educatio IN THE BEST EQUIPPED SHOP IN NORTHERN MINNESOTA, We are prepared to han- dle anything in the repair line, and making of new parts for practically every- thnig needed in. Steel, Iron, Bronze or any other metal. CYLINDER RE -GRINDING A SPECIALTY r worn cylinders, fitting new oversize pistons and rirgs restores d oil, prolongs the We re-grind with latest up-to-date equipment and accuracy used only by the higher priced car manufacturers. Write for particylars and prices, giving name and model of c‘i-. matine or station- ary engine. ALL 'WORK GUARANTEED--REFERENCES. BEMIDJI MACHINE WORKS PHONE 61.W REAR, Truth is Mighty that the vear of 1921, The sales of Studebaker Cars were 29 % greater than in 1920, not- withstanding the fact that the total number of cars sold of all other makes (except Ford) was 40% less than in 1920. Stated otherwise, Studebaker’s ratio of sales was 129 and the total of other makes 60, as and Shall P, The universal populartiy of Studebaker Cars is attested by the fact orporation enjoyed the biggest business in its history in the compared with. 1920. The number of Studebaker Cars sold in the year of 1921 in both Greater New York and in the Metropolitan District exceeded the sales of any other make except Ford. STUDEBAKER “ig the world’s largest producer of six-cylinder cars. hands. dents. for a given price. 313 IRVINE AVE. The only possible explanation of the popularity of Studebaker Cars lies in their quality, durability and dependable performance in users’ Proof that the cars stand up in service with minimum repairs is evidenced by the fact that our sales of Repair Parts in 1921 were 129 less than they were in 1919, notwithstanding that 118,000 new cars were sold and put in operation in 1920 and 1921. total estimated number of Studebaker Cars in operation in 1921, we sold $16.00 worth of parts per car for repairs from all causes, including acci- The materials and workmanship in Studebaker Cars measure up to the highest standards known to the automobile industry. Substantially hetter intrinsic values cannot be obtained at any price, that high prices necessarily mean Zna cars is fallacious, simply because prices are not based upon intrinsic values but upon production costs of individual makers, which vary widely according to their ability and manufacturing facilities. evitably arising from incompetence or inadequate manufacturing fa- cilities, mean not only high prices but actually inferior cars. Obviously, high costs With $70,000,000 of actual net assets including $36,000,000 of plant facilities, Studebaker stands unsurpassed in ability and resources to manufacture economically and give the greatest intrinsic value possible ~THE STUDEBAKER CORPORATION OF AMERICA Beltrami Motor Co. GEO' KERR, Manager 319 BELTRAMI AVE. Based on the The theory of production, in- PHONE 161 MODELS AND PRICES F. 0. B. Factories LIGHT-SIX - = 71048 | Touring ... . 1045 | Roadster (2- 1375 | Coupe (4-pas: 1750 | Sedan ... " SPECIAL-SIX T 9 W. B., 50 H.P. | 7-P BIG-SIX $1200 [ Cha: 1475 1425 | Tou | Roaduter (4-pass.). .. 2350 " 1478 | Coupe (4 - 2160 Sedan ...... ring .