Anyone who drives a car needs good quality auto insurance before they hit the road. What kind of coverage do you need? What limits should you get? What the heck is auto insurance jargon really mean? We hope to clear all of this up for you with the information below.
Auto Liability Coverage
This type of auto insurance coverage is meant to protect and insure you for damage that you cause to other people or property in an auto accident. If you hit Aunt Sally in her old Buick your liability coverage protects her from suing you and getting money from your own personal bank account or assets.
When shopping for a car one of the things you will need to consider is your car loan. How do you know which loan is best? How do you know you are getting the best deal possible? The best interest rate? We are here to walk you through this process. By following the simple guidelines below you can get a loan that you will be happy with.
How Long Will You Be Financing?
One of the choices you will have is loan term length. There are several options here and much depends on the size of your loan. There are usually options for 36 month, 48 month, 60 month, and even sometimes 72 month loans.
We love cars more than our wives, kids, jobs and food…..
Yeah, we really do….
(At least the part about our wives)
Deciding which are the best and most stylish truck wheels can be a bit overwhelming. The most important factor you need to consider is probably the right size but if you really want to stand above the rest, you should also make it in style. In order to make the decision process easier, we have gathered some info for you some of the most durable and stylish options below.
Most types of wheels are constructed using either from heavy duty steel or Aluminum Alloy-each with their own set of capabilities and appearance. Heavy duty steel wheels are stamped which increases durability and resistance from sand, rocky roads and break-acceleration,while Aluminun Alloy truck wheels are low-pressured and allow more flexibility compared to steel wheels. Heavy duty steel wheels are your best option if you value durability more than style, but Aluminum Alloy wheels are considered more stylish because of their shiny metal finish which happens to be rust-resistant. The cost varies according to the manufacturer, vehicle type and size.
Where you should buy your wheels
If you are looking for specific types and possibly manufacturers, check out some of the options from BMF wheels. BMF has over 6 series of truck wheels including:
· The “Fite” series: classic extra-durable series that come in a variety of sizes and in three finishes and colors like stealth, PVD ( silver) and Death Metal Black.
· The “Rerp” series: heavy duty series that come in a variety of designs, depending on the number of spokes and lugs. Also available in colors/finishes: stealth, PVD and Death Metal black and compatible with TPMS sensor.
· “Novakavane” series: Classic yet stylish series that look awesome in a wide variety of trucks thanks to their shiny, “death metal” finish. The “novakane” series are available in 5 lug, 6 lug and 8 lug designs, all compatible with a TPMS sensor.
· “Rehab” series: new series with a distinctive complicate structure and finish that adds style and versatility to your truck. Also available in 6-lug and 8-lug designs and compatible with a TPMS sensor.
· The “Sota” series: Heavy duty series with a unique three-dimensional design which is also TPMS sensor compatible and comes in 5-lug, 6-lug and 8-lug patterns/designs.
· The “M-80 series”: Unique series designed to give theslight impression that your truck is moving even if it’s still. The designs are available in many sizes and diameters to choose from and like all the other series, they are TPMS sensor compatible.
Other great options for buying wheels
XD wheels are also a good choice. XD wheel designs are available in unique impressive designs and finishes (black/chrome) that make you truly stand out from the average truck drivers. Furthermore, they are tested for extra durability for full-satisfaction
KMC wheels have become popular as well. KMC wheels are renowned for their glossy finish and modern flexible designs and sizes to fit the needs of any truck including lowered, stock trucks and SUVS.
There are also many other manufacturers that make quality and stylish truck wheels but you need to make sure the size is right and weigh all the pros and cons of each design to be able to make the right decision.
I used to believe all kinds of things about how car insurance rates were determined. In fact, I believe these things so much that I would repeat them as facts to my friends and family.
Then one day a friend of mine who does programming for a major property and casualty insurance company set me straight on a few of the myths that I had been perpetuating. He also explained to me where these myths came from and which ones blur the line between fact and fiction. After all, myths have to come from somewhere, right?
Here are a few car insurance myths my friend set me straight on.
The Color Of My Car Affects My Insurance Rates
Probably one of the biggest myths that exists is that the color of your car can substantially affect your insurance premiums. In an indirect way car color could affect your car insurance rates – but not when you’re initially signing up for your insurance plan. For example, recent studies have shown that dark cars – especially black cars are the cars most likely to be involved in an accident. And if those accidents are your fault, you can be sure that your insurance premiums will increase.
Car Insurance Companies Use My Credit Score When Determining My Premiums
In certain states, it’s actually illegal for an insurance company to use your credit score when determining your rates. For example Prop 103 banned the use of residence location and credit scores in determining California car insurance rates. Similar laws have been enacted in Massachusetts and Hawaii.
However, it’s true that most auto insurance companies will order your credit report when setting your insurance rates. That’s because studies have been done that show that lower credit scores correlate to a higher accident rate. Of course, the inverse is true as well – good credit scores correlate to a lower accident rate. In fact, The FTC found that there is a correlation between a low credit score and a higher chance of filing a future claim.
No Fault Insurance Means That “Nobody’s At Fault”
No fault insurance doesn’t mean that nobody’s at fault. It simply means that your own insurance must provide a certain amount of coverage to pay for your immediate medical expenses. The “No Fault” part stems from the fact that if you pursue medical damages under a liability claim against another person’s insurance company, that company has to determine and agree that their own driver was at fault before they will pay you anything at all. Not only that, they have the right to wait until you’ve finished all of your treatment before settling your claim and paying any of your medical expenses.
No fault insurance allows you to get medical treatment immediately. The amount of coverage your insurance company is required to provide varies from state to state.
Full Coverage Means That “No Matter What Happens I’m Covered”
Probably one of the biggest misnomers in the insurance industry is the term “Full Coverage”. Many people think this means that they are covered for anything and everything and end up with an artificially created peace of mind. The truth is that there is no such insurance coverage as “Full Coverage”. It’s simply a convenient term when discussing what coverage is needed to best mitigate your potential risks associated with your car.
What kind of things does full overage not cover? It doesn’t cover rental reimbursement, roadside assistance, or medical coverage (except in states where no fault insurance is mandated). Also, depending on the state you live in it may or may not include Uninsured Motorist coverage.
There are plenty more car insurance myths I could dispel for you, but I think you probably get the idea by now. The best things to do if you’re confused about what affects your insurance rates is to either ask your insurance agent directly or speak with your local insurance advocacy group.
Auto insurance is an inevitable expense, as long as you have a vehicle, since every state requires that a person driving on the roadways is protected. This is not only meant to protect the driver, but to protect others who are on the roadways. With this being said, auto insurance can be quite expensive. There are times in which many seniors feel as though they need to get some of their expenses lowered in order to make ends meet or to simply save up for the dream vacation they had always planned for when they retired. There are several ways in which seniors can save on their auto insurance in order to put a bit more back every month for something special or to simply make their retirement money last longer.
1. Look at AARP & Senior Specific Sites
AARP is one of those companies that deals specifically with senior citizens. One of the advantages of being a member is that you can qualify for lower auto insurance rates. Instead of basing this on other aspects, most AARP members get auto insurance rates that are adjusted according to their age. This great benefit can start once a person hits the age of fifty and will continue to decrease as the person ages. We also found sound good deals and other information on sites geared towards senior citizens like SeniorityComplex.com.
2. Combine Different Policies with the Same Company
Those who go with one company for all of their insurance needs will find that they qualify for a decent discount due to combining all of their policies. This is one way that most companies reward their customers who do this. The discount can be as much as twenty percent which saves a person quite a bit when taking into consideration all that they may be insuring.
3. Less Miles Driven Means Lower Rates
If you find that you are driving less now that you have reached the age of retirement, then this can get a deep discount. Most insurance providers base your auto insurance on the average number of miles driven. The average according to most companies is 12,000 a year. However, if you are driving far less than this, let your company know as they could adjust your rate. The less miles you drive, the less risk you are to get into an accident while on the road.
4. Look at Your Current Coverages
There may be times in which seniors will find that having full coverage auto insurance on their vehicle is really not worth it. This is usually the case if the car is more than ten years old. In these cases if the car were to be totaled, most companies are not going to give the person enough money to actually purchase a new one, thus why should you pay more for coverage that may not benefit you.
5. Always Compare Companies
Just because you have been with one company for years, does not mean that you cannot switch to another company. In fact, you should comparison shop for your auto insurance at least every other year to ensure that you are getting the best deals. For whatever reason, one company may offer you a significantly lower amount for your auto insurance. Though it may be a hassle, this is definitely worth the time to do.
Car troubles….who needs them? As anyone who owns a vehicle knows there are times in life when things happen to you car. They wear out… They break down… The not so funny part is that these repairs usually come at the worst time don’t they?
When it comes to your car’s transmission it is definitely a part of the car you can’t do without. You can’t put off repair. When your transmission is malfunctioning your just need to take it to the shop and get it diagnosed by a car repair professional. Here are some signs that your transmission is getting ready to go out and needs your immediate attention:
Your Transmission Refuses To Go Into Gear
Have you ever tried to put your car into park or drive and it won’t go in? That is a good sign that your transmission needs to be looked at. Sometimes it might be something simple like low transmission fluid or the wrong viscosity of the fluid itself. Sometimes it’s something more serious. Your best bet is to take it to a professional transmission shop right away and have it looked at.
You Smell Something Burning While Driving
If you smell hot transmission fluid, you likely have a transmission that is overheated. Again, this could just be a low fluid situation so if you know how to check the fluid yourself do so. Otherwise, take it to a professional.
The Gears Slip While You Are Driving
Ever had your transmission pop out of gear while driving? If so, this is a strong indicator that your transmission needs service or worst case, needs to be rebuilt. Unless you are a back yard mechanic who is really well versed in auto mechanics, it is best to take your vehicle to the shop.
You Notice Fluid Leaking From The Transmission
When you drive the car away, if you notice a pool of fluid underneath the car, this is a dead giveaway that something is wrong. Oftentimes this can be a leaky seal so you will want to have that repaired right away. The last thing you need is to burn your transmission out by running it dry.
Engine Revs During Acceleration But You Don’t Move
This is actually a very bad feeling….I myself have had this happen to me. Let me tell you – it isn’t fun. This generally means that your transmission won’t go into gear and you will likely need to be towed to a local dealer. We had work done at a shop in Garland (click here) which is near where Tim lives. The work was good and being the gear-head guys we are, would use them again – we were happy with the quality and quickness of the repair.
In the end, if you notice any of these problems listed above, your best bet is to take it to your local transmissions shop. Not everyone enjoys working on cars as much as we do, and let’s face it, sometimes you just need a quick repair to get you back on the road.
How do you think your driving skills rate? Good, bad, ugly? In most of America the driving skills of most motorists are lacking. We used to think of bad drivers as teenagers or old people but that is no longer the case. Bad drivers come from every State, and come in all shapes and sizes. So what to do about this? Take a driving course!
There are many businesses across the country that will teach us how to become better drivers. While most of us would think about using the DMV or some booklet to make us better drivers, the best way is actually through a class at your local driving instructor. The purpose of a defensive driving class is to teach you how to avoid accidents before they occur. They teach you how to work your way through traffic, watch for suspicious or wacky drivers, and how to keep yourself safe and sane while traversing the highways. Most people don’t realize but most accidents occur just a few miles from your home. For this reason, care must be taken at all times to ensure your safety and the safety of your passengers.
What else can a defensive driving course teach us? They can teach us about basic automobile signals, the different types of road signs, and last but not least, driver’s etiquette. Isn’t a sad state of affairs that we have to teach etiquette to our driver’s but how many times have you been cursed at, of worse, flipped off by another driver? All too often we could guess. For this reason a key to staying safe on the road is to treat other drivers with care and concern. Be mindful of driver’s who need to cut in front of you, of who might have missed their exit, or who are exhibiting road rage tendencies. All of these things are taught in a good driving class.
Who should take a driving course? Really, it is anyone from teenagers, to middle aged, to the elderly. Quite honestly, anyone can benefit. Another interesting fact is that some insurance companies will offer discounts to their insureds who have taken a defensive driving class. Wouldn’t that be nice? We don’t know about you but car insurance is really a very expensive thing but since it’s mandatory, there isn’t much we can do about it. For that reason, taking a driving course and getting a discount on insurance is a nice perk that shouldn’t be missed.
What type of class should you take? Funny, but there is a “type” of class for any interest! Want a funny driving class? They are out there! Want a class geared towards women? Yup, those exist too! Want a driving class that is built around a movie mystery dinner? You guessed it, those are available. The point is driving class doesn’t need to be boring at all. There are some great versions out there and here is one that you can visit their site. These guys offer really fun and interesting courses that are based around gaining better driving skills.
Whatever path you choose we strongly recommend that everyone take a driving course even if they aren’t a fresh teenager driving for the first time. Come on, be a little selfish, if you aren’t going to do it for other drivers, then do it for the discount on your auto insurance!
When your car needs repair, and who’s car doesn’t need a repair at some point, where do you go? What are the key traits that define a good mechanic versus a shady rip off joint? When you don’t have a trusted resource to have your car worked on you might have some anxiety and rightfully so. Hopefully we can provide you some tips on finding a good mechanic when you need one.
One of the first places to turn to when trying to evaluate a mechanic or auto shop would be to online reviews. In this day and age these have become a somewhat trusted go to source for peer reviews. Sites like Yelp or Angie’s List can give you an idea of mechanics in your area that are doing a good job for other customers. Yelp’s reviews can be somewhat biased, but Angie’s List is fairly reliable as it it a paid service. You will want to look for good reviews that are recent in nature. A good review from three years ago doesn’t help much since ownership or management might have changed since the review was authored.
Networking is another good source of trusted information on good auto mechanics. Who have your friends, relatives or co-workers used and have had good success with? It seems like everyone at one time or another has needed their car worked on and this is a great opportunity to find out first hand who out there has a good reputation.
When you do locate a mechanic you will want to know what sort of mechanic certifications the shop has. A good, trusted, and educated mechanic will usually be ASE, or Automotive Service Excellence, certified. You should know that there are also areas of specialization so one mechanic might be certified in transmission work while another might be a suspension expert. Get the mechanic to match the job. Also, another good indicator of a shop that invests in its in employees is one that pays to have their auto mechanic safety training up to date and completed.
Once you have made it this far in finding a mechanic you are in the home stretch. Your next step will be to actually speak to the mechanic that will be performing work on your car, truck or SUV. The mechanic will usually perform a diagnostic test on your vehicle after they hear from you what is wrong. When discussing your car’s problem with the mechanic you will want to be as specific as possible. Is the car not running right? Is the vehicle misfiring? Are there problems with the brakes, tires, or engine? By discussing these items with your chosen auto shop you will be able to get your problem fixed much faster. After the mechanic finishes his or her work, you will want to have a complete discussion with them about what they found, what work was performed, etc. You will also want to get a break down of all the associated costs that went into fixing your vehicle.
We hope these tips help you find a good auto mechanic should you need one in the future. We follow these exact same steps when looking for mechanics near our hometown in Texas. Around here, we usually refer our acquaintances to these guys and only do real work for our friends who need auto repair. There are only so many hours in a day and having a backup mechanic who is trusted can be worth its weight in gold! Whatever you do, ask around when shopping for an auto mechanic. Word of mouth is always preferred!
So, you are thinking about buying a hybrid car? This may or may not be a good decision for you and your family. What type of driver are you? What type of driving do you do? Commuter miles? Long family vacations? All of these are factors to consider when buying a hybrid vehicle. We attempt to shed some light on this amazing vehicle and answer the question as to whether or not a part gas part electric vehicle is for you.
How Much Do You Have To Spend On A Car?
Unfortunately, hybrid vehicles often cost more than their gas only counterparts. Interestingly enough, hybrid vehicles are actually most often purchased by those buyers that are on average, higher in income levels. Odd huh? You will need to balance the money you will save on fuel with the higher cost of the initial purchase. Of course you can go really high end with a new Porsche hybrid that will run you right around $100,000. Or, you can go with the more traditional choice of a Toyota Prius which will start right around $25,000. Of course options such as GPS, higher quality seats, a better sound system, etc. will add to that initial cost.
Who Drives Hybrid Vehicles?
Often drivers of hybrid vehicles are more affluent, of an older age, and from coastal states. Areas like California, Oregon, and Washington have a higher incidence of hybrid drivers than say Ohio or Kansas. Oddly, there is some research that states that most hybrid owners have a higher education level than non-hybrid drivers although we couldn’t find any facts to support this assertion. Finally, more men than women drive these vehicles.
How Much Gas Can You Save Driving A Hybrid?
It seems like most hybrid vehicles average between 50 and 60 miles per gallon. Not bad for a fuel burning vehicle! Given that gas is hovering around $4.00 per gallon this can save quite a bit of money over the course of the life of the vehicle. Will this compel you to buy one? Only you can answer that question.
What Are The Top Ranked Hybrid Vehicles?
Year after year here are the best of the bunch: Ford Fusion, Hyundai Sonata, Toyota Camry, Toyota Prius and the Chevy Volt. For SUV’s the top contenders are usually the Lexus RX, Toyota Highlander, Cadillac Escalade, Volkswagen Toureg, and the Porsche Cayenne. For full size SUV’s recent releases are the GMC Yukon hybrid and the Chevy Tahoe hybrid. You shouldn’t have a problem finding a vehicle to meet your needs in the hybrid category.
Is Safety An Issue When Driving A Hybrid Car?
Safety is something that really has come to light over the last several years in the auto industry. Having a safe vehicle is actually a factor that many now consider when purchasing. So, how do hybrids stack up? Most of them did very well in crash tests and most stood up to wear and tear. From disconnecting the battery to dealing with the AC system, we didn’t notice any ill effect of owning a hybrid and getting it repaired when damaged.
The advent of the hybrid vehicle really couldn’t have come at a better time. With gas prices skyrocketing to new levels each and every year (at least thats what it feels like), having a fuel friendly vehicle can be just what the doctor ordered. After all, fuel savings equals money in your pocket. What would you do with all that extra money? Have fun while you think about the answer to that question. Studies have shown that the average hybrid owner saves around $3,000 per year on fuel costs.
It is often difficult for people to decide whether to buy a new or used vehicle. Here are the pros and cons of purchasing a new model versus a used one.
Newer Models Include Modern Features
The latest vehicle models include new features such as MP3 and Bluetooth sound systems, GPS units and built-in TV screens. People also have the ability to order a customized vehicle that includes the type of features they would like to have. People can also choose the kind of interior they want. These customized features are sometimes included in the cost of the new vehicle and increase the value of the car.
Financing a New or Used Vehicle
Banks usually offer lower interest rates on new car loans because newer vehicles have a higher value. People should take the time to conduct some research on current interest rates. If you are purchasing a vehicle for your family, it is generally accepted that the car will be a little higher-priced. It therefore makes sense to consider the implications of paying more for the car, but getting a lower loan interest rate. Those who choose the loan with lowest interest rate can save the most money.
Differences in Cost
People who buy a second hand motor vehicle often get a great deal. New vehicles are pricey and depreciate quickly. According to RACQ a brand new vehicle loses up to 40 percent of its value within three years.
After thinking about the pros and cons of buying new and second hand vehicles many people decide that it is in their best interest to purchase a nearly new or demo model. Slightly used vehicles are affordable and reliable.
People should do some research on different vehicle makes and models to see which cars tend to have issues. Car dealerships often have sales at the end of the financial year, which gives people a chance to get a terrific deal.
Finally, people who want to buy a used vehicle should have it inspected to make sure it is worth buying.