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Auto Repair

Tire Insurance: Myths And Facts About Road Hazard Policies

Tire Insurance: Myths And Facts About Road Hazard Policies

Insurance—it’s everywhere. One can insure just about anything. Are tires an investment one needs to insure? Tire insurance, also called a road hazard policy, road hazard warranty, or tire reimbursement plan, is a rapidly growing industry in the automotive world.

Tire warranty plans pay in full or in part for the replacement or repair of damaged tires and/or rims from “road hazards.” Road hazards are defined as pot holes, debris, nails, wood, and other hazards found in the road. Curbs, sidewalks, and stone walls are not road hazards. This is an important distinction to consider when deciding if tire insurance is right for you (discussed further ahead).

Tire plans last for a specific period of time and tire wear tread-depth. Some plans last 2-3 years. Others can last 5 years or 60,000 miles. Several plans come with fixed amounts of coverage: $500 per year up to 4 years. Many contracts require three years of law school to comprehend. In terms of tread depth, a tire is usually considered worn out (and thus the plan null and void) at 2/32 to 3/32 of an inch.

Another important distinction is in the type of plan.

Tire reimbursement plans are just what they say. You, the plan holder, will be reimbursed after the claims process is finalized—usually 2-8 weeks. There is an out-of-pocket expense. These plans are often sold by new car dealerships. The prices can range from $300 to $600 dollars.

Road hazard policies operate similarly to reimbursement plans. However, some tire insurance providers, in partnership with the repair facility, may have a direct-pay relationship. Thus, there would be no out-of-pocket expense, except for applicable deductibles, and items not covered in part or in full. These plans are primarily sold by tire dealers and repairshops. The prices range from $10 to $30 per tire. They also can be based on a percentage of the cost of the tire: usually 12% to 15%.

Both types of plans have a number of variables, requiring a magnifying glass to read the fine print. Also, many are pro-rated warranties, covering only a percentage of the cost of the tire based on its wear.

Claims and Coverage:
Depending on the plan, claims are initiated by the repair shop. The process is fairly smooth, although there can be a significant delay from the provider for authorization. This delay may be an hour or an entire weekend. This means that you’ll have to “ok” the tire replacement, and then hope it’s authorized for the full amount, or drive on your spare.

Some plans offer national coverage either among their service facilities or from other repair centers. Claims procedures will vary. Others only provide local coverage, or coverage at the selling facility.

Limitations:
Tire insurance does not mean that everything is covered. Pro-rated warranties are based on the wear and tear of the tire. You may get 75%, 50%, or only 10% coverage depending on the tread-depth. You’ll pay the remainder. While there are plans that offer full coverage, even these have limitations, or they may conflict with a repair shop’s policies.

For example, many plans allow for a maximum of $30 to mount and balance one tire, and a maximum of $15 to repair a tire. However, sport tires often have significantly higher mounting and balancing fees—upwards of $50 per tire—and tire repair prices can exceed $90. There are also discrepancies on the tire and rim prices themselves, which in the end, may have to be supplemented by the service customer.

Although there usually is not an issue with the latter given the competitive market, the service center’s price mark up may be unacceptable to the plan provider. In this case, the service center needs to lower the price or you, the service customer, need to pay the difference—or go somewhere else. This does happen!

Rim Prices and Repairs:
Rim replacement is becoming less frequent. With the high cost of aluminum wheels and sport wheel packages, tire insurers have opted to have them repaired. Repair will only be done if the rim does not hold air. What this means is that even if the rim is warped—enough to cause a vibration and even premature tire wear—they won’t replace it. Rather, they will send it out to be straightened and repaired.

Rims are replaced only if the damage is so extensive that the new tire, when mounted on the rim, won’t hold air. However, even in this case, especially if it’s an expensive sport wheel, they may still attempt to repair it.

Repairing rims is a bad option. While some rim repair is acceptable, badly warped or damaged rims will in no way ever be the same.

Alignments:
If a car hits a road hazard hard enough, such as a pot hole, it’s wise to have the alignment checked. Road hazard policies and tire reimbursement plans do not cover alignments. The service customer will have to pay for this procedure.

Road Hazard Protection Positives:
Some plans include tire rotations, wheel balancing, and nationwide coverage.

Myths:

1) “Can I pop all 4 tires and get a new set of tires?”

You can try. But this type of claim will trigger a number of red flags with the insurer. The policy holder will likely send out adjusters and/or require photographs. You will also have a difficult time explaining how a “road hazard” caused all 4 tire pop.

2) “New tires come with a road hazard warranty.”

New tires do come with a warranty by the tire manufacturer. However, it only covers defects in workmanship. New tire warranties do not cover punctures or damages from external sources. This is why “road hazard” protection is being pushed.

New tires are rarely defective. If there is a problem, it’s usually noticed when balancing the tire. Or, there is a drivability concern such as vibration or noise. If there’s a defect it’s generally caught right away, and the tire swapped out.

3) “It’s so cheap; it’s a no-brainer, right?”

Actually, the experts don’t agree with this statement.

The Economics of Tire Warranties:
An article from the Washington Post by Terence O’Hara explains the economics of extended warranties and purchase protection plans in general. It is quite fitting for road hazard warranties. He writes:

“The decision to buy an extended warranty…defies the recommendations of economists, consumer advocates and product quality experts, who all warn that the plans rarely benefit consumers and are nearly always a waste of money.

‘[Extended warranties or purchase protection plans] make no rational sense,’ Harvard economist David Cutler said. ‘The implied probability [of having an issue with the product] has to be substantially greater than the risk that you can’t afford to fix it or replace it. If you’re buying a $400 item, for the overwhelming number of consumers that level of spending is not a risk you need to insure under any circumstances.’”

In short, road hazard warranties are a waste of money. Don’t insure that which you can afford to replace.

Numbers Game and Slim Chances:
Like all insurance, tire insurance plans are a numbers game. However, this is a game you have a 98% chance of losing. Insider statistics show that the percentage of claims paid out by providers is as low a 2%.

Curbs:
Another interesting note is that a lot of tire damage is caused by curbs. Curb damage is not covered under most road hazard policies. High granite curbs with sharp edges slice through tens of thousands of tires per year.

You Won’t Notice:
Many people don’t even notice tire damage. Other than to see if the tires are holding air, who “really” looks at tires? Tires are subject to a whole host of external influences which cause bubbles, slices and gouges.

Despite the potential dangers of damaged tires, the damage very often does not translate into any noticeable drivability issue. The point is that if you don’t notice any tire damage you can’t benefit from the coverage.

Research Shows:
Those raving about the benefits of a road hazard policy are the actual folks in the industry who stand to benefit from the sale. They’ll argue that it’s so cheap—only $10 to $20 per tire. Even so, for four tires, that’s $80 based on the “possibility,” the “chance,” of damaging a tire that meets the repair/replacement requirement protocols.

Auto Insurance:
If a rim and tire has incurred significant damage, it’s quite likely that other problems have resulted as well. The first is that the vehicle may have been jarred out of alignment. Secondly, hub bearings, front end components: tie rods, spindles, ball joints, and a variety of other components may have sustained damage. In this case, auto insurance, which you are already paying for, will pay for everything—brand new.

Free Road Hazard Warranties:
Many tires come with road hazard warranties FREE. In other words, in an effort to secure retailers, many tire distributors provide service centers FREE road hazard insurance. Some shops pass this on to their tire customers, others sell them. Ask if the tire “comes” with a road hazard protection policy. If not, request that one be provided at no additional charge. It’s worth a shot.

Also, some car manufacturers provide road hazard warranties FREE of charge for 12 months or 12,000 miles. If you’re buying a new car or even used, ask that the dealer provide a complimentary road hazard policy (after all the wheeling and dealing is done, of course), and just before you commit.

“What’s the best road hazard policy?”
Money in “your” bank account.

Categories
Carpet Cleaning

Solid Advice For Finding A Carpet Cleaner

TIP! Investigate the reputation of the carpet cleaning company before you hire them. When it comes to carpet cleaners, there are many to choose from at a wide variety of levels of expertise.

When it comes to cleaning carpets, a lot of people just don’t like it, and for the most part, their efforts are usually in vain. Why not give yourself a chance to make life easier for you, and see how well pros can do? The following piece will provide you with tips to help you find the right professional.

TIP! When you vacuum your floor, divide it into different sections to make it easier on you. The will help you to avoid re-vacuuming the same area over and over.

Don’t use excessive heat when cleaning carpets. Heat can ruin the quality of your carpet, especially if the material is delicate or there are a lot of colors in your pattern. That is critical when you have a stain but want to avoid permanent floor marks.

TIP! Be cautious of companies that contact you by telephone or advertise a price per room. These are warning signs as every room is a different size.

There are many varieties of carpeting; some of which cannot be subjected to harsh chemicals. Test a small section of the carpet before using anything on the entire floor. Inquire about after-care for silk, wool and specialty carpets. If you do not know how to go about getting clean carpets, it’s time to call the pros.

TIP! You should ask your carpet cleaner to test the chemical products they use on a sample or on a small area of your carpet. Testing is critical to do first since some solutions have acids that might make your carpet worse.

It can be a good idea to hire a professional to wash your new carpets. Often, carpets contain chemicals that help to preserve their condition and quality while they sit in the warehouse or showroom. That’s why you need to reduce your family’s exposure to these by having a carpet cleaned before it’s put in your home.

TIP! Remove anything breakable off of furniture that is going to be moved. Never entrust your valuable items to someone else unless you absolutely have to, even with a promise that they will be cared for.

Just because a company uses brand name products that you recognize does not necessarily mean it is any more effective than another one. Make sure that the company you use is licensed and bonded. If they are unable to supply you with the information you requested, there are methods to verifying their work, including talking to their previous customers and calling the Better Business Bureau.

TIP! Using chemical cleaning supplies on carpets can negatively affect your family’s health. Therefore, the carpet-cleaning company should thoroughly read over cleaning product labels before using them.

You can clean your carpets all day long, only to have them still look dingy. Next time you need your carpets clean, hire a professional company and be amazed at the condition of your carpet. It will save you a lot of time, and give you better results than you could have ever gotten by doing it yourself. To learn how to find the right carpet cleaning company, read this advice.

Categories
Auto Repair

Auto Insurance Advice That Is Easy To Follow 2

Auto Insurance Advice That Is Easy To Follow

Automobile insurance can offer an array of coverages. Mandatory insurance coverages vary by state but other optional coverage areas can include: medical coverage for expenses caused by a wreck, uninsured motorist which covers you if the other driver is uninsured, roadside assistance and many other useful coverages. This article can help you understand the options and choose wisely.

If you are aiming to get affordable auto insurance, you should consider dropping any extra coverage that is not needed. You should talk with your insurance company or insurance agent so that you can find out all the extras that are included in your current coverage. Once you know the extras and carefully evaluate them, you can consider which ones you should drop to make your policy cheaper.

To be sure you are getting all the discounts you’re eligible for and, therefore, save money, ask your insurance company which discounts they offer. You can make a list of all the discounts they offer, then go through this list carefully and check off each one you are eligible for. You might be surprised at how much you can save by claiming discounts.

Even though you might see it as a sign of being a good friend to someone, do not allow anyone else to drive your car that is not on your policy. If they get into an accident, you will be forced to pay a hefty deductible and it will negatively affect your record. The only exception, is if their insurance fully covers them and your car while they are driving it.

Get your insurance quote before you buy a vehicle. This way, you will know in advance how much everything will cost altogether. Find out if buying a slightly different car will change your rates. Every little bit helps, and if you can walk away with a car that has lower rates, you would want to do so.

When shopping for a new car, be sure to check with your insurance company for any unexpected rate changes. You may be surprised at how cheap or expensive some cars may be due to unforeseen criteria. Certain safety features may bring the cost of one car down, while certain other cars with safety risks may bring the cost up.

If your goal is to lower the cost of your car insurance premium, remember that insurance companies often charge more to insure cars that are flashier or that cost more to repair. Having a low-profile vehicle,that is unlikely to get stolen, can often dramatically lower your rates.

A simple way to make sure you are getting all of the auto insurance discounts you are entitled to is to ask you insurance company for a list of every discount they offer. You can work your way through this complete list to find every possible discount that may apply to your situation.

As previously summarized, there are many insurance options to choose from. Some are mandatory and some are simply additional useful coverages. This article can help you define the different coverage options and their costs and whether they are of value to you. By understanding this information, you can get the coverage you need.

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Carpet Cleaning

Many Great Tips In The Below Article About Carpet Cleaning

TIP! Investigate a carpet cleaner’s reputation prior to hiring them. There are many companies to choose from, and some are better than others.

You may want to know the best process for hiring a great carpet cleaning company. It is not always easy to research every detail when you are not fully sure about the process entails. The following tips will help you choose the right service.

TIP! Before you select a carpet cleaning company, do some comparison shopping. Research each company online and find customer reviews.

Never just hire the first company you happen to come across. Research each company online and find customer reviews. Check with the BBB or the Chamber of Commerce to make sure you don’t end up with a company that has a poor reputation.

TIP! If you are considering the use of a professional cleaning service, be sure that this business has an actual physical location. Being able to go into an actual business can sometimes help you to have your issues addressed and resolved much quicker.

Check customer reviews of local cleaning companies. Look for reviews and recommendations that indicate whether the company is able to meet your needs and provide the best services. Checking online reviews is a great way to see how reputable a company really is.

TIP! If the stain on your carpet is very difficult, you should probably hire a professional. Professional cleaners have quality equipment and products they can use to get rid of tough stains such as red wine, wax or blood.

Remove your valuables from any room where the carpeting is about to be professionally cleaned. You want to be careful about trusting another in your home regardless of how many assurances this person offers.

TIP! If you have a pet, then you are going to need more frequent carpet cleanings. If you spent money on some expensive carpet, try keeping your pet out of your living room or use rugs to protect your carpet.

Have a carpet cleaning company clean any new carpets in your home immediately. Some carpets possess chemicals to help preserve their quality. By having a professional clean new carpets as soon as you get them, you can ensure your loved ones’ exposure to these chemicals are minimized.

TIP! Ask the cleaning company if they do background checks on their employees. Criminals should not be allowed in your home.

For a quick clean-up, apply some white vinegar directly on a stain on your carpet. However, a professional will know the most effective way to clean your carpeting. This will help remove the surface dirt before the professional cleaners arrive.

Carpet Cleaning

TIP! Up-selling is common with carpet cleaning businesses. This means they offer an incredibly low price to obtain the job, but they’ll upsell other services that many think are standard.

Now you’re better equipped to hire a great carpet cleaning service. Keep these tips in mind to be sure you hire the best company to care for the carpets in your home. You won’t have any worries about carpet cleaning and your loved ones will be grateful, as well.

Categories
Auto Repair

Power Steering Pump Failure…or is it the Steering Rack?

Power Steering Pump Failure…or is it the Steering Rack?

Has your car’s power steering suddenly quit working? If so, it could be that your power steering pump has failed. The unit itself may be shot or it could be a loss of steering fluid through a bad hose that is causing the problem. Regardless, you better tend to the problem now or you will soon be struggling with steering a car that seems to be working against you, not with you.

Before pump failure becomes obvious, you will usually hear buzzing or whining noises coming from underneath the hood. On the other hand, if you notice a gradual loss of power as evidenced by an increasingly difficult time moving the steering wheel [as when attempting to parallel park] or if you notice the problem when you first start up your car in the morning, then your steering rack may be going.

Steering racks fail gradually, but when they do you must take action before total failure occurs. Otherwise, control of your car becomes impossible and failure could then happen at any time, as in those times you are on the interstate. A real threat to your safety and to the safety of other drivers!

To find out if it is the steering rack causing the problem, check the power steering fluid closely to see if you notice small metallic pieces of metal floating around in it. If you do, then your steering rack is wearing out and the metallic pieces are the evidence that the rack is coming apart piece by piece.

Either way you slice it, you can expect that a major repair bill is looming for you. Not the news you want to hear, but not the news you have to hear either. Yes, taking your car in to your local garage or to your dealer’s repair department will cost you dearly. You will pay a mint for labor and pay a premium for a replacement steering pump or steering rack. High labor costs and huge replacement parts price mark ups are all part of the equation.

Fortunately, if you are even somewhat handy you can do either job yourself. Many weekend mechanics love grabbing a hold of their Haynes repair manual and with the replacement part at their side, go after the job. Of course, where you buy the replacement part can really matter, but strong savings can be gained if you shop online. Yes, auto parts wholesalers such as the Steering Rack Pros have what you want and at deep, discount prices. Reputable online wholesalers buy directly from the manufacturers and pass on big savings to you. No dealer mark ups, no third party charges. Just every day low prices on the parts you want and need.

So, go ahead and replace your power steering pump or steering rack today and save big on labor costs and replacement parts. There isn’t much better in life than to do a job yourself and gain a strong sense of satisfaction when you know you have successfully overcome a challenge and saved a bundle of money in the process.

Categories
Carpet Cleaning

Tips For Making Sure Your Carpets Stay Clean

TIP! Investigate the customer reviews for each carpet cleaning company available in your area. Some older companies may not provide the expected level of service.

The way your carpet looks is an investment in your home. It is important to vacuum your carpet regularly and clean stains thoroughly, but you will eventually need the help of a professional. This is when you need to go searching for a carpet cleaning company. A good cleaner can make your carpets look wonderful again. Keep reading to learn more about what to look for when selecting a great carpet cleaning company.

TIP! Even the carpet cleaning company will include the move of your furnishings free of charge, you should handle the fragile items yourself. You should not entrust your fragile pieces with someone else; accidents do happen.

You must take the time to make sure any carpet cleaning company you’re interested in working with is trustworthy before you do business with them. Check out their reviews and do some research. Check with the Chamber of Commerce or Better Business Bureau to help you avoid getting involved with a business that has a bad reputation.

TIP! You need to have confidence in the carpet cleaners you decide to hire. You should be satisfied with all parts of the process, from the first meeting, to the end of the job.

Don’t allow a company to use too much heat when cleaning your carpets. Heat is very destructive to carpet quality, particularly when delicate materials or elaborate patterns are involved. This is even more crucial if you are attempting to get rid of stains that could cause permanent damage.

TIP! Ask the carpet cleaner for product recommendations after cleaning. Many will tell you how often you must vacuum, the drying times, the best stain removers, and other options for future issues.

If you are considering the use of a professional cleaning service, be sure that this business has an actual physical location. That way, you can always find them if you have problems with their work. If their business address is a P.O. box, then you may need to look for a different company.

TIP! Before a carpet-cleaning company uses industrial carpet cleaners, you should ensure they are aware of how to actually use it properly. The instructions may tell which material to use it on, discuss room ventilation and explain how to safely remove any chemical you accidentally come in contact with.

Thoroughly vacuum every area of your carpet. The longer you vacuum is just more dirt you get out. By taking care of your carpet, it will save you money as well as require less effort in the future. The small amount of time you need to invest will be well worth the results.

Carpet Cleaning

TIP! Don’t use any other products on it before they arrive. Most commercial carpet deodorizers are nothing but baking soda and fragrance.

A good carpet cleaning service can clean your carpet in a way that you cannot. This kind of expertise is needed to make your carpet look good. Avoid cleaning services that promise more than they deliver. Follow these tips to get the best value for your carpet cleaning dollar.

Categories
Auto Repair

Great Tips On How To Repair Your Credit 3

Great Tips On How To Repair Your Credit

Having good credit starts and ends with you. You have to make sure that your credit report is accurate, and that you are doing everything you can to pay your obligations on time and not take out more credit than you need. This article will show you how to get the credit rating you want.

To help with credit repair the first step you should take is to get rid of your credit cards. Only keep 1 for emergency, business, or travel purposes. If you are in a hole with credit card debt, the last thing you want is to put yourself deeper into debt.

Learn how to recognize credit repair scams out there. These scams will cost you up-front and in the long run as the criminal activity that is committed falls back onto you. At the same time, you still have debts to repay, which could increase in the process of learning you have been scammed and doing something about it.

On a yearly basis, review your credit report for items that could mean your identity has been stolen. If you see inquiries that you did not authorize or accounts opened that you do not recall, start taking action immediately to secure your identity and put a hold on your credit.

Protect yourself in a short sale. After a short sale, the mortgage lender often will report to credit bureaus that the home loan was settled for less than the full amount. In addition, it can also note the amount of the deficit as “balance owed” on the credit report, even though the obligation has been finalized and no additional money is owed.

If you find anything on your credit report that you think is not correct you need to take the necessary steps to dispute the information. It would be a big mistake to leave it alone because the problem is not going to solve itself and it is something that reflects badly on you.

One of the main reasons why people have poor credit is they do not pay their bills on time. What you should do is talk to your bank and set up automatic and recurring payments for your bills. As long as you have money in your account, you won’t have to worry about not paying on time.

A great way to improve your credit is to build assets and capital. Whether it is a home or car, paying your auto loans or mortgages on time is an excellent way to rebuild your credit. It is a great way to build financial stability. Also saving your money allows you to pay for any unexpected costs when they arise rather than putting them on credit cards.

Think of your credit score as your financial reputation. Word gets around quickly, and if it is a negative one, it can be hard to recover from. Keeping your credit good from the beginning is best, but if you have had some setbacks, this article has shown you that you can clean up your financial reputation and get back on track.

Categories
Carpet Cleaning

Get Your Carpets Looking Good As New

TIP! When you need to vacuum a carpet, divide it up into various sections so that it’s easier to handle. To help you get the job done efficiently vacuum a section at a time.

Your carpets work full time. Carpet must bear the brunt of muddy feet, family pets and everything else. This is why you need to get your carpets professionally cleaned on a regular basis. However, what should you look for, or how should you interact with them? The following article will teach you what you need to know.

TIP! Be sure and compare several cleaning services to each other prior to selecting one. Look online and pay attention to customer reviews.

Make sure you’re not doing anything to cancel your warranty when cleaning your carpet. Sometimes, application of a new stain treatment can void a warranty you might have. This can actually result in your carpet becoming damaged.

Carpet Cleaning

TIP! Remember that certain chemicals can be harmful, so ask about these. Read the ingredients of your cleaning products, and do not overlook environmentally friendly cleaning methods, like using salt, baking soda and vinegar, or putting your carpet through a rinse to eliminate chemicals.

After your carpet has been cleaned, ask the carpet cleaning pros for any tips they may provide to help you keep it nice. Carpet cleaning services are able to give you great advice on maintaining your carpets. This will keep your carpet looking good for a much longer time.

TIP! Request a carpet-cleaning company to use white vinegar for quickly eliminating carpet stains. Since this does not sanitize your carpet, it is best to hire a carpet cleaning company to do the job.

If you have difficult carpet stains, you might need to think about getting a pro. Professionals use cleaning products and methods to remove difficult stains, such as blood and red wine. This is done in a meticulous way to preserve the integrity of your carpet.

TIP! Save money on carpet deodorizer by using plain baking soda. Most carpet deodorizers contain baking soda with fragrance.

Shampoo your carpet with some warm water and some vinegar. You get excellent results and save a lot of money. Just create an equal mixture, pour and scrub using a sponge. Once this is done, the professional should thoroughly rinse with warm water. They should use a fan for drying your carpet.

TIP! Pets can wreak havoc on your carpets. You may want to restrict your pet’s access to some carpeted rooms or lay rugs over areas that pets tend to frequent.

Contact the chamber of commerce for a list of businesses. They know the local companies and if there are complaints against it. This will ensure you only hire a great company.

TIP! Take plants out of your home before cleaning time. Carpet cleaning products might be poisonous to your plants, so this is a good precaution.

Carpets have a hard life, considering the service they provide. They are used every single day. Carpets should be treated to a thorough cleaning. The information included here should help you find a carpet cleaner that you feel good about.