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Auto Repair

Get Ready for Summer Driving

Get Ready for Summer Driving

The busy summer driving season is coming. Will your vehicle be ready?

The experts at the nonprofit National Institute for Automotive Service Excellence (ASE) offer the following tips on getting your vehicle ready.

* Read the owner’s manual and follow the recommended service schedules.

* If you are not a do-it-yourselfer, look for an orderly repair facility with modern equipment in the service bays. Also, look for evidence of qualified automotive technicians, such as trade-school diplomas, certificates of advanced course work and training, as well as national certification of the individual technicians by ASE.

* Flush and refill the cooling system according to the service manual’s recommendations. The level, condition and concentration of the coolant should be checked periodically. Make sure the engine has cooled down before removing the radiator cap.

* Have engine performance problems — hard starts, rough idling, stalling — corrected. You’ll get better gasoline mileage and could prevent more expensive repairs.

* Have a qualified auto technician check the tightness and condition of belts, clamps and hoses. You should stay on the lookout for signs of wear, cracking or fraying.

* Likewise, have a faulty air-conditioner system serviced by a technician qualified to handle refrigerants. Older units often contain ozone-depleting chemicals that could be released into the air through improper or incompetent service.

* Change the oil and oil filter as specified in the owner’s manual. This simple service alone can increase the life of your vehicle. Replace other filters as recommended in the service manual.

* Check the condition of tires, including the spare. Let the tires “cool down” before checking their pressure. Uneven wear, “cupping,” vibrations or pulling to one side indicate problems with your tires or suspension system.

* Don’t neglect your transmission. Costly repairs can be prevented by routine service.

* Inspect all lights and bulbs; replace burned-out bulbs.

* Replace worn wiper blades and keep plenty of washer solvent on hand to fight summer’s dust and insects.

ASE was founded in 1972 to improve the quality of automotive service and repair through the voluntary testing and certification of automotive technicians. ASE-certified technicians wear blue-and-white ASE shoulder insignia and carry credentials listing their exact areas of certification. Their employers often display the ASE sign.

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Auto Repair

Used Car Loan

Used Car Loan

When it comes to a used car loan, there are quite a number of concerns. You may asked yourself,”How can I sell my used car to a private party if I don’t have title?” or “How do you finance a car from a private person?” as well as many other questions.

Many people ask how they could have a used car financed? When applying online, it will only take minutes. After you receive an emailed check from the online loan company, you can choose to buy a used car from a private owner with very little hassel.

Some companies offer used car loans for buying from car dealers as well. You can apply online and you can get approved in an hour.

Here are some useful tip when surfing the net for a used car loan:

1. To qualify for a used car loan, make sure to keep your credit score to at least 680. People with bad credit pay higher car loan interest rates. A used car loan wouldn’t be any different. Get hold of your credit report online. Never apply for a car loan , much less for a used car loan, unless you get your credit report with credit score first. Depending on other factors, a high quality lender like some finance companies or banks do, can approve used car loans for people with scores as low as 540.

2. Never pay cash for a deposit on a car – even if it’s a used car loan you’re relying on to pay for it or finance it. You can dispute purchases made with your credit cards. But without proof of the transaction, you can be taken advantaged of by swindlers.

3. Shop for auto insurance costs for your used car along with your used car loan. Before you shop armed with a used car loan, get auto insurance quotes to find out how much it will cost to insure it. Auto insurance sites give free online car insurance quotes.

4. Get an extended warranty for your used car. Unless you have an extended warranty, you are exposed to potentially large losses, which would be huge drawbacks on your used car loan.

Before deciding on a used car loan, better ask yourself these questions:

What are the drawbacks of a used car?
What are the benefits of a used car?

Think twice: A used car could have a listed maintenance and repair history.

Used car warranties often are available at extra cost.

The maintenance costs get higher as the miles on the vehicle climb toward 100,000.

There are not as many safety and convenience features as newer vehicles have.

A used car, however, will be significantly cheaper to buy than going with a new model. It has comprehensive and theft insurance and costs are likely to be less.

After weighing the pros and cons, you can decide if a used car loan is for you.

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Auto Repair

Do you have sleep insurance?

Do you have sleep insurance?

Sleep insurance is not a policy you can take out on your slumber. It’s not an insurance policy sold to insomniacs. Rather, it’s something that lets you sleep at night.
Without it, you’ll lose sleep worrying about it.
Here’s what we mean: While you’re driving to work, count the number of auto repair shops. There’s a lot, aren’t there? There are! After all, we live in a world that relies heavily on our car. Now think about how they stay in business: from cars breaking down. That’s a lot of cars breaking down.
Now think about this: what will you do when your car breaks down? (Yes, you’ll bring it to the garage… then what?) Will you be able to afford the repairs when you get the bill? When your car’s in the shop, will you be able to sleep at night or will you lay awake, worrying about the price? That’s what we mean by sleep insurance.
Sleep insurance is a warranty on your car.
You car is your lifeline. You need it to live. Everyone does! Do you drive to and from work? Do you use your car to go where the party is? Do you drive your kids to school or soccer practice? Whatever you do in your busy life, you rely on your car to get your there. What would happen if you didn’t have a car?
Owning a car can be a challenge! An auto warranty is one way to have peace of mind if you own a car. It allows you to add a guarantee to your vehicle. After all, that vehicle is your lifeline.
The city bus is crowded. Cycling isn’t an option in your business attire. Who walks anywhere? You need your car to live. Like air and food, our cars help us survive: they get us to work so we can afford a roof over our head and food on the table.
An auto warranty is exactly the thing you need to keep your wheels rolling and your life on track. Without it, you could be faced with the prospect of a broken down vehicle and a difficult spiral to get out of: No car… no work. No work… not enough money to fix your car. No money to fix your car… No car.
That’s no way to live.
You need peace of mind. You need to be able to sleep at night. You need to have the assurance that when you go out to work the next day, your car will start. And if it doesn’t start, you need the peace of mind that the repairs will be affordable and get you “up and running” really soon.
If you don’t have one, how will you afford the next breakdown? How will you sleep when your car is in the shop?

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Auto Repair

SUV Owners Pay More for Insurance

SUV Owners Pay More for Insurance

Hortencia Privett is like thousands of other owners of Sports Utility Vehicles (SUVs). Privett admits that she loves what she drives, a silver 2002 Jeep Liberty, but insurance experts caution that she and other SUV owners have to pay considerably more for insurance than those tooling around town in smaller cars.
The cost to insure an SUV is generally 10 to 20 percent more than a car, depending of course on a driver’s location, claims experience, credit history and other factors, confirms Loretta L. Worters, vice president of communications for the Insurance Information Institute, in New York. “Yes auto rates for SUVs are generally higher than for automobiles,” says Worters. “Rates of course correlate to risk — and there are a lot of risk factors with SUVs. Not so much what affects them, but what they do to other vehicles.”
Cutting to specifics, Worters pointed out that an SUV’s “potential for liability and medical payments coverage losses is a real concern to the industry. Pedestrians hit by SUVs have a 300 percent higher risk of serious injury than if they were struck by a passenger car. There’s also greater injury in cars that are hit by SUVs than it would be with another car.”
Privett acknowledges that she has to pay more for coverage, but that’s okay with her under the circumstances. “I feel safer in my SUV,” explains Privett, an office secretary in Illinois. “I’ve had an SUV for three years, and I wouldn’t go back. Even though I have to pay more for insurance, it’s worth the added cost to me.”
Privett’s SUV sentiments are hardly unique. It’s been reported that SUVs accounted for upwards of 24 percent of all new-vehicle sales in the United States for 2003 and, with well over 20 million on the road today, SUVs represent almost 12 percent of all registered vehicles in the U.S.
The safety reputation of an SUV or other vehicle type certainly has a bearing on insurance costs. On the subject of SUV safety, a spokesman for the Insurance Institute for Highway Safety (IIHS) brings up what he considers to be a misconception about SUVs.
“The misconception is that many people think that SUVs are safer than cars, and they’re not,” says IIHS’s Russ Rader. “Vehicle crash statistics that we compile each year show that pound for pound, if you’re comparing vehicles of a similar weight, SUVs tend to be less safe than cars.”
Rader says that cost of repair is a big issue from an insurance standpoint. “SUVs can be costly to repair in minor crashes, because they don’t have to meet the federal government’s standards set for bumpers on cars in terms of withstanding crashes in commuter traffic or parking lots,” explains Rader.
Says Rader: “Most SUVs aren’t built like cars and don’t drive like them. Yes, they’re higher and you can see the road ahead better, but that height also gives them a higher center of gravity, which makes them less balanced than sedans — and more likely to flip.”
Insurance trade organization officer Dan Kummer focuses on high liability claims costs involving large SUVs in vehicular accidents. “If you have a large SUV and you hit a mid-sized or smaller vehicle, you are likely to pay higher liability costs when your policy comes up for renewal,” says Kummer, director of personal lines for the Property Casualty Insurers Association of America, in Des Plaines, Ill.
For more information about auto insurance please go to: Insurance.com

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Auto Repair

Tricks On How To Fix Your Ruined Credit (2)

Tricks On How To Fix Your Ruined Credit

Repairing the damage that has been done to your credit rating is not as difficult as it once was. There are many tools and resources available to help you with the process these days. The following advice will help enlighten you to the prospect of having a credit score of which to be proud.

Knowing how individual agencies report to bureaus will greatly improve your repair efforts. Different creditors may report problems based on certain criteria and use different time frames for reporting. Research the standards for credit cards, utilities and mortgage or rental companies to know when and how these issues are reported.

A great tip for people who are looking to repair their credit is to make sure you give yourself enough time. Your credit score will not go up overnight. It takes time to build a solid credit history of on time payments. Do not get discouraged if you do not see improvements right away.

Many people don’t realize that moving around a lot can also lower your credit score. Creditors will see you as unreliable and un-rooted if you change your address more than once every couple of years. If you are the type who can’t help but move often, consider getting a P.O. Box or other steady mail location where you can have all your bills and credit cards sent. This will reduce the risk that these companies realize you have moved.

Look into getting a secured credit card. A secured card works like a credit card for buying purchases, but you need to deposit the funds for use into the account. Before you choose which secured card to use, make sure that the company reports to the credit agencies, so that your use will reflect positively on your credit rating. Also, watch out for card issuers who charge high fees or security deposits.

To build your credit score, apply for secure credit cards. You decide in advance how much these cards will cover, so that you do not spend more than you can afford to pay back. This should help you manage your finances efficiently and build your credit at the same time.

To improve your credit rating going forward, pay attention to the quality of your creditors. This doesn’t impact your credit as much as other factors, but having credit accounts with banks and auto manufacturers is better for your credit score than having credit accounts with general lenders like finance companies. You can often identify a general lender by the fact that it has “Finance” or “Banc” in its name.

Whatever you do, try not to file for bankruptcy. Credit repair is much more difficult after you have filed, so make every attempt to consolidate your debt and pay off as much as you can before you take this step. People think it’s a credit cure-all, but it ends up being a huge black mark on your record instead.

Now that you are aware of how simple it can be to repair your credit standings, you can benefit by using the advice and getting to work on doing the necessary repairs. Work at improving and sustaining a positive score so you have more opportunities available to you throughout your life.

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Auto Repair

Why Not Buy Mexican Auto Insurance In Mexico?

Why Not Buy Mexican Auto Insurance In Mexico?

It’s a bad idea for US and Canadian tourists to wait to buy Mexican Auto Insurance at the border or inside Mexico. Most people plan their vacation, then forget all about insurance until they cross the border… then they proceed to buy insurance at the nearest seller. This is the equivalent of buying your groceries at a convenience store: no matter how well you shop, you’re going to pay too much, and your options will be limited, too. You don’t even have the option of researching those insurers that vend at the border, and who knows how strong their grasp of the English language is going to be. It’s better to buy it before you leave.

How much time is it going to take to purchase a policy at the border? What extra fees will they add? Is it a PAPER policy? Is it printed in -2 font? There might be a reason. What are the options? Why not purchase a policy before you go to Mexico, in the comfort of your home? It costs less. You need a policy with an English or a Spanish translation. You also need ID cards and accident instructions.

What will you do if you can’t find an insurance booth as you cross or find that your favorite booth is closed or having equipment failure problems? What about Legal? Do they make you pay for the bond? What about emergency medical assistance? Is that included? Are they hawking Split limits or Combined Single Limits? Does it matter? Yes, depending on the amount of the limit you purchase?

Are you getting an electronic policy or a bare bones paper generated policy?

Does the insurance company you are purchasing from have a good or bad reputation for paying claims?

Does the policy say that’s it’s OK to repair your car in the United States, & then restrict the Labor Rate to rates commonly found in Mexico such as $10.00 or $15.00 dollars an hour. Who pays if difference if the labor rate in the US is $65.00 per hour?

TIP: Most likely you will.

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Auto Repair

Have Questions On Auto Insurance? Check Out These Top Tips!

Have Questions On Auto Insurance? Check Out These Top Tips!

Auto insurance seems like it should be easy, given the constant bombardment of commercials and ads screaming free quotes and instant proof of insurance. Yet, if you’ve ever really looked at your policy or had to deal with an auto insurance company, you know it’s anything but simple. Read on to learn a few tricks that can make this area of your life easier.

If you plan on buying a new car but want to keep your insurance rates low, buy a cheaper car. The more expensive a car is to repair, the more money your insurer will require from you. You will save money both in buying a lower priced car and in insuring it, keeping it safely in your pocket.

Finding a good auto insurance policy is much easier than it used to be. There are so many great online references to use to learn about the different kinds of coverages that are required in your state. You can then use the internet to compare multiple companies’ rates on the type of coverage that you need.

Before you buy a policy from an insurance agency, search the Better Business Bureau’s website to track their customer satisfaction rating. If you find that they are not up to par with other companies’ standards this will give you valuable information and help you decide if they are the right company for you.

Pay a yearly sum for your automobile insurance. Some companies charge a little more to put their customers on a monthly billing plan. If you are able to pay off the bill in one lump sum for the year, you could save some money and you will have one less bill to worry about.

Since your car insurance premium is based on your past credit history and ratings, be sure you pay all your bills on time. This will keep your credit in good shape and ensure you are receiving the lowest insurance rates, because they are based on your credit report and history.

Gather as much data as possible when you are involved in a car accident. Include vehicle information about the other cars involved such as year, make and model. Try to capture any passenger or witness information as well. If a police report is filed, it often includes this information but if not, take a moment to write it down yourself.

If you have a consistently favorable driving record and are not currently strapped for cash, contact your insurance provider to determine whether you can lower your monthly rates by agreeing to increase your deductible. Most drivers never actually end up filing claims with their insurer, which essentially makes the cost of the deductible irrelevant.

Better your eye focus while you are driving. Let your vision focus on something far away, such as an oncoming car, and then quickly look at your speedometer. Continue doing this as the car approaches, and every time you drive. You will eventually find that your eyes are focusing much faster than before!

Car insurance can be extremely complex. Hopefully after reading these tips through, you feel a little more clear and confident about how to handle such matters. Keep what you read in mind in order to save your stress, time, property, and money in future car insurance dealings.

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Auto Repair

Tips To Get Good Car Insurance (2)

Tips To Get Good Car Insurance

With so many different automobile choices and so many insurance companies to choose from, things can get confusing in a hurry if you don’t know how to navigate through your insurance options. Check out this article and learn some great tips you can use on auto insurance to save money.

Take a close look at your auto policy and take off any “extras” that you won’t use. For example, you might have emergency roadside assistance included in your plan. If you don’t think you are going to use this, drop it in order to decrease the amount you are spending on your insurance. Your agent can help you figure out what else might apply.

Pay your insurance in full when it is due rather than paying it in monthly installments. Your insurance company may charge you more if you choose to pay monthly because of the convenience of it. If you have to, take out a small loan to avoid paying fees to the insurance company.

When you are looking into car insurance you need to think about things like what kind of vehicle that you have. If you like the small, sporty cars your premium is going to be higher than if you had something like a truck. That’s because prices are based somewhat on what you paid for the vehicle but also how much it would cost to repair the vehicle. They even look at if it’s the type of vehicle that gets stolen a lot.

People looking to save money on auto insurance should remember that the fewer miles they drive, the more insurance agents like it, because your risk goes down. So if you work from home, make sure to let your agent know. There is a good chance you will see the impact on your rate in the next billing cycle.

Not many people know that taking a driver’s ed course can save them on their insurance. This is usually because most people who take driver’s ed do so out of a court mandate. Often times however, even someone who has not been mandated to take driver’s ed can take it, call their insurance company with the certification, and receive a discount on their policy.

Be aware of your annual mileage when speaking with an agent. You’ll be amazed at how much of a difference there is between a person who rarely drives as to someone who commutes daily over long distances. So before you go speak with a representative, make sure you have an estimate of how much you drive per year.

Before choosing your next car, make sure you understand what it will do to your insurance policy. We all know that some cars will have a higher premium than others, but most people don’t really know which ones are which. Ask your insurance company for recommendations of cars that are lower risk and thus, have a lower insurance premium attached.

It’s all about finding the best deal for the best price when purchasing auto insurance. Be sure that you’re not getting sucked into any insurance traps out there. Use the information you just learned in this article to help guide you in your decision, and always get the best possible policy.

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Auto Repair

How To Successfully Repair Your Credit Rating

How To Successfully Repair Your Credit Rating

Even the most careful person in the world can easily find themselves in a situation where their credit score is plummeting. Where’s the bottom at? You really don’t want to know. Instead of focusing on the negative, let’s focus on some useful ways you can begin to work to improve your credit rating.

Once you have your bills sorted out and are paying them off, it’s time for you to start reapplying for loans or credit cards. As long as you make all payments on time, these will help you get your credit score back up. However, make sure not to overuse them and get back into trouble.

An important tip to consider when working to repair your credit is to pay your bills on time. This is one of the most important steps for maintaining good credit and preventing your score from dropping. Bad marks for past due accounts will stay on your account for five to seven years.

An important tip to consider when working to repair your credit is the benefit it will have with your insurance. This is important because you could potentially save a lot more money on your auto, life, and home insurance. Normally, your insurance rates are based at least partially off of your credit score.

Hiring a lawyer who specializes in credit repair is often a better alternative to credit counseling services. While lawyers are invariably more expensive they are also more trustworthy. A credit lawyer is committed to putting his client’s interests first, ahead of the lenders. When credit problems are serious and the debtor has the money to hire one, a credit lawyer can be the best option.

It is important to have two major credit card accounts open and reflected on your credit report. These accounts should also have all the available credit still on the cards. Having two major credit cards shows relationships with Credit-card companies, and therefore, without these relationships or with more than two, you are viewed as a credit risk.

There usually isn’t a way to get around negative items on your credit report unless you contact the creditor directly. There are many companies that claim they have the ability to do this but really they just contact the creditor and if they don’t hear back from them the debt is removed. Once the creditor reports to the credit agency, the negative item will show on your report again.

Give your cards a bit of diversity. Have a credit account from three different umbrella companies. For example, having a Visa, MasterCard and Discover, is great. Having three different MasterCard’s is not as good. These companies all report to credit bureaus differently and have different lending practices, so lenders want to see a variety when looking at your report.

Knowing how to fix your credit score is only half the battle, though. Now that you’ve read this article and are privy to some new and helpful ways you can improve your plight, it’s all about putting this information into action in order to improve your credit rating. Just remember that anything’s possible with the right information.

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Auto Repair

Six Steps To Get A Good Deal On Your Next Auto Loan

Six Steps To Get A Good Deal On Your Next Auto Loan

It really is not all that hard to get a good deal on a car. Part of the trick, however, is to be informed about the process and the terms that may be thrown at you as part of the deal. The more informed you are – the better prepared you will be to get that really good deal. Here are six steps for you to follow to be able to drive away with an auto loan of your choice.

1. Check Your Credit Score

This definitely needs to be your first step. Because your interest rate and credit limits are both tied to your credit score, you need to make sure it is in good repair when you apply for your auto loan. Mistakes can be entered on your credit report that effect what you might get, so get a copy and look it over. Correct any mistakes that you find, and then you will need to wait between 4 to 6 weeks to make sure they have been entered and corrected.

2. Search For Quotes Online

After that time period (if there were mistakes), you want to go ahead and do an online search to get quotes for car loan deals. You want to get preapproved for a loan so that you know exactly how much you actually can get. Look over the interest rates and the time period you have to pay back the loan. Also, check other factors that enter into the loan, too, such as lender fees.

If you apply for a number of online quotes within a short period (about 14 days), it will not hurt your credit score. By doing it this way, it will be counted as one loan inquiry.

3. Get Preapproved

Once you find a lender or two that have good quotes, you can go ahead and apply for an auto loan from them. This will enable you to be preapproved, and they will send you a blank check that will expire in so many days. This gives you the time you need to find the car you want.

Preapproval allows you to have more power with the dealer since it is just like having cash. You will be able to get better prices and have more bargaining power.

4. Choose A Car

Once you know the credit limit, select your car within that price range. Start looking on the Internet to learn more about it.

5. Research The Car

Find out all about the car that you can. This means you should know its cost, its retail price, and the various options that the car has. This information will help you when you go to negotiate with the dealer. Be sure to look around the Internet to see what that car is actually selling for. Sometimes individuals may be able to beat the dealer’s price – but one of these will usually not come with a warranty.

6. Negotiate And Buy Your Car

Go to the dealership and begin to talk some serious terms about the car you want. If you are not good at negotiating – take a friend along who can help. After coming to terms on the price you want – sign the agreement and drive away with a good deal.