Tag: Auto Repair

How to Get Better Fuel Economy

Poor fuel economy can put a costly damper on any summer vacation taken in the family vehicle. But there are a few simple things you can do to enhance your fuel economy no matter what type of vehicle you drive, which means you’ll buy less gas and have more money to enjoy the summer.

Let’s go through a few ideas that are proven to improve your fuel economy.

Get the junk out of the trunk. I own an auto-repair facility, and you’d be amazed at the amount of stuff I find in trunks of cars these days. I’ve seen junk in the trunk of cars equivalent to a full-size man. Why haul the dead weight? Remove unnecessary winter supplies such as bags of salt and tire chains from the trunk of your vehicle. Get that bag of old newspapers to the recycling bin. Your vehicle will require less energy to move without the dead weight. So ask yourself if you really need to be transporting around that card table, set of golf clubs or storage container, and unload any unnecessary items from your trunk.

Keep air in your tires. Remember what it was like riding your bike as a child with half-flat tires? It was hard to get the bike moving. Once you inflated the tires, your bike was like a new sports car; it went faster with far less effort. Your car feels the same pain when the tires are at, say, 28 psi instead of the recommended 35 psi. (Just to be clear: Not every tire should be inflated to 35 psi. Look for the recommended psi rating on a label on your driver’s door or in the glove box.)

Use the right motor oil for your vehicle. I can’t overstate the importance of using good motor oil. To illustrate what I mean, try a little exercise. Take your hands and place them together with palms touching. Then rub the palms against each other quickly. Feel that warmth generated by friction? That’s exactly what is happening inside your engine. If you rubbed your hands together like that for an hour, you’d probably do some damage to your hands (which means you can stop rubbing your palms together now). And you’d also have to work much harder to rub your hands together.

Now you know why motor oil is so important to the efficient performance of your engine. If you put motor oil between those two sliding surfaces, a lot of that friction goes away, and the engine doesn’t have to work as hard. As a result, your engine is more fuel efficient.

But not every motor oil is created equal. Some last longer than others. While certain motor oils may lose their effectiveness after a few thousand miles, others are designed to last for a very long time. ExxonMobil makes an oil, Mobil 1 Extended Performance, that is actually guaranteed to protect and perform for up to 15,000 miles.

Keep your vehicle clean. Believe it or not, that layer of dirt on your exterior creates drag that, over long distances, hurts your miles-per-gallon count. Keeping your vehicle washed and waxed will improve your vehicle’s aerodynamics, improving your fuel economy. And you’ll feel good about driving around in a clean vehicle.

Consider the best option for ventilation. Conventional wisdom says that cars are always more fuel-efficient when the air conditioner is off. On long trips or highway driving, however, using the air conditioner is actually more fuel efficient than rolling down the windows. When driving fast, open windows create a drag that forces the engine to work harder to maintain speed. If you’re driving on short trips or in city traffic, roll down the windows and enjoy the breeze, but on the highway, turn on the air.

Birth Control 101

We now live in a world where sex is as normal as going out to the movies. Even teenagers as young as fifteen years old are aware of the concept of premarital sex. And chances are, a lot of adolescents aged 15 to 19 are already sexually active. It is because we take sex so lightly that the rate of accidental pregnancies are going higher and higher up the charts.

While we’re on the subject of being permissive enough to ignore teenage sex, think about this: Do these teenagers know what contraceptives are? Do they know which ones to use and how to properly use it? This article will help children understand birth control more.

What is contraception and how does birth control work?
Birth control is a set of actions, devices, medications used for the sole purpose of preventing conception or pregnancy. It works in three ways:
1. It prevents the monthly release of an egg cell (ovum) from the ovaries during menstruation.
2. It thickens the cervical mucus lining so that sperm cells would not be able to swim and join with an ovum.
3. It changes lining of the uterus to make implantation of a fertilized egg difficult.

What are the different birth control types available?
There are natural methods of birth control. These do not require the aid of any device of medication. The natural method of contraception includes:
1. Abstinence. This requires a person to totally abstain from engaging in sexual activities of any form.
2. Withdrawal. This requires the man to pull his penis out of his partner’s vagina before he reaches his climax and ejaculates.
3. Sexual outercourse. It allows sexual gratification by means of non-penetrative sex. It may be in the form of oral sex or masturbation.
4. Fertility awareness. This method allows for couples to determine a woman’s safe and unsafe periods by means of careful recording of the woman’s basal body temperature, her first and last day of menstruation, and the consistency of her vaginal mucus secretions.

The barrier method of contraception includes:
1. Male condom. It is a latex or polyurethane rubber cylinder worn on the man’s penis to block sperm from going into the partner’s body.
2. Female condom. It is a thin sheath or pouch worn to line the vagina to collect sperm ejaculated by a man during sex.
3. Cervical cap. It is a barrier made out of either latex or silicone which is placed over the cervix to prevent sperm from entering the female reproductive tract.
4. Diaphragm. It works much like the cervical cap.

The hormonal birth control method includes:
1. Oral contraceptive pills. These are pills that contain synthetic versions of the female hormones estrogen and progesterone which aim to normalize a woman’s hormone level to prevent ovulation.
2. Injectables. It is a progestin-only solution that is injected to prevent ovulation for three months.
3. Hormonal patches. It is a thin, 2in by 2 in patch that slowly releases hormones into the body within the span of a week before it is replaced.
4. Birth control implants. It is a thin flexible plastic rod to be inserted under the skin of the upper arm of the woman to slowly release synthetic hormones into the body within the span of a year before it is replaced.

The intra-uterine device (IUD) is a T-shaped rod placed inside the uterus to created a localized inflammation so that the bodies auto-immune system will create white blood cells to repair the infection and in turn kill sperm cells that get within the vicinity of the inflammation.

Choosing the best birth control method to use is a serious matter. Consult your doctor to know more about the different risks and benefits of these contraceptive methods before picking one to use.

Ladies And Gentlemen, Start Your Careers! Automotive Technicians Wanted

It can be a challenge to land a prime spot on a race car pit crew. Yet vehicle dealerships across the country are scrambling to find qualified automotive technicians for their own “pit crews”-even with salaries of $30,000 to $70,000 or more, depending on the market and the technician’s level of training.

The U.S. Bureau of Labor Statistics estimates that the auto industry will need 35,000 new technicians every year through 2010.

Lucrative But Overlooked Careers

With that in mind, an unusual contest is getting into gear with the purpose of increasing awareness about this lucrative and rewarding yet often-overlooked career, and support training opportunities for future technicians. It’s called the No. 29 Goodwrench Expertise Challenge. And it is a challenge. “Historically, being an automotive technician has been depicted as a dirty, dead-end kind of job,” said Peter Lord, executive director, GM Service Operations. “That old stereotype could not be further from the truth. Today’s cars and trucks are very sophisticated-the computer technology in them alone, for example, is nearly 1,000 times more powerful than what took the Apollo mission to the moon.”

“Dealerships need trained, qualified technicians because they know that satisfaction with vehicle service and repair work is closely tied to how customers view their vehicles and the dealership.”

The Challenge benefits automotive technician training like this: If driver Kevin Harvick’s No. 29 car wins two out of 12 selected NASCAR NEXTEL Cup Series races beginning May 28 with the Coca-Cola 600, GM Goodwrench will set up a $200,000 scholarship fund to encourage Automotive Youth Educational Systems (AYES) high school students to continue their automotive technical education by attending GM Automotive Service Educational Program (ASEP) colleges. AYES is a nonprofit business and education partnership that creates automotive technology career opportunities for promising young men and women at automotive dealerships. It was founded in 1995 by former GM Chairman Jack Smith as a way to address the growing need for technicians.

Spreading The Word

“There are thousands of NASCAR fans-and others-who are ideal candidates for a career as an automotive technician,” said Larry Cummings, CEO of AYES. “The Expertise Challenge is a fun and engaging way to help spread the word about these great career opportunities.”

Students enrolled in GM ASEP two-year programs earn while they learn, rotating their time between classes and interning at GM dealerships and other GM service centers. There are 66 GM ASEP participating schools in 38 U.S. states, 15 in Canada and one in the People’s Republic of China. Successful students graduate with an associate’s degree, and either are ready for or have passed their National Institute for Automotive Service Excellence (ASE) certification test. More than 2,000 students are currently enrolled in the program, and there are more than 14,000 graduates.

If Harvick and the team meet the Expertise Challenge by winning two of the 12 select races, GM Goodwrench will award 29 Grand Prizes, which consist of an all-new 2007 Chevy Avalanche, a $1,000 GM vehicle maintenance certificate and a trunk full of Reese’s products.

Program Rules Available

If only one race is won during the promotion, two lucky winners will be awarded an all-new 2007 Chevy Avalanche, a $1,000 GM vehicle maintenance certificate, and a trunk full of Reese’s products. They will also donate $25,000 to the GM Goodwrench Scholarship Fund. If no races are won during the promotion, the promotion will still give away an all-new 2007 Chevy Avalanche, a $1,000 GM vehicle maintenance certificate, and a trunk full of Reese’s products to one lucky winner, and provide a $25,000 donation to the GM Goodwrench Scholarship fund.

Using Equity to Finance Home Repairs

A home equity loan allows you as a homeowner to get a loan by using the equity in your home as your collateral. The equity here consists of whatever funds you have invested in your property in order to own it or improve it. Since it is a debt against your own property, which you are in actual possession of, a home equity loan is a secured debt. The property can be required to be sold if you are unable to pay the money back that you have borrowed.
Home-equity loans typically have fixed rates and give you five to 15 years to repay. Home-equity lines of credit usually have variable rates and a 10-year period during which you make only interest payments, followed by a 10- or 15-year period during which you must pay off the debt.
Why Should I Consider a Home Equity Loan to Pay for Repairs?
Repairs and maintenance are part of the routine costs of owning a home. Such expenses ideally should be paid out of your current income. Some years you’ll spend less, but other years you’ll spend more, and it can be handy to have some cash saved up for bigger repairs. If you don’t have the cash but need to make the repairs to preserve the value or safety of your home, then a home-equity loan or line of credit can be a good alternative. The interest rates on home-equity borrowing tend to be low, and your interest payments may be tax-deductible.
When you’re using home equity for repairs, though, you should try to pay off the loan as quickly as possible. Unlike home improvements, repairs don’t add much value to your home, so it doesn’t make sense to stretch out the repayment.
Tax benefits of home equity loans
A home equity loan is also beneficial because the home equity loan rate charged is usually tax deductible, as the loan is used for its primary functions. You can check on various home equity interest rates with a home equity loan calculator and decide what the best rate is for you. This is not the case with other forms of consumer credit, like credit cards and auto loans.
Do Your Homework
Contact several lenders–and be very careful about dealing with a lender who just appears at your door, calls you, or sends you mail. Ask friends and family for recommendations of lenders. Talk with banks, savings and loans, credit unions, and other lenders. If you choose to use a mortgage broker, remember they arrange loans but most do not lend directly. Compare their offers with those of other direct lenders.
Be wary of home repair contractors that offer to arrange financing. You should still talk with other lenders to make sure you get the best deal. You may want to have the loan proceeds sent directly to you, not the contractor.
Comparison Shop
Comparing loan plans can help you get a better deal. Whether you begin your shopping by reading ads in your local newspapers, searching on the Internet, or looking in the phone book, ask lenders to explain the best loan plans they have for you. Beware of loan terms and conditions that may mean higher costs for you. Negotiate with more than one lender; don’t be afraid to make lenders and brokers compete for your business by letting them know you are shopping for the best deal. Ask each lender to lower the points, fees, or interest rate. And ask each to meet–or beat–the terms of the other lenders.
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Can Your Small Business Afford Not to Have a Web Site?

I’ve been accused of being opinionated by more than one person in my life, but try as I might to work on that part of my personality, it remains pretty much the same. So, in this article, I’m going to discuss my “opinion” on one reason why, even if your target market is strictly local, your small business can’t afford not to have a web site.

A few statistics from Statistics Canada to start us on our way-. In 2003, there were about 12 million households in Canada, and of those 8 million had regular access to the internet from work, home and/or school. Around 60% of the total households had a computer and internet access at home.

Ok, so now we know how many households had access to the internet, but what were they using it for? Almost 90% used the internet for browsing, but more importantly for our discussion- 34% used the internet for purchasing goods and services, and by the way, that’s almost double 1999 figures for purchasing goods and services on the internet.

Industry Canada reports that in 2000, Canadian ecommerce sales were $7.2 billion, a whopping 73% increase over 1999 numbers. And no, it’s not a typo, it really is $7.2 BILLION! I’d say there’s a pattern brewing—internet usage and sales are increasing rapidly.

And, according to Industry Canada, Canada captured only about 4% of global e-commerce in 2000. Now, numbers may not be my strong suit, so feel free to correct me if I’m wrong, but doesn’t that mean there was 180 billion dollars spent globally in ecommerce?

Let’s look for a moment to the United States. www.tamingthebeast.net reports statistics and forecasts collected during December 2001—157million online users forecast to spend $47.8 billion in online retail revenue in 2002. By 2006, the forecast is 210 million users spending $130 billion in retail revenue.

The numbers alone will probably convince many people to invest in a small business web site, particularly if they’re in an industry where their target market isn’t restricted to a purely local one.

But, you say, my business is just a little local shop. Why should I get a web site for my small business? What good will the internet do me? I’ve heard that one before. In fact, the guy I’ve heard it from most is David.

He’s the guy with the auto shop in my article “I Don’t Need a Business Plan—Do I?” Long story short, his mother in law finally convinced him to write a business plan and his business is making some money, but in my opinion, it could do better with some marketing. I’d really like to convince him to spend some marketing dollars (he’s a little cheap sometimes), but so far, no dice. Anyway I digress.

Let’s use David’s business as an example. So, his business is in Saskatoon, a city with a population of just over 200,000 over five years of age and almost 90,000 households in 2001, according to Statistics Canada. Nearly every household has at least one vehicle in Saskatoon, so that means there are around 90,000 potential vehicle problems for David’s shop.

Of course, not every vehicle is going to break down in a year, and David isn’t going to get all of them to use his shop, but you get the idea. And mind you, some of them will break down more than once. A certain 1988 Jeep YJ comes to mind…

In Saskatoon, 72.5% of households had access to the internet in 2003, so around 65,000 households had internet access. And that’s not including the rural population surrounding Saskatoon who also have vehicles that need a mechanic from time to time. Now, let’s say David goes marketing-crazy and spends $2500 for his web site (which in my opinion is way too much money for a static small business web site).

But it does no good to have a web site if it isn’t found. Statistically, when people enter a word or phrase into a search engine, they’ll stop looking after the third page. That means, that in order for your web site to be positioned so people will actually click on it, it needs to be in the top 30 web sites for your particular key words or phrases.

So, lets assume that the $2500 David spent includes some good search engine optimization. His web site copywriter makes sure to research and find relevant keywords, and uses them well in his site.

She adds his site to small business directories, and does more of her seo magic, and low and behold, three months in, David’s site comes up #2 in a Google search for “auto repair Saskatoon”. Now there are a potential 65,000 clients for David’s business because they’ll find it in a search engine.

If he only reaches .1% of those 65,000 (not 1%, but point 1%), he could have 65 new clients, and you know your bill is going to be more than 100 bucks every time you take your car to the shop, but assuming just $100 for an average bill, he’ll gross $6500, making that $2500 web site money well spent. I’d be willing to bet he’d make that much on maintenance alone, never mind repairs.

Now that I think about it, I’ve never approached David about a web site from this angle. I think I might show him this article. He’s a logical sort of guy, and it just might convince him to get one.

Attaining A Debt Free Lifestyle

Many people have been taught that you cannot get ahead without debt. We are also inundated with advertising telling us we can have anything we want. All we need to do is put it on our credit card.
We have become an impatient society, we want it right now. We have lost the ethic of working for what we want.
It is not how much money you make; it is what you do with it. By living without debt you can actually have a higher income since you are not paying out interest, you are actually getting paid interest on invested money.
All debt is not created equal. We will classify them as good debt and bad debt.
To simplify the classification we will say that good debt is a loan for something that you could sell at any time and repay the debt. This narrows down good debt to a home loan and possibly a home equity loan.
A bad debt, of course, is a loan on anything that will lose value.
Let’s take a look at some debts that we would consider bad debt.
Home equity loans are in the gray area. They could be considered good debt if they are used to repair or improve your home, but you would be a lot better off to just save up the money for the project. Home equity loans become bad debt when used for purposes other than home improvement or maintenance. In other words a bad home equity loan is for anything that does not add to the value of your house. Do not jeopardize your home by taking out a home equity loan on unnecessary items.
One possible good use for a home equity loan is when the interest rates are low. You can use a home equity loan to refinance your mortgage. Home equity loans generally have lower costs than conventional home loans.
We consider school loans bad debt. If you finish school, get a good high paying job and then attack the loan like mad, a school loan may work out. The problem is that there are too many things that can go wrong. At best, even if you do graduate and get a good job there are always a lot of other expenses at this time in ones life. You are really behind financially when you start your working life in debt.
Auto loans are bad loans that have become common practice to us. We pay interest on a vehicle that will only be worth one half of its original purchase price in five years. Lately it has also been common for us to borrow more than a vehicle is worth. We can trade a car in that we still owe on, and roll that owed amount over into another vehicle. This gives us a loan amount that is higher than the value of the car that we drive away. We have lost our capacity to say NO.
Co-signing is a bad debt that usually and unfortunately involves family. If someone cannot qualify for a loan at a regular lending institution, they should not get a loan. The fact that they can’t qualify for a loan elsewhere should tell you that they are a huge risk. Use this opportunity to teach them how they can get what they want by working harder for it and delaying the purchase.
If you want to get off of the debt treadmill, you must run as far away from debt as you can. You cannot use debt to get out of debt. Even if you do, you have not changed your habits; you must change your lifestyle.

A Pioneer In Their Own Right: The Pioneer Car Stereo

Look at any good car stereo system and you’ll probably see a Pioneer car stereo unit plugged into the console. Alongside with quality speakers and a strong lineup of accessories like LCD panels and navigational devices, Pioneer products/Pioneer car stereos have earned a huge following the world over.

The Pioneer Company is a Tokyo-based corporation, and is one of the world leaders in digital entertainment products. The Pioneer Company was first founded in 1938 in Tokyo as a small radio and speaker repair shop business but today, they are recognized as a leader in technology advancements in the consumer electronics industry.

The company is truly deserving of their name. They are respected for many innovations such as interactive cable TV, the Laser Disc player, developing the first Compact Disc player for the car and the first detachable face car stereo, DVD and DVD recording, plasma display, and organic electroluminescent display. Their strength in optical disc and display technology is complemented by its state-of-the-art software products and manufacturing capabilities.

Nowadays, Pioneer car stereo units are not just simple head units. A car stereo can easily be comprised of several items built into the console of the car. Hardware like navigational devices, DVD players with LCD panels, coupled with the standard array of compact disc, mp3 and cassette players now usually go together. One would be hard-pressed not to acquire all of these, as it is such a delight to see these units work harmoniously. But traditionally, a Pioneer car stereo unit is a head unit with a radio, cassette and cd player. No matter how bare-bones this might sound, anyone will surely be impressed with the sound quality and features a Pioneer car stereo can boot.

Something like the DEH-P90HDD Pioneer car stereo single CD player head unit. The DEH-P90HDD allows you to record CD Audio (from the unit itself or from a changer) onto a 10GB hard disc drive, which holds about 200 audio CD’s (using ATRAC3 digital compression). Your CD’s are recognized by the pre-installed Gracenote CDDB database, which includes auto-playlists that make finding a specific CD easy. This Pioneer car stereo unit can also play your MP3 CD’s plus CD Audio, CD-RW, and CD-R discs. Also, the MagicGate Memory Stick player lets you play recorded Memory Stick tracks. The Organic EL display is easy to read and accepts image downloads, so you can customize its look. Built-in DSP offers a 13-band graphic EQ and a huge variety of tools. The DEH-P90HDD is XM Ready and provides a steering wheel remote.
If cassettes are your thing, the KEH-P4020 Pioneer car stereo cassette player head unit is a good product to choose. It is a full logic cassette system with multi-color display, 45Wx4 High Power, EEQ™ equalizer system, Tuner, IP-Bus System Control, flap face and has a detachable face security.

If you’re planning to buy a Pioneer car stereo unit, why not match it with a set of Pioneer speakers too? Pioneer car stereo has made another innovation in their REV Series speakers, which incorporates technological breakthroughs in their IASCA award-winning Premier Reference Series (PRS) speakers. Rev Series speakers boast Pioneer’s Kevlar Fiber Composite Cones, Soft-dome tweeters and Wave guides. Each speaker features a bright yellow cone and distinctive wave guides, plus a six-spoke grill with a titanium finish that simulates chrome wheels.

With all these impressive products, is it still a wonder why they call Pioneer car stereos “Pioneer”?

Recession Answers

Are you concerned about inflation, a recession, or even a depression in the early 21st Century? If you are concerned about either one or the real possibility of all the economic woes that potentially face the United States you are surely not alone as more and more people find they are having real trouble paying their mortgages and putting food on the table as money dries up, home values plummet, grocery prices escalate and petroleum prices sky rocket.

America’s economic picture is driving the election primaries of both parties as well as the independents. As Tip O’Neill once opined, all politics are local. If your perception is, “it’s the economy stupid” you want one candidate. If housing prices are holding in your neighborhood, you want another candidate.

It was not many days ago that our collective major concern was the War in Iraq and American service members scattered around the world in harms way as Islamic Jihadists swore their destruction. If you have a son, daughter, wife, husband, mother or father on their fourth or fifth tour of duty with the United States Military in Iraq as the Tennessee Mountain Man and Computer Man do that may well remain your driving force and you probably support yet another candidate. But it appears to be more and more clear that across the board, America’s primary concern in the 2008 election year rightly or wrongly is the economy.

There is a raging disagreement between those well heeled gurus in the know who live on the upper side of town about whether or not we are in a recession. Many on the Fox Business Channel seem to believe we are and that Chairman Ben Bernanke of the United States Federal Reserve Bank is behind rather than in front of the curve. Bernanke disagrees although he did seem to tell congress in middle January, 2008, that we could be in danger of sliding in that direction.

The federal government apparently agrees with the view that a recession is imminent if not in full throttle otherwise why would the captain of the ship be ordering the life rafts deployed with all haste. Both political parties are rushing to get cash back in the hands of the people hoping they will spend it on new purchases driving the economy forward.

Grand ma who was already having a problem deciding whether to buy the medicine her doctor prescribed or the food her body needed and who remembers the great depression don’t have any doubts. She has seen the horse and buggy, the model T, the iron horse, the air plane, Sputnik, the man in the moon and a man on the moon and air conditioning (although she can’t afford any) replace the funeral home fan along with a recession or two in her life time, and she knows a recession when it comes roaring through her family.

Since Grand ma knows little to nothing about GNP/GDP. She basis her observations on the real life of real Americans struggling to survive, not on the fancy mathematical maneuvering and stats of professors and practitioners isolated in their ivory towers or professional politicians lost in the bowels of government hidden inside the Washington Beltway.

The truth is real people are hurting. There is plenty of blame to go around and probably more than one solution to the recession issue. It is after all a complicated issue, and some business types like auto manufacturers and home builders are hurting more than others.

It does not help that we have shipped so many manufacturing jobs off shore and over taxed and imposed other burdens on businesses to the point many have been forced to either close their doors or move their operations outside the United States.

Remote Helpdesk 1 has seen many businesses come and go over the years. We have seen a recession or two ourselves, and we have learned that there are some fairly safe options for entrepreneurs during an economic turn down. In fact there are some who do much better in tough times.

Tired of punching a clock, lost your job or just want to be your own boss? In bad times there are always ways to thrive if you are perceptive and agile. Never feel that because a recession is under way that there are no opportunities for you.

You might want to consider one of these: the health industry, collections, funeral parlor, auto repair, used furniture outlet, used clothing and household items store, pawn shops also thrive in such times, tutoring, selling on an online auction, internet ad business… use the computer between your shoulders as well as the one on your desk to come up with options.

If you are already in business, this is not the time to become despondent. It is time to drive forward. You can’t sit and wait for your ship to come in. There are opportunities! Increase advertising, get more personally involved in your community and your church and business and professional organizations, slash your prices to bare bones if you need to, visit current and dormant accounts and customers and make sure they know you are still around and that you appreciate them.

Remember, we have been here before. You are not going through this alone. It is cyclical, and this too shall pass. In the mean time, make up your mind to enjoy the ride. You have little choice but to take the trip so determine to arrive stronger, happier, and richer as a result of the experience that God, in His wisdom has allowed you to conquer with His provision and guidance.

About the cheapest kind of auto insurance you can find anywhere in the United States, or around the world for that matter, is third party insurance

There aren’t that many cheap car insurance policies out there that are for real. If you happen to stumble across one, and you can’t find anything the matter with the package, hold on to it for all you are worth. It may be the best thing that ever happened to you.|Statistics show that accident rates on highways across the country drop when there are dire consequences to pay for each crash. In that wise, I am personally not an advocate for cheap car insurance. However, if it helps you sleep better at night, who am I to get in your way?

Because you can’t afford to buy car insurance at some of the steep rates offered by several insurance firms, there is no reason why you should live at the risk of being jailed or asked to pay a fine that you cannot afford. You should at least strive to get cheap insurance. With that, you ought to be able to keep the law off of your back.|Cheap car insurance is priceless and not that easy to come about. However, if you are meticulous about it, you should be able to find one online. I mean, with all the vast resources of the internet at your disposal, it is certainly a sure-fire way to get what you must have.|Even the cheapest car insurance still requires that you pay your monthly premiums. So please try not to be too cheap about it yourself. If you will maintain that policy, you must see to it that you never fault on your premiums. That ought not to be too tough to swallow, even for you.

If you are able to maintain a credible credit history, you should have no trouble finding car insurance that is cheap. Often, these companies like to deal with people who are good for their money. One look at your history ought to convince them if you are for real.|When you make a habit of owing all over the place, you are not going to have a lot of friends. Even insurance firms, for all their notoriety, will never offer you cheap car insurance when you have bad credit in your history. You know what to do then? You need to find a way to repair your credit so that you can qualify.

Do not let anything keep you from receiving the cheapest car insurance you can get. All over the internet, such opportunities are all over the place and they are very encouraging. But if you do not qualify, you will not get lucky. You need to start looking into the criteria that meet the requirements for cheap car insurance, so that you can get it yourself.|If you don’t make a habit of using your vehicle for work purposes, you may be fortunate enough to get you some cheap car insurance. Some of those clauses on your agreement with the insurance company – your policy – allow you that leeway if they think you are for real.|If you are looking for cheap car insurance, you may have to agree to certain terms on your insurance contract. These terms may tell you things like who may drive your car or what you can do with it. If you breach these, you don’t get your pay off if something happens. But at least, paying the premiums won’t hurt so much.

What You May Not Know About Automobile Insurance

Perhaps the most commonly purchased type of insurance is automobile insurance, also called driver’s insurance or car insurance. Although laws vary somewhat, virtually all states today require drivers to carry some sort of automobile insurance to legally operate a vehicle on public roads. The penalties for driving without insurance can range from fines to a suspended license or, in the case of repeated infractions, possibly even a short jail sentence. Given that driver’s insurance is required in pretty much every state, it’s worth having some basic knowledge about the subject.

Types and levels of Coverage

The type of insurance coverage a person needs, and how much they will pay for that coverage, vary depending on a number of factors, such as the age of the driver, his or her driving record, the age and value of the vehicle, the dollar amount of the coverage, and whether the vehicle is fully paid for. While auto insurance can get pretty complex, there are four types that everyone should be aware of.

Liability coverage is the most basic type of coverage; it protects the driver against any claims that might be brought after an accident or other incident that is the driver’s fault. This is usually the minimum coverage that a driver needs to be considered insured. Liability insurance usually has the lowest premiums, but it doesn’t cover any damage to the driver’s own vehicle; thus a lower monthly premium needs to be balanced against the risk of a potentially large financial burden. Also, most loan lenders require a driver to carry comprehensive coverage until the borrower has paid off the loan in full.

Collision insurance covers part or all of the cost of repairs to the driver’s vehicle in the event of a collision, based on an estimate of the project cost for the repairs. While collision insurance can definitely pay for itself in the even of a car crash, the monthly premiums are higher than simple liability. Most policies are also subject to a deductible, which means that the policy carrier is responsible for paying a set amount before the insurance company pays. Deductibles vary widely; generally speaking, though, the higher the deductible, the lower the monthly payments, and the lower the deductible, the higher the monthly payments will be.
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Comprehensive coverage is typically required for vehicles that are still in the process of being paid for. Many vehicle owners also carry comprehensive coverage for expensive or otherwise valuable vehicles. Comprehensive coverage covers damage that isn’t the result of a collision – fire, theft, vandalism, and so on – although the exact items covered can vary quite a bit from one policy to the next.

Uninsured Coverage protects you if an uninsured or underinsured driver hits you or your vehicle. Although insurance is a legal requirement in most places, that doesn’t mean that everyone on the road is insured. This type of coverage means that you won’t get stuck with the repair bill if someone less responsible than you involves you in an accident.

Each type of insurance is available at several different levels of coverage; the higher the coverage (in dollars), the higher the premium will be. Premiums will also increase if the driver is involved in an accident or receives tickets for traffic infractions. Additionally, premiums are higher for males than for females, for younger drivers, and for drivers in urban or higher-crime areas. Despite this, however, automobile insurance is a necessity for any responsible driver.