California Commercial Vehicle Insurance

California Commercial Vehicle Insurance

In California – the sun state – as well as in other states and other countries, commercial vehicle insurance is a significant part of the product spectre most insurance companies offers. For most of us ordinary drivers with our personal cars and other private vehicles like motorbikes, leisure boats and recreational vehicles doesn’t offer much attention to the fact that lots of people are actually using their vehicles for a living. If you drive a commercial vehicle (big rig, delivery truck, bus, etc.) in California you should be aware there are certain legal requirements for vehicle insurance that you must maintain. Because commercial vehicles can often carry hazardous materials or precious cargo (such as our children) the insurance requirements for them are much higher than traditional automobile coverage.

Not all insurance companies offer commercial vehicle insurance. Some companies that specialize in auto coverage have a separate division that handles heavy vehicle insurance underwriting. Many times you can consult with your agent who can inform you of their coverage availability or refer you to another insurer who may be able to handle your commercial needs.

Some of the requirements for getting coverage of these larger vehicles can include specialized driver training requirements as defined by the state of CA. Often drivers must have a special endorsement or license to drive such vehicles. Regular inspections are usually mandatory for such vehicles as well to help maintain safety on the road. It is not uncommon to see random inspection points setup across the state to do spot checks of commercial trucks and other vehicles.

If you have any questions about the availability of coverage or the minimum requirements necessary you should contact the state department of motor vehicles who will explain detailed coverage requirements based on the type of vehicle and for what purpose it will be used for.

How To Get Affordable Automobile Insurance In South Carolina

How To Get Affordable Automobile Insurance In South Carolina

Driving without insurance in South Carolina isn’t really an option. The moment an insurance policy lapses or is canceled on any registered vehicle in South Carolina the state is informed. 20 days later, if a new insurance policy has not been added to that vehicle the registration tags and license plates are canceled and your driver’s license is tagged. Reinstating a vehicle at that point becomes very time-consuming and expensive.

Rather than put yourself through all of that hassle, why not simply use the information in this article to help you get affordable automobile insurance in South Carolina. It’s probably easier than you think.

If you are considering buying a vehicle check with your insurance agent first. Not all vehicles cost the same to insure and before you set your heart on a vehicle that you can’t really afford to insure, ask your agent for a list of vehicles that cost the least to insure.

How you drive is even more important that what you drive. If you really want affordable automobile insurance then you need to keep your driving record as spotless as possible. You don’t want it littered with speeding tickets or other moving violations and you definitely do not want any convictions for DUI or DWI on your record. Even one DUI or DWI conviction and you will not be seeing affordable automobile insurance for at least 3 years – and maybe much longer!

Can you use public transportation for many of your “driving” needs? If you can reduce your monthly driving down to 500 miles or less you can qualify for a rather hefty Low Mileage Discount on your insurance.

In a similar vein if you can carpool to work you can also save on your car insurance each month. If you have recently stopped working for any reason, and you are no longer driving back and forth to work at all, then be sure to let your agent know as this can reduce your monthly insurance premium by quite a bit.

Do you have a garage where you can park your car at night? If so, this can also save you money every month.

If your car is so old that it no longer has any Kelly Blue Book value then you are wasting your money if you continue to pay for collision or comprehensive insurance.

If you combine all of your insurance policies – homeowner’s, health, life, etc. – with the same insurance company you will receive a break on your car insurance payment each month.

Don’t make a lot of small claims. Save your claims for the big stuff. The longer you can go without filing any claim the more of a break you’ll get on your insurance. Some companies begin offering discounts as quickly as 6 months without a claim.

Drivers under 25 can save 5% a month on the cost of their insurance simply by staying in school and maintaining at least a 3.0 grade point average.

Drivers over 55 can often save 10% a month if they take – and pass – a special driving course. Ask your agent if you qualify for this discount.

Ask your agent if you will save any money by purchasing – and using – a steering wheel locking device or a simple electronic device that shuts off your fuel pump unless you key-in a secret code.

Increasing your deductible is a fast and reliable way of reducing your monthly insurance premium, but it can also be a double-edged sword. If you ever have a claim you will need to come up with your deductible in cash before your insurance company will pay the rest of your claim, so don’t offer to pay more than you can actually come up with.

The final step in getting affordable automobile insurance in South Carolina is to get online and find 3 different websites that compare the cost of automobile insurance from different companies.

The trick here is to use the information in this article to enter the exact same information onto the form at all 3 websites so that your comparisons really have some value. Now simply choose the cheapest company and you’re done. That’s it! This is how you get affordable automobile insurance here in South Carolina and save money month after month and year after year.

How To Compare Low Cost Automobile Insurance In South Carolina

How To Compare Low Cost Automobile Insurance In South Carolina

If you drive a vehicle on any public roadway in South Carolina you simply must buy automobile insurance. South Carolina has a system set up with the insurance companies so that it is informed the minute an insurance policy is canceled or lapses – and if that policy isn’t replaced within 20 days the penalties for the registered owner of that vehicle can be severe.

A much better way to beat the high cost of automobile insurance here in South Carolina is to find safe and legal ways to lower your monthly premium – and once we’ve done that, to get online and compare the price of your “super-low-priced-policy” on several of the automobile insurance price comparison websites.

But before we start making “comparisons” online, let’s try to create a low-priced policy that we can compare in order to really save some serious money.

Let’s start with you. Did you know that the way you drive affects the price you pay for your insurance more than any other single factor? If you have speeding tickets or any moving violations on your driving record you simply are not going to get the lowest cost automobile insurance available in South Carolina.

If you have a DUI or a DWI on your record then you can kiss any chance for low cost automobile insurance good-bye for at least 3 years. Possibly longer.

Keeping your car in a garage at night will save you money on your automobile insurance every month.

Find ways to drive less. Many people are now using public transportation as their “second car” and leaving their vehicle parked as much as possible. If you can reduce your driving to below 500 miles per month you may be in for a rather nice Low Mileage Discount.

If you are married sign the wife up as the primary driver and the husband as the secondary driver. Women pay less for automobile insurance and this trick will save both of you money.

Don’t bother your insurance company with small, unimportant claims. Save your insurance for major claims. The longer you go without filing a claim the less your insurance will cost you. Some companies begin handing out bonuses after only six months of accident-free driving – other companies may make you wait a year, but not filing claims often can save you money.

Pay your premiums automatically from your bank account. Automatic payments save you money month after month.

Driver’s under 25 can save at least 5% a month simply by remaining in school and maintaining a “B” grade average or better.

Drivers over 55 may get a 10% break on their insurance rates by passing a special driver’s refresher course. Not all companies make this discount available so ask your agent if you can qualify.

See if your place of employment or any clubs or organizations or groups that you belong to offer group car insurance. Group rates are almost always a savings over individual rates.

Often adding an anti-theft device as simple as a steering wheel lock or an electronic device that shuts off your fuel pump until it receives a hidden command can save you big bucks each month on your car insurance. Ask your agent.

Carpool to work. Driving your car back and forth to work less often will reduce your auto insurance rates. If you stop working and are no longer making the trip back and forth to work at all, be sure to let your agent know as this will lower your monthly premium.

Can you afford to increase your deductible? Don’t promise to pay more than you can afford, but the higher your deductible the lower your monthly automobile insurance payment.

Finally, take what you’ve learned in this article and fill out the form on a minimum of 3 websites that make price comparisons of automobile insurance policies from different companies. The trick is to put the exact same information on the form on all three comparison websites so that you are comparing the same insurance policy on all sites.

Then simply choose the lowest price from among all of the insurance companies operating in the state of South Carolina and you’ll have found the best deal possible on automobile insurance. It’s that simple.

3M Clear Bra – What an invention!

3M Clear Bra – What an invention!

The 3m clear bra is a wonderful invention for any car-lover who treats his prized possession like a true friend. A man’s best friend is not always the family dog. Sometimes a car can take the place of a great pet and nothing hurts more than seeing that first scratch or dent on your favorite automobile.

However, traditional protective bras are not the most attractive option for car owners who want to protect their investments.

The problem with the traditional protective covering is simply due to the fact that it covers the magnificent machine. No real car enthusiast wants to hide his prized automobile under a rubbery surface. He doesn’t want to spend a lot of money on the perfect finish to cover it up with a protective layer. Unfortunately, many car owners had to choose between chips and scrapes or hiding the finish.

Not anymore. A car enthusiast can opt for a 3m clear bra that protects the car by creating a colorless barrier between the car’s finish and the elements. The 3m clear bra is simply a protective film that is literally painted over the car’s exterior. This product is commonly used on trucks, cars and vans of vehicle owners who cringe at the thought of a pebble getting near their priceless object.

The 3m clear bra is also used to protect headlights as well. The protective layer is commonly applied to the front of the vehicle and on the lenses of the headlights. The beauty of this material is that it is virtually undetectable. The original design of the vehicle is not changed in any way. The owner has the peace of mind that comes with knowing that the car is protected while having the luxury of enjoying his vehicle in its original state.

Some may wonder if the product is really as effective as the traditional protective cover. The 3m clear bra will protect the vehicle from chipping. The material was originally designed to be used on aircraft propellers to protect them from chipping. Surely the material will be effective at preventing chipping on vehicles as well.

Another concern is the quality of the clarity of the 3m clear bra. How clear is it, really? The manufacturer of the product boasts that the material is virtually undetectable unless the vehicle is very white in color. The clear coat is slightly visible on a stark white car when very close but it is not detectable from a distance. You will see a faint line where the 3m clear bra stops but that is better than an ugly bug shield or paint chips.

Car Alarm Systems

Car Alarm Systems

Most victims of car theft never considered that it would happen to them. There is about one automobile stolen every twenty seconds in the United States alone. Even in today’s technology, car theft is very rampant. That is why car alarm system manufacturers are always improving their technology and innovating in order to avoid car theft.
Car alarm systems are gadgets that are installed on cars to thwart or discourage theft of cars. Car alarm systems of the early years work by making a loud sound and only. As the years go by, car alarm systems work by disabling the ignition system of the car. Some car alarm systems send a radio signal to the owner thru a beeper. Some car alarms are set off by vibrations, touch, tilting of the car opening or closing of door contacts, small and rapid changes in the voltage of the battery or through infrared sensors and ultrasound sensors.
In some cities in the United States, car alarm sounds are ignored because most of these alarms are accidental. They are either caused by vibration, thunder, passing of a large truck or of individuals innocently touching the car. And most people in some cities in the United States ignore or do nothing when they hear the sound of a car alarm. Because of large portion of car alarms are false alarms or accidental, car alarm system manufacturers are no longer producing simple noise making car alarm systems. As a replacement for these noise making car alarm systems, car alarm manufacturers are now producing silent “immobilizers”. Immobilizers are electronic devices that are installed on a vehicle that prevents the engine from running if the vehicle is inserted with the wrong key. After the innovation of the immobilizers, sophisticated car alarm systems now feature “vehicle tracking system” that enables law enforcers to track stolen vehicles which is very much more effective than immobilizers. On the other hand, these advance features (immobilizers and vehicle tracking system) can not prevent theft of some articles or equipments inside the vehicle or vandalism of the automobile.
An ideal car alarm system must have the two above mentioned features and sensor that could detect vibrations and pressures of the car. Sensors like a shock sensors triggers the alarm when something or someone moves or hits the car. Some car alarm systems have loud alarms, concierge system, locking steering wheel system, cellular phone alarms that call the police, engine lock system and fuel lock system which prevents fuel from the engine.
Aside from car alarm systems, having a large and heavy gauged steering wheel lock is a good idea in preventing car theft because it will give the car thieves a hard and tiring fight just by removing it alone.

Chrome Stools Put You In The Driver’s Seat

Chrome Stools Put You In The Driver’s Seat

You jockey for position, but cannot seem to overtake the other vehicle or get that coveted inside track. Then suddenly, your car surges forward, about a car-length ahead of your nemesis. The other vehicle returns the favor by streaming past your automobile. This back-and-forth position changing continues until the final stretch. Neck-and-neck, both cars dart along the track, as if following a script, towards the finish line. Both you and the other vehicle speed underneath the checkered flag, in a down-to-the-wire photo finish. Suddenly, the noise of the crowd dies out, and you slowly open your eyes. Instead of being seated in a Formula One, you find yourself in one of the room’s comfortable chrome stools.

Chrome, Chromium, and Chromite
Chrome can be used on numerous automobile parts. We have seen chrome before, but what exactly is it? Chrome is a thin sheet of chromium that is placed on metal that could corrode. It helps to prevent stains and makes the surface brighter. Chrome is made from the element chromium, which is a hard, shiny, element. It is mainly found in the mineral chromite. Besides automobiles, chrome can also be used on several other products, such as household fixtures and chrome stools.

Car Chroming
Chrome can be used on numerous products found on a car. Two of the most popular are hubcaps and rims. Chrome-plated hubcaps can frequently be spotted rolling down the street, and are featured on various automobile shows, music videos, and in automobile magazines. Today, there are even shops that specialize specifically in chrome hubcaps and rims. However, chrome can be added to other parts of the vehicle as well. That includes the grill, the engine, and even the manufacturer’s emblem! Placing chrome on these parts helps to increase the life of one’s precious investment. Though chrome stools have no hubcaps, or wheels for that matter, they can still represent the longevity and attractiveness of the plating.

Chrome Construction
When you look at chrome stools or see four glimmering chrome hubcaps rolling down the street, do you ever wonder how parts of the car are chromed? Before chroming a part, it must be polished until it shines. The purpose is to remove the imperfections in castings and also avoid future chrome platings from sinking into tiny surface imperfections. Careful preparation must also be done when chroming hardware, particularly to prevent losing any parts. Lastly, cast wheels must be polished cautiously. This seals the surface and gives the chrome and nickel plates a smooth surface. Chrome stools also undergo a similar process when parts such as the backrest, footrest, stem, and base are chromed.

Chrome gives today’s automobiles a special “bling bling” shine that sets them apart from the others. Though chrome stools are less mobile, the plating gives them the look and durability for all of your sitting needs. There is no doubt about it. Chrome stools put you in the driver’s seat!

Antique Classics – Cars That Last

Antique Classics – Cars That Last

The term Antique Classics is used in reference to old cars. According to Antique Automobile Club of America, an antique car is generally defined as a car over 25 years of age. However, the exact legal definition for the purpose of antique vehicle registration varies widely from State to State.

With about 12 years being the normal design life of modern cars, 25 years is about double and therefore a car that’s reached 25 is a rare survivor, and probably not economic to maintain as regular transportation.

The term Classic Car is often used synonymously with the term Antique car, but the formal definition of that term is restricted to specific high-quality vehicles from the pre-World War II era which began with the Great Depression in 1930 and ended with the recovery after World War II in 1948. The Classic Car Club of America (CCCA) defines the term Classic as a “fine” or “distinctive” automobile, either American or foreign built, produced between 1925 and 1948. A Classic was high-priced when it was introduced and was built in very limited quantities. Although, by 1930’s most of the manufacturing technologies had already been invented, certain factors like including engine displacement, custom coachwork and luxury accessories, such as power brakes, power clutch, and automatic lubrication systems, help determine whether a car can be considered a Classic.

Some exemplary pre-war Antique Classics are:

1. 1934–1940 Bugatti Type 57. The Type 57SC has become the singular classic car.

2. 1934 Citroën Traction Avant. Has the distinction of being the first mass-produced front-wheel drive car,

3. 1936 MG T series, a sports car meant especially for American soldiers fighting in the war.

4. 1938 Volkswagen Beetle, the most-famous automobile of all times. It was a pre-war design that continues to exist even in the present times.

The CCCA Club keeps a thorough list of the vehicles they consider Classics, and while any member may petition for a vehicle to join the list, such applications are carefully scrutinized and very rarely is a new vehicle type admitted. They also acknowledge the fact that their rather exclusive definition of a classic car is by no means universally followed and hence they generally use terms such as “CCCA Classic” or the trademarked “Full Classic” to avoid confusion.

After 1930 the number of auto manufacturers came down sharply, as the industry consolidated, and developed after the war more advances in engine design were made, like the compression V8 engines and modern bodies from General Motors, Oldsmobile and Cadillac brands.

A Look At Rental Cars & Agreements

A Look At Rental Cars & Agreements

One of the most popular reasons for rental cars is to provide dependable transportation for vacations, frequent travelers or for anyone who has their own automobile in the repair shop and is in need of a temporary vehicle. Among the most popular rental car agencies are Hertz, Avis and Enterprise. In exchange for a fee, these companies allow drivers to rent the automobile of their choice on a daily, weekly or monthly basis.

One of the most important considerations, aside from the type of vehicle being rented, is the optional insurance coverage. This service, which is relatively inexpensive, will cover any damages sustained while the automobile is in the customer’s care. Generally, if insurance is not purchased, the customer may be held financially responsible for any damages that occur while the automobile is in their possession. While on the road, anything can happen. From the slightest fender bender to a scratched door or even worse, when life’s unexpected events occur, insurance coverage is often the only link between minimal out-of-pocket expenses or financial ruin.

When considering rental cars, it is important to know the age limits, if any, for each state. Upon selecting an automobile, the car rental agency will provide a written agreement, which must be signed and dated by the customer. In order to rent an automobile, the customer must be able to provide a valid credit card in order to confirm the reservation. In most cases, the credit card is used only to hold the reservation and is not actually charged until the rental period expires or as specified in the rental agreement. At the time that the car is returned, the customer will have the option of either having his/her credit card charged or paying in cash. Regardless of the final payment method, however, customers are required to provide a credit card before taking possession of the automobile as a confirmation that the rental agency will receive payment.

Depending on the agency offering rental cars, there may be mileage limits. In some cases, there is a fee if a certain amount of mileage is used. For others, unlimited miles may be available. Upon taking possession of rental cars, most agencies will make sure that they are washed and filled with fuel. When they are returned to the rental agency, most expect that the fuel tank will be refilled and the car will again be washed. In addition, all rental cars are due back at the agency at a specified time of day or the customer may incur a late fee. It is important that all cars be returned promptly or the rental agency be notified if there is an unforseen delay in the car’s return.

The Different Elements Of A Car Insurance Policy

The Different Elements Of A Car Insurance Policy

The phrase “car insurance” implies that what you are insuring is your car, but the realities of car insurance are a bit more complex than that. When you purchase a comprehensive auto insurance policy, you are protecting yourself from the costs of damaging your car, but that is just one element that makes up full automobile insurance coverage. You need insurance that can cover the legal fees that may result during a lawsuit if you take another driver to court after an accident. You need insurance that can cover the cost of prescription painkillers that you may need to buy for yourself if an uninsured driver runs a light and hits your car. These and hundreds of other possible costs that have nothing to do with your actual vehicle can be covered by so-called automobile insurance. The act of buying an insurance policy for your car is an act of making sure that it is financially safe both for yourself and for anyone else who you may encounter when you are behind the wheel.

You need to protect yourself from the potential financial hardship of paying for the medical bills of anyone who you injure in an accident, and the costs of repairing any public or private property that you may damage. In addition, before you can hit the road in most states you need enough insurance that you will be able to pay for your own medical care if you are injured in a crash caused by an uninsured motorist. So far, none of these important elements of a standard car insurance policy even mention the automobile itself!

A good collision or comprehensive insurance policy will cover at least some percentage of the cost of repair to your vehicle after physical damage. However, since not every state requires that you have this kind of insurance, don’t assume that physical damage is covered by your policy unless your agent tells you so directly. Physical damage coverage is just one element of a good automobile insurance policy, and many people consider it optional rather than necessary. The actual cost of insuring the physical form of your vehicle is almost always dwarfed by the costs of the other kinds of insurance that you need in order to drive safely, responsibly, and legally.

Other options that you will be likely to encounter when choosing a car insurance policy include things like medical payments coverage, which will help you meet the costs of medical attention after an accident. Of course, a traditional auto insurance policy includes a certain level of protection against the costs of treatment, but things like co-pays are not covered by body injury liability coverage or uninsured motorist coverage. This leads many people to take out additional insurance so that they know that they will not have a larger than necessary financial burden if a hospital stay is necessary for them, for a passenger, or for somebody else harmed during a crash.

The Lemon Law In Florida – Stating The Law As It Affects Consumers

The Lemon Law In Florida – Stating The Law As It Affects Consumers

The Florida Legislature in 1988 revised a law that makes car manufacturers responsible for replacing defective vehicles or refunding consumers’ money if the vehicle applies to certain conditions set forth by the Legislature. This law is commonly known as Florida’s automobile ‘Lemon Law,’ or popularly known as lemon law Florida.
Most of the states in United States protect consumers from vehicles with manufacturing or other defects. The law stated to prevent consumers from defective vehicles is known as Lemon Law. Lemon law Florida applied to new or demonstrator vehicles sold or long term leased in Florida. Lemon law Florida enables consumer to get repaid within a certain period of time if the vehicle turns out to be a lemon. According to lemon law Florida a vehicles is termed to be a lemon if it calls for multiple repairs in a short span of time. Usually a lemon car works cheaply or breaks down several times immediately after the purchase.
Lemon law Florida applies to only new or demonstrator vehicles sold in state of Florida. Lemon law Florida also applies to vehicles leased in Florida, if such vehicles are lease-purchased. Lemon law Florida is also applicable to vehicles in cases where lessee is responsible for the repair of the vehicle. Lemon law Florida does not cover trucks weighing more than ten thousand pounds gross vehicle weight, off-road vehicles, vehicles which are purchased for purposes of resale, motorcycles and mopeds, or the living facilities of recreational vehicles.
Information on lemon law Florida can be obtained from various websites that provide information about automobiles in Florida or United States. Consumer guide for lemon law Florida can be obtained from hotline number 1-800-321-5366, or 1-850-488-2221 for consumers outside Florida. This phone line should be answered between the hours of 8:30 a.m. to 4:30 p.m., Eastern Time. To file a suit for lemon law Florida one should consult lemon law attorneys who specialize in lemon law for Florida. Consumer guide to the Florida Lemon law explains consumer rights, gives steps to follow to resolve problems and contains a toll-free number for the Lemon Law Hotline and a form the consumer can use to notify the manufacturer of chronic defects and time out of service for repair.
Lemon law Florida covers defects or conditions that impair the use of the automobile. The automobile can also be proved to be hazardous or unsafe for use. According to lemon law Florida any defects pertaining to the automobile should be duly reported to the manufacturer or any authorized servicing agency. Lemon law Florida states the first 24 months after the purchase of any automobile as Lemon Law Period for that automobile. If the manufacturer fails to conform the vehicle to the warranty after a reasonable number of attempts to repair these defects, the law requires the manufacturer to buy back the defective vehicle and give the consumer a purchase price refund or a replacement vehicle. The law does not cover defects that result from accident, neglect, abuse, modification or alteration by persons other than the manufacturer or its authorized service agent.