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.

How To Compare Low Cost Automobile Insurance In West Virginia

How To Compare Low Cost Automobile Insurance In West Virginia

If you’re going to drive a vehicle on any roadway in West Virginia then you’d better buy automobile insurance. The consequences of driving without automobile insurance are far too costly, both in time and money, to make the gamble worthwhile.

Rather than risk being caught driving without insurance why not explore all of the different ways of comparing low cost automobile insurance in West Virginia and getting your car insurance at a price you can actually afford to pay?

For example, if you are in the market for a car it might pay you to consult with your automobile insurance agent first. The reason is because not all cars are equal when it comes to insurance costs – some cost a lot more to insure than others. Before agreeing to purchase a car which you are not going to be able to afford to insure, why not ask your agent for a list of the least-costly cars to buy insurance for?

The way you drive your car affects how much you pay for insurance more than any other single factor. If you collect speeding tickets or any other moving violation or if you have even one conviction for DUI or DWI then you can forget about finding the lowest-priced automobile insurance for at least 3 years.

Can you park your car in a garage at night? If so let your agent know as this will save you money.

Ask your agent if your insurance company offers a discount every month if you buy and use a steering wheel locking device. Talk to your agent about other simple, low-cost anti-theft measures that you can take that will save you cash month after month on your automobile insurance.

Drive less. Many people are now using public transportation for most of their “driving” needs. If you can reduce your driving to under 500 miles per month you could qualify for a Low-Mileage Discount.

Carpooling at work can also save you money every month on your car insurance. Part of your automobile insurance premium is based on the number of miles you drive to and from work every month. If you can cut the number in half by carpooling then your agent will see to it that your insurance rates are reduced.

If you retire from work or if you stop driving back and forth in rush hour traffic for any other reason then let your agent know. Your insurance rates will drop.

Pay your premium automatically out of your checking account each month. Automatic payments save your insurance company billing costs and they pass the savings on to you.

If you have medical insurance that’s separate from your automobile insurance policy ask your agent if you could save money by canceling or reducing the Personal Injury Protection portion of your policy.

Don’t pay for collision or comprehensive insurance on older cars that no longer have any Kelly Blue Book value. In fact, since your vehicle loses value every year, talk to your agent about reducing the amount of your collision and comprehensive coverage every year to correspond with the dwindling value of your vehicle.

Increasing your deductible will immediately lower the cost of your automobile insurance. Of course, increasing your deductible also obligates you to pay more cash out of your own pocket or purse should you have a claim, so don’t agree to pay more than you can actually afford.

Do not make a lot of small claims. The longer you can go without filing a claim the better your rates will be.

The last thing you want to do is to find 3 different websites that will let you compare low cost automobile insurance in West Virginia. Don’t rely on just one of these websites, as you won’t see the prices from every car insurance company operating in West Virginia.

If you’re serious about saving money then take the extra time and make your comparisons on a minimum of 3 different websites. Also be certain you use the information you have learned in this article and fill out all three forms in exactly the same way. Only by filling out the forms with the exact same information each time will you be comparing the same insurance policy across all three websites and saving the most money.

Once you have made your three comparisons then all that’s left is to review your results and choose the least expensive automobile insurance policy. And that’s how you compare low cost automobile insurance in West Virginia and find the best policy for you at the very best price.

What To Look For In A Full Coverage Automobile Insurance Quote In Florida

What To Look For In A Full Coverage Automobile Insurance Quote In Florida

Compared to most other states, Florida actually requires very little from its residents when it comes to the automobile insurance they are required to purchase if they wish to drive a vehicle on a public roadway in Florida.

If you have a good driving record you can legally drive your automobile in Florida if you purchase just $10,000 of Personal Injury Protection (PIP) coverage and another $10,000 in Property Damage Liability (PDL) coverage. If your driving record includes a crash or if you have gotten speeding or other tickets the state is allowed to force you to also buy Bodily Injury Liability (BIL) insurance before you can legally drive.

What does this minimum insurance cover? Not much, really.

Personal Injury Protection – PIP coverage – covers medical expenses for anyone in your vehicle if you are in a crash regardless of whose fault the accident is. If you’ve been to a doctor or spent even one night in a hospital or made even one visit to the ER in the past year then you know that $10,000 in insurance coverage will barely cover the cost of a scratch to someone’s upper arm, let alone anything even remotely serious.

Property Damage Liability (PDL) insurance covers the repair or replacement of the other person’s car and certain other property due to a crash, regardless of whose fault the accident is.

Again, $10,000 will barely cover the replacement of a bumper on many of today’s high-priced cars.

Bodily Injury Liability (BIL) insurance covers the medical expenses of anyone in the other car if you are in an accident. This insurance also pays for certain legal expenses if you are sued following an accident. Considering today’s medical costs you may wish to consider carrying as much BIL insurance as you can afford, especially if you have a home or other assets which you could lose in the event of a lawsuit.

If you want your automobile to be repaired or replaced in the event of an accident you need to purchase two additional insurance policies – a comprehensive policy as well as a collision policy.

As the name implies, collision insurance protects your vehicle in the event of a collision with another moving vehicle or with a stationary object, such as a tree or a light post or a guardrail. If your vehicle’s engine is running and your vehicle is moving when an accident occurs, then your collision policy will cover the cost to repair your automobile up to the limits of the policy or up to the Kelly Blue Book value of your automobile.

Comprehensive insurance covers repair or replacement of your vehicle if it is damaged by an “Act of God” – such as a tree branch crashing down on it during a storm – or if it is damaged by vandalism. Your comprehensive insurance also covers you if you hit a deer or other animal which causes damage to your vehicle.

So in Florida what you want to look for in a full coverage automobile insurance quote is:

• Personal Injury Protection (PIP) insurance
• Property Damage Liability (PDL) insurance
• Bodily Injury Liability (BIL) insurance
• Collision Insurance
• Comprehensive Insurance

Now you know exactly what to look for in a full coverage automobile insurance quote in Florida. The amount of each type of insurance that you choose to carry should be based on your personal assessment of the risks that you face each day, the cost of the insurance and the assets which you wish to protect.

Getting the best deal on full coverage automobile insurance in Florida is a matter of determining what you want in a policy and then comparing the price for that policy among all of the insurance companies in Florida. The best way to do that is through the multitude of automobile insurance comparison websites on the internet.

Just remember that since no one comparison website makes comparisons between all of the automobile insurance companies operating in Florida you really need to spend the extra time to make your comparisons on at least 3 different websites.

Once you’ve done that then basically all that’s left is to choose the best price that you find. Happy hunting!

How To Never Make Another Car Payment

How To Never Make Another Car Payment

Car prices today compete with small houses and well-equipped mobile homes. As these price increases become more accepted by consumers, so too are the longer terms that are necessary to fit them into cost of living budgets. At one point, the magic payment amount for the retail automobile market was $200 per month. But that payment would only satisfy a loan of approximately $8000- 10000 depending on interest rates.
The average car payment today is closer to $400 per month and that’s with financial institutions stretching the terms to 72-84 and 120 months. Something has gone terribly wrong in the psyche of consumers to even imagine that an automobile will not become obsolete before it is all paid up, 6, 7 or 10 years down the road.
All they really need to do is take a look at a vehicle sold in 1995, 1997 or 1999, to get a live preview of what their new car will look like and potentially what it will be worth. Interestingly, research indicates that most Americans get bored with a car after driving it for 24-36 months. Why then would the typical financing term be 72-120 months?
At the point of purchase, most consumers tend to forget that car payments never include the cost of insurance, required maintenance and gas. When these items are added to a car payment, it can easily exceed what some people are paying in mortgages.
It’s analogous to the Middle Eastern people like Iranians whose culture practices beating themselves on the back with chains and whips. Every month, millions of Americans face the self-inflicted pain of making another car payment. Like the Iranians, they believe that if they can do it, it must be good and it will somehow make them better people in the hereafter.
A self-made millionaire, Dr. Cooper, an advocate for reversing unnecessary consumer debt has come up with a simple plan to change how we think of automobile ownership. His plan uses the same philosophy that our grand fathers grew up with, i.e. never buy anything that you cannot afford to pay for out of your own pocket.
Unfortunately, if we lived by those rules we would need traffic lights and zebra crossings on our major highways because they would be packed with pedestrians.
Well let’s share Dr. Cooper’s plan. He calls it the “Vehicle Saving Fund”. This is a basic commercial bank savings account that can be started at any local bank. To make it more meaningful to you, lets call it the “Freedom From Car Payment Fund.” Anyone can start such a fund; it does not matter if they are currently financing a vehicle.
The idea is that if you intend to be a productive member of society and enjoy the benefits of your labor you will need to have personal transportation. This is not optional for most people who do not live in a big city where public transportation is available. The fund should be considered absolutely necessary, much like the rent or mortgage, it’s a living expense.
Here is how it works; if you are currently driving a financed vehicle, resolve to pay it off in its normal term. It’s hard to keep making payment on a vehicle you do not like but that’s where the discipline becomes important. Also, resolve to put aside a small amount every month to your “Freedom From Car Payment” account. Initially, it is totally understandable that it may be a little difficult but the amount is not important, it’s the habit and the psychology of doing it that makes all the difference. You can start with as little as $5-$10-$25 just be committed to doing it every month until it becomes a habit.
You will also have to make a decision to continue driving the vehicle you are currently paying, this plan does not work if you decide that you need a new vehicle before paying off the one you are driving. The closer you are to your end of term, the better position you will be in to get what you want. But there is no rush, when you pay it off you should then begin to put the amount of your previous payment into your vehicle fund. Now with the equity in your current vehicle and your savings you can begin shopping.
Considering the prices of automobiles today, there is a high probability that because of your vehicle depreciation and the small savings, you might not have enough money to buy a new vehicle. If you do not have enough to purchase what you want, there are always other options; the first is to buy what you can afford. The alternative (worst-case scenario) is facing the dealer with no savings and having negative equity in the vehicle you are currently driving.
Strange concept, I know, but when its all said and done, transportation is transportation, it gets you from point A to point B. The only difference is what you are willing to pay to get there. For many, because of the values they hold “whatever it takes” is an appropriate answer but the mind set has to now change to discipline and the desire to stop making lifetime payments.
If you don’t have a car right now and are enjoying the bliss of not having a financial obligation to an automobile, you can begin your savings immediately so that when the time comes you will have a sizable chunk to begin your search for your new car. You are in a very good position if you are not in the market presently looking for a vehicle.
You have the time to save and plan for your next automobile. Begin the “Freedom From Car Payments Fund” today and in a couple of years you will really be much better off. Contrary to what dealers try to make you believe, car ownership does require long term planning in order to break the cycle of swapping payments every 3-4 years. It is a long term serious investment.
It’s that simple. Easy, no but simple, and it can be done. It requires discipline and patience two characteristics that are not easily harnessed in by the now generation. The obvious benefit is no car payment but you will also save on insurance and have much more disposable income for other necessities. With determination, a little vision and planning anyone can drive exactly what they want; without the burden of a monthly payment. Could that be you?

Video Surveillance Cameras Make Your Car Road-worthy

Video Surveillance Cameras Make Your Car Road-worthy

Your vehicle darts along the road, continuing to speed faster and faster. You press on the brakes, and discover you’ve lost control over the vehicle’s breaking system! Seconds later, you hit a wall. Proving Newton’s law that “for every action there is an equal and opposite reaction,” your head whips back against the headrest. The airbag, which ballooned on impact, cushions your head. With your cranium buried in the inflated airbag, you feel like a dummy, and that is precisely what you are – a crash test dummy. To optimize what they could learn from you, researchers had placed a video surveillance camera on the wall. Such cameras remain useful throughout the life of an automobile.

The Production
From start to finish, the production of an automobile is a very precise and meticulous process. Video surveillance cameras are vital in ensuring that quality control is always maintained. They are mainly used for inspecting many parts, verifying that parts have been positioned properly and in 3D guidance of robots. For instance “smart” cameras are frequently used in various stages of automobile production. The camera helps robots “learn” certain parts. The robots, in turn, use a “vision processor” to verify that a correct product has been installed.

Along an automobile assembly line, video surveillance cameras are also used to monitor the totally automated installation of the windshield and rear-window. Cameras ensure that parts, such as panels, have been positioned accurately onto the vehicle’s body.

The Testing
Many tests are conducted on automobiles. These are carried out to improve their quality and safety. One example is the crash test. High speed cameras, which can capture more frames per second than other cameras, are used. The camera helps to detail what happens to the passenger and automobile during the crash. Due to the high cost of crash tests, these cameras are invaluable in helping researchers obtain as much data as possible from the test. A video surveillance camera can be used for other types of tests on cars. For example, the road test checks whether or not the car is worthy to be driven on roads. Lastly, a video surveillance camera can be used to enforce quality control at emissions test centers, where the amount of pollutants that a vehicle produces is tested.

The Protection
In addition to assisting in the production and testing of automobiles, video surveillance cameras can also be used to safeguard automobiles from auto theft, a grave problem in America. Consider the following statistics.

* Every year, over one million vehicles are stolen in the United States.
* In 2005, the 2001 BMW M Roadster was the most frequently stolen passenger vehicle in the United States.
* In 2006, more vehicles were stolen in Las Vegas than in any other metropolitan area in the United States.

Mounted in places such as driveways, parking lots, parking garages, and car alarm stores, video surveillance cameras are valuable in protecting one’s investment. In addition to capturing visual evidence against car thieves, they also serve as a deterrent for those who are thinking about taking someone else’s Jaguar, Road Runner, or Bug.

There is no doubt that from the assembly line to the junkyard, video surveillance cameras shift gears to play vital roles in the lives of automobiles.

Automobile Tax Expenses

Automobile Tax Expenses

If you use a vehicle for conducting business, you can deduct certain automobile tax expenses from your tax bill. This is true even if you use the vehicle for personal and business needs.

Automobile Tax Expenses

The powers that be have historically written sections into the tax code promoting business activities. One of the traditional write-offs has always been the expenses associated with using a vehicle for business purposes.

The simplest automobile tax expense situation is one in which a vehicle is used entirely for business. For example, if you have a van used for a delivery service and nothing personal, all expenses associated with the van can be written off. This is known as the exclusive use situation. For many small businesses, however, a vehicle will be used for both personal and business reasons.

Where you use a vehicle for both personal and business reasons, you can only deduct the automobile expenses associated with the business use. Keep in mind that driving to and from work is not considered business mileage, while driving from an office to meet a client is considered business mileage.

There are two methods for determining deductible automobile tax expenses. The first is a simple calculation known as the standard mileage deduction. The second is the actual expenses method. You can choose whichever deduction provides you with the biggest deduction unless you lease the car. With a lease, you must use the standard mileage deduction.

The standard mileage rate deduction is a calculation wherein you multiply your total business mileage for the year by a figure provided by the IRS. For the first eight months of 2005, the figure provided by the IRS is 40.5 cents per mile. For the last four months of 2005, the figure has been bumped up to 48.5 cents to reflect high gas prices.

The actual cost expense option is exactly what it sounds like. It is the actual cost associated with using the vehicle for tax purposes for a particular tax year. Automobile tax expenses will include gas, tires, repairs, oil changes, registration costs, licensing, insurance and so on. In many cases, the actual expense deduction will end up being larger than the standard mileage deduction.

Regardless of the method you choose, you must document the automobile tax expenses. This means keeping a mileage book and receipts of anything you intend to deduct.