Accessories that Protect your Vehicle

Accessories that Protect your Vehicle

There are many accessories you can purchase to protect your vehicle. Those mentioned here are just some of the most often chosen. Whether you are looking to protect the interior or exterior, measures taken to keep your vehicle looking its best and at the same time insuring retention of the vehicle’s top value will be highly beneficial when it comes time to trade it in or sell. Even if you are not looking at future values for sale, using accessories like new seat covers, floor mats or a car bra will make you proud to be seen in your vehicle as well as the protection these accessories will provide.

The front-end car bra is an accessory that will provide protection for your vehicle’s front end. Specially ordered for your vehicle, the car bra is made to fit snugly and perfectly for maximum protection. Its value is in its ability to act as a guard from road hazards such as bugs, chemicals such as tar and gravel on roadways and from pitting damage on your automobile’s grill and paint surfaces. The bra, while having an important protective feature, also gives your vehicle a classier appearance. Usually constructed of heavy vinyl and a firm padding underneath, the car bra will stand the test of time. Most vehicle bras are easy to install and remove. The benefits in adding value, protection and a sleek look to your vehicle are well worth the small investment of a car front-end bra.

Bug shields are yet another valuable protective piece you can add to your vehicle. Modern bug shields are designed aerodynamically to not only compliment the look of your car’s front end, but they also maximize fuel usage. By not allowing a pushing type of air force against the vehicle, aerodynamically made shields create an ease in air flow so that your car doesn’t have to use extra fuel to compensate for the additional pressure or work. Bug shields are great for protecting your car from road debris, excessive bug collection and chipping from stones or other road hazards.

A car cover is an essential accessory if you must leave your vehicle outside in the harsh elements of the sun, rain or snow. It will protect your car from wear and tear and the hazards of extreme weather conditions when garaging or cover protection is not available. It should fit snugly around the normally exposed portions of the vehicle. Car covers are usually made of heavy duty protecting materials that will keep the damaging weather elements away from the automobile’s painted surfaces and will protect from the above mentioned weather hazards. Car covers are especially valuable if you use them while shopping or when the vehicle is parked anywhere someone or something can bump into the vehicle and create paint or body damage.

Floor Mats are the perfect accessory to not only give your interior a new or more finished look, they are indispensable in the protection they provide against wear and tear on the floor carpet. You can purchase floor mats in most any variety of colors, styles, and designs. They are available in materials such as rubber and clear plastic to name a few. Floor mats can be made specific to your vehicle or purchased at auto parts stores. The benefits to having floor mats cannot be overstated. They can aid in comfort when driving on long road trips, they protect from shoe damage in the acceleration area of the floor and they keep everyday dirt and grime from attaching to your vehicle’s original carpet. A purchase of floor mats at nominal prices can give your vehicle protection from years of floor or carpet damage in the vehicle.

No matter what part of the world you live in, tinting your vehicle’s windows can offer protection in many ways. Window tinting has long been known to reduce the heat coming into your vehicle. Anyone that owns an automobile in the southwest will tell you that the sun’s heat (and damaging ultraviolet rays) is not only destructive, it is downright uncomfortable. So in these two ways, tinting can increase your comfort while driving and decrease fading or discoloration of the interior’s vinyl or fabric work. If you choose a safety film, you will get even more protection.

A safety film on your vehicle’s windows has been known to reduce injuries to occupants from flying shattered glass in auto accidents. If you have a large object hit your windshield, safety film may deter the object from coming directly into your vehicle and hitting any passengers. If you live in tornado or earthquake zones, this type of film can prevent injury as well by acting as a buffer between you and the shattered glass.

Lastly, but certainly not less important, seat covers have numerous benefits. Seat covers protect the material that covers the original fabric of your car’s seats. This is very important for owners that live in sun drenched areas of the world, work in conditions where your clothing is contaminated with dirt, grease, or other destructive materials and for those owners that participate in activities such as biking, hiking, or swimming (the chlorine alone is severely damaging if you are not fully dried off). Seat covers are not just about protecting, they can also provide a tailored and clean look to your vehicle’s interior.

Your vehicle will look well kept and well taken care of if you purchase seat covers before damage occurs. You can pull them off before selling or trading in your vehicle for that eye-appealing look that says you the owner took very good care of the car. Sometimes a nice and fresh looking interior will sell a vehicle even if the exterior is a bit worn.

While there are many other accessories out there for your vehicle, the ones mentioned here will go a long way in giving you peace of mind. You will know that you have done what you can to insure that your vehicle will look close to new even when it is ten years old. If you want to sell your vehicle someday, you have applied accessories that will most likely bring you maximum dollar at selling or trade-in time. You can never lose by adding protective accessories to you car.

10 Auto Insurance Myths You Should Know About

10 Auto Insurance Myths You Should Know About

The truth about fallacies of many car owners believing that the insurance premium coverage for their new car is covered, and maybe the truth just might make you change course.
(1) “No-fault insurance means, is it not my fault?” That means that your insurance company pays for your damages regardless of who’s at fault. No they don’t!

(2) “Can the color of my car affect my insurance rate?” No!
What do influence your rate are your vehicle’s year, make, model, body type, engine size, credit history and driving record.

(3)”If I lend my car to a friend and that friend is in an accident, his or her insurance company will pay for the damages…right?” Wrong!

Your car is your responsibility! And guess what, even though you weren’t present at the time of the accident, you still will receive a mark on your insurance record and your insurance premium could possibly go up.

(4) “Is my insurance rate is set by the government?” No!
The government has nothing to do with your car insurance rate. Where you live, your credit score, marital status and your driving record is what actually affects your premium.

(5) “I recently paid my insurance premium. Is my new car I just purchased is covered?”

Not necessarily. Most automobile policies require that the policyholder notify the insurance company or agent within a specified number of days, if indeed coverage is desired for the newly purchased vehicle.

(6) “Is it a fact that male driver under the age of 25 pay more for auto insurance?” Yes! Male driver under 25 years old can potentially pay more for car insurance than female drivers. However, across the board, teenagers and mature adults pay more for auto insurance, due in large part because these age groups are typically involved in more automobile accidents.

(7) “Can my credit score have any affect on my insurance rate?” Your credit score really does matter! Many Insurance companies take your credit score into consideration when deciding to increase or renew your auto insurance coverage.

(8) “Even without comprehensive coverage, am I still covered for theft, windstorms, and hail and deer accidents?” Many drivers believe that if they only purchase collision insurance, which covers accidents involving objects, that they will also be covered for incidents that involve vandalism, hail, animal accidents and fires. That simply is not true. You need to purchase both collision and comprehensive coverage in order to fully protect your vehicle from all of these situations.

(9) “Can my personal auto insurance cover both my personal and business use of my car?”

If you occasionally use your personal car for business purposes such as transporting clients, going to and from meetings or hauling business equipment, then you will more than likely need to extend your personal car insurance to cover your business use as well. Plus, if your employees use their car while working for you, you will want to also obtain a separate non-owned car insurance policy.

(10) “I’ve never had nor been involved in a car accident, do I still need automobile insurance?” Yes!

Some drivers are lucky enough never to have been or to be involved in an accident. However, if by chance you do have an accident; your risk of losing everything is great. Car insurance is the best protection you can have in the event an automobile accident occurs. It’s also a legal issue – you are required, by law, to have some basic form of auto insurance, and failing to do so carries some fairly strict punishments.

Great Features Of Power Door Locks

Great Features Of Power Door Locks

Back in the past, you needed to buy a luxury car in order to have one of those handy power door locks on your car. Everyone else was stuck with the ordinary door locks – the kind requiring you to have your key handy every time you want to unlock your vehicle. These days, however, everyone seems to own one. You see people all over, pushing their keypad to open their specific car parked somewhere in a parking lot full of cars. Hardly anyone with a newer vehicle has to suffer the extra effort of actually using their car keys to unlock their vehicle or push the door locked when they leave their car anymore.

Believe it or not, power door locks have been around for nearly a half century. This feature was initially used on a particular kind of luxury Packard. It took a number of years until this convenient feature was gradually introduced and used as a standard feature on luxury vehicles everywhere. Now, you needn’t buy a luxury car to have a power door lock as on option on your automobile.

While it’s easy to get out of the habit, you still can open and lock your door the regular way. Regular door locks are installed on every vehicle and your key still works in the lock provided on the outside of the vehicle. You may never need them but, if the battery on the remote keypad goes bad, at least you have a backup method of getting into your car.

This optional feature has some major advantages over the regular method of opening your car. For example, it’s very easy to use and you can have your arms full while still being able to open your vehicle without digging for your keys, trying to get into your car without dropping something. With this power feature, all you need to do is push the remote keypad, grab the handle and open your car door.

Another helpful thing about remote power door locks is that the remote often opens all the doors to the car at the same time. That way, if you have children, they can get themselves into the car without you having to unlock another door to let them in. In addition, if you’re putting your groceries onto the passenger seat, the door is already open for you to throw them in and hop into the driver’s side without messing with locks and keys.

There are actually two types of systems available in remotely-operated power door locks. If you have the more complex system, there will be a body controller in the automobile that monitors a specific radio frequency; when you send the correct code to the controller, it unlocks the car door. If you own the simpler system, you send a signal to actuators in the vehicle which lock or unlock the car door. There are lots of these kinds of locks available and many different companies manufacture them. If you don’t own one but want one installed after purchasing your vehicle, it takes only a couple of hours and can be installed in almost any car. The costs of such a system depend on the type of system you acquire.

No Credit Car Loans – Buying Options For People With No Credit History

No Credit Car Loans – Buying Options For People With No Credit History

Occasionally, having no credit history can be as bad as having a poor credit history. Before granting credit, lenders need to gauge an applicant’s creditworthiness. If you have no previous creditors, a prospective lender may consider you a high risk and either deny a credit application or offer a high interest rate. This applies to credit cards and automobile loans. Fortunately, there are many options available to those hoping to obtain a vehicle loan with no credit history.

Bad Credit and No Credit Auto Lenders

Automobile loans are different from other types of credit. If you have bad credit or no credit history, getting a credit card or personal loan is challenging. For the most part, these types of credits are unsecured. Hence, the creditor suffers a loss if you are unable to repay the money.

On the other hand, automobile loans are secured. Thus, some lenders specialize in bad credit or no credit car loans. In fact, auto loans are ideal for establishing credit or rebuilding credit. Unfortunately, if you have never financed a car, some lenders may charge higher fees. Here are a few tips to help you get a low rate auto loan.

Establish Credit before Applying for Auto Loan

The easiest way to get a low rate on an auto loan is to establish credit before applying. In some instances, lenders prefer applicants who have previously financed a vehicle. If you repaid a previous car loan, or maintained regular payments, lenders consider this a good sign. Hence, you may qualify for a low rate.

If you have a superb credit rating, you may qualify for super low advertised rates. Establishing a good credit history is easy. Within six months of opening a new account and making regular on-time payments, your credit score will soar.

Use a Co-signer When Applying for Auto Loan

An additional approach involves obtaining a vehicle loan with a co-debtor. If you are married, your spouse may act as a co-debtor. Moreover, young adults trying to get an auto loan may have a parent co-sign for the loan. To qualify for a low rate, the co-debtor must have good credit.

The 3m Clear Bra – A Car-Lover’s Dream Come True

The 3m Clear Bra – A Car-Lover’s Dream Come True

The 3m clear bra is a fantastic invention for any car-lover who treats his prized possession like a true friend. A mans best friend in this day and age is not always the family dog. Sometimes a car can replace a great pet and nothing hurts more than noticing that first scratch or dent on your favorite automobile. However, traditional protective bras are not the most appealing option for car owners who feverishly want to guard their investments at all costs.

The trouble with the traditional protective covering is simply due to the fact that it literally covers the magnificent machine. No real car lover wants to hide his prized automobile under an ugly rubbery surface. It doesn’t make sense to spend a lot of money on the perfect finish only to cover it up with a protective layer. Unfortunately, many car owners had no other choice, either carelessly letting the car suffer with chips and scrapes or grumpily hiding the beautiful finish.

No more such dilemma. A car lover can now choose a 3m clear bra that protects the car by creating a transparent barrier between the cars finish and the natural destructive elements. The 3m clear bra is simply a protective film that is literally painted over the cars 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 clarity degree 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 closely examined but it is not detectable from a normal distance. You will see a faint line where the 3m clear bra stops but that is definitely better than an ugly bug shield or paint chips.

Auto insurance explained

Auto insurance explained

Automobiles particularly cars are quite expensive nowadays. For many people it takes several years of hard work and lot of savings to purchase a car. So it becomes essential to secure a vehicle by the means of insurance. Automobile insurance is the best way to protect you the automobile and the huge amount invested in it.

Auto insurance is basically an agreement between an insurance company and a vehicle owner. The latter is required to pay premium at a certain fixed tenure while the former agrees to pay for any damage or loss of the vehicle. In many countries it is mandatory to have an auto insurance policy. For this policy does not just provide monetary assistance to a vehicle owner, it is also of great help while tracing a vehicle in case of theft and the like.

Once you make up your mind regarding which car (any other vehicle) to purchase, the foremost thing you ought to do is to decide the amount of liability coverage that you require. For help and further information in this area you can consult your local Department of Motor Vehicles. After you make up your mind about the liability sum, think about the type of insurance you want. There are different types of auto insurances policies available that vary according to their coverage. For instance the comprehensive auto insurance covers all cases of accident and theft of your vehicle. Whereas the Third Party, Fire and Theft insurance covers only those situations of accident when the policyholder collides his vehicle with someone else’s one. The company will not reimburse in case any other automobile hits the insured one. It is at your discretion as to which policy to adopt. The expense of the policy most often varies with its coverage. So the more a policy covers, the higher is its cost.

Thirdly look for the insurance company from where you desire to purchase your desired policy. For this purpose you can check out the sites of various insurance agencies, can acquire online quotes that are totally free of cost, make a survey in your social circle and so forth. However you should know that in order to determine the contemporary rates, companies take the help of statistical history. These rates depend on the money the required to pay on all claims and company business expenses. The rates of auto insurance policy are also related to the insurance company you choose. This is because each company offers different claim experiences with the number of people they insure. Moreover the cost of doing business i.e. the amount of money to be paid to sell and service their policies and the financial targets to achieve are different for different companies. The companies thus charge accordingly.

Along with these there are several other factors that directly affect your auto insurance rates. These are age, make and model of your vehicle, purpose served by the it, driving record, the manner in which you maintain your car and your credit ratings.

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.