Car Insurance Tips For Rental Car Users (3)

Car Insurance Tips For Rental Car Users

Plenty of insurance commercials state that by switching to their company, you will save so much a year in terms of dollars or percent. But in doing so, you may be sacrificing quality service. You don’t always have to find a new auto insurance provider just to cut costs. We have several tips to help you save money without compromising service.

Consider car pooling or public transportation if you are trying to reduce your auto insurance premiums. Many carriers offer lower rates for drivers who do not exceed 7,500 miles per year. If you live in an urban area with robust mass transit or have car pooling options, you may save significant money by reducing your annual mileage.

It’s important to consider your insurance deductible and decide whether to go with a lower or higher deductible. A higher deductible will mean a lower monthly payment, but more out of pocket in the event of an accident. A lower deductible generally means a higher rate, but it might be easier to come up with the lower amount if you are at fault in an accident.

Being an auto dealership can have it’s insurance perks. You must maintain insurance policies on the vehicles you carry, but you can get a deal for this through dealers insurance. These policies will allow you to drive any of the company owned cars, essentially eliminating the need for personal auto insurance.

If you can decrease your annual mileage, you can expect a decrease in cost for your automobile policy. Insurance companies normally estimate that you will drive around 12,000 miles per year. If you can lower this number, or are someone who does not drive that far that often, you may see a reduction. Be sure that you are honest about your miles since the insurance company may want proof.

If you are a teen driver, attend driver’s ed to lower your insurance rates. Drivers, especially new teen drivers, are looked at as less of a risk by insurance companies as they have obtained driving training and are more aware of the rules and laws of the road. For this reason, an insurance provider will lower rates of teen drivers who took driver’s ed either in school or independently.

Car insurance protects you and other people in case of an accident. It is also to protect the bank that still owns your car. If the car gets totaled, your insurance company will be responsible for paying the amount due on the car, as well as what it is worth.

Start carpooling. Many car insurance providers will charge you less if you do not drive your vehicle often. If you drive less than 7,500 miles a year, your premiums might be significantly lower. If you are unable to carpool, try taking the bus or some other form of public transportation.

When you use these tips to help cut your auto insurance costs, you should be able to stay with your current auto insurance provider. If you do decide that it is worth your while to switch insurance companies and reap the savings as a new subscriber, be sure to use these tips to keep your costs down with them as well.

How To Find Affordable Automobile Insurance In Washington

How To Find Affordable Automobile Insurance In Washington

No one wants to pay more than they absolutely have to for automobile insurance. In Washington State many factors can play a part in your auto insurance premiums. By law, insurance companies in Washington can take many different things into consideration when giving you a quote. These range from your age to your credit history. Even though you can’t control some of these factors, there are things you can do to help ensure you find a more affordable rate.

The type of vehicle you drive obviously plays a huge part in determining how much you’ll ultimately pay in automobile insurance. Not only do some cars cost more to purchase, they also cost more to repair. Insurance companies realize this as well, and you may notice this reflected in your auto insurance premiums. Consider buying a more affordable car and watch your insurance rates drop.

Some auto insurance companies offer incentives, in the form of rebates, if you take extra precautions with your vehicle. Typically this means that if you install a car alarm, you may be eligible for a lowered premium. You’ll need to show proof of the alarm installation which might be an in-person visit to the insurance company’s office or perhaps a receipt for the work done. In either case, it’s worth asking about. Not only will you save some money in premiums, your car stands less of a chance of being broken into or stolen.

Ask any potential Washington auto insurance companies about a reduction in premiums if you take a higher deductible. Although this is going to cost you more in the event of an accident, overall it should yield an attractive savings in your annual insurance costs. Most policies come with a standard level of deductible, so make it a point to inquire before you agree to the policy.

Florida Car Insurance

Florida Car Insurance

Florida drivers have a minimum requirement for automobile insurance, which includes death, or injury for ten thousand dollars, twenty thousand for one accident and only ten thousand for property damage. Drivers do not have to carry comprehensive or collision on vehicles unless they need to for other reasons such as a lien holder requires them to.

Florida car insurance companies have many different insurance companies that offer good rates for good drivers. High-risk drivers will pay a higher premium than what a low risk driver will. There are automobile insurance companies that require you furnish all information to obtain car insurance from their company. The rates where created when the insurance companies took all drivers in Florida and combined all the information into a computer which then helps them to set up rates for good drivers, moderate drivers and high-risk drivers.

Auto insurance quotes for high-risk drivers will be higher then those for a low risk driver. These companies make money because of a need in the market for high-risk drivers to have insurance in order to drive. The eligibly requirements from company to company vary; therefore, comparing car insurance rates is always necessary. If an automobile insurance company will not insure you because you are high-risk, you need to keep looking until you find one to insure you, even if the premium is high.

A high-risk driver pays a very high premium when living in Florida. If you are single and have a bad driving record, your insurance rate reflects a high monthly premium. When living in Florida, you need to pay very close attention to your infractions to have insurance you can afford.

If you live in Florida, you need to carry proof of insurance as this is a serious offense and can result in fines and/or suspension of your driver’s license. Florida car insurance is mandatory and judges have been known to impose stiff sentences and take cars that do not have insurance on them. If you go to license a new vehicle or renew your plates, you need to provide proof of car insurance, which is liability. All states have the some form of punishments for failure to provide proof of automobile insurance.

If you have automobile insurance from a Florida car insurance company, your insurance is proof in all states as being insured when driving. If you have an accident while traveling in the United States, you are subject to the same penalties but they do recognize your insurance from Florida. You need to carry proof of insurance wherever you travel to insure if you are stopped even for a speeding ticket, you can prove you have insurance.

Uninsured motorists insurance covers if the other driver does not have insurance or you are involved in a hit and run of your vehicle. The underinsured motorist’s coverage pays for anything the other driver’s car insurance may not cover because of having minimum insurance coverage. Once you understand the basics of the car insurance policy, it is easier to find the right auto insurance coverage that will protect you from any potential financial problems because of insufficient coverage. Always have enough coverage even if the minimum required insurance for your state is lower. This will protect you from any loss due to a lawsuit for injury or death from an accident.

How To Get Cheap Automobile Insurance Online In Maryland

How To Get Cheap Automobile Insurance Online In Maryland

In Maryland there are three different types of automobile insurance that you are required to have before you can drive any motorized vehicle on any public Maryland road: you must have liability insurance, uninsured motorist (UM) insurance and you must have personal injury protection (PIP) insurance.

As you can imagine, paying for even these three basic forms of automobile insurance in Maryland can be fairly costly, but if your vehicle is being financed then your financing company will require that you also carry collision insurance plus comprehensive insurance. And depending on how new your vehicle is and its value, you may be required to carry more insurance than the state’s minimum requirements.

All of this can drive the cost of insuring your automobile out of reach for many people. Fortunately there are a few steps you can take to reduce your cost of automobile insurance.

Start by keeping your driving record clean. Basically this means that every time you get behind the wheel of your vehicle you drive in a safe and legal manner. If you are caught speeding and get a ticket your automobile insurance rates are going to go sky-high.

Similarly, if you are convicted of drunken or impaired driving your rates will skyrocket and stay high for years to come.

Multiple accidents will also cause your rates to rise.

If you’re young, under 25, then you already know that your automobile insurance rates are high. If you’re in school stay in school and study hard. Students who can maintain a “B” grade point average or better can qualify for a Good Student Discount on their car insurance. This usually translates into a savings of about 5% per month.

Older drivers, those 55 or older may have noticed that their automobile insurance rates have begun creeping up. Ask your insurance agent if your insurance company offers a driver’s refresher course. Many companies will lower your premiums by up to 10% if you successfully pass such a course.

If your vehicle is older or in beat-up shape and has little or no Kelly Blue Book value then there’s no point in paying for comprehensive and collision coverage since your insurance company will pay little or nothing on these coverages even if you do carry them.

Probably the area where you have the most control over your automobile insurance costs is your deductible. Your deductible is the amount of money you promise to pay out of your own pocket any time you make a claim. The more you are willing to pay – in other words, the higher your deductible – and the less your insurance company has to pay, then the lower your monthly premiums will be.

Now that you’ve set up a policy with all of the necessary parameters for low premiums, it’s time for you to jump online and start comparing policies and prices from a variety of different automobile insurance companies at a few of the many sites specially set-up for making comparisons.

Since no one site compares all of the automobile insurance companies in Maryland it is an excellent idea to fill out all of the information on at least two and preferably three different comparison sites. In this way you will be virtually certain of getting the cheapest automobile insurance that you can possible find online in the state of Maryland.

Mazda To Introduce CX-9 At New York Auto Show

Mazda To Introduce CX-9 At New York Auto Show

Another auto show is yet to hit the automobile world and automobile manufacturers are sprucing up their vehicles to make them shine under the spotlight. Come the 14th of April up until the 23rd of the same month this year, the 2006 New York International Automobile Show (NYIAS) would be underway.

The auto show chairman, John LaSorsa, was caught saying, “There are more all-new cars and trucks coming to the 2006 Show than we’ve ever seen before. From the luxury new S-class Mercedes and Jaguar XK Convertible to the nimble and fuel efficient Nissan Versa and Honda Fit, the Javits Center will be overflowing with completely new and re-styled 2006 and ’07 model year vehicles.”

One of the vehicles that would be hitting and bagging in the attention of this car show’s audience would be the new vehicle from the Mazda Motor Company. The Mazda North American Operations (MNAO) has sent out a press release informing the public that come the NYIAS, the all-new 2007 Mazda CX-9 vehicle would be unveiled and introduced to the public for the first time.

What is the 2007 Mazda CX-9? It is a crossover sport utility vehicle and it has the capacity to take in some seven passengers in its interior. Come the early months of 2007, this crossover vehicle would then be hitting Mazda dealerships, although the company admits that this vehicle has been specially crafted, designed, and engineered for North America only. It holds a new set of style and design as well as sophistication, space, and versatility. This is because the CX-9 is a vehicle that would one of the breakaways from the traditional boxy sport utility vehicles in the US automobile market.

According to Jim O’Sullivan, the MNAO’s president and CEO, “The North American market continues to play a leading role in Mazda Motor Corporation’s global future and financial health. The all-new CX-7 and CX-9 were engineered specifically for North America to help us fulfill ambitious goals. The CX-9 has traits only a Mazda SUV could have: strong performance, agile handling, precise steering, and superior quality and craftsmanship.”

New Car Launches in India in 2005

New Car Launches in India in 2005

The Indian car industry has gathered steam only in the last decade. Just imagine – 15 years back, there were only two cars being manufactured in India, the vintage Hindustan Ambassador and the venerable Premier Padmini. The Ambassador was the Indian version of the Morris Oxford, while the Padmini was based on an ancient Fiat model. Compare that to today, when every major automobile manufacturer has its cars on the road in India. 2005 is the year when India is poised to see more automobile launches that before. Let’s take a look at the vehicles that are expected.
Toyota Innova
Toyota has three vehicles in the Indian market – the Toyota Qualis, Camry and Corolla. The Qualis is the most outdated of the lot, with the looks of a breadbox. However, this model was extremely succesful in India due to its reliability and was used by many taxi operators in the country. Toyota has just withdrawn the vehicle from the market, and is about to introduce the Innova, a much more modern MPV in the minivan mould that can hold its own amongst the latest international vehicles. The pricing is expected to be around that of the now-extinct Qualis, making it approachable for the Indian middle-class.
Skoda Fabia
Skoda will be launching its small car Fabia in India by mid-2005. While the ocompany has yet not decided on whether the model in India should be a sedan, hatchback or estate, this car is bound to have a following. This is partly due to the tremendous reputation Skoda enjoys in India due to its highly succesful Octavia range. The power unit too is still undecided, but what we believe is that it will be priced at the same level as Honda’s highly succesful small car, the Honda City.
Chevrolet Aveo
Maruti Suzuki Swift
Maruti is India’s most succesful automobile company, and Suzuki recently acquired a controlling stake in it. The Swift will be Maruti’s first radical, contemporary vehicle. The company has always preferred to play it safe, and has introduced tried-and-tested vehicle models from the Suzuki stable. The Swift is based on Suzuki’s famous Concept S design unveiled at teh 2002 Paris Auto Show, and will be launched in India with the reliable Maruti Esteem’s (an older Suzuki Swift version) 1300 cc petrol engine in India.
Toyota Fortuner
The Fortuner will be launched in the later half 2005 in India. It is a small-SUV which should give a run to the Honda CR-V which rules th SUV market in India now. The Fortuner is based on the same platform as the Innova. Excellent styling, car-like interiors and slightly cheaper pricing that its competitors will see it doing well in the Indian market. This ladder-on-chassis, common rail diesel engine (CRDI) seems to the perfect recipe for the penny-pinching but power-loving Indian.
Ford Fusion
The Fusion has already been launched in India. It is a small car, but with SUV style. The car is positioned in India as vehicle for the active young driver who has a family. The car is powered by a 16 Valve, 1600 cc light-weight alloy engine that is good enough for around 100 bhp. The reviewers have loved it, and the market seems to be falling for it too, though it is too early to tell.
There are some other cars too – such as the Chevrolet Aveo and the Hyundai Tucson – but details are still not forthcoming at this point.

Mobility Scooter and Wheelchair Lifts for Your Vehicles

Mobility Scooter and Wheelchair Lifts for Your Vehicles

The mobility scooter and the wheelchair are two of the useful medical inventions that are of enormous help to both the handicapped and the elderly. A tandem innovation for these medical equipment is the lift, which can easily bring up electric powered mobility devices (mobility scooter and wheelchairs) on a vehicle’s floor.

A mobility scooter or wheelchair lift can be dismantled and can be easily stored, making it good paraphernalia for enabling a weak or disabled individual a ride into an automobile and at the same time allowing the scooter or wheelchair to be transported inside a vehicle.

There are two major types of vehicle scooter/wheelchair lifts:

(1) Those that can be placed inside the automobile or internal.
(2) Those that must stay outside the automobile or external.

The type of scooter/wheelchair vehicle lift may depend on certain factors, such as the mobility equipment that would be carried and how the lift would be stored.

Internal lifts, or also referred to as inside vehicle lifts, are obviously the type of lifts that you can place inside the vehicle. Such type of scooter/wheelchair lifts may be supplied with either manual or electric power. Some large vehicles, such as SUVs and vans, already have built-in lifts for the passenger’s scooter/wheelchair.

A large space in the vehicle’s back or compartment must be taken into consideration when choosing an internal lift to ensure that both the mobility equipment and its corresponding lift will be accommodated. One primary advantage of internal lifts is that you do not have to worry about weather conditions because your mobility aid is safe, protected, and dry inside the vehicle.

The second major type of vehicle lift is one installed on the outside of the vehicle, usually at the back. External vehicle lifts must be strong enough to carry the mobility scooter and wheelchair all throughout the travel. External automobile lifts have platforms that tilt back for you to wheel the scooter or wheelchair to have it carried by the car or van.

Some external automobile lifts are designed like an elevator where you veer in your mobility device into a platform and will easily and securely raise the wheelchair on the level of the vehicle’s floor or just a few inches above the floor or ground.

Such vehicle lift may expose your mobility device to adverse weather condition like rain or snow. This can cause possible damage. However, there is really no need to worry because covers are available to protect your scooter/wheelchair. External lifts are also foldable and can be securely attached at the back of the vehicle.

Choosing the most suitable vehicle lift in terms of function and comfort depends on several factors, such as features, operation, and installation of particular lifts.

Some have hand-held control buttons and devices, as well as alerts and warnings to identify unsafe conditions. Not all features should be added though, so choose only those that are importantly functional.

Different lift models may vary with some specifications, hence asking reliable professionals or manufacturers about the details of the product is recommended. Basic knowledge and information regarding these vehicle lifts (both internal and external) will help you purchase the best mobility scooter or wheelchair lift for your vehicle type.

To Purchase A Full Size Sedan

To Purchase A Full Size Sedan

In the United States, this vehicle is known as the sedan. However, if you travel to those areas where British English is spoken, you would come to know that it is not known as the sedan there but as a saloon. The sedan is known as one of the most common body styles of an automobile. The most basic parts of a sedan comprise of a hood that covers the engine in the front, the passenger car itself, and a separate trunk for luggage which is typically found at the rear of the vehicle.

If you are opting to purchase a sedan for yourself, the first thing to do would be to find out just how much are you willing to spend on this type of car. The price for full size sedans range from around $16,000 to $30,000. Also, it is very much recommended that you also try to think just what features do you want your vehicle to hold. You can decide which one is the most important among safety, performance, value, handling, comfort, reliability, dealer service, appearance, interior room and space, amount of cargo, and gas mileage.

Take out a pen and a piece of paper and start listing down the makes and models of vehicles that you would want to consider. You can do some research on these sedans you have listed. To assist you, there are automobile magazines that provide reviews and vehicle specifications. Also, you can just log in to the Internet and there are plenty of pieces of information on vehicles. If you are concerned about safety, you can check out crash test data from various organizations who do them like the Insurance Institute for Highway Safety (IIHS) which holds and publishes vehicle ratings at their website at www.hwysafety.org.

You may also want to consider the resale value of your vehicle. You see, the value of full size sedans dwindle down for each year. So you may want to put that into perspective. Also try talking to insurance companies about your choices for your full size vehicle. Remember that any piece of information regarding costs and other vehicle specification would help you out a lot in deciding which full size sedan could fit your lifestyle, your needs, your wants, as well as your budget.

In addition, Car Parts Rush makes sure it has a superior stock of Jeep parts and other vehicle parts to assist vehicle owners in preserving the quality, agility, and performance of their vehicles. The parts are made from high quality materials and are offered at low discount prices.

Auto Leasing Basics

Auto Leasing Basics

There’s a shiny new Pontiac G6 parked in your next-door neighbor’s driveway. Standing proudly next to it is a gleaming new Jeep Grand Cherokee. This is the second time in four years that your neighbor and his wife have driven home on brand-new sets of wheels. Unless you live right next to state lottery winners or an organized crime family, there could be a more plausible explanation for your neighbors’ seemingly good fortune: they might be leasing.
What is automotive leasing?
Automobile leasing is paying for the use of the car, rather than paying for the car itself. Monthly lease payments are based on the projected cost of the vehicle’s depreciation over the period covered by the lease. For instance, suppose you lease a car valued at $20,000. Over the course of a three-year lease term, let’s suppose the car depreciates in value to $10,500. This depreciated value, also called the vehicle’s residual value, is subtracted from the car’s initial value. The difference between the two values, in this case $9,500, is what you will be paying for the duration of the lease. Leases typically last for two four years, with leases on high-end vehicles and luxury cars sometimes stretching up to five years. When your lease expires, you have the option of either buying the vehicle or moving on to a new lease.
What are the benefits and drawbacks of leasing?
Monthly lease payments are generally lower than monthly loan payments on the same vehicle, assuming that the lease and the loan have the same duration. Leasing lets you drive a new vehicle every few years depending on the length of your lease. Additionally, leasing allows you to drive a more expensive and feature-packed vehicle for the same monthly payment you’d be making to buy a lower-priced model. Your leased vehicle comes with a warranty while it’s in your use. Furthermore, automobile leasing saves you the trouble of selling your used car or trading it in when you’re ready to buy a new one. Moreover, you may also write off a portion of your lease payments as a business expense if you have a legitimate business use for the vehicle. Ask a qualified accountant or tax professional about the eligibility requirements for the tax write-off.
While leasing offers several benefits, it also has its share of drawbacks. One disadvantage is that vehicles on lease programs have annual mileage limits, usually 15,000 miles per year. If you exceed the mileage limit, you will be charged a predetermined amount for every excess mile. Another drawback to leasing is the slew of fees and charges that you will have to pay at the beginning and end of the lease. Among these additional fees are the lease acquisition fee, the lease disposal fee, and the lease finance charge. There are also extra charges for extended warranties, insurance coverage, and other items. Furthermore, if you terminate the lease before the lease period is over, you will be assessed an early termination penalty. Another disadvantage to leasing is that you will have to return the vehicle when the lease expires, unless you choose to purchase the vehicle at lease-end.

Videos Make Buying Cars Easier

Videos Make Buying Cars Easier

Small business owners are using a very effective method of advertising to sell cars. They have incorporated the use of video technologies to offer automobiles for sale to the public and let them view these automobiles on their television. These automobile videos are a good way for people to see the true image of an automobile before they drive to a lot and talk to a salesperson.

Any car dealership could have thousands of automobiles on a lot at any given time. People can access some car dealerships on line, and spend the afternoon looking at each one on video tape if they so choose. The seller is always given an option of using videos to sell the car, and those that choose this option often sell their automobile quicker than someone who did not.

Several cable networks offer community bulletin boards which feature video ads to sell a variety of items. For one low fee, the average person can put their automobile up for sale and tape a video of the car while it is sitting in their driveway. These ads also provide the specifics of the sale offer on video for people throughout the local community to view at any time during the month.

While videos make buying cars easier, they can never replace the need for a person to make a personal inspection of the automobile. The videos used to sell cars will provide people with contact information so that they can arrange for an inspection of the vehicle when it is convenient for both parties. These videos can also serve to protect the public if there is a problem with the car shortly after sale. The condition of the automobile and the terms of sale are captured on video tape and can be used in court.

Some businesses organize car auctions and record videos of each automobile so that people in the back can view the automobile up close. There are usually several angles taken on video that will give a potential buyer a view of the automobile from the front, side, and rear. People truly enjoy being able to see video images of the interior of the car that include the front and backseat views.

Videos can prove very useful when they are used to sell cars, boats, and items used in water sports such as jet skis. Many car dealerships provide security on their automobile sales lot by running video cameras all night to record any type of vandalism or destruction that occurs on their property during the day, or at night. Some insurance companies give discounts on their insurance policies if video cameras are in use all of the time at a business.