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    Buying An Automotive Extended Service Contract

    August 26th, 2010  |  Published in Auto Insurance

    Should You Buy An Automotive Extended Service Contract?

    The decision to purchase an extended service contract or mechanical break down policy as they are sometimes called is a decision that has many variables. Depending on the age of the vehicle, the usage, how long do you plan on keeping the vehicle for are just a few questions that need to be considered.

    If you look online, some of these so called gurus who write scam pieces will tell youDont Buyits a scam. I whole heartily disagree with their opinions, I question if they have real world knowledge and experience to begin with. If they did, then I firmly believe their opinion would be other wise.

    The scam comes when you are charged outrageous and inflated prices for an extended service contract, they are not cheap to begin with, but those who exasperate the cost are the ones who are taking advantage of unsuspecting consumers. Or perhaps even requiring you to purchase as a condition of buying the vehicle, you should never be forced to buy under any circumstances.

    With automotive repair labor rates ranging easily up to 100.00 per hour or more, it doesnt take a huge repair to cost you major bucks, and with the electronics and technologies of todays automobiles, parts prices are equally as expensive.

    During my 26 years in the automotive service industry, I can recall countless and numerous times where customers wished that they had purchased, and those that did were glad they made such a sound financial decision.

    Consider the following examples of repair cost:

    Air Conditioner Repairs can easily cost 1500.00 for compressor replacements.
    Transmission Overhaul or Replacements–3000.00
    Water Pump replacements–600.00
    Power Steering Pumps and Steering Gears–600-2000.00

    However, dont be mislead into believing a mechanical break down policy covers every nut and bolt on the vehicle, there are variables and different kinds of policies as well. Some cover seals and gaskets, wear and tear items, consequential damages etc and others dont. Be aware of what it does and does not cover before buying, this will save you a lot of grief in the event you have a mechanical failure.

    It is a major decision, and one that requires weighing the advantages and disadvantages.
    My personal and professional opinion is that if you are going to use the vehicle on a daily basis, you plan on keeping for 2 years or more after the original factory warranty has expired, then you should purchase the extra protection.

    It is after all, like an insurance policy, you hope that you dont have to use it, but it will give you some peace of mind in the event that you have to have an expensive repair.

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    Body Kits

    August 19th, 2010  |  Published in Auto Insurance

    Customizing your car with body kits is all about improving the looks of your automobile. This does not mean that these accessories cannot serve more practical purposes. Body kits include ground effects, such as skirting that divert and control the amount of air that passes through the underside of the car, improving down force.

    If you want to get a race car look body kits come with instructions on how to adjust and customize your car to give it a racy appearance. Wings and spoilers are also popular body kits. They can either be placed in front or in the back of the car to reduce aerodynamic drag and increase traction during acceleration. There are also kits featuring customized hoods, fenders, side mirrors, mags and windows.

    Generally, shops that offer alterations and customization offer two kinds of body kits- fiberglass and urethane. Most drivers prefer the fiberglass body kits because they fit better and can easily be repaired. Fiberglass also looks better than urethane when finished because of its compatibility with paint. The only advantage of urethane is that it is more durable and resistant to slight impacts. The downside is that it is more expensive and more difficult to repair a damaged piece.

    A good mechanic will know what kind of body kit fits your car. A body kit has to fit first before appearance otherwise looks wont matter. Body kits have been so popular these days; they even have a television show that features the best of them.

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    Awesome Automotive Accessories!

    August 12th, 2010  |  Published in Auto Insurance

    When you purchase a vehicle chances are you want to outfit it the way you want it to look, no matter how many options or accessories may have come with it. There is just something about a car that begs for a personal touch beyond what a factory, dealership, or previous owner can give to you. Companies specializing in automotive accessories know this and have you in mind when it comes to designing and developing products they think that you will like. Lets take a look at some proven products that have been popularized by the accessories crowd.

    Car Covers — More and more car owners are opting to purchase a car cover to protect their investment. Even owners who regularly garage their vehicles know that investing in a car cover can go along way toward protecting a vehicles finish beyond what a top notch wax can do. Dust, dirt, debris, and falling objects can harm a garaged vehicle while bird poop, rain, snow, ice, pollution, tree sap, and the sun can mar the finish of a car left outside. One company, Covercraft, has designed over 600 car covers ranging from one layer basic covers to four layered covers offering top protection and fitted with side mirror pockets.

    Brake Dust Shields — How very nice it is to have a set of expensive alloy wheels on your ride. How awful it is to have those wheels looking like crap because of brake dust. A weekly chore to clean and they never look quite right! Besides, applying wheel cleaner gets expensive and tedious. Brake dust shields solve the problem as they are easily fitted into the wheel just like an inside hub cap. They are a very cost effective and inexpensive solution to a noticeable problem.

    Dash Trim — Pimp your ride! No, really! Chances are your dashboard doesnt do a whole lot for youor your car. Why not trim it with model specific dashboard trim? Made of high quality velour, dash trim looks cool and comes available in a variety of colors including red, taupe, tan, brown, black, beige, and more. Some are even covered with low pile poly carpeting for that special look. Dash trim can also protect your dashboard from cracking and reduce sun glare.

    Splash Guards — There was a time when mud flaps were basically made from rubberized material and available in just a few sizes: small, medium, and large. They never looked or fitted quite right; even though they served a useful purpose. Enter splash guards. Taking the idea of mud flaps one step further, splash guards are customized for individual models for an undeniably good looking fit. Made of durable material, splash guards are designed to match the look of nerf bars and running boards to ensure that you have a product that doesnt stand out like a sore thumb!

    Brush Guards — Owning a 4×4 means you do some off-roading or at least you travel where the average vehicle doesnt go. This can mean driving down unpaved roads surrounded by overgrown brush and branches, any of which can scratch your car or break your headlamps. With a stainless steel brush guard in place, you can prevent damage and keep your truck looking great. Combined with a center grille guard or push bar, your brush guard will help protect your truck from damage.

    Fender Flares — Bushwhacking never got better than with a brush guard and fender flares installed on your truck. With custom fitted brush guards, your front end is assured of protection, but the sides of your truck are still vulnerable. By installing fender flares, you can keep your wheels from throwing mud and dirt on the sides of your truck. Fender flares are designed to enhance the look of your truck and add value to its worth.

    Depending on your vehicle there are as many as 500 auto accessories you can purchase to give your truck, van, SUV, or car that special look; such is an industry in tune with what consumers want and need. Shop around for the best accessories available to you at the lowest prices.

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    Autos As Automatic Pollutants

    August 5th, 2010  |  Published in Auto Insurance

    Green cars now so that my daughter will have places to drive at tomorrow… this is a clamor of an American father. Air pollution is everywhere and it is a big problem for most societies.

    Air pollution is composed of many environmental factors. They include carbon monoxide, nitrates, sulfur dioxide, ozone, lead, secondhand tobacco smoke and particulate matter. Particulate matter, also known as particle pollution, is composed of solid and liquid particles within the air. It can be generated from vehicle emissions, tire fragmentation and road dust, power generation and industrial combustion, smelting and other metal processing, construction and demolition activities, residential wood burning, windblown soil, pollens, molds, forest fires, volcanic emissions and sea spray. These particles vary considerably in size, composition and origin.

    As mentioned, vehicle emission is one of the biggest components. Busy and crowded streets of the United States contribute a lot to the worsening of the air pollution problem.

    Carbon monoxide is a major component of air pollution. It is colorless, odorless and highly poisonous gas. It is associated with combustion reaction in cars and other vehicles same with cigarette smoke. Carbon monoxide is harmful because when it is received by the body, the level of oxygen decreases. High levels of CO are a threat to ones life. Small amounts of CO if being absorbed by the body in a long span of time will still cause respiratory illnesses. Too much exposure may lead to malign health problems.

    When you go to streets, there are these cars blowing out too much dark smoke. Studies show that there is a very big negative impact caused by pollution from cars and other air pollutants.
    A study explains that a persons exposure to poisonous components of air pollution may vary as much within one city as across different cities. After studying 5,000 adults for eight years, the researcher also found that exposure to traffic-related air pollutants was more highly related to mortality than were city-wide background levels. For example, those who lived near a major road were more likely to die of a cardiovascular event.

    Some research has estimated that people living in the most polluted U.S. cities could lose between 1.8 and 3.1 years because of exposure to chronic air pollution. This has led some scientists to conclude that:

    Short-term exposure to elevated levels of particle pollution is associated with a higher risk of death due to a cardiovascular event.

    Hospital admissions for several cardiovascular and pulmonary diseases rise in response to higher concentrations of particle pollution.

    Prolonged exposure to elevated levels of particle pollution is a factor in reducing overall life expectancy by a few years.

    These facts are really telling us what future awaits Americans if this situation continues. Indeed, a need to regulate vehicle smoke is needed not only for the welfare of the present time, but for the future.

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