Auto Insurance

Competent Auto Repair Has Never Been More Important

September 2nd, 2010  |  Published in Auto Insurance

Automotive service and repair has changed dramatically over a generation, according to the National Institute for Automotive Service Excellence (ASE), an independent group that tests and certifies the competence of auto technicians nationwide.

Today, high-tech systems that were unheard of 30 years ago – anti-lock brakes, electronic engine controls and computerized diagnostics – are commonplace. It doesn’t appear that the swift pace of technological advancement will slow any time soon, either, with the advent of hybrid vehicles and such features on the horizon as interactive suspensions, constantly variable-speed transmissions and 42-volt batteries.

For automotive service professionals, this means continual training and coursework to keep up with the torrent of changes. Disparaged years ago as “grease monkeys,” mechanics today have become automotive technicians, every bit as comfortable behind a computer screen and keyboard as under the hood with a wrench.

ASE is reminding motorists to follow the service schedules listed in their owners’ manuals before making a long-distance drive. While few people would ignore an ominous service engine light, many do skip oil changes. Yet in survey after survey, ASE-certified master auto technicians say that the old-fashioned oil change is one of the most vital services for getting the most from your automotive investment.

ASE was founded in 1972 as a nonprofit, independent organization dedicated to improving the quality of automotive service and repair through the voluntary testing and certification of automotive professionals. Its 400,000 certified technicians wear blue-and-white ASE shoulder insignia and carry credentials listing their exact areas of certification. Their employers often display the ASE sign.

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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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Automotive Experts List Cool New Rides Under 18,000

July 29th, 2010  |  Published in Auto Insurance

With the average price of a new vehicle passing 25,000, it’s easy to fall into the trap of believing you have to spend a small fortune to drive anything worth writing home about. Unless you’re all about impressing your friends, neighbors and co-commuters with the size of your monthly payment, the entry end of the market is filled with a higher concentration of cool cars, trucks and SUVs than ever.

After putting together a list of all the vehicles available for less than 18,000, the editors of Kelley Blue Book’s kbb.com then picked the 10 coolest. Instead of reporting based on vehicles’ Manufacturer’s Suggested Retail Prices (MSRPs), the list is based on each model’s New Car Blue Book value, the price buyers are typically paying in the market. Your actual payment will be determined by the down payment on the vehicle and the finance rate.

The Top 10 Coolest New Cars Under 18,000

• Toyota Yaris-With a long history as a best-seller in Europe, the Toyota Yaris migrates to the U.S. as the least expensive vehicle in the Toyota lineup. Sporting unusually cool styling, Toyota quality and a 34city and 40highway MPG rating, the Yaris’ value more than exceeds its under-12,000 starting price.

• Scion xB-The xB has proven to us that, these days, it’s cool to be square. Not only does its slab-sided styling set it apart, but its boxy dimensions also mean this diminutive and fuel-efficient vehicle is a surprisingly commodious hauler of people and stuff.

• Dodge Caliber-Caliber changes the small-car game by offering a larger, more flexible interior filled with way-cool features like an air-conditioned storage bin to keep drinks cold, rear speakers that flip down to project outward from the open tailgate, a 110-volt outlet for powering small electronics and a self-charging flashlight.

• Kia Sportage-When buying your first SUV, bang-for-the-buck is a very cool thing to find. Pricing out the Kia Sportage is almost fun when you get to include a sunroof, a great stereo and a tire pressure monitor all for under 16,500.

• Chevrolet HHR-As cool as the 1940s-style exterior is, the Chevrolet HHR is equally cool for its efficient use of space and worthwhile features like remote start and the increasingly requisite iPod connector. It offers hauling ability like a compact SUV, yet it handles like a car.

• Ford Fusion-Size does matter, so getting a well-styled, contemporary midsize sedan with the roominess and comfort of the new Fusion is cool. Even better is the unexpected level of equipment for the price, including remote keyless entry, tilt steering wheel and cruise control.

• Nissan Frontier-Utility is in, and nothing’s more utilitarian than a pickup. The Frontier backs up its sharp styling with excellent ride and handling.

• Mazda3-Available as a hatchback or sedan, the Mazda3 is a deft one-two punch to the compact-car segment. We can’t decide which model we like better, but the combination of fine driving dynamics, upscale interior and arresting looks make this a “cool cars” list repeater.

• Honda Civic-You know how U2 were cool, then in the mid-90s they weren’t so cool, and now they’re as cool as ever? Well, the Civic has traveled a parallel path to regain its stature as arguably the finest economy car ever built–and cool once again.

• Scion tC-If you’re cool enough to appreciate it, the slick styling and fashionable features in the tC deliver Lexus-like technology in an affordable package. This year, the improved audio features stand out, including steering-wheel gauges and iPod connectivity.

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Automobile dealer at your service

July 22nd, 2010  |  Published in Auto Insurance

Buying a car is the second most prestigious thing after buying a house. There are two ways you can buy a vehicle you can either approach an automobile dealer or do it yourself. The procedure to buy a car from a car dealer would be simpler rather than walking directly into a company. Car dealers arrange for some useful services of automobiles loans, automobile insurance, automobile warranty, automobile refinancing and so on. Dealer financing is probably the best route for a low interest car loan as they deal in large volume.

Automobile dealer are the bridge between automobile manufacturers and customers. They are primarily engaged in retailing new and used cars, sport utility vehicles and passenger and cargo vans. If you decide to complete the trade of buying the car by yourself you might actually land up paying more than the actual price of the car.

There are different dealers for different types of purchases mainly

1.Independent dealer: Independent dealer is a dealer who deals in used vehicles only. They derive revenue by selling used private automobiles. Independent dealer is far more flexible and offers unbiased and professional advice about proper vehicle selection.
2.Franchise dealer: Franchise dealer can sell both new as well as old automobiles. While selling new automobiles they have to enter into an agreement with the manufacturer. Franchise dealers have decreased in number however their sales volume has increased.
3.Wholesale dealer: A wholesale dealer is a dealer who buys and sells at wholesale from other licensed dealers. The license permitted to a wholesale dealer does not allow him to sell on retail basis anywhere.

If youre in look out for an automobile dealer, you can easily access vehicle review, view pictures of vehicles; compare models and prices of different dealers. Automobile dealers increasingly use the internet to market new and used cars. Many websites also allow consumers to research insurance, financing, leasing, and warranty options. As a result, consumers are generally better informed and spend less time meeting with salespersons.

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Auto trends

July 15th, 2010  |  Published in Auto Insurance

Fads come and go, sometimes on a whim, other times because of outside forces. Here at the halfway point of the new millenniums first decade, car culture has sure taken some interesting turns.

Those of you who innocently took a test drive of a plain-Jane Nissan Altima when it was new in 2002, floored it, and nearly sprained your necks upon discovery of 240 horsepower, may have suspected that the standards of speed had risen a tad since the 90s. Turns out that was only the beginning. Nowadays, the Volkswagen Passat raised that same family car bar to an excessive 280 horsepower. We have little 30,000 Mitsubishis that can leave Camaros for dead. The 500-horsepower Dodge Viper suddenly seems ordinary, and the once-acclaimed Acura NSX is a joke. Whether or not youre a speed freak, there are two trickle-down benefits: the minimum standard of horsepower has risen from 55 (Geo Metro) to 103, and very few cars in any segment are truly underpowered anymore. Not a bad development.

Cars just wont stop growing. Every redesign has to be bigger than the last one; the new Toyota RAV4 is 14 inches longer than the last, and current Civics now dwarf Accords of years past. Its an inevitable force of marketing; no one wants to pay the same money for less car, right? Bigger also means heavier; our cars pack more pounds than ever.

And theres no rule that contradictory trends cant coexist. Apparently Americans expect their cars to compete with the speed of sound while also using less gas than their walking shoes. The Toyota Prius hybrid heads into its third year with unsatisfied demand, a long line, and a price premium. All this despite an ample supply of the perfectly serviceable Corolla at the same dealers. No automaker wants to be caught with their pants down, and all are rushing to market with a hybrid, even if it means using systems developed by competitors (Nissans Altima will use Toyota hardware).

We seem to want our cars with more stuff and more personality. The 90s banality in our styling is gone, even on the most banal cars like the Accord and Camry. And notice how almost every car has power windows and locks standard, and how even the Kia Rio comes with six airbags and a powerful stereo. Is it any wonder that the average car now costs 28,000?

Speaking of cars, we may be moving toward the day when that word will again apply as a general term. SUVs are suddenly for the foolish. They always have been, but now everyone seems to know it, too. Fords Explorer and Expedition are going down the drain, and the Excursion has already expired. The bigger the SUV, the bigger the sales drop. Little cars are selling better than ever, even old-timers like the Sentra and Neon.

Lastly, were going foreign, and fast. The Big Threes market share was 60% at the early part of this decade; that will stand at or below 50% by the end of it. This is hardly a new trend, but its recent acceleration is alarming. One thing for sure is that in terms of the players, the market has matured. Only two major automakers set up American bases in the 90s (Kia and Daewoo), and the 2000s have brought none.

Cars cant get bigger or faster forever, yet no one can stand still. Hybrids are hot, but the long-term experiences remain to be seen. What will become of all this automotive craziness? Check back in ten years.

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Auto Transport Tips For The First Timer

July 8th, 2010  |  Published in Auto Insurance

So, you want to have your car transported a specific location huh? And this is your first time? You must be tentative because youve never done this before and you dont want anything to go wrong, especially due to the significant investment your car has been. Transporting your automobile doesnt have to be a nightmare. A thorough understanding of how it works will help you ease your mind of the problems that may result of such.

1. Trailers

There are many transport trailer options, the most popular among these types is the open carrier transport. The open carrier transport, aside from being popular, is the least expensive mode of transporting automobiles. Usually, your automobile will be transported on haulers like the ones used to deliver new cars. These trailers have a capacity of eight to ten cars. They are around 80 feet long and 14 feet high. With their immense size they are limited to traveling on major roads that are free of possible obstacles such as trees and such. They are also limited to traveling on roads that can support its weight. These trailers cannot maneuver easily on tight turns.

This is a good way to transport automobiles – the only downside is that your car may not be that well protected against the elements, dust, and wear and tear usually associated with highway travel.

2. Enclosed Trailer Transport

This is by far the most expensive option but all that cost is worth it because your car will likely be in better shape than if it were transported via an open transport carrier. This type of transport is the best for rare, exotic, or expensive cars. Automobiles to be displayed during car shows are usually traveled using this type of transport. It provides the safest, most secure method of auto transport.

3. Self-Transport

There are other people who prefer to transport their vehicles themselves. This is the riskiest way to transport your vehicle, especially if you are unskilled in such operations. Usually this is performed by renting a trailer and driving the trailer yourself.

If you do choose this type of transport, you may want to learn more about the trailer and its operation. You should ask the owner for instruction and hints on operating such an automobile.

- Always discuss your automobile with the transport service before you agree to the terms
- Make sure the service knows what your car looks like, its dimensions, and possible problems that may be encountered when delivering
- Make sure everything is understood before closing the deal

4. Be aware of the pick up time and transport time

Pick up time is the amount of time it takes from receipt of the order to transport until your automobile is loaded unto the trailer. This time is usually 2 and 10 days. Transport services appreciate a three day allowance to find a trailer and assign your car to that trailer.

Transit time will take about 8-10 days. This depends on the destination and route taken. These trailers will usually carry about ten automobiles at the same time. And as me makes the necessary stops to deliver each automobile, he could use up a lot of time. So, it would do well to be patient during these times.

There are also deals such as guaranteed delivery and express service. These deals will make sure your car gets delivered earlier, but will cost much more. If money is no question, then by all means use every method possible to keep your automobile safe and secure.

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Auto Transport Is Easy And Safe

July 1st, 2010  |  Published in Auto Insurance

There are a variety of reasons why you may have to may have to use an auto transport service to ship your car or truck, van or SUV, when driving it from place to place just isnt practical or possible. Lucky, there are likewise a variety of ways which you can go about doing the transporting, based on your budget, or the urgency with which you need your car to arrive.

If you currently own a car and are in the process of moving, the most annoying thing to have to consider is how youll get your vehicle or vehicles from your current residence to your next one. You may be moving a great distance, or even overseas, and yet you dont have the opportunity or time to move your car by yourself. Of course, you need your car at your new home, and you need it there as soon as possible, so youll have to consult an automobile transporter to ship your car from A to B. Most transport companies, whether they ship your car by train or by truck, have fully computerized shipping services, so that you can track the status and position of your car in transit, just in case youre the worrying type.

But before you send your car on a cross country or international trip, youll want to make sure you have it in tip-top shape, and get a thorough record of inspection that will make note of your cars mileage, any noticeable dents scratches or nicks, any cracked glass, or other imperfections. Make sure that all is well covered and accounted for when you purchase insurance for your car, so that it will be made clear within the legal contract both you and the transport company will draft. This becomes important just in case any physical damage is done to your car during transport, so youll have proof and justification with which to hold the company accountable.

And then theres the question of whether to ship your car by train or by truck. In person, of course, youll probably be flying to your destination, but if you were traveling on the ground you might choose train travel over car travel just because its the romantic thing to do. But your car doesnt know anything about romance, so youll want to choose the fastest, easiest way to get it shipped so that you can minimize hassle. If you choose to go by train, the biggest inconvenience may be that you will have to pick up your car from the terminal they ship it to. Thats a problem if you want to get your car right to your new front door, or just wont have the time to head out and pick up your car from the lot theyve deposited it in. In this case, your best option is to go with shipping your automobile by truck, which, in most instances, can do direct shipment to a specific street address with a not unreasonable difference in price.

In case you need a specific date for delivery because you wont be able to receive your car at any other possible time, then it is important to let the auto transport company you choose know this, as there may be a holding fee at their terminal.

For shipping overseas, obviously the same kinds of inspections and precautions need to be taken to ensure you receive your car in the same shape you left it. Theres nothing worse than finding out weeks after youve received your car that theres a jagged scratch in the paint you didnt at first notice, and which you cant prove the company responsible for. So be cautious, be careful, and know just what you want from your automobile transporter.

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