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Saturday, June 7, 2008

Every Drive Wonders How They Can Get Cheap Car Insurance

Every Drive Wonders How They Can Get Cheap Car Insurance

Do you want to save money on your car insurance? Who don't?

The article below can show you some tips about that.

Cheapest Car Insurance
Author: Elizabeth Newberry

Every drive wonders how they can get cheap car insurance.
Insurance premiums are constantly on the rise, but there are
many ways people can save money on their insurance. Cheap car
insurance does not mean cheap quality with these money-saving

First, think about installing an anti-theft device on your car,
if it does not have one. Insurance companies offer discounts for
cars that have anti-theft devices. Also, if you are shopping for
a new car, you may receive even more discounts by purchasing a
car with window sketching.

Second, owning multiple vehicles is another way to get a
discount on your insurance. Now, not everyone has or even needs
two cars, but if you had a car you were thinking of getting rid
of, you may want to consider keeping it with a simple policy in
order to keep the lower-cost insurance.

When calculating your mileage to and from work, be very
careful. Of course, you want to be truthful, but do not round
your mileage up. Your mileage is one way the insurance company
decides what class, and price range, to put you in.

Consider buying a yearly policy, rather than a six-month
policy. With a yearly policy, your rate will not change for
twelve months. If you have a claim during this time, you can
keep the lower rate a little longer.

Another trick to finding chap car insurance is to raise your
deductible. Of course, you will need to check with your lending
institution if you have a loan to find out what is acceptable to
them, but the higher your deductible, the cheaper your car
insurance will be. These are just a few simple tricks to finding
cheap car insurance. With a little creativity, you can save a
lot of money on this sometimes expensive necessity.

About The Author:

Thursday, June 5, 2008

Your Car Care Reflets Yourself?

Your Car Care Reflets Yourself?

Mark Robinson has a valuable article about the relationship between you and your car care. Maybe you think: it is not important.

However, after reading this article I have changed my idea. the appearance of the car can reflect who is its owner, do believe that?

I recommend to read this article below. Take care!

Title: Car Care & Personal Flair
Author: Mark Robinson


No matter how old your car is, it's all about how you really
take care of it. Your car is not only a valuable hardware that
takes you to, and from, work, family outings or your gang's
escapades. It does not only help you in times of emergency trips
(not easy to get a cab in the middle of the night.)

While you may value your PC and cell phone as your most
indispensable tools, your car is your unsung hero. It is the
first thing you see and use, the moment you step out of your
house; it is the last thing you see before you end your day and
"park" yourself in the comforts of your home.

You mustn't have realized that, if not properly maintained and
cared for, your car could be the first thing that could ruin
your day if it doesn't start, or if it suddenly stalls midway to
your office or to that life-changing executive meeting.


While you take so much pride in your gadgets, e.g., iPone,
iPod, laptop, etc., as reflective of who and what you are, you
must not neglect that your car is your main show window when
you're out there in the sun. It is sad to note that while some
owners take a lot of effort in getting the right car color,
accessories, model and brand that would "fit their
personalities," they forget to consider that how they maintain
and care for this same car several years later is what would
really reflect on their personalities.

For a city dweller, driving around with days-old mud on your
fenders, when it's not even raining, is like walking around the
office with muddy shoes. For some, this is ok. This is precisely
what we're talking about—different personality characteristics.

Here are some comparisons that may surprise you:

• Your car have some "funny" out-of-place noise, emits a lot of
smoke, frequently stalls – do you exercise or at least engage in
some sweat- inducing sports like tennis, badminton, or
occasional basketball? It would be a good project to conduct a
survey in parking spaces of spas, gyms, and other sports
facilities and see what percentage of cars are out of shape
(regardless of age!)

• When someone enters your car, a "funny" smell welcomes
him/her (you might not know this anymore as you got immune to
it) – are you particular about your hygiene? Do you wear the
same clothes for more than a day? How about showers?

• Days-old dust on your windshield, misaligned bumper, mud on
fenders, bird droppings on hood – do you pay attention to the
clothes you wear? How about your hair? And, in worst cases, are
your teeth yellowish or brownish with nicotine?


Regardless of the age of your car, the following comparisons
would still apply:

• Great stereo set-up – is your cell phone the latest or at
least the "smart" loaded-full of features one?

• Clean, waxed, shiny condition rain or shine – are you fashion
conscious, or at least someone who have a good taste in clothes?

And most importantly:

• Your car performs well and looks well despite its age – are
you the dependable type? The leader? Takes care of things?
Responsible? And, regardless of your physical features and age,
are you the "attractive" type?

Don't neglect your car and project a winning personality.

About The Author: Mark Robinson writes for

Tuesday, May 27, 2008

The Importance Of Car Insurance Quotes

The Importance Of Car Insurance Quotes

By Mark Robinson

When you consider buying car insurance, you are sure to get
confused on the right company to approach for your car insurance
policy. This is because there are so many companies offering
different types of policies, at different interest rates. So to
help you make your decision, it is better to get as many car
insurance quotes so that you can compare and decide on the best
insurance policy for your car.

The internet is the best place for you to start with car
insurance quotes. There are many insurance companies here having
websites providing information about their insurance policies.
It is better to approach the more famous and reliable companies
as they are a safer option for your car insurance policy.

On visiting their websites, you will find an online insurance
quote form which you will have to fill out to get your quote
from the company. All you have to do is to provide some basic
and fundamental information about yourself on the form. On
receiving the form, you will receive the car insurance quote
within a matter of minutes.

Your age, the model of the car you own, your gender and the
rate of your car all influence your car insurance quote. The
more expensive the car is, and the more difficult it is to get
spare parts for the car, the higher will be the car insurance
quote. Additionally, women and middle aged people call for lower
insurance quotes as they are considered to be safer drivers.

Besides using the internet to get your car insurance quotes,
you can always approach the car insurance companies personally
and make a request for a quote. You will then be asked to fill
out a form, wherein the quote will be sent to you by post. Not
only will you not be able to get many insurance quotes on
visiting insurance companies personally, you don't receive these
quotes immediately.

This is why many people prefer getting their insurance quotes
through the internet. This is because they will be able to get
more quotes within a day, and be able to make comparisons
amongst the quotes. In fact, you can also request for a few
quotes from a single company, while changing the cost and
interest rate of the insurance policy.

The insurance quote does not actually promise you a car
insurance policy; it only gives you a rough estimate about the
car insurance policy. it is only after you receive the quotes,
make comparisons and decide on the company offering the best
interest rates do you approach them for your car insurance

So it can be said that by getting and comparing car insurance
quotes, you stand to save lots of money. This is because it is
not always that the first company you find offers you the best
interest rates. There are other companies that offer discounts
and packages that will help you save money. And it is only
through car insurance quotes that you learn about the best car
insurance policy for yourself.

About The Author: Mark Robinson writes for

Friday, May 23, 2008

Specific Aspects Car Insurance For A New Car

Specific Aspects Car Insurance For A New Car

A new car necessarily is related the safe from new car. The problem is to choose the item that will be insured, isn't it?

when I bought my first new car it was a problem, therefore I did not make idea which the type of insurance I would have to buy.

Well, I do recommend to read the article below. It can help you to have some extra information to your decisions

================== ARTICLE START ==================

Car Insurance For A New Car

Author: Mark Robinson

There are many items you can choose with car insurance such as
liability only, comp and collision, roadside service, and much
more. You can even choose the deductible or amount of the
coverage you need for specific aspects of car insurance. When
you look at a new car there are a few things to consider
regarding insurance. First you need to make sure you have enough
coverage on the policy to cover total destruction of the vehicle
in order to have the insurance claim come through for you.
However I have gotten ahead. Taking a step back let's look at a
few options in buying a new car.

When you purchase a new car you may have paid for it out right,
leased it, or obtained a car loan. If you have leased the car or
obtained a car loan you are required by the banks to have a
certain amount of insurance and type of insurance. For the
purposes of this article we are going to concentrate on what a
bank will require of you when you have a loan or lease.

The car insurance you must have when the car has a loan or
lease is liability, comprehensive, and collision insurance. This
can run you a rather high premium as the comp and collision
usually cost a bit more. The reason the banks require comp and
collision is that they need to know the car is fully covered in
case there is an accident. The banks in other words need to know
they will still get the pay off on the loan even if the car is
considered completely damaged. They also ask that you have a
certain amount of coverage regarding medical, uninsured motorist
and other aspects of the full car insurance coverage. When you
have comp and collision you are usually covered for animal
damage, fire, and other destruction.

Luckily you are not required to have roadside service or a
rental car replacement if the car does go into the garage for
work. When you have a new car or a newer car it really is
important to make sure everything is covered properly. As you
may have found most of the newer cars are so complicated that
they require a mechanic trained on the computers and other
machines used at the garage to fix even minor issues. Simply
replacing the oil in your car can be a hassle depending on the
make and model. When you are covered with the proper car
insurance whether it is with a loan or lease purchase you will
be able to make sure you are covered in the event of accidents
whether they are your fault, no fault, or the fault of another

When you change cars you will have to change your coverage. The
car insurance company is usually going to tell you that you have
to up your insurance when you have a loan or lease. They will
also ask this question and it is important to be truthful as
they will check and refuse any policy if you have lied.

About The Author: Mark Robinson writes for

Friday, May 2, 2008

Lady Students Can Get Cheap Car Insurance

Lady Students Can Get Cheap Car Insurance

You have just got into University. And you have a car and you want use it to go to study.

However you are think: and what about my car insurance policy? I recommend to read this article from Elizabeth Newberry. It will help you to get cheap car insurance information.

Cheap Car Insurance For Lady Students

Author: Elizabeth Newberry

If you are a lady student, you probably feel like you have the
weight of the world on your shoulders. You are in class
everyday, paying attention, taking notes, doing your part to
participate in class, only to run back to your dorm at the end
of the day to get ready for an evening's worth of work. After
all, someone has to pay for your food and credit cards, right?
Instead of leaving work for a nice, relaxing night of sleep, you
head to the library to study for a big exam in the morning.

Stress, stress, stress!

One thing that does not have to stress you out is your car
insurance policy. You see, since you are a lady student, you are
actually eligible for two different ways to get cheap car
insurance: the fact that you're female, and your student status.

If you have purchased a car insurance policy on your own, your
gender could get you a discount. Statistically speaking, lady
drivers are safer drivers than gentleman drivers. This doesn't
necessarily mean that female drivers are better at driving than
male drivers, but it does mean that the majority of lady drivers
drives safer cars, gets fewer traffic tickets, and is involved
in fewer car accidents than gentlemen drivers. Therefore, car
insurance companies are more likely to give cheap car insurance
to lady drivers than to gentlemen drivers. So, if you're looking
for cheap car insurance for yourself, make sure to ask the
insurance company about discounts for lady drivers.

If you can't afford to purchase your own car insurance policy –
period – consider staying on your parents' car insurance policy.
It's better than driving illegally, and you can pay them for
your part of the bill. Your parents' will get a discount for
having more than one car on their car insurance policy, and your
status as a student may even get them an additional discount.

About The Author:

Monday, April 21, 2008

Car Insurance And Traffic Tickets – Why Careful Driving Is Going To Pay Off

Car Insurance And Traffic Tickets – Why Careful Driving Is Going To Pay Off

Author: Brian Hickie

Answer this question: how much does your car insurance cost you
each month? If you are like most people, you probably won't know
the exact answer to this question right off the bat. You
probably could guess, but you don't know how much money you are
spending each and every month on your car insurance.

Car insurance is an expensive part of your budget and if you
don't know the details, you are definitely throwing money down
the drain. The next question that you are going to see if you
can answer is how much money getting a speeding ticket or other
moving violation is going to cost you? You probably could guess
that a speeding ticket is going to cost you between $100 and
$250, but you probably haven't thought about the cost of the
increase in your car insurance. Suddenly that cheap car
insurance plan that you bought is not so cheap anymore!

Driving carefully is definitely going to save you a lot of
money over the course of a year. Take this example: you get a
speeding ticket for going twelve miles over the posted speed
limit and you get a ticket for $150. You pay the ticket and
think all of your troubles are finished only to get a letter
from your car insurance company saying that your car insurance
premium is going to increase by 10%, so now, instead of $60 per
month, your car insurance is going to be $66. So much for cheap
car insurance.

When this happens, you usually have only two options. The first
option is to do nothing. This would mean that you are going to
pay that extra $6 a month and not complain. Over the course of a
year, that means you are going to pay an extra $72 for your car
insurance, without even adding in the cost of the traffic

The second option is to change insurance companies. This will
entail going out and getting car insurance quotes. Once you have
these car insurance quotes, you are going to have to compare
them to see if you are truly going to get a better deal with the
new company or whether or not you are going to save any money
and whether or not it is worth the trouble.

If you do get a quote that you think is going to be cheaper,
take it to your current car insurance company and see if they
will match it. Sometimes, they will want you to stay their
customer so much, that they will give you the discount, which
will save you a lot of paperwork and time. Even if they only
give you half of the discount, it might be easier to take that
discount and stay with your current car insurance company.

You probably didn't calculate the increase in your car
insurance premiums when figuring out how much that speeding
ticket is going to cost you. Driving as cautiously as possible
is really going to insure that you don't get tickets and the
price of insurance doesn't get raised for your traffic mistakes.

About The Author: Looking for quotes on irish car insurance
policies? will give you independent quotes for car
is a goldmine for information on everything related to car
insurance quotes.

Thursday, April 10, 2008

Do You Have Car Insurance For Your Children?

Do You Have Car Insurance For Your Kids?

If your children began to drive a car what kind of car insurance can you buy for them? Have you to think about that?

Do know car insurance for young people is highly valued or priced? I would like you consider seeing this video below. It helped me to learn a little more about this subject.

Car Insurance For Teens

Saturday, April 5, 2008

Do Yo Know What Make Your Car Insurance Cheap?

Do Yo Know What Make Your Car Insurance Cheap?

I recommend to read this article:

Cheap Car Insurance In NYC

How cheap your car insurance in NYC, or any other location, is
depends on many factors: your driving record, your age, and
sometimes even your gender! But don't despair – you can get
cheap car insurance in NYC.

Is there anything actually "cheap" in NYC?

Yes, despite the high-priced apartments and strings of
expensive clothing boutiques, there is cheap merchandise in NYC
– and we're not talking about the fake Rolex watches being sold
by the guy on the corner. Believe it or not, you can find cheap
car insurance in NYC, too – a much more valuable investment.

What if I already have a car insurance policy here in NYC?

Good for you! But chances are you could probably find a cheaper
car insurance policy than the one you already have, or figure
out a way to make your current car insurance policy less

Car insurance companies tend to offer cheaper car insurance
premiums to those drivers and vehicle owners who take steps to
make their cars as safe as possible. This means having anti-lock
brakes, child proof locks, air bags for all passengers, and
automatic safety belts. Parking your car in a well-lit area, or
a garage, when its not in use also makes your car safer, as does
adding an anti-theft device.

If your car doesn't currently have any of these features, add
them! Then talk with your NYC car insurance agent about lowering
your premiums.

Who should I talk to about getting cheap car insurance in NYC?

Give the New York State Department of Insurance a call, or
visit their Web site. The NYS Department of Insurance will help
you understand Department of Motor Vehicle insurance codes and
provide you with company contact. They will also provide you
with information regarding the insurance No Fault Regulation.
These are good pieces of information to know when you search New
York's data base of car insurance providers in the NYC.

About The Author:

Please use the HTML version of this article at:

Sunday, March 23, 2008

Do You Have Any Idea Of Cheap Auto Insurance Companies?

Do You Have Any Idea Of Cheap Auto Insurance Companies?

If are interested to find auto insurance companies it is easy: you go to any searching website and you can find many thing out there.

See the article below from Author: Alexis Jensen

Cheap Auto Insurance Companies

Thanks to the internet it is now possible - quite easy in fact
- to find several cheap auto insurance companies in virtually
every state. While almost every state requires each of its
drivers to buy it, each state also allows a cheap form of auto
insurance to be sold to any driver who wants it. The cheapest
insurance that will legally allow you to drive in your state is
a very basic, minimum liability policy.

Each state sets its own minimum amount of liability insurance
that its drivers must purchase. Check with a local auto
insurance agent or with your state's department of insurance to
find out what the minimum amounts are in your state.

What you will be given is a string of 3 numbers something like
10/20/10. [Remember, 10/20/10 is just an example; your state may
require more basic liability insurance than this]. So what does
a 10/20/10 policy cover?

The first "10" stands for the maximum medical payment ($10,000)
that the insurance will make for any one individual involved in
an accident. This is regardless of how badly this individual is
hurt or what the actual medical bills are.

The "20" stands for the maximum medical payments ($20,000) that
the insurance will make for everyone involved in the accident,
regardless of how many people are involved, the extent of their
injuries, or what the actual total of all the medical bills is.

The final "10" in our example refers to the maximum amount the
insurance will pay for property damage claims associated with an
accident. Property damage includes, but is not limited to, the
repair or replacement of the other person's vehicle.

A basic limited liability policy does not pay even one cent for
the repair or replacement of your vehicle, nor does it pay
anything toward your medical bills or the medical bills of
anyone in your vehicle at the time of an accident.

Also, you need to be aware that should the medical bills or
property damage suffered by the other party in an accident
exceed the rather limited amount of the basic liability policy,
you could be required to make up any difference out of your own
pocket. This could result in the loss of any savings you have
and it could result in the forced sale of your home in order to
make good the debt.

Where can you find these cheap auto insurance companies? The
best place is to simply look online. You'll find dozens of
websites devoted to providing you with comparison price quotes
from several different insurance companies, allowing you to pick
and choose the best rate that you can find.

Just be aware that no one website compares the prices from
every insurance company in your state. If you really want to be
certain that you are getting the best rate possible from the
cheapest company there is, then take the extra few minutes to
make your price comparisons on 3 different websites, rather than
relying on just one.

But once you've made all of your price comparisons and you've
settled on the cheapest auto insurance you can find, you can
feel good knowing that you are saving the most money possible,
every single month.

About The Author: View some great sites that we recommend for
saving a lot of money on insurance

Please use the HTML version of this article at:

Friday, March 7, 2008

How To Find The Best Rates On Automobile Insurance In Colorado

How To Find The Best Rates On Automobile Insurance In Colorado

Shopping for auto insurance requires more effort than people
really think. Many just simply grab the lowest rate they get in
order to save money. When savvy shopping for auto insurance
shopping it's important to not only consider the rate but also
the carrier and the coverage.

When looking to purchase auto insurance you should know what
you want your insurance to cover. Some coverage can include:


In case of an accident any your automobile is damaged your
policy may pay for the damage done by the crash regardless of
who was responsible for it. If another party is responsible for
the accident your insurance will collect dues from that other


This coverage pays for bodily injury or property damaged that
has occurred in you're automobile while driving it.

Other optional coverage

This may include emergency services like towing services, car
repairs while out on the road.

If you want or don't want your insurance policy to include
things like these it can be used to determine what insurance
policy you will go with. Knowing exactly what kind of coverage
you want and don't want can help you find the best rates that
fits your circumstances.

Steps in Finding the Best Rates:

Learn the terminology

Before you purchase any policy learn the basic auto insurance
language that way you can avoid confusion and being scammed.

Get quotes from different insurance companies

Having more than one option is always good. That way you can
compare services and determine which one that best fits your

Seek help from the professionals

Visit companies like A.M Best, Moody's Investor Service and
Standard & Poor for more information on the insurance companies
you are looking into. These corporations will give you
information on the financial strength of auto insurance

It doesn't have to be so complicated, but finding the right
insurance policy does take effort. You won't be disappointed.
You can definitely find a reasonable insurance policy in
Colorado for you.

About The Author: Recommended sites for low rate insurance Affordable Car
Insurance Quotes in Colorado Save
Money on Car Insurance Online Here

Saturday, February 23, 2008

How To Get The Best Rates On Automobile Insurance In West Virginia

If you drive a vehicle in West Virginia you must buy automobile

For many people the cost of automobile insurance puts a severe
strain on their monthly budget - and no one wants to pay more
for automobile insurance than they have to. Hopefully this
article will give you at least one (and possibly more than one)
idea for ways that you can get the best rates on automobile
insurance in West Virginia and save money each and every month.

Saving money on your automobile insurance can start with
something as simple as finding a garage in which to keep your
car at night. Garaging your car will save you money on your
automobile insurance.

So will setting up automatic monthly payments of your auto
insurance from your checking account.

Buying and using something as simple as a steering wheel
locking device or installing a simple device for incapacitating
your fuel pump until you press a hidden button every time you
start your car can save you money month after month. Ask your
agent which simple anti-theft devices qualify with your
insurance company.

Keep your driving record spotless. The fewer traffic tickets or
other moving violations your driving record has on it the less
you are going to pay for your automobile insurance.

The better your credit history the lower your monthly car
insurance payment. Many people are not aware that their credit
rating affects their automobile insurance rate, but it does.

Buy group automobile insurance. If your place of employment
offers low-cost group automobile insurance you can almost always
save a considerable amount if you take advantage of it. If your
work doesn't offer group auto insurance check with any club,
organization or association you belong to and see if any of them
offer group auto insurance.

Every year your vehicle loses value, so every year you should
reduce the amount of collision and comprehensive insurance you
have on your vehicle to match the decline in value of your

Old vehicles - those whose Kelly Blue Book value is gone -
should not be insured at all for collision or comprehensive.
Save your money instead for a newer car.

Can you drive less? Many people are now relying on public
transportation for as many of their driving needs as possible.
If you can lower your driving to 500 miles or less per month you
may qualify for a special Low Mileage Discount that can save you
a lot of money every month.

Carpooling at work can also save you a ton of money on your
automobile insurance. A portion of your monthly premium is based
on the number of miles you drive back and forth to work every
month. Carpooling can cut that number in half and reduce your
insurance premium substantially.

If you retire or stop driving back and forth to work at all,
let your agent know as this can save you even more on your
insurance every month.

If you can afford to increase your deductible you will lower
your monthly premium instantly. Just keep in mind that you will
have to pay your deductible in cash should you ever have a claim
so don't make promises that you'll have trouble keeping.

Buy your automobile insurance online. You'll almost always save
money buying your insurance online, but don't stop after getting
prices from just one automobile insurance price comparison site.
If you're serious about savings money then you'll take the extra
time and get comparisons from at least 3 different sites.

And be sure that you input the same information onto the forms
on all 3 comparison sites. This way you'll be comparing the same
policy each time and the results you get will actually mean

Finally, once you've made all of the comparisons, it's time for
you to pick the lowest-priced policy you've found and then smile
all the way to the bank every month, knowing that you've
discovered how to get the best rates on automobile insurance in
West Virginia.

About The Author: My recommended sites here: Best Rates on Automobile
Insurance in West Virginia
Affordable Auto/Car Insurance Company Online

Wednesday, February 20, 2008

How To Find The Best Rates On Car Insurance In Oregon

Author: Angela Farnsworth

Most people really can't afford to pay any more for car
than they absolutely have to. After all I don't know
anyone who likes paying their monthly car insurance premium.

However, pay it we must if we want to drive our cars on public
roads legally and morally. But that doesn't mean there aren't
steps you can take to lowering those monthly payments – some may
even be ideas you were not familiar with.

For example, if you have excellent credit talk to your
insurance agent about getting a discount on your auto insurance.
Most people don't know it, but your overall credit score can
affect your car insurance rates.

And while we're at it, when was the last time you simply asked
your car insurance company for a list of all their discounts.
You could be surprised at some of the little-used discounts that
could lower your bill.

For example, are you a member of an organization such as AAA or
an employee of a large company? Often insurance companies
provide group members with a break on their insurance rates.

If you are a student you already know how high car insurance
rates can be in Oregon, but did you also know that if you
maintain good grades many companies offer a Good Student

If you combine your homeowners and life insurance and your car
insurance all with the same company you'll probably be entitled
to a multi-policy discount.

If your car has any type of anti-theft device or if you have an
anti-theft device installed on your own, check with your
insurance company – almost all of them provide a break for
anti-theft devices on cars.

If you own an older car that has little or no Blue Book value
then it probably doesn't make a lot of sense to carry
Comprehensive insurance. This is the insurance that pays for you
car if there is an accident, and if you car has little or no
Blue Book value then your insurance company is not going to pay
you much – if anything – anyway.

One of the simplest things many drivers looking for the best
rates on car insurance in Oregon do is to increase the
deductible on their vehicle. Your deductible is the cash you pay
out of your own pocket when you have an accident before your
insurance begins to pay. By increasing the deductible on your
car from $200 to $1,000 you can cut your monthly premium by as
much as 50% in some cases.

Whatever you do, you need to shop a variety of companies and
compare prices, because prices for the exact same car insurance
can vary by many hundreds of dollars per year depending on the
company you buy your policy from.

Today there are literally dozens of sites on the internet which
allow you to compare auto insurance with the click of a button
and find the best rates on car insurance in Oregon in no time at

About The Author: Recommended sites for low rate insurance Cheapest Auto
Insurance Quotes in Oregon Fast Auto and Home Quotes

Tuesday, February 12, 2008

Make Your Car Insurance Search Online The Easy Way

A far better way of looking for the cheapest car insurance than
looking yourself is to allow a broker to make a car insurance
on your behalf. By doing so you will not only save
yourself money on cover, but also get your insurance quicker.
This is because brokers know where to go when it comes to making

It is also important for those who already have motor insurance
to shop around and not just take a renewal on their policy year
after year. While you can get a great deal when first taking out
a policy, your insurance will normally creep up year after year.
This means that many individuals who stick with their existing
provider instead of getting a fresh quote could be paying way
over the odds for cover.

A broker is without a doubt the easiest way when it comes to
your car insurance search. They have access to the whole of the
market place and will know from experience which insurers are
more likely to be able to save you money. The cost of insurance
will be based on many factors and there are many ways in which
you can help to reduce the cost.

Some thought should be given to the type of car (ie the engine
size) because this can go a long way to keeping down the cost.
The bigger the engine size, then the more you can be expected to
pay - a smaller model will cost less. If you do not need a large
car then stick with a smaller vehicle because when insuring it
you will save money.

Of course the amount of no claims bonus is one of the best ways
to keep the cost of insurance down. The more experience you have
when it comes to driving the better. If you have held a policy
for many years and have never claimed against it you are able to
make excellent savings.

Certain criteria such as whether you are a young driver, an
older one or a woman driver can also affect the price of your
car insurance. However there are insurance companies who will
specialise in dealing with insurance for these and this is where
you will get the best deal on your cover. A broker can take this
into account and fix their search with those lenders who are
most likely to offer the cheapest premiums. They are also able
to do this in the shortest time possible.

When making your car insurance search online then allowing a
specialist car insurance broker website to do it on your behalf
is the best way to make huge savings. However you should always
check the small print of any quote you are considering taking
out. The terms and conditions are where you can find what will
be included in your cover and what is not. Some policies can
come with extras included which of course can be to your
advantage and this is where you are able to find them.

About The Author: David Thomson is Chief Executive of
BestDealInsurance ( an
independent specialist broker dedicated to providing their
clients with the best deal on their home, motor and life

Friday, February 8, 2008

Don't Pay Too Much For Your Car Insurance Coverage

Have you been with the same insurance company for years and
despite a good driving record your policy premium continues to
go up with every renewal? This is something that a lot of
consumers are struggling with, but the fact is that your car
insurance coverage doesn't need to be expensive.

You can find affordable car insurance, including all of the
coverage that you want as well as the coverage that you need.
If you are tired of seeing increases with every policy renewal
it's time to start shopping.

Stop Paying Too Much For Car Insurance

Even if you have been with the same car insurance company for
years you may not be getting the best deal available to you. In
fact, you may be paying way too much as it is and if you have
had enough you should start shopping around to see what you can
find. Many consumers are surprised to learn that they can get
better coverage than they currently have for much less.

Imagine if you could have all of that extra coverage that you
want for the same price that you are paying now? The fact is
that it is a possibility! Just because you have been with the
same company for years does not mean that they are giving you
the best deal.

If you are tired of paying too much for car insurance it is
time to get on the Internet and start searching. Most insurance
companies today offer almost instant online quotes for those
looking to get a better deal than they currently have. All you
have to do is enter the basic information about your vehicle
such as the make and model, any security features, and then you
may also have to enter your personal information so that your
driving record can be taken into consideration.

Literally in a few minutes time you can compare the coverage
and the cost of any given insurance company to what you are
currently paying. If you can get a better deal you can often
buy the policy online, too.

There are actually a lot of car insurance websites out there
today that will allow you to compare several different insurance
companies at once. You simply select the type of coverage that
you want and then the website will do the rest for you. You'll
be able to view the coverage and the price that each company can
offer you so you are sure that you are getting the coverage that
you need for the price that is right.

When you shop around you may find that you can easily save
hundreds of dollars per year! That is a lot of money that you
can be spending elsewhere. A lot of consumers today become
dissatisfied with their long time insurer and they start
researching and find out that they can purchase more coverage
for less. It's simply a matter of shopping around and being
willing to do a little bit of research. Car insurance is
required in most areas, is a good idea, but doesn't have to
break the bank.

About The Author: We help you getting good deals on insurance.
Come to us for car insurance at and home
insurance at We are

Tuesday, February 5, 2008

Car Insurance Is Not An Option For Drivers

If you own a car and you drive it or you let anyone drive it,
you have to have car insurance. For a long time car insurance
was one of those things that was an option for drivers but that
is no longer the case. Today all states require that you have
car insurance in some form or fashion.

While the specifics of the insurance that are required vary
from state to state, you should never get into a car to drive it
unless it is insured. Your insurance protects you, your
vehicle, as well as the other people and their vehicles that are
on the road with you.

Protect Yourself with Insurance

You may look at insurance as wasted money each month, but this
just is not the case. While you may not actually need your
insurance each month, or even every year or every five years,
when you do need it you really need it. If we could predict our
accidents we may not need to have vehicle insurance, but the
very nature of an accident is that it is not predictable and
therefore we need coverage every time we get in the car. Why
chance it?

The great thing about vehicle insurance is that is can protect
you, your car, and even the other people and their cars that are
on the road with you. There are different types of insurance
coverage policies out there, but the fact is that they all
provide you some sort of protection. If you because an accident
and you do not have insurance the other people involved in the
accident can sue you personally for damages.

When they sue you they can leave you in big financial trouble.
When you have insurance your insurance will help you deal with
the problems, paying people for their damages so they are not as
likely to sue you. Paying your insurance every month is a lot
more affordable than being sued, as you will need to pay for a
lawyer, court fees, time away from work, and perhaps even the
damages that you caused.

Not only will your vehicle insurance help you if you hurt other
people or damage their property, it can also help you if you
hurt yourself or you damage your property. If you have the
proper coverage and you are involved in an accident your
insurance company will pay to repair or replace your car and
even help you pay your medical bills. These are the things that
most people do not have the money in their savings account for
when they are injured, so the insurance coverage really will pay
for itself.

Again, you cannot determine when you will be involved in a car
, which is exactly why it is called an accident. You
need to have his coverage all the time so that it is there when
you need it most. While you may not need to call on your
insurance for help for years at a time, when you do need it you
will more than make up for lost time.

About The Author: You should compare car insurance at and car
finance at
options before signing on a deal. We will help you compare at

Monday, February 4, 2008

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

It's possible – especially if you have a good driving record –
to get away with purchasing just $10,000 of Personal Injury
Protection (PIP) and $10,000 of Property Damage Liability (PDL)
insurance and legally drive in the state of Florida. If you've
been in a crash or if you've been convicted of certain other
offenses, you may be required to also purchase Bodily Injury
Liability (BIL) insurance coverage.

PIP insurance provides medical coverage for you or almost
anyone legally driving your vehicle or ridding in your vehicle
as a passenger if your vehicle is involved in an accident,
regardless of whose fault the accident is deemed to be.

As you can imagine, with medical costs as high as they are
today, $10,000 in coverage may not go far in a serious crash.
Depending on what assets you have that might conceivably be
forfeit if you are unable to pay for the medical expenses of
someone who is hurt in your vehicle because of a serious
accident, you may wish to purchase considerably more PIP
coverage than the minimum the state of Florida requires of you.

Property Damage Liability insurance covers repairs to another
person's vehicle or other property if you are involved in an
accident, regardless of whose fault the accident is determined
to be.

$10,000 in Property Damage Liability insurance will barely
cover a fender-bender for many of today's high-priced vehicles.
Again, especially if you have a home or other assets which need
protecting you may choose to purchase more PDL coverage than the
state of Florida demands.

If you wish your vehicle to be repaired or replaced in the
event of an accident you will need to buy Collision and
Comprehensive insurance.

Collision coverage will repair or replace your vehicle if it is
damaged by striking (or being struck by) another vehicle, or if
it is damaged by striking an object such as a guard rail, a
light pole, or a tree. You should consider purchasing collision
insurance up to the Blue Book Value of your car.

Comprehensive insurance covers damage to your vehicle caused by
natural acts (such as wind or hail damage) and acts of
vandalism. And, just to make things confusing, it's the
comprehensive portion of your insurance that pays you if you
strike an animal, such as a deer, while driving. Again, you
should purchase comprehensive insurance up to the Blue Book
value of your vehicle.

You should review the amount of your collision and
comprehensive with your agent each year since the Kelly Blue
Book value of your car is most likely decreasing every year and
there's no point in carrying coverage on your car in excess of
Blue Book value since that's the most your insurance company
will pay you in any event.

As you can see, the State of Florida actually requires very
little from you in the way of insurance, but as you can also
see, carrying the state minimum required insurance could very
easily leave you open to lawsuits which will force you to pay
money that could be considerably in excess of the minimum
required insurance. This could put your home, your savings, or
any other assets you possess at great risk.

And obviously if you are purchasing a new vehicle and you
intend to finance your purchase your lender will undoubtedly
require that you purchase full coverage insurance – Personal
Injury Liability (PIP), Property Damage Liability (PDL), Bodily
Injury Liability (BIL) coverage, Collision and Comprehensive –
in amounts far greater than the state-mandated minimums.

Keep in mind that even though your lender has every right in
the world to demand that you fully cover any vehicle being
financed, your lender is not allowed to force you to purchase
your insurance from any specific provider.

If you want to find the best possible price for your full
coverage car insurance quote in Florida then you'll need to get
on the internet and find at least 3 websites that allow you to
make quick and easy head-to-head comparisons of prices for
insurance at different insurance companies.

Make certain that you take the extra time and effort to make
your comparisons on at least 3 different websites so that you
can be assured that you're seeing the prices from virtually
every insurance company operating in Florida.

Once you've done that then you can grab the absolute cheapest
price possible for the full coverage car insurance that you need
and rest easy every night knowing that you are not paying even
one cent more for your car insurance than you absolutely have

About The Author: My recommended sites here: Full Coverage
Automobile Insurance in Florida Save Money on Car Insurance

Sunday, February 3, 2008

How To Get The Best Rates On Car Insurance In Massachusetts

Every driver in Massachusetts needs to buy car insurance.
Driving without car insurance can cause so many nightmares on so
many levels, especially if you are involved in a serious
accident, that driving without insurance simply is not worth the

A better solution is to find ways to lower the cost of your car
insurance so that you can get the best rates on car insurance in
Massachusetts legally.

Let's start by asking if your place of work offers group car
insurance to its employees. Many companies do, and group rates
can save you a fortune. If your company doesn't offer group car
insurance check with any clubs, groups or organizations you
belong to; you'd be surprised at the ones that offer their
members group car insurance.

Keep your car in a garage at night. Doing that simple thing can
save you money each and every month.

Set it up so your premium payment is paid automatically each
month out of your checking account. This will also save you

Ask your agent if buying (and using) a steering wheel lock will
reduce your rates. Some companies gladly reduce rates for
steering wheel locks and for simple devices which disengage your
fuel pump unless a secret button is pressed each time you start
your car.

Drive less. Many people are now using public transportation and
leaving their car at home as much as possible. If you can reduce
your driving to below 500 miles per month you may qualify for a
rather substantial low-mileage discount.

A portion of your premium is probably based on the fact that
you drive to and from work every day in rush hour traffic. If
you can carpool so that you drive those miles considerably less
each month then you can save money on your car insurance.

If you retire or stop driving to work for any other reason your
insurance will also drop.

Drivers under 25 should stay in school and maintain good
grades. A 3.0 grade average or better will earn you a rather
nice Good Student Discount.

Don't make small claims. The fewer claims you make the lower
your rates will be. If you can go for even 6 months without
making a claim some companies will reward you. Other companies
require you to wait a year, but the point is, the fewer claims
you make the better your rates on car insurance will be.

Can you afford to increase your deductible? This is probably
the fastest and the easiest way to decrease your monthly
premium, but the downside is you will have to come up with the
amount of your deductible in cash any time you have a claim. You
don't want to make any promises you can't keep.

The final step in getting the best rates on car insurance in
Massachusetts is to get online and find a minimum of 3 car
insurance price comparison websites. Using what you have learned
in this article fill out the form on all 3 websites exactly the
same way. That's important. You must put the exact same
information into all 3 forms or your "comparisons" won't
actually be comparing anything, will they?

As soon as you've finished all of your comparisons then the
rest of your "job" is a snap - simply pick the lowest-priced
company and you're done! Now you know exactly how to get the
best rates on car insurance in Massachusetts.

About The Author: My recommended sites here: Best Rates on Car Insurance in
Massachusetts Affordable Auto/Car
Insurance Company Online

Saturday, February 2, 2008

Finding Low Cost Car Insurance

In today's modern lifestyle, the desire to obtain low cost car
insurance is not always a financial one but often in response to
the car insurance market being more open and competitive, with
insurance providers competing for our custom. The need for an
independent specialist website providing easy access to this
marketplace could not be more welcomed. To simply enter the
details for you and your car, just the once and obtain the
results in minutes, saves so much time and effort, and it is

The resulting quotes for low cost car insurance can then be
arranged in a style that is easiest for you to understand and
compare, it can also be saved and accessed later. It is easy to
use and allows individual details to be altered, making it an
indispensable tool for seeking low cost car insurance.

It is important to decide what level of cover is required,
often low cost car insurance is very basic, so it is essential
to compare the policy contents carefully to ensure that you
obtain best value for as little money as possible.

The type of cover should be examined if your car is old or of a
make and model with which the value depreciates quickly. There
is a great price difference between fully comprehensive and
third party, fire and theft policies. However, if your car is
twenty-five years old or over, then it could be classed as a
classic and there are a number of car insurers that specialise
in classic car insurance, all of which are accessible using this
specialist website.

Cutting down on the number of optional extras can reduce the
price when looking for low cost car insurance, for example: the
removal of a free courtesy car whilst your car is being repair
at a garage after an accident and removing the free repair of
the windscreen if damaged. Further reductions can be obtained by
increasing the excess amount you are prepared to pay should you
make a claim, by increasing from £50.00 to £500.00 can make a
considerable reduction to the premium, often by about 20%.

Further reductions in price can be obtained by being the only
driver on the policy and restricting the number of miles driven
annually. Driving within the UK only also yields cheaper car
insurance. The method of payment you chose often affects the
price also. It is cheaper to pay an insurance premium annually
rather than monthly, as there is frequently a surcharge for
making payments by instalments. This specialist website allows
you to compare easily the low cost car insurance quotations to
find which can offer the best price for the payment method of
your choice. It is straightforward to notice which car insurer
charges a fee if you pay by credit card rather than debit card.
However, you can be assured that any payment made on-line using
this specialist website will be secure.

By using this specialist website, offering an extensive range
of trusted insurance companies from the marketplace, the chore
of finding low cost car insurance has been removed. The
impartial information supplied will help the user easily and
efficiently obtain the best deal. Then, when a decision is made,
you can just purchase the chosen car insurance policy without
having to re-enter any of the details, safe in the knowledge
that the information provided has allowed you to make an
informed decision when choosing low cost car insurance.

About The Author: Jason Hulott is Business Development Director
of Protection Insurance (,
an internet based insurance business dedicated to getting
consumers the best rates and the best products. Visit us for Low
Cost Insurance.

Thursday, January 31, 2008

Guide To Help You Get A Cheap Car Insurance

By Allan Elvin

As the government in the UK has made it mandatory for car owners to have an insurance for their car, there is a sudden rush of insurance companies wooing car owners. Presently, there are more than 100 insurance companies in the UK offering insurance policies for cars. Despite the growing number of insurance companies, there has been little or no change in the price of their car insurance policies. The high price of car insurance discourages many car owners from buying a car insurance. They either prefer not to buy an insurance or they look for a cheap car insurance.

Some better planning as well as consideration before you finally buy an insurance car insurance helps you avail it at a cheap rate. Some good research of various insurance companies and their policies may help you in deciding on which policies you have to buy. Most of the companies will offer you free quotes and suggestions.

By comparing the price of their insurance policies, you can pick the best deal of a cheap car insurance. Moreover, there are several other factors, which decide the cost of the insurance. The physical condition of your car, the place where you park it, the driver, model and value of your car are some of these factors.

Besides, the types of insurance you are going to buy is another factor, which controls the high cost of your insurance. Usually, a Cheap Car Insurance is of three types – third party only car insurance, third party fire and theft car insurance and comprehensive car insurance. All the three types of insurance have their own advantages and disadvantages. Judging the car insurance policy that is the best among these three is a tough job, as each has it's own features, which meet diverse requirements of car owners. Choosing the best one should depend on the circumstances you have.

Allan Elvin is an MBA in Finance and has a rich experience of writing on topics related to finance. He professes special interest and expertise in Cheap Car Insurance and in guiding you on its various details.

Article Source:

Car Insurance Online

By Seth Miller

The enormous advantages that the Internet has to offer have prompted car insurance companies to advertise their policies online. Initially, car insurance was available only through a car insurance agent. The process was tedious and time consuming and required immense paperwork and assessments. This factor alone has made a large number of people opt for online car insurance.

Car insurance companies now offer online services that have made it very easy for clients to acquire information they may need. Car insurance quotes and auto insurance claims can be obtained or filed at any time of the day. Online car insurance helps provide interactive and spontaneous customer care, rather than wait on the phone line for long periods of time. Insurance companies are using this medium to sell car insurance directly.

Opening online accounts with car insurance companies is also proving to be beneficial. In case clients misplace an insurance card it is possible to simply acquire a printout of the original copy. Car insurance online accounts with existing insurance providers puts an end to storing piles of insurance paperwork. Online car insurance even allows people to receive updates and file claims whenever needed.

Car insurance online sites have gone a step further by making the online experience easy and user friendly. Car insurance terminology and verbiage may be difficult to understand. Most car insurance online services are aiming at providing simple and understandable information. Online car insurance allows customers to learn about various types of auto insurance coverage, limits and deductibles.

Certain states even allow people to purchase a car insurance policy online. These methods are considered to be safe since most Web sites use secure connections. This prevents outsiders from attaining personal information about a prospective client. However, it is important to realize that car insurance online is at times only a part of the entire process. Car insurance online often complements and eases the car insurance procedure.

Car Insurance provides detailed information on Car Insurance, Car Insurance Quote, Car Insurance Policies, Car Insurance Company and more. Car Insurance is affiliated with Top Auto Insurance Companies.

Article Source:

The Many Varieties Of Car Insurance

When you are in the market for car insurance you should be
aware that there are many different varieties for you to choose
from. Car insurance is not at all a straightforward market,
meaning you may need to do a bit of research before you buy.
There is a plan or coverage out there for everyone; you may just
need to find the right insurance company and policy for your

Research before you buy so you are aware of what is covered and
what is not and also to ensure that you do have not only the
proper coverage required by law, but the coverage that will
provide you and your specific vehicles and lifestyle need.

Understanding Car Insurance
When you buy insurance you should know that most states have
mandatory minimums, which means that you must purchase at least
a certain amount of coverage. Licensed insurance agents and
companies will not sell you a policy that offers less coverage
than what you are required to purchase according to the law in
your area.

Bodily injury liability is a type of coverage that just about
everyone is required to have. This type of coverage will cover
any bodily injury claims from the people involved in an
accident. It will need to be proven that you caused or at fault
for the accident for your insurance to pay out.

Another type of coverage is property damage liability, and most
people are required to have this as well. This type of
insurance coverage will cover any property damages to third
parties involved in an accident that you caused or are
responsible for. This type of damage includes repairs that may
need to be made to other cars involved.

You may also need to purchase coverage that will make medical
payments to the policy owner as well as other passengers in the
policy owner's car. This type of coverage is often what is most
useful when you have been involved in a car accident as medical
coverage is so expensive.

You may also want to purchase collision insurance, which covers
the loss or damage to your car when you are involved in a car
accident. This type of coverage is nice because it doesn't
matter if the other person is insured. Your car will be repaired
if you are involved in an accident.

You will also want to consider comprehensive coverage, which
will cover the non-collision damages to your car. Many people
don't think about this type of coverage but it comes in really
handy if your car is broken into, if it is damaged in a storm,
or if the windshield is broken. Many people assume that they
will not ever need this coverage, but it is better to have the
coverage and not need it than to need it and not have it. It is
a good rule of thumb to have more coverage than you ever think
you will need. It really is better to be safe than sorry!

About The Author: Do not think of car insurance at as a
burden! Think of it in the same light as you think of home
insurance at We will
get help you compare them at

Wednesday, January 30, 2008

Understanding Auto Insurance

Auto (car) insurance is a type of insurance coverage for damage to and resulting from an auto. Insurance of this type can cover a variety of things depending on the kind of auto insurance that has been purchased.

All auto insurance policies involve a premium, which is the payment a customer makes to have auto insurance. Premiums for auto insurance can be extremely divergent and are determined by a number of factors. Gender is the major determinant for auto insurance premiums. Statistically, men are 80% more likely to be involved in an accident, and therefore have a greater need for insurance. Auto insurance premiums for men are higher than auto insurance premiums for women. Similarly, teenagers are considered high risk and will have to pay higher auto insurance premiums. The auto insurance premium can be reduced if the teenager takes a defensive driving course. Many states require teenagers to take defensive driving courses in order to obtain a driving permit and auto insurance.

It is customary for auto insurance plans to have a deductible that the customer is responsible for before the auto insurance provider offers coverage of expenses. Deductibles can have an effect on the coverage available under an auto insurance plan.

Auto insurance is slightly different than other types of insurance because you can purchase auto insurance that covers specific needs. For this reason there are different kinds of auto insurance. Auto insurance basics are covered by liability auto insurance plans. Liability auto insurance is usually the minimum required by state laws. Liability auto insurance is characterized by a set dollar amount of coverage for damages resulting from accidents or negligence. The coverage amount of liability auto insurance can be applied to property damaged in the accident that is not an auto.

Car insurance also comes as collision auto insurance. Collision auto insurance is meant to cover the cost of repairs to a vehicle involved in an accident, or the cash value of the vehicle if it cannot be repaired.

Comprehensive auto insurance is also available. With comprehensive auto insurance, coverage of fees for repairs is provided for accidents that are not collisions. Comprehensive auto insurance will, for example, cover hail or fire damage.

Whatever type of auto/ car insurance you need, Business Health Insurance can help! We have all of the information on auto insurance in your state.

Paul Stewart is a freelance web application developer, search engine optimization guru and the webmaster of, an online insurance quotes web site. For more information visit

Article Source:

Monday, January 28, 2008

Domestic Automotive Maintenance: 5 Preventative Maintenance Repairs

Preventative maintenance is important because it keeps your car running smoothly, avoiding the problems that come from a lack of care. Having your car serviced at a good foreign or domestic automotive maintenance shop is important to ensure that it gets the best care possible.

Here are some of the standard foreign and domestic automotive maintenance procedures that you should be sure to have done periodically:

Oil Changes: This is one of the most obvious, yet it is also one of the most frequently overlooked. Changing your oil and oil filter every three thousand miles keeps your engine running smoothly. Not changing your oil and oil filter often enough, on the other hand, can be disastrous: Over time, the additives in your engine oil break down, and the oil becomes thick and sludge-like. When this happens, the oil creates resistance on the engine, causing buildup and premature wear. Old engine oil can also cause the rubber seals in your engine to prematurely dry out and crack, creating leaks that can be quite expensive to fix.

There are a lot of quick-lube places that will change your oil quickly and cheaply, which may make you question the need to take your car to a good foreign or domestic automotive maintenance shop. However, it is definitely worth the extra money to make sure an experienced professional services your car. It is not uncommon for quick-lube shops to employ inexperienced teenagers at minimum wage, and horror stories (driving off without oil in the engine, finding months later that the oil plug won't come out because it was stripped) abound.

Air Filter Replacement: Replacing the air filter is another important precaution that many people forget about. The silly thing is that this is also the easiest thing you'll have to do on your car. Just as easy, if not easier, as filling the washer fluid on some cars. In fact, this one is so easy that you may not even have to get a foreign or domestic automotive maintenance shop to do it for you. Just make sure you get a high quality replacement filter. If you are not sure where it goes, ask. There will be a couple of clips you'll have to undo to open the air filter box, but that's about it.

Your air filter should be replaced once or twice a year. Every six months, you should at least check it. If it looks dirty, replace it. The better airflow your engine gets, the better it will perform, which to you means higher gas mileage and lower maintenance costs over time.

Basic Tune-Up: A tune-up basically involves replacing a bunch of inexpensive, quick-to-wear-out parts, and checking out a bunch of more expensive, slower-to-wear-out parts. This should be done once a year, but again, many people aren't very good at making sure it gets done regularly.

A basic tune-up involves replacing (or cleaning and re-gapping) your spark plugs, replacing your distributor cap and rotor, and checking and/or replacing your spark plug wires. Other parts that might need to be replaced during a tune-up are your PCV (positive crankcase ventilation valve) and your oxygen sensor. All of these can affect the way your car runs, causing your gas mileage to go down and the carbon monoxide in your exhaust to go up.

Radiator Flush and Coolant Replacement: Your cooling system is a vital system. It prevents your engine from overheating, which can ruin an entire engine in mere minutes. Your cooling system therefore ought to be treated with respect, which means flushing your radiator and replacing the coolant every year or so, preferably at the end of summer or fall, before the cold weather hits.

The reason for flushing your radiator and replacing the coolant is that the Ph balance in antifreeze breaks down after a while, destroying many of its protective properties. Not only will it not cool to as low a temperature, but it will also begin to allow rust to form in your cooling system, which may lead to premature leaks in your radiator.

Be sure your replacement coolant is half water and half antifreeze. The 50/50 mixture has the lowest possible freezing temperature, the highest possible boiling point (meaning your coolant won't boil on hot days), and will protect against corrosion inside the system.

Automatic Transmission Fluid and Filter Replacement: Many people don't realize that their automatic transmission contains fluid and a filter that need to be replaced periodically, just like an engine. Unfortunately, neglecting this maintenance repair can result in parts in the transmission going out more quickly than they should, requiring you to overhaul or replace your transmission, which is a costly venture, to say the least.

The fluid and filter in your automatic transmission should typically be replaced about every 25,000 miles, which is less than a year's worth of driving for most cars. The oil in a standard transmission doesn't need to be replaced as frequently. Replacement about once every couple of years, unless you happen to do a lot of hard driving, such as towing.

Keeping up on these five preventative maintenance repairs will ensure that you maximize the life of your car. A good foreign or domestic automotive maintenance shop can help you keep track of the required maintenance, making sure that you don't miss anything important.

Andy West is a freelance wrtier for DAE, offering domestic automotive maintenance services in the Houston area. For information please visit .

Saturday, January 26, 2008

Car Buying At Car Auctions

There are several avenues in which you can buy a car. One of
the places you can purchase a vehicle is through a car auction.
Even with car auctions you have a couple of different places to
choose from depending on where you live. For instance if you
live in a smaller town you probably have one or two places to
choose from for private car auctions. If you live in a larger
city not only will you have the private car auctions but you
will also have the police auctions. We will discuss both types
of auctions in this article as well as some of the things to be
wary of.

First police auctions are usually going to contain older police
cars they are retiring as well as cars they may have seized in
raids and other police activity where they confiscated the
items. This means you could find some really nice cars and a
great discount or not find much. Usually the police auctions are
held when there are a lot of items to put up for sale. You
should also realize that they are not solely car auctions, often
time boats and other types of motored vehicles are going to be
on the list for sale. The police auctions are also going to
offer less in the way of prices in most cases. Since they seized
the items all they are really looking for is more income to put
back into the department spending budget. This means you can
find a car that is within your price range fairly easily. The
downside is they don't always have the type of car you might be
interested in.

For a specific model vehicle you would have more luck trying
the private auctions. Private auctions are when a company has
cars on the lot from an owner that is looking to sell their car
quickly and easily. For most of us this is a last resort for
selling a vehicle to try and get what we believe is a worthy
price. The owner therefore sets the price of the vehicle and if
the bids never reach that number to car will remain unsold. The
owner does have the option of selling for under their price, but
that is a phone call before it could be released. At car
auctions they are going to start the biding a little lower than
the actual price of the vehicle to get the sale started.

Now that you know about the two different auctions let's look
at a few things you should know. First at a car buying auction
you are not going to be able to test drive the car. You can ask
to look at the engine, to hear the engine run, but you can't
actually go off the lot with the car. This means you are looking
over the car, but not fully testing it and you could wind up
with something that has a lot of mechanical issues if you are
not careful. Most often the car auction will have a mechanic on
hand to test drive the vehicle as well as look it over before
the auction starts.

About The Author: Mark Robinson writes for

Friday, January 25, 2008

How To Find Used Cars At The Bargain Prices

No matter what you're planning to buy the key to shopping for
the best deal is to do your research first, especially for cars.
With the amount of cash you're going to shell out you have to be
sure you get what you want without regrets. Buying new cars can
be a little easier, but both new and used vehicles have their

The first thing that you should do is get an idea of what kind
of vehicle you want and be realistic. I know you want the Hummer
but is it within your means? Is there only you to please or do
you have a family that this car purchase will impact? You will
definitely be happier with a little less car and money left to
do things with; bottoming out the wallet is not worth the big
ticket vehicle. You can get a decent car that's affordable and

Once you get through that reality try to narrow it down to a
couple of different models to make your research easier and more
focused. Once you have done this you can start by keeping an eye
on your local classifieds and see what kind of prices the models
you picked are going for.

Quite often you can find great deals in your local classifieds
and depending on the seller's situation you may be able to get a
quality vehicle at a price well below retail. More often than
not people get a big surprise when they try to trade their car
and want to get more than the dealer will give them. These
people will usually try to sell privately to get a price a
little closer to what they had in mind, which in many cases is
still a bargain.

There are also some great sites that help you understand the
real book value of a used car. I really like not
only do they have used car values, but they really do a great
job reviewing cars. You can also do some checking online at
other great sites like Kelley Blue Book at and

One of my favorite methods is to use eBay. With eBay not only
can you open a free account but then you can go to eBay Motors
and pick out vehicles of your choice that are being auctioned
and put them in a watch list. I have done this many times not
only to buy a vehicle, but also to get a good idea what I should
get if I sell mine. Online Auctions like this can be a great way
to find good deals. You get to check out the vehicles, which
usually have pictures and shop right from the comfort of your
own home. Try to find auctions with no reserve, these types of
auctions don't have a minimum price before they will sell and
you may well be able to buy a vehicle at a great discount.

I know several people that once they realized how easy and
cheap it is to buy cars on eBay, they made a very profitable
career out of buying and selling cars. Public Car Auctions are
held in many areas and you don't have to be a dealer to attend.
Many times these auctions have cars that have been repossessed
from local banks, credit unions and Government seized car
auctions and they have no desire to keep them.

It's not uncommon to find very expensive cars in great shape
that go for ridiculous prices if you spend a little time
shopping. You'll find that some people will go nuts on new cars
and expensive houses but once their fortunes change and they
can't keep up the payments, they're property is seized and
auctioned off. Many of these auctions have no reserve and can
start at 95% off retail prices. Two really good online
Government auction sites are and

Another key recommendation I have is to make use of a great
system known as The information they offer is
crucial in that they have information on all major repairs done
on vehicles through information compiled from insurance claims
and repair facilities. Once you see a car you like you can run
it through and find out if you're getting a lemon or
a gem.

You can also check with local rental car companies that may be
reducing last year's fleet. Be careful with this as there seems
to be a 50% chance to get that car that others have been kicking
around without care. No having said that, the other half of the
time you can get a good deal on a fairly new car with low

Some might suggest going to check out some dealer auctions, but
it has been my experience that in many cases the vehicles end up
going higher than they should. Dealers will pay the higher price
because they know they can mark it up and hard sell someone to
buy it.

About The Author: Get valuable tips and links for car buying
online and buy cars online including online car loans, online
car insurance, online car auctions, car buying mistakes and car
dealer scams to avoid and so much more at

Wednesday, January 23, 2008

When You're Living Here, Don’t Buy A Car

There are many factors that you need to consider before you
actually decide to buy a car. First, you have to understand your
needs. Your vehicle should, first and foremost, be able to serve
you to the utmost. Second, you have to think about your future
car-related expenses. These include the prices of gasoline and
maintenance costs. Without these, your car won't be operational,
and you will not be able to use it for such a long time. Most of
all, with the car theft cases going up in alarming rate, you may
be probably having second thoughts if you're still willing to
take the risks.

To help you out with your decision whether you should buy a car
or not, take note of places where different car-related issues
and problems are rampant.

1. Stay away from cities and states with extremely high
gasoline prices.

No matter how good you are in driving or how safe your
neighborhood will be, you're still going to be having headaches
if you are currently living in or traveling to states that have
extremely high gasoline prices. They can absolutely drain your
pockets and break your bank accounts. They will increase your
expenses every month. Indeed, you're at the mercy of the
different gasoline stations. If you want to make your budget
become more manageable, it may pay to reconsider purchasing car
if you're residing in Hawaii, Alaska, and California. These
states have the most expensive prices for gasoline, even 9 times
higher or more than those of other states. It will make matters
worse if your car doesn't really have an efficient fuel economy.
You can be spending hundreds even for a day, especially if
you're depending on your car to get you from one point to

2. Avoid states with the costliest auto insurance.

By now, you have a good idea that your car needs to be insured
if you want to guarantee that you're still going to get
something just in case that you meet an accident or you get
yourself injured because of collision. But do you know that you
can actually help yourself lower down your premium simply by
avoiding places with the costliest packages? The District of
Columbia, New Jersey, and New York are four examples of
locations with the highest prices for auto insurance. There's a
good explanation for that. Sad to say, in these cities, you can
find the worst drivers who are never afraid to compete with you
in freeways or even give you the right of way when you badly
need one. It means that there is a very big possibility that you
will get yourself in an accident, which spells more spending for
these insurance companies.

In the end, the decision of purchasing a car still rests upon
you. Definitely, if you badly need one, you wouldn't mind paying
extra costs or dealing with nasty drivers. However, if push
comes to shove, the best thing that you can do is to move.

About The Author: Mark Robinson writes for

Tuesday, January 22, 2008

For Honda Car Finance Then Go With A Specialist Provider

If your choice of car is a Honda and you are looking for Honda
car finance then the best way to find information regarding the
wide range of financing options is to go online with a
specialist car loans website. The range of financing includes
choices such as personal contract purchase, hire purchase or
credit purchase and you can find the best deals online quickly
and easily.

Personal contract purchase is a very popular option when it
comes to Honda car finance, this option is an ideal way of
financing your car if you are not likely to be sticking with the
same car for a long time. The repayments are generally low and
you pay a lump sum at the beginning, monthly repayments for a
defined period of time and then a final lump sum at the end of
the agreement. However you do have options at the end of the
agreement, you can either pay the final sum and the car is
yours, return the car or part exchange the car and get another.

Hire purchase is a very traditional method when it comes to
looking for Honda car finance and this simply means borrowing
the money for the car and repaying it back over a period of
time. The amount that you will borrow will depend on the deposit
you can afford to put down and of course the more deposit the
lower the monthly repayments will be and the less interest you
will accumulate on the loan. Once the loan is completed then the
car belongs to you, hire purchase is a type of secured loan and
the car will be the security if you should default on the loan

Another option very similar to personal contract purchase is
the credit purchase, sometimes called the lease purchase. The
difference between the two is that the credit purchase has no
option to return the car at the end of the agreement which means
you have to find the lump sum to pay off the loan. You can
spread the cost of the loan over a longer period of time to keep
the monthly repayments low along with putting down a large
deposit against the car. This type of Honda car finance usually
comes with a very low rate of interest which can make owning a
car affordable.

Whichever type of car finance you choose for your circumstances
you can get the lowest quotes and best rates of interest by
going with a specialist website and allowing them to search on
your behalf. A website such as this will search with companies
who specialise in offering Honda car finance and will give you
the quotes for the particular type of finance you have chosen.
All types of finance will have terms and conditions and these
should be delivered to you along with the quotes so you can read
them and determine if there are any hidden costs, the key facts
will also point out in black and white how much the loan will
cost and show the amount of interest that will be added. It is
essential that you compare the key facts along with the rates of
interest if you want the best deal possible with no hidden

About The Author: Louis Rix is a Director of NetCars
(, one of the UK's leading
motoring websites. First established in January 2000, its
mission is to become the UK's no.1 site for used car searches
and motoring information. NetCars also provide car finance,
loans and insurance.