Best and Worst Times to Buy a New Car

It is not just enough to identify the dream car and save towards it. It is also necessary that you time your purchase appropriately. This is to save greatly on the purchase price and to also take advantage of some available offers.

We are quite experienced in this and that is why we decided to write this so you can be more knowledgeable in this area too. We are going to highlight and examine in detail the best and the worst times to buy a car.

The following are the best times to buy a car:

1. End of Months and Years

All factors considered, the ends of the months are by far the most suitable for buying a new car. Study upon study have deduced that buying a car on the 30th or 31st of each month and the ends of the years such as 12/29, 12/30, and 12/31 are the best times. Buying a car at such times can save you a whopping 8.5% or more. You should, therefore, strive to time your purchase to coincide with these timings as closely as possible.

2. Special Holidays and Special Times

Other than end of months, special holidays and other special times also offer good opportunities for the purchase of a new car. These include the first of January, Halloween, Memorial Day, Back-to-school times, Labor Day, and Trade shows. This is mainly because most consumers worry about the gifts they give at such times. Cars are never in their minds. According to the rules of Economics, the prices of cars fall at such times owing to limited demand.

3. Just when an existing model is rendered obsolete

At those times when an existing model is rendered obsolete are also another perfect time to buy. This is because auto dealers will often want to dispose of their stock to create room for newer versions. So, they will often lower their prices in such a manner as to recoup their capital. Profit is never in their minds at such times. You are more-than-likely to spend less when buying a car of this kind.

Also, when a new car model hits the market, it is a good time to buy an older or existing model. The same case should also apply when a competitor has a new car on the market.

4. Car Dealer with Less Business

Not all car dealers are the same. Different dealers have different numbers of clients. Some have a higher client base mainly because of having been in business for so long. Others have fewer clients for the opposite reason: having been operational for a short duration of time.

According to the laws of demand and supply, higher demand translates into higher prices and similarly, lower demand translates into lower prices. It, therefore, follows that dealers with more business will usually charge more for the same make of car than those with less business.

To save yourself a great deal of money, you are advised to opt for the dealers with less business. They are mainly new entrants into the field of car sales. They are also found mainly in the rural areas or suburbs where demand for cars is comparatively low.

5. Low Seasons

Every item has its life cycle. There are moments of peak sales and moments of low sales. It is also necessary to factor such times while shopping for a new car. Generally speaking, December, May, June, September, and October respectively experience the lowest demands for cars. This is because it is at these times car dealers have less business and car orders. You will spend comparatively less on buying a new car at such times than at any other time.

The following are the worst times to buy a car:

1. When a New Model is released

The worst time ever to buy a new car is when a new model is officially released into the market. You are, as a matter of fact, advised to wait for at least 2 months after a release before placing an order. This is for the sheer reason that newer models are in high demand. They are, therefore, priced more expensively than their subsequent versions. Moreover, they are not properly tested for road use and may possibly let you down once in a while.

2. Before the Onset of summer

Summer is undoubtedly the peak driving season. The weather and the visibility on roads are both at their peaks. Most people also spend much of their time outdoors as opposed to spring and winter. Because of these facts, the time just before summer begins experience the highest car sales. If you opt to buy a new car at such a time, you will definitely pay a huge fee as opposed to other times of the year. Buy your car earlier or later than summer.

3. After a Credit Inquest

In case you intend to purchase a new car on hire purchase or on credit, don't do so immediately after a credit inquest. All dealers are by law required to screen their buyers to ascertain their credit worthiness before agreeing to lend to sell them cars on credit. In cases where they discover that you have been through an inquiry, they will levy higher interests due to the risks involved. That is why you have to wait until you have a favorable rating before embarking on a purchase.

4. When a Particular Car is in High Demand

The basic laws of Economics, as has already been stated, dictate that the price of a commodity increases with demand and vice versa. You should, therefore, shy away from those cars that are hot on demand. This is because you will definitely pay a premium. Instead choose those that are not that hot as you will pay less.

5. The beginning of Months, Years, or Weekends

Most people find time to visit auto dealers at the beginnings of the month, year, or weekends. This is due to their tight work schedule during the rest of the time. These peaks in visits to auto dealers create an artificially high demand which results in an artificial increase in price by the auto dealers. You are, therefore, advised against timing your purchase to coincide with these times.

We could go on and on and on if it were possible. However, the limited time and space at our disposal have only enabled us to discuss these few points. We do hope, though, that you have found our explanations satisfactory, insightful, and eye-opening. We now urge you to embark on finding your next car cautiously and using our parameters above as your guide. All the best in your search for your next car!

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5 Tips to Take Care of Your Newly Replaced Windshield

Have you just had your windshield replaced? If so, you are on the right page. In this article, we are going to share with you a couple of tips that will help you take care of your newly replaced windshield. With these tips on your mind, you can prevent further damage and save a lot of money. Without further ado, let's take a look at 5 of the tips that you may want to consider. Read on to find out more.

Be Gentle

After you have got your windshield replaced, make sure you get at least 60 minutes before taking your car outside on the road. The thing is that the adhesive requires at least a couple of minutes to get hard and set. If you don't give it enough time to settle down, the windshield won't be able to fit firmly into the frame. And this can be disastrous and can have a negative impact on the structural integrity of your car.

Apart from this, it can cost you a good deal of money as you will have to spend more money to reinstall the glass. For the next 24 hours, you should be very gentle with your vehicle. In other words, you should shut the doors of your car gently and drive it on even roads.

Keep the Retention Tape in place

Although removing the retention tape won't make your car look ugly, it plays a great role in fixing the position of the molding in addition to keeping the glass in place. Therefore, you may want to wait at least 24 to 48 hours before you drive your car just like before. Therefore, it is a good idea to leave the retention tape untouched if you want to be on the safe side.

Don't Wash Your Car

For the next 24 hours, don't think about a car wash. In fact, you don't even try to wash the car yourself. Ideally, you may want to wait for at least two to three days before you take your car for a car wash. This is of paramount importance.

Keep a Window Open

The integrity of your vehicle windshield will be negatively impacted if the air pressure inside the cabin continues to build up. Therefore, we suggest that you keep at least one window open slightly. This will allow the hot air to escape the vehicle and prevent any cracks or leaks. This step is quite important if you want to equalize the pressure inside your car.

Change Your Route

If you had to replace your car windshield due to rough roads, we suggest that you take an alternate route. In other words, you may want to drive along a different route, in addition, to park it in a shady spot.

Replacing your car windshield costs a great deal of money. Therefore, you may want to get it done by a professional and follow the steps given in this article. This will help you make sure that the windshield stays in place.

Are you looking for a windshield replacement service? If so, we suggest that you check out CPR Auto Glass Repair. They have a lot of experience in auto glass repair jobs.

Article Source: https://EzineArticles.com/expert/Shalini_M/2609777

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Reasons Why You Should Repair or Replace Your Windshield

From the safety point of view, the windshield on your car is one of the most important components. Therefore, it is important to make sure that your car window is in working condition. It is not a good idea to drive with the cracked or chipped windshield. After all, you don't want to risk your life or the lives of the people sitting in the back of your car.

In this article, we are going to take a look at the importance of windshield repair and replacement. Read down to know more.

A broken windshield may increase your chances of injury in case of a collision or rollover. Basically, the role of this window is to protect the driver and other passengers from dust while traveling.

While traveling, many elements such as dirt, rocks, and hail may hit your glass. If something big and hard hits your windshield, it may develop a crack. In this case, it is important that you fix the window as soon as possible. You can either fix the crack or replace the entire unit.

There are many purposes of this glass window. One of the main purposes is that they allow you to enjoy a clear view of what is ahead while you are driving. It is important for you to keep an eye on your surroundings so you can prevent accidents and drive with peace of mind.

If you have a broken or destroyed window, you may not be able to see clearly while driving. Being aware of your surroundings is of paramount importance for many reasons.

Regardless of how careful you may be, accidents may happen. The windshield should be able to absorb the impact then the airbags are released. As soon as the airbags are released, they bounce off of your car windshield in order to protect you from injury.

If the glass is not fitted properly, it may not work properly when the airbag is released. Therefore, having a properly installed windshield it is quite important. In case of a rollover, the windshield will prevent you from being thrown out of your car. In other words, this window works like a buffer to give you protection in case of an accident.

Although you may find it costly to fix chips and cracks, know that your life is much more important than the cost of windshield replacement. If you know that the glass can't be repaired, you may want to replace it as soon as possible.

Make sure that the professional who is going to replace your car windshield is experienced. Moreover, you may want to request a guarantee as well. Aside from this, make sure that the professional uses high-quality glass that is designed for the type of car you have.

In short, if you have a broken windshield, we suggest that you hire the services of a good professional to repair or replace the entire glass. Ideally, you may want to work with a professional who is qualified, trained and experienced.

For windshield repair or windshield replacement, we suggest that you contact a good professional like CPR Auto Glass.

Article Source: https://EzineArticles.com/expert/Shalini_M/2609777

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Basic Motorcycle Maintenance Tips for Owners

Riding motor cycle can be exhilarating. When it comes to maintenance, we all depend on repair shop, but every owner should develop a sense of confidence every time they ride with respect to basic maintenance knowledge. It is highly essential to avoid unforeseen mechanical failures. Basic technical knowhow helps keeping the motor cycle fit and running without hassle. Now, there is no need to get admitted into an automobile training school. Are you thinking of mastering your own motor cycle repair? Absolutely not required! Basic maintenance skill will help you stay independent, save time, save money and save yourself from accidents.

Change the engine oil:

Your motor cycle has an owner's manual where you can find out the frequency of engine oil change. Generally, technicians advise to change the oil after riding 2500 kilometres. Sometimes, this figure varies as per the type of oil used (mineral, semi-synthetic, fully synthetic). So you can change the oil using a wrench. It's not that difficult.

Check tire pressure:

You just need a tyre gauge to check the pressure. Generally, manufacturers recommend an ambient temperate I.e, when the tyres is cold to check pressure. Pressure recommendation vary based on specific model. These details can be found in the manual. If the pressure is low, consider filling air. If you have a personal compressor or simply a bicycle pump at home do it now.

Clean the air filter:

Whether it is a paper filter, cotton filter, or foam filter inspect the cleanliness every time you change engine oil. Remove the filter from its housing and clean it properly following manual. If it is a paper filter, you can't clean it. For satisfaction, blow air for cleaning. If it is a foam one, use air flow and in case of cotton, cleaning fluid can be used. It will help your engine get plenty of fresh air.

Check the battery:

Battery performance depends on quality and maintenance. If the battery is older than 3 years, it's time to be cautious. You must inspect and change it immediately if it doesn't keep charge. If you face dim light, problem in start, etc. check the voltage scale test using a multimeter.

Grease cables and chain:

It is very important to oil and grease cable housing, chain and some other jerk fittings. Consider greasing in points like sliding points, pivoting points and rotating points. So lubricate whenever you find these places dry.

Clean the body:

This task should be performed in a regular interval to protect the motor cycle from dirt, and to protect the original paint. Regular cleaning also helps avoid junk in iron parts and maintain a shiny look.

All the above needs a little effort to upkeep the vehicle and enjoy a worry free ride. These maintenance efforts require a little automotive technical knowledge. Once you start doing tem, everything will be easy.

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When Is a Good Time to Buy A Used Car?

Buying a car can be a tough and emotional decision. There are so many factors to consider when it comes to making such a big buying decision. When is the right time to buy a used car?

There isn't really a particularly good or bad time to buy a used car, but there are a few factors to consider when it comes to the timing of making a big purchase.

Disposable income. Your budget is a very important factor when it comes to buying a car. Consider how much disposable income you have available. In other words, how much money do you have left after all your expenses are paid? And how much money will you have left after you buy a car? If you have a set amount available for the monthly repayments of the car, then find out how much the total value of the car will be that you can afford. Stick to that total value. Rather buy a car that is below that value than one that is above it because you could find yourself in a tight position when it comes to your monthly finances.

Current car problems. Is your current car giving you more problems than usual? Are you spending a lot of money on repairs? Could you rather allocate those funds towards a reliable car? If you find yourself having to fix engine issues every month or your car is getting old and giving you a lot of problems, then you might want to consider trading it in for another one.

Family is expanding. If you currently have a small car and you are going to have another baby, then you will need to consider looking for a car that is more spacious and suitable for a family of three or four, depending on your situation. A baby may be very small but they come with so much luggage. Consider the size of the pram and the bags that you will have with you. Will everything fit in the boot?

Maintenance plan is ending soon. If you have car that currently has a maintenance plan that is coming to an end, then you might consider selling it. You can then look for a used car that is less than 2 years old which still has a maintenance and service plan in place. This gives you the peace of mind that all your services will be covered as well as any maintenance that needs to be done. With a maintenance plan you can be assured that the original parts will be used and that no shortcuts will be taken when it comes to repairing faulty parts.

http://www.FindYourCar.co.za is an online platform to find used cars quickly and easily. It is also a reliable platform because the used cars advertised are posted by reputable car dealers. There are many quality used cars on our website and with the car dealer's direct contact details as well. There's no middle man so the process of finding and buying a car is stress-free and easy.

Article Source: https://EzineArticles.com/expert/Ismail_Sakoor/2020586

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Why is a Car Lease the Best Option for You?

Car leasing has been traditionally regarded as a beneficial phenomenon for reasons more than one. At the onset, if you are leasing a car instead of buying the same, you are definitely avoiding almost life-long commitment to a car with depreciating value. Add to that, you're coughing up less on maintenance and as monthly fees as well. Explored below are other reasons why leasing a car turns out to be a great option for you!

A car with "better value" guaranteed!

When compared to buying, leasing remains a more fruitful option because inevitably you are paying for the depreciation of the car during the lease period only. Since you don't own it you are not really committing to the car's value for a longer time. Your monthly payments, as a result, are lower than other forms of finance. This, in turn, leaves you with the option to secure a more desirable make or trim. You are basically driving the car mostly during its trouble-free years.

Latest Technology

As someone leasing a new car you are actually enjoying access to the latest technology backing cars. MirrorLink, for instance, remains one of the popular additions in the line-up modern techniques. It syncs your smartphone screen with that of your car's for improved night vision. Then there is Autonomous Emergency Braking which minimizes the risk of crashes.

Down Payment is not always Mandatory!

If you are leasing a car, you do have the option of not shelling out down payment. However, you need to make the first month's payment along with the registration fees and official tag. In this regard, it must be mentioned that there might as well be some car lease promotional deals that require you to cough up the down payment.

What are the Big Ticket Monitoring Costs: How can you Avoid them?

The big-ticket monitoring costs can be duly avoided as well. Since you are driving the car in its trouble-free years, you will not really be required to replace the aircon units or for that matter the timing belts. What more? You might not as well require batteries as well!

Are manufacturer's warranties covered?

If you are prudent enough to lease for a term which is almost similar to the manufacturer's warranty coverage, you will actually have your car repairs covered. Depending on the terms of the lease you might as well find some companies offering you free scheduled maintenance services.

Find the easy way to leasing your next vehicle. The car dealers at Capital Motor Cars will make sure that you get the best car lease deal without any hassle.

Article Source: https://EzineArticles.com/expert/Christopher_Amico/2545993

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7 Ways You Are Destroying Your Car

Your car is one of your most valuable assets. It takes you to and from the places that make you money, pay your bills, feed your family, and more. For this reason, you should be taking extra care of your vehicle if you want it to last a long time. There are many ways you can damage your vehicle, so it is important that you develop good car care practices early on in your driving career.

Many drivers have developed habits that they think are helpful, but actually do more harm. Continue reading to learn the top 7 ways you are ruining your vehicle without even knowing it, and what you can do if it is no longer suited for the road.

1. Revving the Gas

Many drivers believe they can warm the engine up faster by revving the gas pedal over and over again, but this is not good for your vehicle because it leads to engine damage. If it is cold outside, it is best to allow your vehicle's inner fluids to warm up; but revving the engine is not the right way to do it.

2. Riding the Brakes

Many people also have a habit of "riding the brakes", which basically means slightly adding pressure on the brake pedal while driving so that they can stop instantly at any time. This practice, often executed on downward hills, is highly damaging to a vehicle's overall braking system. Driving at lower speeds will help eliminate the urge to keep your foot on the brake petal at all times.

3. Failing to Decelerate at Bumps and Potholes

Speed bumps, potholes, and other surface blemishes can be highly destructive to a vehicle's suspension and undercarriage parts if you fail to significantly reduce your speed while passing over them. In fact, potholes should be avoided at all costs. Speed bumps should be driven over, cautiously and slowly.

4. Habitually Driving With Low Fuel

Gas prices are certainly a bummer, but you do not want to drive around with $10 in your tank at all times. Be sure to always fuel up all the way at every fill-up in order to prevent forcing your vehicle to use the old, mucky fuel at the bottom of the fuel tank at some point in time. This will lead to engine damages and clogged filters.

5. Suddenly Starting and Stopping

Whether in rush hour traffic or in a big hurry to not be late to work, you do not want to resort to sudden stopping and starting, over and over again. This habit of driving puts a lot of pressure on the internal workings of the braking system and rotors, and significantly increase fuel consumption.

6. Driving With Improperly Inflated Tires

Proper tire inflation is heavily significant to the overall safety and performance of a vehicle. Not only are improperly inflated tires unsafe, they will eventually cause other damages to a car. Be sure your tires are not over or under-inflated by checking the levels regularly with a manual tire pressure gauge.

7. Neglecting Regular Scheduled Maintenance

Routine car maintenance, such as inspections and fluid chances, are imperative for vehicle safety, performance, and longevity. Be sure to have your car serviced according to the instructions in the owners' manual if you want to avoid unsafe driving conditions and repeated repair costs.

Is Your Car Done For?

If you are guilty at damaging your vehicle beyond the possibility of repair, you still can bring home a profit to use toward a new vehicle. Simply sell your junked car for cash on the spot at any local junk cat buyer! Regardless of age, make, model, or condition, a professional junk car buying company will pay you cash for the recyclable scrap metal inside your vehicle.

Call GC's Junk Cars at 317-608-2188 to sell a junk car in Indianapolis. They offer free towing with their in-house tow truck, so all you have to do is call and accept their offer! Request a free estimate, today.

Article Source: https://EzineArticles.com/expert/Sarahbeth_Kluzinski/1326228

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The Dangers of Drowsy Driving

It is no secret that driving while drowsy is extremely dangerous, but new research is showing why we get so sleepy when driving or even while riding in the car. It also supports the fact that we must find a solution fast.

According to new research, driving makes us lethargic, even while most alert. New studies show data that should interest both car manufacturers and road safety experts. Experiments show that while in motion, cars emit a low frequency vibration that begins to make both drivers and passengers sleepy after just 15 minutes of exposure!

In this study, 15 test subjects were put through a highway driving simulation and researchers monitored their heart rate variability. The HRV is a good test of drowsiness because it detects the changes in the central nervous system that occurs when we physically feel tired. The data supported the claim that it takes just 15 minutes for the driver to feel tired and 30 minutes for the tiredness to have a noticeable effect on the driver. The sleepiness levels were also found to steadily increase throughout the duration of the experiment.

Unfortunately, these results are slightly limited due to the small sample used. Additionally, the driving simulation was not an extremely accurate representation of the real thing. However, the extreme tiredness and its effects are extremely noteworthy. With further research, car manufacturers should change some of the design of cars to reduce the vibration, such as changing the shaping of car seats. But, that may take a while, so road safety specialists should calculate the maximum amount of time that a driver can and should be driving, before the drowsiness has adverse effects.

Either way, a solution must be found, since 1 in 5 fatal crashes are due to at least one drowsy driver. For now, all we can do is take the preventative steps to avoid extreme sleepiness while driving. Part of the problem is that some drivers are already drowsy when they get behind the wheel. In fact, 60% of Americans admit to getting behind the wheel while feeling tired and 37% report to have actually fallen asleep.

Those numbers are insane, especially since previous research has shown that driving while drowsy has the same effects on your driving as if you drive while under the influence of alcohol. Experts say that if you drive after staying awake for 18 hours straight, it has the same impact of having a BAC of 0.05 (when the legal limit is 0.08). Furthermore, after staying awake for 24 hours or having a restless night sleep, your driving skills are impaired the same way as if you have a BAC of 0.10.

If you choose to drive while tired and a collision occurs, you can probably say goodbye to your cheap auto insurance, since your premiums will likely increase. But, sometimes drivers are not aware of how fatigued they really are and have a hard time judging if/when they will fall asleep. So, if you notice that yourself or someone else driving has any of these symptoms it is a tell tale sign that they need to rest a while before continuing.

Difficulty Focusing

Excessive Yawning

Drifting/Getting too Close to Other Vehicles

Having Trouble Keeping Your Head Up

These are just a few signs that a driver is drowsy and should get off the road as soon as they possibly can. Hopefully, experts can find an effective solution to help alert drivers stay alert in a combined effort with drowsy civilians avoiding getting behind the wheel to minimize the fatalities caused by driving while feeling tired.

https://insurancenavy.com/best-auto-insurance-illinois/

Article Source: https://EzineArticles.com/expert/Ted_Quinn/2578364

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Owning a Car Can Quickly Put You in Debt?

 

It is no secret that owning and maintaining a car is a huge commitment, especially financially. You have to consider costs of fueling, auto insurance costs, and maintenance fees.

A lot of people absolutely need a car for their job or a variety of other reasons when public transportation is not an option for them. However, many people do not realize what they are exactly getting into.

Many people cannot afford their own car or at least they do not realize it. They can provide the upfront costs of the vehicle, but then have a rude awakening when it comes time for an unexpected repair.

80% of car owners endure repairs that cost $500 or more. Meanwhile, 40% of US adults do not have the funds available for a $400+ emergency which means any unexpected cost over $400 must be charged to a credit card.

That is a pretty hefty amount of people which can be interpreted as people not realizing the extent of costs involved with car ownership. Or in other words, a high percentage of Americans underestimate the cost.

Now, back to the 40% of US adults having to charge unexpected costs to a credit card... Why is this such a bad thing? Honestly, it is not that bad... if the credit card holder is able to pay the bill at the end of the month.

However, many people are running into the issue of being unable to afford the bill. This means that you must pay interest as long as you cannot pay it off. Consequently, that means you will end up paying much more for the repair than you needed too, you risk going into credit card debt, and you risk suffering damage to your credit score.

So, how do you avoid this snowballing effect? The key is setting up an emergency savings account which experts recommend building up to about 3-6 months worth of living expenses. That may sound like a lot, but it will really add up if you up $100-$300 a month into it. Besides, some vehicles may end up needing repair sooner than others, so you will want the excess funds, before you burn through them.

Financial experts also advise checking out your budget and finding small areas to cut corners to make this amount of savings happen. You may need to cut some luxuries out of your routine or even pick up a side job in order to have the cash that is not already assigned to go somewhere else in your budget. Save as much cash as possible, that means from gifts, too.

So, do not let your personal vehicle put you in debt. It can be prevented as long as you are proactive, taking the correct steps to put away money that you can use when you really need it. Remember to be aware of how much the typically auto repair actually cost and surely you will be prepared to handle most vehicle related costs thrown your way.

https://insurancenavy.com/best-auto-insurance-illinois/

Article Source: https://EzineArticles.com/expert/Ted_Quinn/2578364

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Being Safe and Responsible On The Road

Fasten your seatbelt! The passengers inside a moving vehicle are traveling the same speed as the speedometer indicates. When a vehicle hits a solid object the people inside keep moving until something stops them. If you are not wearing your seatbelt, you will be either thrown out of the vehicle, or the steering wheel, windshield, dashboard, other objects or another person might be what stops you. This "human collision" often causes serious injury.

Everyone is responsible for avoiding collisions. Even if someone else does something wrong, you may be found responsible for a collision if you could have done something to avoid it.

Be courteous while driving. It means giving other drivers space to change lanes, not cutting them off and signaling your turns lane changes properly.

Drive defensively. It means being able to see dangerous situations before they happen and to respond quickly and effectively to prevent them.

Turn on headlights one-half hour before sunset and keep them on until one-half hour after sunrise. Don't drive with only one headlight or with lights that not aimed properly.

Use signals to tell other drivers what you want to do. Give the correct signal well before the action and make sure other drivers can see it.

Keep to the right of the road unless you want to turn left or pass another vehicle. Get into the habit of driving in the right lane, leaving the other lanes clear for passing. Left lane is the passing lane in all multilane roads.

Obey speed limits. Where there are no posted speed limits, the maximum speed in 50 km/h in cities, towns, villages and built-up areas.

Yield. At an intersection without stop signs or lights, you must yield the right-of-way to any vehicle approaching from the right. At an intersection with stop signs at all corners, if two vehicles stop at the same time, the vehicle on the left must yield to the vehicle on the right.

Stop for school buses. No matter what direction you are traveling in, you must stop whenever you approach a stopped school bus with its upper alternating red lights flashing, unless you are on a road with a median. (A median is a raised, lowered or earth strip dividing a road where vehicles travel in both directions.) You must obey the school bus law on any road, no matter how many lanes or what the speed limit. Be prepared to stop for a school bus at any time, not just within school hours. If you don't stop for a school bus, you can be fined $200 to $1,000 and get six demerit points for a first offence.

Shoulder check while parking. If you are reversing straight back or to any direction, turn you body and head to the direction and look back over your shoulder. If you need to remove your seat belt to turn your body to see properly when reversing, do so. But don't forget to buckle up again before moving forward.

Upon entering a freeway, always use the acceleration lane to raise the speed to the common speed of traffic on the freeway before merging with traffic. Be careful not to cut off any vehicle when joining the flow of traffic. It is dangerous and illegal for a slower moving vehicle to cut in front of a faster moving vehicle.

If you must use a cellular phone when driving, use a hands-free microphone. Make it a habit to use your cellular phone only when you are parked, or have a passenger use the phone.

Visit Brandon Safety Lights for the best in traffic safety supplies: http://brandonsafetylights.com

Article Source: https://EzineArticles.com/expert/Lydia_Quinn/29438

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Solving the engine blow-by problem.

Solving the engine blow-by problem.

This article reviews the causes and remedies of engine blow-by. Some of the service tips individuals and mechanics are using to limit blow-by are taken from web page links at the bottom of the article.

Solving the engine blow-by problem. What is blow-by?

Blow-by refers to excessive combustion and fuel vapors that have slipped pass the engines pistons. Its nasty, cooking hot vapors then mix with the engine oils in a negative way.

In years pass auto makers vented blow-by via a vent tube into the air. Vented to the air, blow-by harms and pollutes the air, causes breathing problems in the young, harms vegetation, and poisons water in lakes and rivers.

In many cases, blow-by and exhaust fumes both mixed with upper layers of atmosphere. There, a more harmful chemical reaction called smog, occurs. This happens when sunlight passes through it. Smog, a stronger poison conversion of blow-by further deepens the harmful aggravation to life and living things. Blow-by is not good!

With worldwide pressures and laws, car makers were forced to do something to stop or control blow-by, and limit harmful exhaust. It does so with anti-smog making systems for motors. We call these "emission controls" - and all engines now have them.

Normally, in a good engine, with clean internal conditions in the cylinder and combustion area of the motor, clean conditions limit combustions blow-by escape pass the pistons. What does escape is recycled back into the combustion for reuse. 25,000 fuel and combustion services keep the system clean.

Most engines require a "smog service" every 25,000 miles for a normal long life. Some brands of smog service additives also end the blow-by problem. We use those brands. At links given below.

Since the blow-by term refers to excessive amounts of blow-by pressure in the crankcase - it means, resources to properly remove blow-by are over taxed.

When it's your engine problem - here's how to handle its solution.

Blow-by can originate from 3 causes:

Worn or sticky piston rings, or valve guides. Their wear gaps.

A plugged up crankcase recirculating system. Can be stopped up.

Leaking O-rings or gaskets in the pressure side of a supercharger.

Remedies:

For problem one, it's time for a new engine. [$4000 up]. However, additive treatments are available to return blow-by to normal, and gain years more good life from the engine. All at a fraction of new engine expense.

For problem two. The engine crankcase ventilation system is not sucking out combustion blow-by. Not sending it to be re-burnt in the combustion cycle again. This can be from a dirty PCV Valve [under $25 replacement cost], or plugged up system orifice. Its usually a mechanic who will stick a wire into the orifice, and or spray carb cleaner into the orifice to open and restore its suction of crankcase blow-by fumes.

For problem three. A mechanic skilled in the supercharger system will find the troublesome gasket or o-ring, replace them, and verify leakage of pressurized air into the motor has stopped. Ending that cause of blow-by.

In my shop, and in my training classes for mechanics, I demo usage of several additives to clean the blow-by PCV system. These include the Mega Power Brand Emission System Service Treatment Additives. Their product contain the ingredient power needed to clean sticky piston rings - ending that blow-by cause.

Such a service can now be performed by anyone wanting to end the problem themselves. See links below. Doing so, select product with dual, engine tune up, injector, and combustion, piston ring cleaning values. Look also for cleaners and polymers to free piston rings, and fill engine worn spaces - all aids correcting the blow-by problem.

Those cleaning procedures also lower exhaust smog pollutants. So, the service can help older engines run cleaner, with less blow-by. Such product aids passing their smog test. These 2 services [about $200 to $400 each] will end the engines blow-by piston and wear problem. It often avoids engine replacement for many years.

While these additives offer protection and reduce combustion blow-by - they cannot correct o-ring and seal, supercharger pressure system failures.

For a picture see = http://www.auto-tune-up-and-repair-options.com/images/blowby-valve-piston-drawing.png

For more blow-by reduction information, tips, and product info, visit links below.

Blow-by products: https://www.auto-tune-up-and-repair-options.com/blowby-motor-fix.html

Article Source: https://EzineArticles.com/expert/George_Christ/111373

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Car insurance estimate: How much do you need?

Car insurance estimate: How much do you need?

Every car buyer goes through a checklist before buying his or her brand new car. The most important aspect of the list is the auto insurance and the car insurance estimate. A car insurance acts as a protection for your car as a whole. Your insurance officer may offer you a varied range of auto insurances depending on the type of vehicle you own, the amount of coverage you need and the number of years you wish to have the protection for, in return of a yearly amount, known as the insurance premium.

When you incur a car accident, the cost of damages the car bears is covered by the car insurance you opt for, this, however, does not include any damage incurred above the overall auto insurance amount.The value of your auto insurance estimate is calculated by the IDV or the Insured Declared Value of your vehicle; the IDV is the maximum amount the insurance company is going to pay for the damages your car incurs. The amount of IDV roughly equals to the actual market price of the car you own or the showroom price of your car. The IDV thus is not a constant value and keeps changing periodically.Upon renewal of your car insurance after a year, the value of IDV will decrease because of the amount of depreciation charged on it after a year.

What are the damages covered by the car insurance?

The car insurance will not cover all the damages your car faces, during the life of the insurance. Coverages in the US are usually seen in a cluster of three numbers separated by a dash, for example, 20/50/30 or 100/500/100. The first two numbers are usually seen for medical coverage. For 100/500/100 the insurance company policy will pay $100,000 per person up to $500,000 combined for all people. The last number covers damages made to the property, that is any other vehicle or property you hit in an accident.

A comprehensive auto insurance plan will mainly cover the following types of damages:

Liability Coverage:

The coverage also commonly known as casualty insurance, mainly covers bodily injuries and property damages, that is damage to your car. The amount of insurance will, however, vary from one jurisdiction to the other. The insured is also allowed to increase the amount of the insurance coverage (before the loss), to cover any loss incurred during the accident.

If in an unfortunate circumstance, you hit a telephone pole with your car. In such a case, the liability coverage covers the expenses of the damage caused to the pole. It, however, does not cover any other expenses related to the damage being caused such as disruption of services claimed by the Telephone company.

A bodily coverage covers the insured from possible injury during the accident as well as covers him or her from any third party damage caused by accident. The coverage covers the court costs and damages the insured is being sued for.

Full Coverage

Full coverage covers both collision and comprehensive damages done to your vehicle. The collision coverage covers the vehicle involved in collisions, by paying out for the repair of the damage incurred or by paying out the cash value of the vehicle in case the vehicle is not repairable.

Comprehensive coverage covers the vehicle from damages not ordinarily considered as collision damages. The damages covered by this coverage are damage due to theft, vandalism or impact with animals. Additionally, a lot of insurance companies also include 'Act of God' damages that is any damage caused by event or events caused to factors that are beyond human control, such as cyclones, tornado, tsunami etc.

Apart from the main coverages mentioned above, insurance companies in the US also provide the following coverages:

1. Damages done by uninsured/underinsured motorist (UM/UIM)

2. Loss of use

3. GAP coverages.

4. Lease/Loan Payoff.

5. Emergency Road Service Coverage.

6. Mechanical Breakdown Coverage

7. Custom Parts and Equipment Coverage.

How can you calculate a car insurance estimate?

You can follow these simple steps, to correctly get your car insurance estimate:

1. Before buying a auto, narrow down on your choices.

2. Determine the amount of coverage you'd ideally be needing. If you are buying a new car, you should go for insurance that covers collision and comprehensive damages as well. This is however not mandatory in case of a used auto.

3. Compare insurance quotes for your vehicle. Different companies will have different insurance costs for your vehicle depending on the type and market price of the model. Comparing the quotes will help you narrow down to the best insurance for your auto.

4. Make the final choice, based on the comparison chart.

What should your ideal car insurance estimate be?

There are a lot of factors that affect your car insurance estimate. Ideally, you should choose a plan and amount, which covers most of the possible damage that your auto may incur in the lifetime. The amount of insurance you chose typically should be higher than the actual cost of your overall auto.

The ultimate car insurance estimate will ultimately depend on your own choices and individual situation. It is always advisable to look at a wide range of options and companies offering auto insurance after calculating the car insurance estimate. Comparing insurance quotes, and what they cover with each other will ensure you get the most out of your auto insurance.

Looking for the car insurance estimate? You've come to the right place. At InsuranceEstimate.net, we'll help you compare the most competitive offers from USA leading car insurance companies. You'll get the policy that suits you best while saving time and money.

Article Source: https://EzineArticles.com/expert/Sohil_Gala/251918

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All You Need to Know About Windshield Replacement

You were happily driving in your vehicle - and suddenly crack! Now you need to have a windshield replacement. Do you know that your windshield is a safety device?

It can save you from wind, debris and rain. More importantly, it can lower the risk of crash injuries. It can even save your life or of any other passenger. In case of an accident, it can protect you from the debris. It also supports the roof of your vehicle.

So much use of such a silly thing!

So if you get a crack in your windshield, you should immediately contact the nearest car servicing center and get it repaired or replaced.

Glass Cleaning and Inspection

To clean your car windshield you should always use cleaners devoid of ammonia. Ammonia-based cleaners are harmful to upholstery materials and dash and window films.

Use microfiber towels or soft pieces of cotton to make the cleaning process smooth. This will leave your windshield beautiful and shiny.

1. Considerations during auto glass inspection:

2. Check the glass outside as well as inside for cracks and chips.

3. Check if your windshield is badly pitted.

4. Do not forget the edges of the windshield.

Make sure the wipers are soft and pliable. They should be able to clear water from the windshield in one motion.

Glass Repair

In today's age, the technicians can even repair your damaged windshield. Some insurance companies' cover glass repairs without any deduction because this is much cheaper than glass replacement.

The location and size of the crack will be a determinant factor of whether you should go for glass repair or glass replacement.

If the chip is smaller than a quarter or the crack is only of few inches then it is possible to repair it. But you should take care that glass repair can affect visibility.

Glass Replacement

If you are replacing your windshield then using proper techniques and quality materials is very important for your safety. You should not trust anyone with glass replacement. Go to only well-established businesses in your town.

You must know that windshield replacement can be very costly. It can leave a huge dent in your savings. If you have got insurance cover, then this will be covered under the comprehensive part.

Cost and other Considerations

If you are someone without car insurance, then various factors determine the cost of windshield replacement. It varies according to the car model, car make, location and the type of glass to be used.

The average repair cost in 16 major cities of the US for a Honda Accord will range anywhere from $250 to $300, while in case of BMW XS it can be anywhere between $350 - $450.

In the case of windshield replacement, it would be better if you could spare some more money. This can be a life or death decision for you. A little dent on your saving that can save your life, is worth it.

So what are you waiting for.? Think no more. Top-quality windshield replacement is just a couple of miles away. Take up your phone and dial our number to get windshield repair at the most competitive price possible.

Article Source: https://EzineArticles.com/expert/Shalini_M/2609777

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Best Electric Cars for Eco-Friendly Driving

RECHARGE or RENEWABLE POWER is the slogan as of now in the automobile industry, especially the car manufacturing houses are aiming to develop electric cars and tap the government subsidies. For instance Mahindra has e2oPlus and eVerito whilst Tata Motors is planning to bring out an electric version of Nano, in addition to working broadly with the State-owned Energy Efficiency Services Ltd (ESSL) on (EVs) electric vehicles. It's not only the case with Tata, every player in the automobile sector is up on the toes to change the game using 'ELECTRICITY'. Whilst many electric cars are doing rounds on foreign roads the Indian roads are yet to see them move. For time being let us see which of the best electric cars are already making tours somewhere else.

Chevy Bolt EV:

Its sickening to see that the US-based Chevrolet is slowly slipping away from the Indian market but people wish it hits back with a bang with it's Chevy Bolt EV. This classy car powered with a torque of 266-pound-feet is said to last nearly 238 miles (roughly 380 kms). Priced about $36,000, this classical Bolt is the finest example to say that decent things arrive in small yet powerful packages. It is a 5-seater solid hatchback that has 10.2 inches infotainment system which supports Apple CarPlay and Android Auto.

Hyundai Ioniq Electric:

It's extremely high in looks and a top-class example for top class features. It has a steering wheel wrapped in leather, comfy front seats, automatic AC, 7 inches' touchscreen amongst many other features. It runs nearly 124 miles on one charge. Priced under $30,000, Ioniq is available in 3 variants - plug-in hybrid, electric car and a traditional hybrid as usual.

BMW i3:

Fuse luxury car specifications and an eccentric design you get all new BMW i3. 170 horsepower gives it the robustness and it comes with 114 miles range. BMW i3, rightly a distinctive style statement costs about $42,000. It's expensive but its a desirable for the sheer fact that it is stylish.

Tesla Model S:

If you really love having EV then go for this, it is beautiful, stylish and totally a vehicle with real stuff. Tesla says proudly that this is the car that has the maximum range in comparison to any of its competitors at present. With just single charge it travels all the way 335 miles. You know what? It also catches 60mph from 0 in 2.5 sec. It costs about $70,000 and rightly the finest electric car.

Kia Soul EV:

This is one more breath-taking car with boxy design - it perfectly showcases distinction and style. It has a range of 93 miles and is completely spacious and comfortable. Coming with 109HP it can easily accommodate 5 people giving fullest comfort. It is priced at about $34,000.

Nissan Leaf:

Leaf from Nissan as of now can be called the most renowned amongst EVs as it has its own valid and solid reasons for this. The 40-kWh battery in it allows breakless 400 km journey with 1 full charge. The battery takes something around 8 to sixteen hours to get charged (based on the input power capacity). At just about $30,000, this Japanese car is also elegant in design.

Tesla Roadster:

It is powerful, extremely stunning in looks, high in features and a class in design. We aren't saying this Tesla is saying and if you don't believe you can check it yourself. With the highest speed (250mph) it reaches 60mph from 0 in less than 2 seconds. Priced at $200,000 it even has a detachable glass rooftop.

So, with this, we end up our list and if you have some other good EVs please let us know. And to know more about Electric cars from Mahindra go to AutomotiveMahindra

Article Source: https://EzineArticles.com/expert/Sudheendra_Reddy/2565050

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6 Tips to Shop For a Car

Following 6-steps will help you in shopping for a new car.

1. Right Dealer for Test Drive

Choosing the right dealer is important; most dealers will have a single range of autos from specified auto maker. Sometimes there is good resemblance in a SUV and a Mini Van for people transportation. There is a need to know every make and model out there. But if you're opting to buy a used vehicle then it is different strategy. Then it's best to choose a dealer who does not specializes in one brand of vehicles but can provide more test rides from different makers inside your desired needs. And remember you will be shelling out a reasonable fee for some broker too.

2. Second Opinion that Makes Sense

After test-driving at least 3 different auto brands things will be visible that which of the three vehicles really suits your needs. Before submitting yourself to the dealer, make sure you ask for a second opinion about the vehicle you are about to sign purchase contract. The sense prevails after a new model hits the market and the resale value of second-hand does not go down for first three years.

3. Minor Changes vs Full Model Change

This is very important to understand about minor changes Vs Full model change. Minor changes in any model cannot reflect on an overall body design change. It can be Front grill, head-lights, tail lights, interior or mechanical change in oversizing or downsizing the engine. People often clean closets, change wallpaper, or rearrange and buy new furniture; for your new car also you have to set up the stage. It's not like buying a can of soda, so that you can throw it away if it doesn't taste good to you but most car owners get attached to their cars.

Major changes imply that the whole design + interior + Specs are changed by the automaker. Major changes in family cars happen in about 5 years, and normally between 7- 10 years in 4-runners, trucks and buses. Japanese automakers are very dynamic and the others follow them in making the changes to their line-ups.

4. Financing your new Car

Mostly the new cars are purchased via 3rd. party financing and the dealers have a financing schemes too. There is less possibility of buying on cash basis but if one can afford then nothing like it. If you are a regular changer then a lease plan is also available at most of the dealers, say 3-5 or 7 years lease plan. Please have a chat with your tax advisor as how to approach about the financing. Like the 3 above points this is also a very important one. Sometimes to promote any model the dealers introduce very low interest rates as low as 1%-2% annually. If it is 3rd. party financing, then you have to study about the pros and cons of the schemes, because sometimes you will be paying as much as 10% annual interest which might affect your budget.

5. Insurance in Detail

Recently a senate bill 1567 has taken effect about prohibition of other drivers to drive a car owned by a family. This means that the households cannot drive family car if their name is not covered by the insurance company or if they are not the policy owner.

Same rules actually apply all over the world, but look at the individual policy about car theft and damage occurred due to nature eg; floods, hurricanes etc. Look at the payment options provided by your insurance company. Also, checkout if your car claims are handled by in-house adjusters or some 3rd. party adjusters. This will save you from a great hassle and loss of time.

6. Selling your car

This is the last tip and very useful if you follow easy rules about knowing value of your pre-owned car and find the right buyer. New buyers are always prowling for clean, well-maintained and mechanical sound vehicles. If you can individually hire a good broker and explain the history of your car, they might be able to provide good advice. The high trend is selling your car at the auto auctions, mostly these auctions are not open for general public but your broker is certainly member of most of these auction sites. Be willing to be flexible after all you have to sell the vehicle. Settle on a price that you both can agree upon is best when the vehicle is auctioned.

When looking for a Japanese brand vehicle to Import direct from Japan, select a good and reliable Japanese car Dealer!

Lila Ivanova is a sales analyst working with used cars exporters in Japan.

Article Source: https://EzineArticles.com/expert/Lilaa_Ivanova/382993

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Solving the engine blow-by problem.

Solving the engine blow-by problem.

This article reviews the causes and remedies of engine blow-by. Some of the service tips individuals and mechanics are using to limit blow-by are taken from web page links at the bottom of the article.

Solving the engine blow-by problem. What is blow-by?

Blow-by refers to excessive combustion and fuel vapors that have slipped pass the engines pistons. Its nasty, cooking hot vapors then mix with the engine oils in a negative way.

In years pass auto makers vented blow-by via a vent tube into the air. Vented to the air, blow-by harms and pollutes the air, causes breathing problems in the young, harms vegetation, and poisons water in lakes and rivers.

In many cases, blow-by and exhaust fumes both mixed with upper layers of atmosphere. There, a more harmful chemical reaction called smog, occurs. This happens when sunlight passes through it. Smog, a stronger poison conversion of blow-by further deepens the harmful aggravation to life and living things. Blow-by is not good!

With worldwide pressures and laws, car makers were forced to do something to stop or control blow-by, and limit harmful exhaust. It does so with anti-smog making systems for motors. We call these "emission controls" - and all engines now have them.

Normally, in a good engine, with clean internal conditions in the cylinder and combustion area of the motor, clean conditions limit combustions blow-by escape pass the pistons. What does escape is recycled back into the combustion for reuse. 25,000 fuel and combustion services keep the system clean.

Most engines require a "smog service" every 25,000 miles for a normal long life. Some brands of smog service additives also end the blow-by problem. We use those brands. At links given below.

Since the blow-by term refers to excessive amounts of blow-by pressure in the crankcase - it means, resources to properly remove blow-by are over taxed.

When it's your engine problem - here's how to handle its solution.

Blow-by can originate from 3 causes:

1. Worn or sticky piston rings, or valve guides. Their wear gaps.

2. A plugged up crankcase recirculating system. Can be stopped up.

3. Leaking O-rings or gaskets in the pressure side of a supercharger.

Remedies:

For problem one, it's time for a new engine. [$4000 up]. However, additive treatments are available to return blow-by to normal, and gain years more good life from the engine. All at a fraction of new engine expense.

For problem two. The engine crankcase ventilation system is not sucking out combustion blow-by. Not sending it to be re-burnt in the combustion cycle again. This can be from a dirty PCV Valve [under $25 replacement cost], or plugged up system orifice. Its usually a mechanic who will stick a wire into the orifice, and or spray carb cleaner into the orifice to open and restore its suction of crankcase blow-by fumes.

For problem three. A mechanic skilled in the supercharger system will find the troublesome gasket or o-ring, replace them, and verify leakage of pressurized air into the motor has stopped. Ending that cause of blow-by.

In my shop, and in my training classes for mechanics, I demo usage of several additives to clean the blow-by PCV system. These include the Mega Power Brand Emission System Service Treatment Additives. Their product contain the ingredient power needed to clean sticky piston rings - ending that blow-by cause.

Such a service can now be performed by anyone wanting to end the problem themselves. See links below. Doing so, select product with dual, engine tune up, injector, and combustion, piston ring cleaning values. Look also for cleaners and polymers to free piston rings, and fill engine worn spaces - all aids correcting the blow-by problem.

Those cleaning procedures also lower exhaust smog pollutants. So, the service can help older engines run cleaner, with less blow-by. Such product aids passing their smog test. These 2 services [about $200 to $400 each] will end the engines blow-by piston and wear problem. It often avoids engine replacement for many years.

While these additives offer protection and reduce combustion blow-by - they cannot correct o-ring and seal, supercharger pressure system failures.

For a picture see = http://www.auto-tune-up-and-repair-options.com/images/blowby-valve-piston-drawing.png

For more blow-by reduction information, tips, and product info, visit links below.

Blow-by products: https://www.auto-tune-up-and-repair-options.com/blowby-motor-fix.html

Article Source: https://EzineArticles.com/expert/George_Christ/111373

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Car Insurance and the Importance of the Proposal Form

The transition from paper to digital hat in many ways changed both the format and the understanding of what a proposal form is in the context of car insurance. Pre internet, people would have to fill in a proposal form in order to obtain car insurance, often having been given a verbal quote first of all.

Nowadays, insurance companies have pushed the whole mechanism of obtaining car insurance online, and people had to fill in a significant amount of information, often over several screens, in order to obtain a car insurance quotation, and obtain cover itself. The difference, is that many people often think of the online questions as more of a questionnaire, rather than as a legal document, which in effect is what it is.

It is worth understanding the context of a proposal form, whether it be in paper or digital format, given that any wrong or misinformation can invalidate the insurance policy, and allow the insurance company to deny any liability in paying future claims.

A proposal form is the basis on which the insurance company obtains information on a potential customer, that allows them to assess a risk, and decide whether or not to agree to insure them, and if so, on what terms and conditions and at what cost. The proposal form will include a number of questions designed to elicit the information that the insurance company feels it needs to know in order to assess the risk.

What is often not understood about a proposal form, is that the potential customer has an obligation to disclose any information that might be relevant to the insurance company in order to make this assessment. This is irrespective of whether or not there are any questions that cover the information. This principle in insurance terms is known as utmost good faith. It puts the onus on the potential customer to disclose all information that an insurance company might reasonably expect to be relevant.

A proposal form will often have several parts to it, with several sub-sections depending on particular answers. One obvious example would be that of motoring convictions. If the question is asked whether or not the insured has any prior motoring convictions, it will normally be a simple yes or no answer to begin with. If the answer is no, then the insured goes on to another question. If the answer is yes then there is normally space for the insured to give details of what these convictions were.

This is a fairly obvious example of where the information is important for the insurance company to have full and frank details. If the prospective customer or insured gives wrong information, or misleading information, it can affect the judgement of the insurance underwriter. Previous convictions can be a good indicator of someones attitude to driving and any restrictions placed upon them, such as speed limits.

Some people will give false information in the hope that they will not be found at, although this is a dangerous and risky premise. Normally people will give the wrong information either because they don't remember things accurately, or they feel that some information is too old or out of date to be relevant. Again this is risky, because it can invalidate their policy.

One thing that is worth remembering is that insurance companies will normally only check the details given in the proposal form when there is a need for the insured to make a claim on the policy. If no claim is made, the insurance company will normally not bother. If a claim is made, then they will check if all the information on the written proposal form was accurate, and if not, it may well give them an opportunity to deny the claim and deny any liability under the terms of the policy.

Peter Main is a freelance writer who specialises in all types of personal finance, loans, car isnurance and car financing. He has a special focus on the benefits of leasing cars from major manufacturers such as Hyundai, and the benefits of leasing a car as opposed to buying a new one.

Article Source: https://EzineArticles.com/expert/Peter_Main/788973

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Car Insurance - What Rating Factors Are Most Important

Any individual who has had to purchase car insurance may well have discovered huge discrepancies in the various quotations they are asked by different insurance companies. This has historically always been the case to an extent, but even more so given the rise of cost comparison sites online. It is perfectly possible to go to one of the major sites, enter your details and obtain up to 50 or so different quotations. It is not uncommon for these quotations to be anywhere between 200 and 2000 percent different from top to bottom of the scale.

People unfamiliar with the insurance industry wonder how can there be such vast discrepancies.. Whilst this can be relevant, what is more important is to realize that these discrepancies do exist and to take advantage of them in order to secure the best deal around. It is important to stress that the best deal is not necessarily the cheapest, but it is also unlikely to be the most expensive.

It is often assumed that all insurance companies assess risk in pretty much the same way. This is true to an extent, depending upon how much data they have, and what their experience of risk underwriting is. Different insurance companies will have different levels of expertise in certain geographical areas, regarding certain makes of car and certain individual age groups and demographics. This experience will influence their understanding of risk, and may differ widely from other insurance companies will have more on this experience in these areas.

Rating a risk is not simply a mathematical formula, although in theory this is what it is based on. Whilst an insurance company will assess a risk based on their own criteria, and then load it by a small margin to make it profitable, this is only half the story.

There has always been a theory and a practice as to how insurance companies rate risks. The theory is that they will evaluate a risk, essentially into a percentage figure, which is what they charge as a premium. In reality, it is also very much about what they can charge, or get away with, in order to win the business and make money out of it.

This has intensified hugely the transition to lots of car insurance being done online, where it is considerably easier for the insurance companies to link it to other types of insurance, and to various utility billing accounts, credit cards or loan financing. This means that insurance companies can make strategic alliances with other companies in order to obtain business which is to their mutual benefit.

Insurance companies will often undercut each other in a way that a lot of businesses will in order to attract customers, and hope that customer retention over time will allow them both to increase their premiums and keep the business without customers moving elsewhere. Whilst that is a fairly basic principle of how insurance companies work, it is much harder to do it online, it was much simpler by paper. It is very easy a customer to switch insurance companies nowadays, and this has certainly eroded a lot of the loyalty felt to companies previously.

The other important factor is that insurance companies make a lot of their profits from investing premiums, as opposed from pure underwriting profits. With most types of insurance, premiums are paid up front and claims paid much later on. With car insurance, the really big claims tend to be liability claims, which are notoriously difficult to settle, and normally take several years to agree upon.

This isn't necessarily insurers dragging their feet, although this can happen. With liability claims, it often takes a very long time to really assess damage caused to an individual, and how that damage has impacted on their lives, and in what ways.

What this also means is that for that for a period of time the insurer by and large will not have to settle a claim. They might make an interim payment, but that would normally be at their discretion. This means that companies can hang onto the premiums for quite a long period of time, before any claims have to be paid. This allows them to earn significant investment income, which they can then use to offset their level of rating in order to attract the business that they need to.

Peter Main is a freelance writer who specialists in all types of personal finance, loans, car insurance and car financing. He has a special focus on the benefits of leasing cars from major manufacturers such as Honda, and the benefits of leasing a car as opposed to buying a new one.

Article Source: https://EzineArticles.com/expert/Peter_Main/788973

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8 Steps To Buy A Used Car

If you are going to purchase a car for the first time, it can be a difficult task for you. For most people, buying a car is a big purchase. Therefore, you may want to be careful, especially if you are going to consider a used car. Given below are a few steps that you may want to take before making this purchase. Read on to find out more.

Step 1: Set your Budget

First of all, you may want to set your budget. This will help you to create a list of vehicles that fall in your budget range. This step is quite important, which is why you may want to finalize this step after a lot of homework.

Step 2: Do your Research

While you are doing your homework, make sure you don't rely on your emotions. Instead, you may want to you decide on the features you want in the vehicle. Apart from this, you may want to consider other factors, such as maintenance costs, mileage, replacement parts value and availability, and other relevant factors.

Step 3: Create a list of Vehicles

Now, you should search for the available cars online and contact the owners. Afterward, you should consult an expert or friend for a deeper insight into the type of used cars that can meet your needs.

Step 4: Have the Car Inspected

As soon as you have decided on a car, you may want to contact a trusted mechanic to have it inspected. The inspection service will perform a physical inspection of the vehicle to help you get a much better idea of the physical condition of the vehicle. They will check the vehicle for any noise, especially the noise coming from the engine bay. Apart from this, they will try to find out if the car was involved in an accident.

Step 5: Take a Test Drive

If you are satisfied with the steps given above, you should go for a test drive to ensure the car is exactly what you are looking for. A few kilometers of a test drive can help you find out if you should buy this car or continue your research.

Step 6: Payment Method

If you are happy with the car, you should go ahead and make the payment. It is much better that you pay through a bank so that the record of the transaction could be maintained for legal purposes.

Step 7: Ownership Transfer

Once you have parked the vehicle in your garage, know that the process is still incomplete. It will only be considered complete after the vehicle has been transferred under your name through a legal process. You just can't drive a vehicle on an open letter.

Step 8: Change Engine Oil, Air Filter and Tire

Before you take your vehicle on a long drive, make sure you change the engine oil, tires and air filter if needed.

In short, these are 8 steps that can help you purchase a used car to meet your needs.

If you need more information about used cars, you can check out websites source.

Article Source: https://EzineArticles.com/expert/Dong_Wong/2659905

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