Protect yourself From Car Repairs Scams

Protect yourself From Car Repairs Scams

Things have changes significantly since the early days of the automobile. What was once relative simple machinery (seen from today’s point of view), it has developed to become a very complex system that makes a car what it is.

This has some benefits, as into modern cars more and more technology and features are added, but also a series of drawbacks. When it comes to repairing your own car, things have become more complicated. Modern vehicles have many computers that effectively control everything a car does and a lot of electric schemes and that is why repairing your car in your own back yard is not feasible to almost anyone with a car newer than 15 years old .

Because cars nowadays very complex. Everybody recommends going to a large repair shop when something goes wrong. But in the same time some car repair shops are more likely to take advantage of their customers' ignorance.

No one expects you to become a car mechanic overnight, but if you are ignorant about your car and car repairing, mechanics in some car repair shops can take advantage of your ignorance.

In addition, spending months in the court of justice arguing against the shop that has repaired your car is not the way you want to spend your time, I would presume. There are couple ways to protect yourself and your wallet from car repair shop owners that try to take advantage of people when it comes to their cars.

Before you go to the repair shop, do some research about every service center you are considering going to. Check out the shop through ever means available to you, such as word-of-mouth, the Internet (people can post on their blogs or in forums their experience with car repair shops), or other resources (a very valuable resource for finding information about a certain company is the Better Business Bureau).

These resources (including the Better Business Bureau) can be found both online and offline and they are valuable as they offer you a convenient way to check a business's standing and whether there are any unresolved complaints against them. Also, talk to your friends and relatives to find out what car shops they go to and if they are satisfied with the mechanics and the prices.

Second, ask for recommendations. If you do not even know where to start, or you would rather go to a shop with which someone you know has had personal experience, you can ask around for recommendations.

For example, a friend’s recommendation that he has brought his car to the same mechanic for ten years and is satisfied with the work done is a very convincing argument. When you go to a repair shop you have never gone before, be sure to ask many questions.

This is perfectly normal and they will see that you are very interested in their services and your car. You should ask about their prices, their guarantees or warrantees, how much experience their mechanics have, whether they have won any awards, and how they handle customer complaints and other similar questions.

As important, it is to show an interest in your car. Do not leave it alone with the mechanics, stay with them when they look at it to be sure that they look everywhere and in this way, you can avoid them making you to pay for things they never fixed on your car.
Finally, when they tell you what the problem is, request to see the problem. This is in fact your legal right and it is just another method to avoid being abused by the repair shop.
Article Source: http://www.articlesbase.com/cars-articles/protect-yourself-from-car-repairs-scams-365605.html

Jeep Dealership Houston Texas – the Best of Its Kind

One of the main sources of information if you are looking for jeep dealership Houston, Texas is the Internet. If you key into the search engine you would find a number of options available. Some sites accumulate all the data (across all over the United States) and store it into a large database for user convenience.

This process is highly beneficial for both the buyer and the seller. It is not possible for the buyer to know each and every seller in the locality. Internet search makes the whole process of localized searching as easy as a pie with just a mouse click. One can simply put in the area, type the name of the jeep manufacturing company, select the model and input the zip code of Houston, Texas. Within few seconds the result will list all the names of jeep dealers Houston will be reflected on your screen. You will also view the options to find out about 'Used Auto Dealerships' in Houston Texas if you are looking for a second hand car. Search engines access the right database to facilitate the user experience.

Buyers are provided with ample information about the sources that are accessible to them. In addition, they can view the details of the car and its price. The buyer can even check the price list of various dealers and decide on his selected vehicle. Conversely, sellers too get similar facilities. Due to high competitive nature of the jeep dealership Houston, Texas market the prices are kept at a minimal.

Online the buyer can get hassle free discounted quotes on his selected jeeps. And if you are worried about hidden costs you can make full enquiries about the jeep before purchase. Moreover, visiting any site and enquiring does not put you under any obligation to buy.

If you are enquiring about Archer Chrysler Jeep, then you can get an unlimited number of quotes from the Chrysler Dealer Houston. For quick information buyers can also get 'Quick Quotes' and 'Nada Guides'.

Help on finance is also available if you are looking for car loans. Information on Gap Insurance, how to pre-qualify for the car loan, car loan payment rate calculator and privacy statement – all can be obtained through the jeep dealership Houston, Texas websites.

Not only new and used jeeps, spare parts for the old jeep can also be acquired by filling out a simple form. The form has some easy to comprehend data fields. Under the 'vehicle information' – year, miles, make, VIN and model number should be provided. Under 'parts information' - 'part number' and 'part description' are to be supplied. Under the 'additional information' - 'part needed by', 'customer account number', 'payment method' and 'business name' are to be provided.
Article Source: http://www.articlesbase.com/automotive-articles/jeep-dealership-houston-texas-the-best-of-its-kind-356237.html

Two Fuel Consumption Tips

Every time gas prices are raised our problems seem to rise with them, the more expensive gas means less trips or more money out of pocket. The seemingly ever increasing gasoline prices keep people on their tip-toes, since this not only affects how much you and your family travel but it will also modify your budget and the lifestyle, and when that is required, it is never good news.

Needless too say, with the recent rises gasoline prices, the things seem to get grayer and grayer for more and more people, unfortunately.

Yet, if you find yourself in such a situation what is the best thing to do, or what other choices do you have? In this article, I will discuss a few tips for such situations, but it is no secret that the main point of this is the reduction of your overall fuel consumption. By simply lowering the number of gallons you need every month you will find yourself with the same budget range.

The key points to doing these are:

-Unnecessary trips are simply out

Everybody loves going away for the weekend almost every weekend to chill out their tired brains because of those tiring work hours and annoying schedules. Sundays seem to be the main key to peace, quiet and relaxation.

However, in order to find that you need to take your car out for a ride, with your family or alone and start driving towards the nearest forest or canyon. Well, the bad news comes here, because fuel consumption can be seriously reduced by cutting these Sunday trips, or simply by lowering their frequency.

Yet, that does not mean you have to stay at home, you can go around with your bicycle and this way exercise a bit, or go to your friends or pick the bus to the nearest town and visit a whole new place and return in the evening. This will also change your horizons a bit because you will not always be in your own medium, but you will have to interact with others as well.

You can look around for other ways to go on trips as well; maybe your friends are organizing something next weekend. Another good tip based on this subject is to try to reduce the supermarket visits as much as you can. Try to make all your shopping trips in one day.

- How about going with the bus at work today

This means that if you can, and if it is in your way enough and really do not need the car at work, you can take the bus rather than consume your own fuel just to go to the office and back.

You can save that for the weekend if that is more valuable for you. Of course, things do are not the same for those that do not have their office near a bus station. However, there is always the car pool. Ask some of your colleague’s maybe you will find one willing to pick you up in the morning and leave you at home in the afternoon.
Article Source: http://www.articlesbase.com/cars-articles/two-fuel-consumption-tips-350668.html

Contesting a Speeding Ticket

Nothing makes a day go from bad to worse or even from great to bad than getting a speeding ticket. You could be having the best day ever. Get pulled over and get a speeding ticket and your day is ruined. You could be having the worst day of your life. Just when you think it can’t get any worse, you get speeding tickets. Tickets suck. That’s the long and the short of it. Well, what do you do know with that ticket? Were you even speeding? Can you contest the ticket?

Of course, the easiest thing to do is to suck it up and pay the fine. If you follow the directions on the back of the ticket, swallow your pride by writing the check and mailing it in then you are done with it and you never have to think about it again. However, every driver who is issued a ticket has the right to contest that ticket in court if they truly believe it was issued to them wrongly.

The laws are different in every state regarding how speeding tickets are handled. In some states you do have the right to have your ticket reviewed by a judge; this is called "bench trial" and a judge determines your guilt or innocence. In these cases, your decision is dependant upon the judge and what kind of mood he is in. Some judges hate to reduce or dismiss speeding tickets because it is good revenue. In other states, you have the right to a "jury trial" which is when a jury hears the merits behind you receiving the ticket and determines whether or not you have to pay the fine. Few states have developed a traffic division, and you would go directly to that division to contest the speeding ticket.

Most people do not know that you also have the right to inquire about the equipment used in the issuance of your speeding ticket. You can ask when was the last time the radar gun used was reset. Speeding tickets have been dismissed because of the length of time since the guns last reset. It calls into question the accuracy with which the gun determined your own speed.

Regardless of whichever way you choose to contest the ticket, bench trial, jury trial or traffic court, you have the right to appeal your ticket if you believe that you didn’t deserve to receive the ticket or if you believe you should not have to pay it. You would appeal your conviction through the court of appeals. The action you choose to go with is completely up to you.
Article Source: http://www.articlesbase.com/automotive-articles/contesting-a-speeding-ticket-337443.html

How To Get Your Vehicle Ready For A Trip On The Road

If you're going on a trip and driving your vehicle, keep in mind there are some preliminary things that should be done, especially if you're driving several hundreds of miles. This will help you to escape the problems that arise if you don't get your vehicle checked out beforehand.

Take your vehicle to your mechanic to find out what may need to be done. You should start this at least a month to two months prior to your trip. This is when any major repairs should be taken care of. Having this done a month or two before time gives you a chance to correct any additional issues related to the repair(s).

Make sure your tires are inflated properly and that they have enough pressure. Your tires can blow out while you're driving if they don't have enough pressure in them. Checking the tire treads is important. This is another way your tires can experience a blowout.

The way to check this is to put a penny between the tire's grooves. On the penny, the head of Abraham Lincoln should be pointing downward. If the space above Lincoln's head is visible or you can see the words "In God We Trust", new tires are needed. Your spare tire should be inflated and the tools should be available in the event you'll need to use it.

The vehicle's manual should be in the glove compartment. You will need that in the event the vehicle experiences trouble on the road. If you don't have one, check the manufacturer's website to see if they have one in PDF format. With technology as it is, it wouldn't be surprising if they did. At least you wouldn't have to wait weeks to get a replacement.

Any minor maintenance such as oil changes can be done a week prior to your trip. You should also check your tires again for pressure and tread efficiency. If there are any abnormalities that weren't there before, take it to your mechanic for a look.

You should have a clean air filter in your vehicles. If it's not clean, it will affect your vehicle's mileage and suck up gas. This means you will have to stop for gas more often for your vehicle. You will definitely need to change the filter if it's been in the vehicle over 12,000 miles.

Remove any items from your vehicle that you won't need for the trip. This will give more room to the items that you will need or are planning to take. You should have a clean vehicle before you leave. Take an hour or two to clean and vacuum the inside.

Have a map or if you have a newer vehicle, consider getting a GPS (Global Positioning System). This will help you get to your destination without getting lost. It would be advantageous for you to fill up the tank before you leave. When you get on the road, nine times out of ten, you will pay more for gas outside of your area.

Make sure that you have packed everything you need for your trip. More importantly, make sure you have your toiletries and prescribed medicines. Check through your suitcases and garment bags. It's not good to overload your vehicle with a lot of stuff.

Doing all these things will help you have an enjoyable trip.

Car Parts: Backbone of Any Car

One of the vehicles that are hugely liked world over is cars. Perfect utility machines, they contribute handsomely and eradicate quite a few troubles from one's life. Indeed, there cannot be two thoughts about the fact that cars indeed are a multi-utility phenomenon. Not only does it eradicates one's commuting troubles but also adds handsomely to one's status symbol as well. It is extremely surprising and ironical, therefore, that people don't give as much attention to car parts or car accessory that they should be giving. No wonder then that most of the people start complaining about the bad performance of their cars almost as soon as they purchase them.

A few examples would explain the whole point pretty easily. Take the case of car mats. In spite of the fact that they provide extremely important service to the cars yet they are not taken that seriously by people. Imagine a part of the car that saves it from dust and rain and provides cushion to feet thereby making the journey comfortable is not given its rightful due. Nothing can be as baffling!

Similar is the case with spare parts. Such integral car parts but again not given as much attention as is their right. There are times on several occasions when you cannot get the proper silencer or combustion pipes etc. and have to wait for days for them to arrive to get the short coming fixed. Had a careful attention been given to these essential components then situation would not have deteriorated that much.

These points should communicate the point pretty nicely that a careful observation to car accessories or car parts while purchasing cars would go a long way in helping people combat such critical times. All that you need to do is to pay slight attention to these essential components to give that edge to your car.
Article Source: http://www.articlesbase.com/cars-articles/car-parts-backbone-of-any-car-326130.html

Top Advantages to Buying Car Insurance Online

It is very important to research all of the many car insurance companies available to make sure that you get the best rates and best coverage. Car insurance is critical to keeping you and your family protected against injuries and accidents. In fact, now you can buy car insurance online.

There are many independent websites that can assist you in choosing the right coverage at an affordable rate. By using one of these companies, you know that you will get unbiased results because they do not partner with specific companies.
There are quite of few great websites on the web that give the user a friendly visit. They offer features such as compared rates to other insurance companies that can help you make your decision based on the lowest rates. They also will allow you the feature to purchasing them online
Others, you can submit a claim online, and they have a program that can help you quickly repair the damaged vehicle. With this program, you will be driving your car again in no time. By choosing one of their mechanic shops, they can speed up the repair time.
There are so many different companies that you can use to buy car insurance online. By receiving free quotes from several of these companies, you can do some easy comparison shopping to choose the company that is right for you. Comparison shopping is critical to finding a good reliable company.

The most important thing for a driver is to be insured. By insuring yourself, you protect you, your financial health, and those family and friends that are riding with you.
Article Source: http://www.articlesbase.com/cars-articles/top-advantages-to-buying-car-insurance-online-321650.html

How Does Car Insurance Work

Many of us know we have to have car insurance in order to get our license and tags. However there are some that don't really understand the actual policy or how it works to protect us. There are also different requirements for having a loan or lease on a vehicle rather than just owning it out right. Insurance companies ask a lot about our daily lives such as how we use the car, where we park it, and other aspects of driving to ascertain the risk we might pose to the vehicle they are covering.

Car insurance works in that we choose a level of coverage whether it is just liability or includes comprehensive and collision. There is also a choice in the amount of actual coverage regarding motorist, uninsured motorist, and medical. The amounts and type of coverage you choose is what will determine the premium you will pay on a month to month, six month, or yearly basis depending on the terms of your policy.

The amounts you have chosen and the type of coverage will tell the car insurance company how much they will have to pay out in the event of an accident caused by you or another driver. In other words they cover the damage that affects the car. For certain damage like windshields you will have a deductible that you have to meet in order to process a claim. If you have damage to your car from a break in, a rock thrown at the windshield, or an accident that you have been in you have to report the issue to the company in order to get a payout. The car company is going to ask for full details regarding the claim, the information from the accident claim, such as any ticket given to you and of course any damage to the other car if you caused the accident. They will ask that the car be taken to one of their mechanics that they have in their company logs. The mechanic is then going to report the amount of damage and how much it will cost to fix it. The car insurance will then take the quote and all information. In some cases they may consider the car totaled and will not offer any settlement towards fixing the car.
Article Source: http://www.articlesbase.com/finance-articles/how-does-car-insurance-work-315908.html

First Car Buying Tips

I don't know about you, but when I bought my first car I didn't have a lot of information to go on for the process. I admit I had two cars previously to the first car I bought, but those deals were made by my father. He was the man with the money and he was paying for the cars outright. So when I decided to trade in my car for a different model and a newer vehicle I needed a little help from those who had bought cars before. I didn't want to make a mistake and get an unfair deal from a dealership or private owner. The great thing was I had my parents to help me find the information I needed to purchase that car. I even had my mom come help me make the deal. It took us a little over five hours and closing the joint, but I walked away with one of the best deals on a 2000 vehicle that I could have for my financial state as well as my credit history.

Car Buying Tips

What you need to know about buying your first car is quite simple. First you need to know all about the car you are interested in buying. You need to know what that car would cost new, what the used retail price is for a dealership as well as a private sale, and what condition the car is in. You also need to know if it has any bells and whistles added on to it as that will affect the price. Kelly Blue Book and other consumer reports will allow you to find out all of the information you need for a general search. Armed with this information you can negotiate a fair price. If you have a trade in you should also know the value on that for trading it in to a dealer as opposed to selling it privately.

You also need to know about your credit history. You need to know where your credit scores stand. You also want to know where you will stand regarding the dealership score. The look at your FICO score as well as a risk score that they calculate. They are basically looking to see if you can afford the car you are interested in buying. If you don't have a credit history that is very lengthy you can expect any car loan to be offered a little higher than seems fair. They are just trying to establish your risk and since you don't have much of a history they consider you more of a risk.

Once you know both the car facts and the financial situation you are in you are ready to deal. You let the dealerships know that you have done your homework. Also let them know you are willing to walk away if the deal isn't to your specifications, not there. There are several tactics they can use like saying, "We have to make some profit," or "I work on commissions." You have to be in control not the other way around.
Article Source: http://www.articlesbase.com/automotive-articles/first-car-buying-tips-314790.html

The Wacky World of Car Insurance

Car insurance is a legal requirement in the UK, and indeed most of the world, and yet there are some drivers who don't believe it's necessary. Now the law allowing police to seize any uninsured car has come into force, the number of uninsured drivers on British roads has fallen.

Traditionally, cars are insured against fire, theft, vandalism, and other damage from a third party. It's not so well known, however, that cars are also insured against Third Potato and Act of Cow…

No, you didn't read that wrong! In recent years, car insurance claims have actually been filed for more unorthodox reasons such as potatoes making a bid for freedom and getting lodged behind brake pedals, and cows deciding that a car looked like a tasty snack and having a lick, damaging the paintwork in the process.

And these are just the more believable motor insurance claims. Pity the driver who had a claim made against them because their car door opened by itself when they drove round a bend, launching a frozen kebab at a passing car and causing untold damage. Or the driver who suddenly found himself with a frozen squirrel as a passenger – the chilly rodent had fallen out of a tree and crashed through the unfortunate person's windscreen.

So when you're shopping around for that cheap car insurance policy, don't forget to ask if you're covered for Potatoes, Kebabs and Bovine Damage too…

Online Car Insurance Quotes

If you are looking for car insurance, one of the fastest and best ways to get a great deal on insurance today is to get online and look for online car insurance quotes. There are so many car insurance companies out there, but long gone are the days that you have to go visit an insurance broker or call around trying to find a great rate. Instead, you can just get on your computer, and with a few clicks of the mouse you'll have what you need right on your screen. So, the following are a few of the best benefits that you can enjoy when you go online for your car insurance.

You Can Shop for

Car Insurance

at Home

One of the main benefits of checking out online car insurance quotes is that it gives you the ability to shop for car insurance at home. You'll save money on gas, which is a big consideration these days, and you won't spend your time driving from place to place looking for a decent quote. All you'll have to do is boot up your computer, get online, and start searching for the quotes you need.

The Quotes are Free and Instant

Another great benefit of going online for your car insurance needs is that the online car insurance quotes you'll get are free and instant. You won't have to pay a thing to get quotes, even from several different companies. As soon as you fill out their forms you'll get instant quotes, so you won't have to wait around wondering what they'll want to charge you. However, it is important that you always fill out these forms accurately or there may be a discrepancy with the quote you are given.

Quick Forms to Fill Out

The forms that you have to fill out online to go your online car insurance quotes are usually quick and easy to fill out. You won't have to worry about mountains of paperwork to complete; in fact, usually you can have the forms completed and submitted within about five minutes or so. So, going online for your car insurance quotes definitely makes it both quick and easy to get the car insurance quotes that you want and need.

Easy to Compare Rates

It is extremely easy to compare rates when you get online car insurance quotes as well. If you want to get the best deal on your car insurance, comparing rates is the best way to do so, and if you don't look online, it can take a lot of time to get and compare different rates for your car insurance. There are actually sites that will offer you multiple online car insurance quotes and show you which ones are the best deals for you, which is a huge help. So, if you want to compare the car insurance quotes to find the best deal, going online is definitely going to be the quickest and easiest way to do this.

You'll Save Money

Yet another benefit of going with online car insurance quotes is that you'll send money. Not only will you be easily able to compare rates to get a great deal, but many car insurance companies actually offer better rates to customers who get their insurance online. So, you'll be able to save money on car insurance, just by going online to get your quote.

As you can see, there are many great benefits to getting online car insurance quotes. They are easy to get, quick, and they'll help you save some money as well. So, if you are looking for a great deal on your car insurance, consider going online to get a quote today.
Article Source: http://www.articlesbase.com/finance-articles/online-car-insurance-quotesget-the-benefits-of-them-299335.html

Car Insurance

Having lived in America and South Africa I have found it difficult moving back to a country where the individual is insured as opposed to the vehicle. It used to be the case that if I wanted to borrow someone's car that they'd sling me their keys and off I'd go safe in the knowledge that if the worst were to happen I'd be covered.

Forgetting the laws in England I recently suggested to a friend that I drove their car home for them from the pub. The idea was laughed at and not because of my questionable driving. The reason is the penalties for being caught are so severe. The same applies for lending a vehicle over a couple of days. It is often difficult to find insurers that are willing to cover you for a short amount of time. So borrowing a car for a single journey can end up being extremely expensive.

Fortunately there are an increasing number of insurance providers that see the importance of offering insurance over a short period. The period of cover can range between a single day to a whole month. This makes it popular with people such as students that return home in the summer and want to use their parents' car. It is also an extremely popular option for the ex-pat community that return to the UK for a break. With many providers offering deals specified for people that live abroad it can mean using a car is significantly cheaper than hiring.

Arranging temp cover for a vehicle is a simple process that can be completed online. It is the perfect option for when you want to test drive or purchase a new vehicle and want to drive it fully insured. Because many providers let you apply online you can often print out the insurance certificate and carry it with you. This will give you incredible peace of mind if you are off to test drive a vehicle that is being sold privately or driving a friend's vehicle for a single journey.

It is a perfect option for insuring a relative to drive your car if you are ill and can't drive. It is also a great option for when your car has broken down and you need to borrow your partner's car. It can be a very cost effective way of borrowing a car from a friend. The rental period for temp cover is short so can be a very small one off payment.

Car Loans

Are you looking around for a loan that enables in buying a car? The loan market place is full of such lenders. All you have to ensure that you first make a good search for a suitable loan deal. It is advisable that you opt for Car Loans as these are carved out especially for the purpose. This means that the lender may relax terms and conditions, keeping your circumstances in mind.

Before applying for the loan, you should first know that interest rate and other conditions will depend a lot on your credit history. Take a copy of your credit report from the entire three credit rating agency and make sure that the report is without any errors and all your payment facts are correctly mentioned in it. Know your credit score also.

You must keep this fact in mind that you will get these loans at lower rate of interest if your credit history is unblemished and you have a good credit score. Lenders will charge interest at higher rate in case you have a blemished record of making payments in the past.

However, a low rate can also be ensured on taking these loans against your home or any property of good value. Or, the car you are going to buy can also be used as collateral. Lenders keep the car deal papers as collateral and let you drive it till you finally repay the loan. The secured loan is best suited also for bad credit history people.

Car loans come in unsecured options as well, without collateral. But only smaller amount is usually approved. For covering risks, lenders charge interest at higher rate. Both secured and unsecured loans are of shorter duration of up to 5-7 years.

Lenders want the borrowers to make down payment, which is lenders’ way of making the loan safer. So, if you make a sizable down payment, the loan approval comes without hurdles from the lenders. One can say that bad credit history people can ensure the loan on making good amount of down payment.

Prefer online lenders as they offer car loans at competitive rates. Their additional fees are also fewer as compared to banks or financial institutions. Ensure repaying the loan in time for escaping any debts.

Article Source: http://www.articlesbase.com/loans-articles/car-loans-own-a-dream-car-through-less-costly-funds-293564.html

The break down of insurance

Vehicles have long been a staple in the lives of most men and women today. Thanks to advancements in technology, many vehicles have become part playground, office, and even bedroom. There is not much that you cannot do from the driver's seat anymore.

The family car is more than a tool for just work and play; it is entrusted with the lives of you and your family on a daily basis. It can also be a status symbol for all of your past and present accomplishments in life. Cars really are more iatrical than some people would think. It only makes sense that you would have an auto insurance policy to protect this very important investment.

FYI About Auto Insurance

What exactly is auto insurance? It is more than just an added expense and piece of paper stuffed in your glove box. You even begin to wonder how needed it even is. Think of your auto insurance policy as a shield and a back-up generator all in one; it can keep you safe from the possible and unforeseen accident and/or mishap.

Auto insurance may not be able to prevent that other driver from careening in you or the lamp post from jumping into the middle of the road during a rain storm, but that little piece of paper can shelter you and your family from unnecessary harassment and further turmoil during a time when you may not be at your fighting best.

You have made the decision to obtain auto insurance for your vehicle. Do you know what is included in your policy? It is good to know what basic points of coverage your

insurance

company should be offering you:

1) Bodily injury liability covers any injuries you (and anyone listed on your policy) cause to someone else.

2) Personal injury protection takes care of medical expenses incurred if you or your family is inured in an accident. This can also pay lost wages, and even funeral expenses.

3) Property damage liability covers any damages you may cause in an accident.

4) Collision pays for any damage to your vehicle in an accident.

5) Comprehensive coverage is optional in many states; this pays for any damage that is not caused by another vehicle. Earthquakes, flooding, theft, riots, run-ins with animals, and falling objects are usually included.

6) Uninsured motorist coverage keeps you safe in the even the other driver is not insured, or you are involved in a hit-and-run accident.

Car Insurance - do you really understand ?

Insuring your vehicle is probably one of the least enjoyable aspects of being a car owner. But as it’s a legal requirement it’s unfortunately not something that can be avoided.

With thousands of insurance companies to choose from, each using unfamiliar terminology, finding car insurance can be quite a daunting task for a new driver.

Without guidance, searching for car insurance quotes and finding the right policy can be a challenge. Here are some tips to help simplify the process of understanding car insurances.

Different Types of Policies
When you apply for car insurance you will be faced with the following policy options:

Third Party
This is the minimum amount of cover that insurance companies can offer you. It only covers damage costs if you injure someone else or their property in a motoring accident. Any damages or injuries sustained to yourself or your vehicle will be down to you to pay for.

Third Party Fire and Theft
This is the minimum amount of cover that some companies will offer. You will be protected if you injure or damage someone else’s property. It also covers your own vehicle if it is stolen or burnt. What it won’t cover you for is the cost of your vehicle if it’s involved in an accident or is vandalized. This type of insurance is most appropriate when you have a vehicle that is of low value.

Comprehensive
This is the most expensive form of insurance but it covers you for almost every eventuality. What it covers can vary depending on insurer but most fully comprehensive insurance will cover you for accidental damage to your own vehicle, injury to someone else, damage to their vehicle and damage to your vehicle from fire and theft. Some policies will cover you for items that are stolen from your vehicle and also medical expenses if you are injured.

Excess
When applying for your for car insurance you will be asked to agree on an excess fee. This means that if you are involved in an accident that is your fault, then you will be required to pay the first £100 - £500 of the claim. . If you are trying to reduce your policy then you can pay a higher excess, but in the event of an accident that is your fault, you will be required to pay this amount when you make the claim. It is important to note that with some insurers you may be required to pay a young drivers excess if you are under 25 years of age.

No claims Bonus
This is the number of years that you have had car insurance without making a claim. The more years you have the better, as this proves to the insurance company that you are of low risk, which will lead to a reduction in the amount you have to pay. If you do happen to make a claim, which is proven to be your fault, then you can lose you no claims bonus. If you have a number of years built up then your insurance company can offer you protection on those years, so you don’t lose them in event of an accident that is your fault.

Car insurance

, the best protection for a car

Car insurance UK is a service which is mighty popular in UK. The reason for it is very simple. In case of damage of a car this often is the only help that people can expect to have. Especially in todays times when craze for cars has peaked this is one mighty important service. No one can argue that one of the dreams that every individual possesses is to own a car. A dream machine that would not only make his journey comfortable but which would also be a tremendous add on to one's status symbol. There is something tremendously attractive about cars that no one has been able to stay clear of its attraction. No wonder it has been on top of everyone's wish list in all times and ages.

The only difference being that people in earlier times were not able to buy this because it was fairly expensive for middle class where as in present times, thanks to the mushrooming of several financial institutions, anyone can purchase these gorgeous machines. However, if the car undergoes any damage then one can be rest assured that one might be forced to shell out a fortune for everything in today's world comes with a fairly high price tag. This can be quite a handful for a man with average income who would now be forced to pay on two different fronts - one on repayment of loans and other on the repair of the car. It is here that car insurance UK comes to the rescue of people and ensures that they are spared from shelling out an exorbitant amount by arranging for the repair of the car.
CAR INSURANCE
Needless to say what a relief such a service like car insurance UK can be for people. However, one must understand that car insurance can only be helpful when people actually take care of a few things. Firstly they must ensure that their vehicle is priced fairly, then they also should see that the policy comes to life as soon as it is signed. Also needed to be taken care of is the fact that no wrong information is given to the insurance company as also that a thorough check is done to ensure that all the information put in the agreement is correct and to one's satisfaction.

These efforts would ensure that car insurance UK goes a long way in helping people out in such a desperate time when their car has faced a major damage and need a thorough over hauling.

FORD ! car, auto parts !

Dearborn automaker Ford is in the middle of its turnaround plan after it has seen its share in the United States auto market slide. Part of its turnaround plan is to develop green vehicles which consumers are asking for. Another step taken by Ford to attract more consumers is teaming up with Nuance Communications, one of the leaders in speech and imaging solutions. This partnership is geared towards making Ford vehicles safer and more user-friendly.

With Nuance's technology, consumers will be less at risk of being distracted when using Ford car's phone, as well as navigation and entertainment systems. With drivers always tinkering with different in-car systems, there is a bigger chance of being distracted and getting into an accident. With Nuance, this can be cut down to a minimum as the company provides text to speech technologies, and speech recognition.
According to the automaker, these technologies developed by Nuance will be available to European car buyers from December this year. The Ford C-MAX and the Ford Focus will become the first Ford vehicles to receive this cutting edge feature. The Ford Mondeo, Ford Galaxy, and the Ford S-Max will also be equipped with said feature.


Joachim Creutzburg, the Marketing Director Original Equipment from Blaupunkt, a subsidiary of Bosch which helped Ford develop the Human Machine Interface said: "We recognize the importance of speech technology to make telematics, navigation and infotainment solutions safer and easier to control. Not only do we offer our automotive customers the most advanced speech enabled solutions, our portable navigation solutions in the aftermarket also allow destination entry and control by voice."

With the technology developed by Blaupunkt and powered by Nuance, consumers can simply say the address of their destination and the navigation system will readily read out all information needed by the driver. Other navigational system requires drivers to type in the address of their destination which can distract the driver while driving. Another new feature for Ford vehicles is the one push phone call. By pushing the "push to talk" button on the steering wheel and saying the number or the name of the phonebook entry, the system will dial the number.

Steve Chambers, the president for Mobile and Consumer Services Division at Nuance, said: "Nuance has a long history of working with Ford. Now with the advanced speech technology in the Blaupunkt navigation solution, we are able to offer drivers a safer alternative to the drivers' distraction created by the use of navigation systems in cars. With the voice user interface, powered by Nuance Automotive, drivers no longer need to take their eyes off the road or their hands from the wheel to dial their phone, enter an address to the navigation system or control their audio system."

This feature in the future will not only be available for Ford vehicles as other automakers are sure to follow suit. Luxury vehicles like Acuras with Acura body parts can be expected to have this feature soon.

Car Insurance

For Women Can Work Out Cheaper

Car insurance for women can work out a lot cheaper and this can be especially so if you go with a specialist broker and allow them to make comparisons with some of the top UK insurance providers. By doing so it means that you will get a through search made on your behalf and be assured of getting the best deal possible.

While many insurance providers have now turned to offering cheaper insurance for lady drivers because they were claimed to have been better drivers than men, this was still hotly contested. However in October 2001 women drivers did indeed win the right to be called better motorists after the Advertising Standards Agency were called in after complaints regarding the advertising of women's car insurance on TV. The ASA regulate advertising and investigated claims of women actually being the better driver. Following the investigation it was proved that women were overall better drivers than their male counterparts and the regulating body ruled that the claims were accurate and fair.

From here women's specialist car insurance firms sprang up even more and went from strength to strength, although it has to be said that the reason women were deemed as being better drivers was based on the fact that women make far fewer claims, drive smaller more sedate cars and are seen as more careful drivers. Men on the other hand were proven in a study to take more risks than women drivers, drive faster and break the law more often.

It is essential when looking for cheap car insurance for women that you do get the cover you need, when it comes to taking out insurance there are three main types, fully comprehensive which is the dearest type of cover, third party fire and theft and third party only which is the cheapest type of cover. If you need information on which type of car insurance would be most suitable for your needs then again the specialist broker's website will have all the information needed for you to be able to make the right choice. A good specialist broker's website will offer articles, tips and advice on all aspects of car insurance including safety tips for women drivers along with additional insurance that could be beneficial to women drivers.

However whether women drivers do make the better drivers is still going to be considered for some time and the argument will continue, the fact is that women drivers can get the better deals when it comes to taking out car insurance for women.

Along with getting cheaper premiums for the cover there are many extras which can be used as an enticement to take out the cover, handbag and breakdown cover are two of the most common used. If you want the cheapest deals and premiums on lady drivers then do not look around for yourself but take the advice and experience that a specialist broker can offer and allow them to shop around on your behalf and deliver quotes to you.

BMW Cars Series

German automaker BMW has recently announced the details and features of the new 2008 6 Series Coupe and Convertible models. For 2008, the company gave the 6 Series a wide array of new features and equipments. Only one model variant will be offered in the U.S. market - the BMW 650i.
The BMW 650i Coupe and Convertible offers luxurious and elegant driving experience with a host of new features inside and out. Outside, the BMW 650i is equipped with reconfigured optical headlight lenses, new front air dam with larger opening, amber DOT reflectors, LED design taillights, reshaped trunklid, and taller spoiler.


New features for 2008 are extended on the interior, which include brushed aluminum radio knobs, brushed aluminum iDrive controller, leather-wrapped center console, seats with Sun Reflective Technology, standard and optional seats with Active Head Restraints, LED brake and turnsignal lights, and wider trunklid-mounted third brake light. Other new features include Active Cruise Control Stop & Go, Lane Departure Warning system, and USB adaptor for iPods and other MP3 players.


Under the hood of this luxury-inspired model comes a 4।8-liter Valvetronic V-8 engine that offers up rated horsepower and torque output. The engine now pumps put 360 hp and pulls out higher torque peak output of 360 lb-ft. rotating at 3,400 rpm. This power unit will be combined with a 6-speed manual or Sport Automatic gearbox. BMW comented on the new Sport Automatic, "this new transmission boasts quicker shift response in "Sport" mode, as well as standard shifter paddles on the steering wheel."
Furthermore, the BMW 6 Series Coupe and Convertible models are equipped with front suspension system with double-pivot front system. This features stronger self-centering feel in steering, lower ride height, and firmer springs and shock absorbers. Meanwhile, the rear suspension comes with multi-link layout called Integral Link that controls rear-wheel angles very precisely. Other technical features found on the 2008 BMW 6 Series include Active Roll Stabilization, rack-and-pinion steering with Servotronic power assist, and innovative brakes.
Aside from the new exterior features mentioned above, other exterior features include luminescent rings around the high beams, redesigned turn indicators, standard foglights with restyled lenses, front flanks, recurved spoiler, reconfigured rear lamps, reshaped lower tail lamps, rear diffuser, and dual exhaust. The 6 Series models are also equipped with new side sills and all aluminum front-end structure. A choice of either 18 or 19-inch wheels and run-flat tires standard completes the exterior package.
Inside, the 2008 BMW 6 Series offers a comfortable, sporty, convenient, and luxurious interior environment. Interior highlights include redesigned instrument cluster, LED ground lighting, illuminated doorsill logos, illumination of interior door handles, 1-touch open/close door windows, retractable rear window, GPS Navigation with DVD database and Real Time Traffic Information, Voice Command System, and standard AM/FM/CD system with eight speakers. A 12-way power adjustable seats including 4-way power lumbar support is also included, plus a wide range of active and passive safety equipments. The BMW 6 Series really stands out compared to the 5 Series models like the BMW 528i with quality BMW 528i parts।

A Crash, a Wreck and Car Bike Racks

A few days ago I was driving with my little brother Jan to a town called Hallodays. We had no clue where we were exactly, but at least we knew the name of the town. It was somewhere in Colorado, a state that usually implies snow, great mountains or parties after skiing the whole day. But his place was different. It had nothing in common with these attributes that sound like fun. This place was pretty much the opposite of a “fun place”. Hallodays was a town in the middle of nowhere: No snow, no greens and primarily no people.

Now you are probably wondering what I did there? The answer is the one that is common for trips like this: bike racks! Ok, not everyone is such a huge fan of bikes and all these kinds of bike accessories, but I recommend sharing this interest with me. No other passion lets you see places like Hallodays, where probably no tourist has ever been. Two hundred people are living over there and surely everyone knows each other. But as you can imagine, the weird town was not the actual reason why I traveled there with my brother. It was the area around. There is likely no other place in the world, where you can drive as fast as you want and check out the performance of your auto’s engine. But as I mentioned, driving my car just to check the engine’s performance did not bring me there.

My intention was to find out if the bike racks installed on my truck are able to hold the bikes my brother and I stored there. I am kind of extreme, so I had to make sure that my new bike rack is good enough for my beloved bikes. Of course, the advertisements promised all possible features of the racks, but who can trust the commercial in days like these where everyone wants to sell his stuff, no matter what lies it costs?

So I ended up there and started proving the truth of the commercials by driving 100 miles an hour. Fortunately the commercials did not lie and the bike racks worked so great that I could leave the middle of nowhere after an hour. Till now the story does not seem special, but this will change very soon. During my attempt to escape from this place, my right tire popped and I crashed against likely the only tree standing there. I did not remember everything due to this accident, but I know exactly how I felt after looking in the eyes of my brother. He was crying and his head was bleeding, but it was a huge relief when I saw that he moved his legs and arms. In comparison to him, my condition was pretty good. My head was hurting and my legs were bleeding, but this was it pretty much. So I considered helping my brother as soon as possible. I called the 911 and after about an hour they reached Hallodays. The emergency guys took him in the ambulance and I drove with them to the next hospital one hundred miles away. Remember, we were in the middle of nowhere, so I got more scared just because of the time we needed to get to our destination. After one and a half ours we arrived at the hospital and all the things that happened afterwards I just know from my brother. To make it short: After spending two days in the hospital he was able to leave. He just had a concussion and a couple of cuts.

What do you think we did after my brother got back home? Exactly, we returned to Hallodays to see, what happened with our car. And just as I thought, it was totally busted. There was just one thing that survived this horrible crash: the bike rack! So I learned my lesson from this experience. Trust the commercial and avoid the hell, at least as long as you can, bad boys.