Monthly Archives: April 2016

Find Affordable Car Insurance Online

Driving a car without insurance is illegal, and can turn out to be expensive for the owner. There are several types of insurance that include third party cover, vehicle damage only, theft, and comprehensive cover. Therefore, getting the right kind of cover is of utmost importance.

Factors

As per the terms and conditions, you have to pay a premium either monthly or annually. There are certain factors that come into play when premiums are calculated:
You can get a more affordable package when you buy insurance in bulk for all your cars, or if you have only one car, then try getting a home or life cover from the same insurer. They may offer you a discount.
Where you live is an important factor. If you reside in a high-risk zone, or one where it is more likely that your car may be vandalized or stolen, then the premiums are likely to be high. On the other hand, those staying in a quiet and posh area don’t need to pay too much.
Another great way to reduce your premium is by paying the excess on a particular claim. Also, the type and cost of your claim will affect your premium for the following year.
Other factors include the place where your car is parked overnight, the security devices in the car, driving skills, and your age.
Benefits

Earlier, we would flip through the yellow pages or go to a broker to get a decent deal. But with the technological advancements, brokers have become almost obsolete. People prefer using the Internet to get a good bargain, and when you can do almost anything online these days, why not use it for this too?
Most people are under the misconception that all insurers have the same premiums and rates. But you couldn’t be more wrong. Each and every company has its own calculation based on its risk assessment. By doing some research, you can get yourself the best deal and save some hard-earned dollars. The Internet sites also allow you to compare policies and their premiums so that you have a complete view of the competition.
Imagine the hassle of going to multiple brokers to get the best possible deal. In today’s fast-paced world, this is just not possible. This is where buying on the web makes more sense, and saves you precious time that you could spend with your kids instead.
Buying online is as easy as it gets. All you need to do, is to visit a related website and fill in all the relevant information. Within minutes, you will have multiple policy information and quotes on your screen. Thereafter, you can choose the best deal as per your needs.
The process of buying an insurance can intimidate most people; however, it is not all that difficult as we have seen above.

How to Find the Right Automotive

Whether it is car lifts, motorcycle lifts or truck lifts, they all provide support and have a niche space for themselves in the garage or backyard of the home. However, you must ensure that they match with the vehicles you are going to buy them for. It is also important that you consider the space factor and the repairs that you will be carrying out. If you do not do so, your work load will be heavy and work will be hampered. It would even become a hazardous job to carry out such stuff.

Talking about the price issue, one should always look out or avoid poor quality or cheap price. On a related note, one should not even go for high priced or over-priced models of lifts until and unless you are satisfied with it. There are thousands of companies which offer lifts and other automotive equipment. But not all can be trusted. The problem arises as these companies assuring long lasting life of the product have been in business for a few years only. This gives us the picture whether the product will sustain for long or not.

If we talk about the automotive lifts, while choosing one, you should always look for a model with anISO-9001 mark on it. It should be compliant with such standard otherwise there is no use of buying the lift. You must know that many buyers buy the lifts from other countries, put their tag and sell it. This makes the product sub-standard and put their far behind in terms of quality. You should not make no such mistakes when it comes to buying the lifts.

Now here comes the discussion on 2 post lifts, where you should always look for warranty. If you, by mistake, buy the low quality post lifts, the warranty would be maximum of a year and would cover only a few parts. You wouldn’t want that to happen. That’s why you should invest your money only after considering durability, price, costing and quality for that matter.

The automotive liftsproducedby a brand would have lesser chances of breaking and their guarantee would also be longer. Besides, after sales service will also be prompt enough to make you buy from them again. You should also consider which type of lift would work best and then only make your decision.

Now that you are well versed with some basic factors to be considered while buying or taking a decision to buy the lifts. Also, make sure you have the right kind of lift (two posts or four-posts) as per the requirement.

Find Cheap Car Insurance

Do you know how insurance companies label high risk drivers? The procedure starts when the insurance provider sits down with the applicant and starts asking question related to his/her driving records. These questions help the insurance provider to decide whether or not the individual is a high risk driver. Does the driver have too many traffic violations? Was he/she involved in accidents? Was he/she involved in a verbal or physical fight with the cops on the highway or near his/her car? These and many more questions are asked by the insurance provider before giving you a final nod on car insurance. An individual who speeds frequently is also termed as a risky driver.

Car insurance for such high risk drivers doesn’t come cheap. However, if you do a little research before paying the extra cash, there’s a possibility that you may get a good deal on the insurance quote even though you’re a high risk driver.

Affordable Car Insurance for High Risk or Bad Drivers

Cheap car insurance for high risk drivers is something that many people are looking for. The reason that people need such type of insurance is because they have been involved in some kind of road trouble. This is enough for any insurance company to label him/her as a bad or high risk driver, and this directly increases the rate of the insurance. However, there are many ways by which the price can be lowered.

Drive Well
The best way to reduce the high price rate is to ensure that the risk is reduced. Take a look back at what went wrong; may be you didn’t have car insurance when you got into trouble, may be you were caught by the cops under the influence of alcohol or drugs or you broke traffic laws.

Consider Getting the Minimum Auto Insurance Coverage
If you really want to save money on car insurance, consider getting the minimum insurance coverage in your location. You can go for the 3rd party car insurance for liability purposes; this means that if you get involved in an accident and are responsible for its cause, your insurance will be able to reimburse the other party for the damages it has caused.

Comparison of Insurance Quotes
If you want the best deal on a less price, you really have to make sure to check out all the car insurance companies in the market and see which one offers the best deal. The best way to do that is to go online and see the various quotes provided for risky drivers. Just go on the website and fill in all the required details which helps you calculate the risk. If you are at a higher risk, then the quote could be higher but this also depends upon the company.

Inquire About Discounts
Most car insurance companies provide discounts so that they can allow their customers to get maximum savings on their policy. However, many people don’t bother about these discounts and end up paying more money. So it is necessary that you always ask about available discount schemes and get eligible to additional savings. Taking up discount offers can make expensive insurance policies affordable.

It should be noted that not all bad car drivers can get car insurance at a cheaper rate. If you have a history of irresponsible driving then be sure that the insurer will make you pay more for the policy. Getting inexpensive car insurance is all up to you in the end. Be a responsible citizen of the country and obey the driving laws so that you can get a good car insurance policy at a cheap rate.

Tips on Choosing the Right Car Mechanics

We hear it all the time: “Where can I find a good car mechanic?” In the past, word of mouth was probably the best way to find an auto repair shop that would do the job right and charge a fair price. But now, a good mechanic might be only a few mouse clicks or touchscreen taps away.

Crowdsourced review sites have greatly simplified the search. Here are a few tips on how to work these sites to find a good car mechanic in your area. Keep in mind that this isn’t an exact science. Sometimes a highly rated shop might disappoint, but at least you can tilt the odds in your favor.

Angie’s List
Angie’s List prides itself on having a thorough vetting process for its reviews, which cover everything from automotive listings to home repair and even wedding planning. In a search we did for our area, Angie’s List provided a number of repair shops nearby, but we found the volume of reviews lacking when compared to Yelp. For example, one repair shop we used for the Lexus had just one review on Angie’s List, and it was from 2008. The same shop had 22 reviews on Yelp, with the most recent one being less than a month old.

The small number of reviews on Angie’s List can be both a good and a bad thing. On one hand, the chance of a falsified review drops considerably, since the site requires a paid membership to access the site and post a review. But at the same time, it is hard to get a feel for a shop that has very little feedback.

Google
Google’s enormous database will yield the greatest number of search results, but they may require some extra filtering to be useful. Type “auto repair near (your ZIP code)” into the search field. Ignore the sponsored ads at the top of the page. The repair shops will appear about halfway down the page, with their address to the right of their listing. Google has its own review and scoring system. Approach these as you would Yelp reviews.

Edmunds Dealership Directory
We have dealer locator for those in search of a dealership service facility. The Edmunds moderators closely monitor the reviews for misleading postings.

Other Sources
Yellowpages.com and Citysearch.com are two other sources. The reviews on these sites are spotty in terms of quantity, and we haven’t had the chance to use them that much. Still, the sites can be useful for those who want to research a shop thoroughly.

Message Boards
Enthusiast message boards dedicated to a particular car make and model often have forum threads where members discuss their local dealerships or independent repair shops. Forum members chime in and give their experiences or recommendations. Apply the same filtering that you use with Yelp reviews: Look for patterns of excellence or disappointment.

A Final Tip
Despite how far crowdsourced reviews have come, an old-fashioned word-of-mouth recommendation from someone you trust can often be the most effective tool. Ask your friends and family who takes care of their cars and you may just find your new mechanic.