Auto Insurance

Here are a few tips that will help you reduce the car insurance premiums:

1. It is cheaper to get car insurance on the net. The companies who offer car insurance on the net are cheaper because the automated process costs them less to process your papers. Online car insurance companies usually offer discounts of 5%-10%.

2. Don't be satisfied with the first insurance company you see that seems to have reasonable price already. Shop around. Each insurance company has got a different way of calculating the interest rate they give you after asking questions.

3. When the insurance company offers you added insurance products do try to purchase them. I.e. the buildings and contents insurance of the car. They will give discounts when you purchase their added products.

4. Pay the insurance full. If you can pay the car insurance on full amount in one go, you can avoid paying the costly APR rates. Some companies charge a 15% rate when you pay on installments. The companies may even give a discount if you paid in full. If you are really not capable of paying the full amount, check out the company that offers the smallest APR rate.

5. "Excess" in car insurances is the amount you pay in case you have made a claim. When you increase your claim voluntary the car insurance company will reduce the premium.

6. Having a lower annual mileage will make the car insurance company lower the premium. The usual quotation of companies is for 12,000 miles a year. Try to figure out if you have less mileage than that in year. If you do, you may get a lower premium. They will check your old MOT's and service history to verify what you say.

By following these tips you should be able to lower the premium on your car insurance.

You may freely reprint this article provided the following author's biography (including the live URL link) remains intact:

About The Author

John Mussi is the founder of Direct Online Loans who help homeowners find the best available loans via the http://www.directonlineloans.co.uk website.

Article Source: http://EzineArticles.com/?expert=John_Mussi

Posted by Orce37 at 11:18 AM | Permalink | Comments

If you planed to buy an used car, it is important not only to find the car you like but you may also need to take some precautions like checking the car history, taking a test drive, knowing its book value or taking an extended warranty.

Check the car’s history

An essential factor when car browsing is to learn the car’s history. This entails finding a reliable source as to whether the automobile has ever been flooded or involved in an automobile accident. Before agreeing to buy used cars, consumers may obtain a CarFax report at www.carfax.com or by requesting that their local dealer provide a copy. There is a minimal fee involved in acquiring the report, but the findings are invaluable. For instance, the number of owners and the title status are both included in a CarFax report.

Take a drive test

Generally, used cars buyers will be permitted to take a test drive and also may think about requesting permission to take the automobile to a trusted mechanic for an additional inspection. The best way to confirm that the automobile is in the condition as stated is to take it to a mechanic, who can properly inspect used cars and locate any underlying problems. Even if most used cars are exactly as stated, when auto safety and any amount of money is involved, there is no room for error in judgment.

Know the car value

Before buying any used car, it is important to be familiar with the value of the vehicle. One way to determine an accurate value is through the use of Kelly Blue Book (www.kbb.com) and their extensive pricing system. By entering specific information about an automobile, consumers will receive instant value estimates online. In order to get an accurate value, consumers must know the make and model of the automobile, current mileage, additional features and overall condition.

Ask for an extended warranty

It may also be possible to purchase an extended warranty when you buy an used car. Because the original warranty has already expired on most previously owned vehicles, this option is available for the consumer who wants to make sure their purchase is covered. It is important to realize that the warranty is not automatically included in the sticker. In fact, the consumer should ask the dealer specifically about purchasing an extended warranty. More often than not, an extended warranty can be added into the total cost and may even be included in the financing.

Find more about used cars, Kelly Blue Book and used cars value http://www.autonews24h.com/Buying-Guides/KellyBlueBook.html

Article Source: http://EzineArticles.com/?expert=Aurel_Radulescu

Posted by Orce37 at 8:48 AM | Permalink | Comments

You can easily get a free auto repair manual for whichever repair need you might have. You need an internet access and have to follow a certain procedure searching for auto repair manuals, but when you have done this procedure a few times it will be very easy to find the right instructions for do it yourself auto repair and it won't cost you a dime.

There are four types of automotive description documents that you will need to choose from when you want to do a repair;


General manuals

Diagnosis descriptions

Repair manuals

Maintenance manuals

General Manuals

In addition to some general manuals, most of these are related to the make. Here you can get step by step guidance on how to repair most of the makes in the vehicle market. Let's say you have a Honda Acura 2002 model and you want to find a manual for that make and model. What you do is perform the following search in a search engine: "free car manuals+Honda Acura+2002". Then you will have a long list of sites that provide you with all kinds of descriptions for your Honda Acure 2002 model, and you can choose what you want.

Diagnosis descriptions

Automotive diagnosis manuals can also be sub-divided by make and model. But it can also be divided by the area of the vehicle that is affected, for example engine intake problems, brake problems, cooling problems, exhaust problems, start or stall problems, transmission problems etc. Let's say you have a start problem. Your search would be "car diagnosis manual+ start problem", then you should get more than enough repair information to choose from. You can even get diagnostic trees where all options are covered for nothing.

You have probably more than one time heard some annoying noise from somewhere in your vehicle, without finding the source of it. This is one of the most kinky situations to run into because you don't know if it is a serious signal or just a small thing. Some websites gives you the opportunity to diagnose vehicle problems by the noise, sound and vibrating signals - and that is great. The sooner you find it the sooner you can fix it and then you can relax. When you search, you can describe the sound, for example "whine noise" or "shifter knocks" or "driveline vibration" plus car diagnosis manual plus eventually the make.

Repair Manuals

In addition to regular manuals you can also get very instructive and detailed descriptions in other internet document or websites like articles, etc. The natural way to sub-divide such repairs before searching, is by the area of the vehicle that is going to be repaired, for instance body repair, exhaust repair, suspension fix, interior repair and even general car repair.

You do the search the same way as above; "car repair manual (or description) + the area of repair and go through the list of resources you get.

Maintenance manuals

Though vehicle maintenance is closely related to your vehicle make and model, there are some maintenance issues that are pretty much common whether you have a Cadillac, VW or a Mercedes, for example changing oil, changing air filters, engine wash, fluid maintenance, tier maintenance etc. You can get access to maintenance descriptions by searching for the kind of maintenance plus "car maintenance manual (or description)" plus eventually your make and model.

I think you'll be amazed of the amount of automotive repair free stuff online.

Terje Brooks Ellingsen is a writer and internet publisher. He runs the website cheap-used-cars.w-eland.com. Terje gives advice and helps people with automotive issues like auto repair and online car auctions.

Article Source: http://EzineArticles.com/?expert=Terje_Ellingsen

Posted by Orce37 at 5:01 PM | Permalink | Comments

Auto insurance refers to the insurance which is used for insuring the automobiles against any kind of uncertain accidents that may cause damages to the vehicle. The main purpose that the insurance serves is to give protection against the losses incurred due to accidents. Auto insurance is a type of insurance that consumers must buy to protect the life span of their vehicles and also for any kind of damages that the vehicle may suffer in an accident. Auto insurance is used to insure many automobiles such as cars, trucks and any other kind of vehicles that may need it. Different kinds of coverage are available under these insurance schemes such as Third-Party Foreign Theft and Fully Comprehensive insurance, to suit the interest and the needs of the insured.

Before buying auto insurance, it is very important that the person requiring insurance analyses the companies that provide vehicle insurance quotes. Different companies offer different quotes for the insurance of the vehicle, so the consumer must look out for the best one, which suits his needs and which proves to be highly economical. Many companies also give different discount schemes to attract more and more consumers. The consumer can save a good deal of money while purchasing auto insurance by comparing the quotes of different companies and choosing the cheapest one which satisfies all needs.

Comparing the quotes of different companies on the internet for buying insurance provides a wider platform to the consumer, where they can compare quotes from several companies and choose one among them. The main thing about choosing a quote is that the quote need not necessarily be cheap but the company must be an established one which the customer can rely on should they have an accident.

The consumer should not only compare the quotes of different companies but also the company’s reputation and their way of service. While comparing, the consumer is more acquainted with the different kind of coverage that are available and can choose among them according to the needs. Buying insurance online is the most popular way of buying insurance because it is really fast and convenient, which suits to the busy life of people who have little time to phone around the various companies to relay the details of the insurance cover they are after over and over again. And the best part is that it is free of cost, i.e. no cost is involved in gathering the quotes online from different companies.

Auto insurances are needed because of the reckless accidents that happen on our roads day after day. These can only be reduced once the certainty of the accidents is reduced. The companies quote their prices for insuring depending upon various factors like the age of person to whom the vehicle belongs, the location where the car is bought and supposedly to be used and also many other factors like whether the driver already has points on their licence. The details regarding the car, like where it is being parked, whether or not it is kept in a garage (which is supposed to have less risk of being stolen) and also the mileage of the car are also deciding factors. If the car travels less than a specific limit of miles then such cars are likely to receive some kind of mileage discounts.

Ideal Auto UK offers the opportunity to find information regarding car insurance and members can also sell used cars online. Be sure to read through some informative vehicle insurance articles also.

Article Source: http://EzineArticles.com/?expert=Justin_Brown

Posted by Orce37 at 8:11 PM | Permalink | Comments