Style2

Style3[OneLeft]

Style3[OneRight]

Style4

Common Mistakes When Buying Auto Insurance

Posted by: Tips Park Posted date: 09:34:00 / comment : 0 , , , , , ,


What do you want from your car insurance? That it fully protects you and your vehicle? Sure. That it's cheap? Most definitely. So you want to make sure that you're adequately covered while saving as much money as possible. Not a problem. But try to avoid these mistakes people commonly make while buying auto insurance.

Not shopping around

This is one of the most common mistakes people buying auto insurance make; failing to shop around. In most cases you'll find people are loyal to the insurance provider they've had in their families for years and don't really feel the need to look elsewhere for better rates. While there's nothing wrong with loyalty, insurance companies might change their policies over the years. They could offer discounted rates, money-saving packages offers and schemes that could really make buying insurance a lot more affordable.

Today, in fact, getting an auto insurance estimate has gotten much easier. Most carriers have auto calculators on their websites which give you instant quotes so you don't have to worry about individually visiting the company office to find out rates. Our advice to you would be to get at least 2 or 3 quotes from carriers, compare the rates, read customer reviews to find out about the service and THEN decide on one which suits your needs best.

Getting the cheapest coverage

Sure, you want to save money. But why compromise on the safety to do so? People forget that car repairs, medical expenses, towing and labor can all cost you a pretty penny. Even though you might have to pay a little extra, having adequate coverage can pay for such damages without you having to worry.

Not inquiring about potential discounts

Discounts are what save you precious dollars when it comes to auto insurance. Most people are unaware of the discounts they're eligible for and so lose out on a chance to save some money. When shopping around for insurance, find out about the various discounts that the insurance company provides. Some of the discounts you could get are for having multiple policies through the same carrier, installing anti-theft devices on your car, being a good student, enrolling in defensive driving classes, putting in low-mileage on your car and more.

Not informing your insurance provider about major life changes

The importance of having your policy be current cannot be stressed enough. Your auto insurance changes along with various life changes such as: getting married, getting divorced, moving house, retiring etc. It is important to inform your insurance provider of any such changes in your life as soon as they occur.

Failure of paying your premiums on time

People tend to get careless about paying their automobile insurance premiums on time. Forgetting to pay your insurance premium could cause it to increase the next year. In some cases, failure to pay your premium on time could also lead to a policy lapse, which means there's a chance you might not be covered during this time.

How To Protect Your Automobile

Posted by: Tips Park Posted date: 13:07:00 / comment : 0 , , , , , , , ,

Owning a vehicle requires endless ongoing maintenance and care. There is the mechanical maintenance upkeep including routine oil changes, tire rotations, brake checks and tune-ups. All of those are costly but are required to preserve the longevity of the automobile. But not only to vehicles need the ongoing mechanical maintenance but they also need the cosmetic pampering as well. There are major things that are done and simpler things to preserve the integrity of the vehicle. Covering your vehicle is a great way to protect the outside of all automobiles. In addition, although they are more commonly seen in sports mobiles, convertibles and more expensive vehicles, they can benefit all cars.

There is no such thing of an inexpensive automobile. Today, the cost of any automobile are monumental and protecting your investment is important. Investing in vehicle products and accessories may seem costly in the short term; however, in the end the investments prove beneficial.

Protecting your property is important to avoid the ongoing deterioration that often takes its toll on the automobile. Weather can cause damage and make them appear much older. The paint can look dull and fainted because of snow, hail or other vile weather conditions.

In addition to damaging weather, other elements can alter the appearance of any automobile. Dust and dirt can settle in on an automobile causing cosmetic damage. Constant sun is also another culprit to premature aging of an automobile. There are many things that can change the look of a vehicle in a short period and the best way to avoid premature aging of a motor vehicle is by purchasing a car cover to provide protection. These are custom made and appropriately fit any automobile.

Providing a shield for your vehicle is a great way to safeguard your automobile from potential damage. When a vehicle is protected, the value is protected as well. When a person wants to sell their automobile, the first thing people notice is the exteriors. If the appearance is in good condition, there is a better chance of getting the asking price you deserve.

Every investment should be followed up with protection to maintain its value and automobiles are no exception. The damage that often happens to the exteriors of vehicles can be avoided by purchasing car covers. The styles, makes and prices vary but they are affordable enough for everyone to purchase. Do not allow the value of your automobile to be significantly decreased, protect your automobile today.

Credit : Adir Heli

Benefits of High Premium Auto Insurance

Posted by: Tips Park Posted date: 02:31:00 / comment : 0 , , , , , ,

It is logical that higher premiums have countless benefits, although practically everyone is deciding to choose the cheaper versions of auto insurance. These are simple and indisputable facts. Although almost every person feels the consequences of worldwide recession, it is sometimes simply reasonable not to try and save on just about everything. many things will prove themselves worthy especially if it comes to paying higher premiums on your auto insurance. The same is with auto insurance and possible advantages you want to have. Some extra dollars will prove your decision was right although it took more money out of your pocket that you have wanted.

Basically, it is not that much of a difference once you choose higher premiums in comparison to lower ones which cover only the basic stuff, while the other covers practically everything. Quite the contrary, some additional rate you will pay each month will seem like a pain only at first. On the other hand, you are certain it will come back to you in the case of need and that is what matters. Laws differ once you are crossing borders, where higher premiums on your car will certainly mean you are a serious and attentive person.

Insurance companies usually differ in their regulations. if you choose to pay a costlier option, you will feel covered no matter what situation might occur. It also matters in comparison to the car you drive. People avoid cheap auto insurance especially if they tend to choose costly, fast cars. This is a reason enough since you have paid a lot, and it only makes sense you want to protect your costly property by paying larger monthly premiums.

If somebody steals your car, you will also see where these extra dollars went, because you are in an advantage situation. Your own garage or your highly secured parking space with a guard will mean nothing once for a grand theft auto offence. Low premiums won't provide much coverage to provide you your beloved Mustang or a BMW and you just might regret those extra dollars you should pay. If you choose to drive with style, pay higher premiums and be on the safe side.

There are many people on the road, addicted to fast drive and thus susceptible to more accidents than others. Driving fast can always result in an accident, and this is where your costlier benefits come onto the stage. If your choice was a cheap auto insurance, you will feel no benefits of high premiums, which are allowing you to cover all the costs of damaged cars or medical expenses. Every driver should keep in mind that value of the vehicle should be followed by properly chosen high premiums which carry many advantages.

You must know that many factors will always influence the premiums you pay monthly, which are not the same for all. Your credit history is also what always count. Cheaper insurance rates are usually asked by people with high credit background. People with low credit score usually opt for higher premium rates since they want to provide themselves as less risk as possible. You will only benefit from the choice which is result of careful price evaluation and your own reasonable decision.

Credit : chaitanya patel

How To Save Money On Car Repairs

Posted by: Tips Park Posted date: 02:01:00 / comment : 0 , , , , , , , ,

Car repair costs are rising exponentially on a daily basis. Modern cars have some amazing features that have added to the comfort of the driver, but this has also given rise to the disadvantage that car repairs and servicing costs a lot more today, than it did a while ago. A xenon headlight repair can cost you thousands of dollars! Additionally, the costlier the car you drive, the greater it costs you to get it repaired.

Dealerships across the United States have also raised their labor charges. Certified mechanics charge on an hourly basis and these numbers are almost as high as $70 to $80 an hour. Naturally, it is important that you are aware of all these figures, so you can be informed and not get a huge surprise when it comes to paying your bill. It is a good idea to get a quote from several dealers, so you can get the best deals.

The cost of car repairs depends on several factors. First, it depends on the region you are living in. Secondly, it depends on the age of your car, its brand and make. Foreign import cars are costlier to repair. Their parts are difficult to find and you might need to visit specialized auto repair shops for this purpose.

However, there are some things you can do to keep your car repair costs lower. First of all, ensure that you read the manual thoroughly. This can give you very good tips for self repair. If you do not have experience in the matter; it is best to get the car looked at by a professional. Secondly, regular servicing at the recommended mileage is also very important. These services are done in the warranty period and can help save you a great deal of money. They also 'catch' problems in the early stages and can help prevent costs of future repairs. The warning lights on the dashboard are also very important as they warn you of wear and tear. Such repairs can cost a lot less than when you take in your car for repairs at a much later stage. Regular oil changes are also important to add to the lifespan of your car. That said; there are newer cars that go without an oil change for up to 5000 or even 10,000 miles. Car brands like Ford recommend oil changes after 7500 miles on models beyond '07.

Other small yet overlooked things, which can lead to large car repair bills, include not checking the receipts properly. Make sure that you ask your mechanics about the parts replaced. If you have taken an estimate prior to getting the job done, you are entitled to question them as to why the billed amount is higher. Finding an honest auto shop is thus very important. Unscrupulous mechanics will not hesitate to call you and ask you to get further repairs as long as your car is there in his garage. It is best to switch to new mechanic unless your current one makes a good case that your car indeed needs additional work.

Credit : Nancy Hong

How And When To Change Engine Oil

Posted by: Tips Park Posted date: 04:06:00 / comment : 0 , , , , , , , , , , ,

Engine oil changes are activities that any driver must not neglect. This is because changing the oil increases the efficiency and lifespan of the engine more than any other maintenance activity. That being said, there are a few things that you have to take into account in order to know when to change the oil.

When changing the oil, you have to read the manufacturer's directions because each type of car is different. These instructions will also guide you in oil selection. You'll also find minor differences in procedure that accommodate varying uses, driving conditions and the like.

The most common instructions to follow when changing the oil is under normal driving conditions i.e. short trips, regular highway trips, occasional drives in dusty roads etc. All in all, you find that the normal duration you should change the oil in is between 3000 to 5000 miles. Sticking to a schedule is better than having to wait for signs like smoke because you do not have to unduly tax your engine.

The following is the general procedure that any driver should follow when changing the oil:

1. Start the engine and let it run for a few minutes. This is very important because the oil and impurities contained therein flow out more easily when they are warm. You may also need to park the car in an elevated place e.g. a ramp if the ground clearance is too low.

2. Look for and unscrew the engine oil fill cap since is the means by which the dirty oil will flow out. It goes without saying that you should have a bucket or drain pan placed underneath to avoid a mess. It also helps to have safety equipment like latex gloves, goggles, closed leather shoes etc. to avoid stains and injuries.

3. The next step cited in procedures of when to change oil is the installation and tightening of the oil drain plug with a new gasket in accordance to the manufacturer's directions. You should then place the bucket or drain pan under the oil filter. Remove the filter, plus the gasket and wipe them down with a clean, absorbent cloth.

4. The next step is manual installation of the new oil filter gasket. You should first apply a thin film of new oil in the opening and screw it tightly on. After this is done, add the new oil into the tank, making sure that you follow the car manufacturer's specifications on oil type, level, etc. This will allow you to prevent unnecessary wastages, when changing the oil.

5. At this stage in the directions of when to change oil, check the oil level using the change engine oil dipstick. The level should be a little ways above the full mark so as to accommodate the oil that will go into the filter.

6. The final step is screwing on the oil fill cap, starting the engine and letting it run for a few moments. This is to allow the new engine oil to circulate into all parts of the engine.

In a nutshell, changing the oil tends to be a very easy and necessary procedure that a driver should never neglect.

Auto Insurance Facts and Rating Factors

Posted by: Tips Park Posted date: 10:48:00 / comment : 0 , , , , , ,

Driving is a privilege and should definitely be taken seriously.  If you are looking to find the cheapest auto insurance, take these facts into consideration because they will help determine which insurance companies are targeting you as a customer.

The age of the driver
It is a proven fact that individuals under the age of twenty five tend to get into and are negligent for more auto accidents.  These young people also receive more speeding ticket and stop light tickets.  By the age of 25 many drivers begin slowing down and paying more attention to driving laws. 

The grades of the driver 
If the driver is still in school, a high grade point average will help reduce the cost of their monthly auto insurance.  Why?  Insurance companies judge you less for your age if you show them a higher level of responsibility. 

The sex of the individual 
This may not seem fair to some, but auto insurance companies insure women for less.  It is a statistical fact that women get into less negligent auto accidents than men.

The location of the driver
Typically, auto insurance customers who live in large cities are charged more than those that are from more rural locations.  With fewer drivers on the road, there will be less risk of ever being involved in an auto accident. 

The vehicle type
Some cars tend to get into more wrecks or have more problems than others.  Sports cars cost much more to insure than regular vehicles because they express a greater risk.  The faster a vehicle can go, the more damage and injury they can cause in the event of an auto accident.  The same goes for the size of the vehicle.  Large sports utility vehicles have their uses, however they can cause a lot of damage and injury to those driving smaller sized cars.

Marital Status
Generally most insurance companies will offer a lower rate if you are married.  Being married doesn't make you any better of a driver, in fact, some may say there is more distractions on the mind of someone who is married.  I suppose the insurance companies do take into consideration they now get to insure 2 people instead of one and the insured may possibly need to insure more vehicles and property down the road.


Credit : Colejustin

How to Receive the Best Car Insurance Quotes

Posted by: Tips Park Posted date: 09:00:00 / comment : 0 , , , , ,


All of us want to avoid paying too much for our car insurance. However, finding the best car insurance quotes in the market is easier said than done. Most of us do not have much idea about the complex functioning of the industry. This is exactly why the companies find it much easier to dictate the terms of the market. 

Some preliminary knowledge is extremely essential in order to find out the best insurance quotes available.  Shopping around and looking at several options is the key to finding the policy that may solve all our insurance problems. We often tend to blame the service providers for spending too much behind the auto insurance policy. However, we can bring down the costs substantially by addressing certain areas.  

The best way to receive the cheapest available quotes is to invite quotes from websites that provide free service of sending quotes from many companies in a very short time. The chance of receiving a good quote is certainly more when you have several car insurance quotes at your disposal. 

Moreover, the best of the discounts are also available from these online quotes. Millions of people now use this service because it provides them the freedom to make an informed decision without the influence of agents. Compare these car insurance quotes and only deal with a well-known company that offers good discounts. 

All of us can influence the car insurance quotes that we receive from the companies. No matter what category they belong to, all car owners are entitled to receive discounts from the service providers. However, it makes sense to be well aware of these discounts because very few of the companies offer these discounts proactively. 

The car owners who have good driving record, good credit score, or both enjoy the healthiest of all discounts.  Please concentrate on rebuilding these records if you have a dodgy credit or driving history. These processes do take some time, but the benefits are just too many. Our car insurance quotes are also dependent heavily on the type of car and how much the car runs. In order to receive maximum discounts, one must use a cheap car and maintains a low mileage.      

Good car insurance quotes are the ones that offer the type of coverage we require for our vehicle. Therefore, it is important to know that  a good quote is not necessarily the one that offers least price, but the one that provides all the features within a reasonable price.  

Checklist for Buying Car Insurance Online

Posted by: Tips Park Posted date: 06:41:00 / comment : 0 , , , , , , , ,


This article features a checklist to help you choose the right car insurance online quotes. When it comes to finding the right auto insurance quote, getting all your ducks in a row will help you save time and money.

Determine your needs.
It’s important to check what coverage is required for the area you live in. All insurers (government or private) provide car insurance that is defined by a strict framework of provincial or state laws. While the basic car insurance policy is defined by these laws, there are still numerous choices available in terms of coverage limits, deductibles and optional coverage – which is why rates vary from one car owner to the next.

Auto insurance is tricky because it’s a risk business. Customers base much of their decisions on any number of “what if” scenarios. The more cautious you are, the more you pay. Insurance companies are able to calculate the likelihood of all kinds of catastrophic occurrences in mere seconds. But you don’t have that ability. In order to decide what level of coverage is right for you, you’ll just have to decide what level of risk you’re comfortable with.

Assess your current policy.
Before you do any comparison-shopping, take a look at the policy you already have (you may have to contact your provider to retrieve all of your information) and crunch some numbers. Calculate how much your current rate costs you monthly and annually, because you will be assessing quotes based on both of these figures.

Check your record.
Nothing swells the price of car insurance like a dodgy driving record. However, insurance companies only examine your driving history over the last three years. If a ticket or a number of demerit points you earned in that time is about to disappear, you may want to wait it out before you start shopping for insurance. That way you have a cleaner record to base a quote on.

Start shopping.
Once you’ve done all of the background work listed above, you’ll need to set aside about an hour (or maybe two) to solicit quotes. Make sure you have your current insurance policy, your driver’s license and your vehicle registration on hand. Now you can start your online search by visiting various insurance sites and typing in your information to get a quote. It takes roughly 15 minutes to complete one quote. As you go, you can start building a list of comparative rates. Make sure to keep your coverage limits the same on each quote, so you can make apples-to-apples comparisons for cost and coverage.

Keep an eye out for discounts.
While you’re gathering quotes, be sure to also investigate your options for discounts. Insurance companies will give discounts for a number of reasons – a good driving record, any safety or security equipment on your car, or even certain occupations or professional affiliations you may have. In some cases there are even discounts for the young driver of the family who has a high-grade point average. This is an important part of your research because it affects how much you end up paying.

Research the company.
As you compare quotes, be sure to do a little research on the company itself. Do a search for reviews on the company’s financial stability and customer service. Also take a look at the company’s payment policy. When is the payment due? Are there different types of plans available? What happens if you make a late payment? These are the types of questions that could impact your final choice.

Read before you sign.
Once you’ve selected a company you would like to seek coverage from, be sure to review all points of the policy to ensure that it contains exactly what you’ve requested and priced.

Credit : Josh Hanna
Subscribe to: Posts (Atom)
Copyright © 2016 Tips Park