To protect yourself from loss in the event of an accident you must purchase insurance. In the automotive realm this is an easy thing to do but there are a lot of options that you need to consider first so that you can get the most for your money.
You are bombarded everyday with advertisements from insurance companies on television, radio, magazines, and newspapers, not to mention the unasked for envelopes in your mailbox from insurance companies who know nothing about you offering to save you up to $497 dollars per year on your auto insurance.
Let’s look at some interesting insurance history first. In an ancient treasure called the Code of Hammurabi we find that in Babylon around 1780 B.C. that if a merchant ships cargo was lost, traders were protected from financial responsibility in exchange for 20 percent of the cargo’s value.
The first car insurance policy was written in England around 1895. The first car insurance policy in the United States was written in 1898. In the year 1927, Massachusetts became the first state to require mandatory automobile insurance. All fifty states now require automobile insurance but it is up to each state to determine the minimum amounts of required coverage.
Coverage- Certain coverage may be costing you more money than you need to pay. An example would be carrying physical damage coverage on a vehicle with a low value. Another example would be having double coverage when a health insurance policy is in force. Find a knowledgeable insurance agent to guide you in making these decisions. Always get more than one quote. Get a second and maybe even a third estimate.
The vehicle that you drive is generally the second most expensive investment that you have purchased and it should be protected by an insurance policy just as you have protected your home against damage. Did you know that it is a good idea to get an insurance quote prior to purchasing a vehicle as some fall into a higher risk category.
Adding additional vehicles on the same policy can help to reduce your rates with a multi car discount. The amount of miles that you put on a vehicle in a year has a direct impact on how much your insurance premium will be. MileMeter Insurance Company, based in Dallas Texas, sells insurance per mile and has over 100 pending patent claims.
There are some insurance discounts available to good drivers that year after year do not turn in any claims. These discounts are issued as a result of having a good driving record with a certain minimum amount of driving experience. A good student discount can help younger drivers with a discounted premium. Some things that cannot be controlled, such as age and sex, can impact prices also. Discounts for seniors can be attained by taking and graduating defensive driving classes.…
When people are involved in car accidents they’re often afraid to tell their insurance company about it. They’re worried their insurance prices will go up.
Your insurance rates will only increase if you were at fault for the accident. Even if you were at fault, the fear of increased rates shouldn’t deter you from reporting the claim. You can be sure the other party will talk to their insurance provider, who will contact your provider.
The reason you pay for insurance is to protect you from instances exactly like this. Your liability coverage will cover any injuries and damage to the other party. You already pay for your insurance, you may as well utilize it.
You’ll want to file a claim as soon possible so your insurance provider can get started on resolving the accident and getting you back on the road as soon as possible. They’ll get in touch with the other insurance company and the other parties involved on your behalf.
Do not try to settle the accident on your own. Almost always, the other party will claim injuries, loss of income, pain and suffering and more. Unless you’re a millionaire, you won’t be able to afford this. Just let your insurance take care of it.
If you discover your car has been vandalized in some way (broken window, scratches, etc) or if it’s stolen, assuming you have Comprehensive coverage, your rates will NOT be affected as you weren’t a negligent driver.
Insurance rates only go up when the insurance company can see that you are more of a risk as a driver.
So don’t be afraid to file a claim.…
If you’ve been researching warranties online, you might think you have a handle on the auto repair warranty. It is pretty simple, right? If something breaks, the warranty will cover the cost to repair or replace it.
But there’s a problem with that statement. Not everything that breaks is covered in every situation.
There are two types of parts failures, as far as your warranty is concerned. A part either fails because of a mechanical breakdown, or it fails because of accumulated wear and tear. And in most warranties, there is a world of difference between the two situations.
If there is a failure in a part because of a fault that was introduced in the production or assembly stages, that will be repaired under most warranties. But what if the part was perfectly fine when it came out of the factory, and there were no problems with its installation? Why would a part break otherwise?
The older your car gets, the more likely it is that a part will fair due to repetitive use, or “wear and tear”. Think of it like you would a pair of sneakers. If the sole rips off the first time you go for a run, you will likely be able to return them for a full refund. If the stitching comes undone after a week, it won’t be your fault. But if you run and run and run, and eventually, the heel wears down to the point that it cracks, you certainly wouldn’t be able to return them for a refund. The same principle applies to your car. The longer you own your car, and the more mileage you put on it, the more likely it is that a part failure will be due to “wear and tear”.
So what? Won’t the warranty cover wear and tear damage? It is impossible to speak for every warranty out there, but many of them, the answer is no. And of course, if it is not covered, you might find yourself having to argue with the warranty provider about what constitutes “wear and tear”. This is why you will want to read the fine print of a prospective new auto repair warranty before you sign it. A “mechanical breakdown only” warranty will likely cost a lot less, but the older the car, the more likely that your part failure will simply be written off as “wear and tear”, and the costs for repair or replacement will fall squarely on your shoulders.…
What exactly are you looking for in a car? You’ve thought about all of that and have gone to get your test drive. Well congratulations! But then always remember that even when you think that you have figured it all out, you might not have actually. You might just be looking at a car situation from the point of view that is basically manufactured by the car company itself. Your dream car might just be a test drive away, but are you really well prepared to know exactly what you expect from the test drive? Read on.
Check whether the car is well made and if there is any empty space between the fender and the hood. Check whether the wiring under the hood is done properly and bundled as would want it to be. Also, is the paint fine? Are the metal edges smooth rough?
While You are Taking a Seat in the Car
Is it easy enough to enter and exit the car? Is the back seat equipped with enough leg space? If you need a child car seat, check if there is space enough to insert one? Is the driver’s seat comfortable enough for your legs to move and press on the breaks, etc.? is it in fact comfortable enough for a long drive? While you are sitting in the car you should run all these checks.
While Driving, Can You See Everything Well?
Is the top of the steering wheel rim higher than your shoulder? Check the wipers, the wiping fluid and see which part of the windshield the wiper does not take care of as you will need to know that for safe driving. The passenger side mirror also should be checked for bind spots. All this is part of the vision test.
Checking the Suspension
Comfort is really important and you should have as much of that as you can while you are driving. Is the rid too soft? Or even too hard? Does it jar your spine too much? If you are buying a sporty car you should be looking for a firmer ride. A few sharp turns of the wheel, u-turns- you should check the suspension reacting to all of this. It is extremely crucial to check if a u-turn can be made in a single smooth motion. How does the car perform on bumps?
Checking Steering
A small turn with the steering wheel should be executed by the wheels quickly enough. You should check how much effort you have to put into the steering. Too less or too much is both bad in this case. Check if the car moves in a steady course when you are relaxing the wheel on a steady course.
Choose you features carefully as with the set of wheels or the set of features that could give you a better deal with the car. You will know these after the test drive. Fuel economy is a must check. Carry out an evaluation based on all of this.…
Established in the year 1976, with its headquarters in Italy in the city of Orbassano, which is not at long distance from the city of Turin, the Centro Ricerche Fiat carries out study on the following topics:
1) engines
2) vehicles
3) electronic classifications
4) fabrication processes
5) Technical-managerial techniques.
History and achievements of the car company: Fiat
In the years, the Centro Ricerche Fiat has added notoriety for the superiority of its technological accomplishments, which have been pleased with prominent worldwide honors: Some of them are as follows:
1) ?The Economist modernization Award ? in the year 2002? for the expansion of Common Rail Diesel locomotive expertise.
2) ?Legambiente in the year 2002?, for the development of Hybrid Methane locomotive.
3) The ?Ferrari Expertise Awards? for the year?s most excellent technological associate.
Present most excellent car models launched by Fiat:
In the midst of the company?s most excellent achievements, exact point out must be done for the Multijet locomotive, fabricated in the year 2002 as the 2nd generation Common Rail locomotive, with considerably improved presentation, that at present motorize the subsequent models from the Fiat series:
a) Panda
b) Stilo
c) Punto
d) Idea
Safety: primary concern of the company:
Over the period of time, Fiat?s obligation to protection has become a solid plan, recognized by everyone by ?all-round safety?, fabricated in view of the Sixties systematic study carried out by the Safety Centre of Fiat.
The entire tests and study activities, varying from collide tests by means of electronic mannequins to tests on personality elements, show the way to the formation of progressive systems and piece of equipments, obtainable on all the automobiles in the variety, to make certain that driving is comfortable, road holding and safety is maintained: from defensive security to active and passive protection.
Company?s concern to safeguard the environment:
Shielding the surroundings is among the Fiat?s most important objectives, that has made accessible its talents and technical development for years, and has tried to augment community consciousness: conserving the surroundings is most important dispute that unease the culture and performance of civilization all together.
As element of its promise, Fiat has concerned not only its associates in manufacturing, but in addition to the administration and neighboring institutions, in a steady attempt to decrease the ecological effects of its merchandises and manufacturing processes.
New innovation of the company: tetra fuel vehicle
Now, afresh, the assembly of innovates with the exercise of the energy, by beginning the innovative Fiat Siena 1.4 Tetra fuel, the initial motor vehicle on the earth that can make use of 4 types of dissimilar fuel:
1) ethanol 100% pure
2) Brazilian gasoline 20% ethanol
3) pure gasoline, similar to that utilized in dissimilar countries of Latin America and Europe
4) natural gas…
Starting an auto repair shop can be very profitable, but a shiny complete shop full of new equipment can be out of the reach of most auto repair business entrepreneurs. The cost of a business startup can deter many of us from starting a new auto repair shop now.
However success is never easy and the first thing you need is determination! If you push though this financial obstacle then you will reap huge benefits and rewards. If you have the ability to repair vehicles then you are more than half way there. You can start an auto repair business as long as you can do the work yourself and you have the drive to do it. Here are 5 tips to start your auto repair business with little or no money!
1) Legalities. You will need to get an occupational license and open a business bank account. You will need to file a fictitious name request online to open a business bank account. You may also file for an occupational license online as well.
2) Type of business. You will need to adjust your niche. If you cannot afford a shop to bring customers to why not take the shop to the customers. Why not offer a mobile auto repair business until you can get a brick and mortar shop.
3) Business cards. If you can afford to you should go to a professional for your business cards such as Vista print they offer a onetime free offer for full color and quality business cards. Do not forget to utilize the back of your business cards. Do not leave the back of your cards blank. Think of the back of your business cards as a free billboard that you can use to offer discounts or referral fees to consumers who send customers your way.
4) Free ways to market. Marketing is the key to any businesses success or failure. You should utilize every social media site that you can such as Twitter, MySpace, Facebook, LinkedIn and Google+. It may seem daunting at first but you can use to update all of your social media sites at once. You will need a website with your local keywords in the Meta tags. You must submit your website to as many search engines as you possibly can. You can start search engine submissions with . You will also need a keyword rich blog. You should use the services section of Craigslist to post your auto repair niche classified in for free. Do not post a plain old ad to Craigslist, go to Google and type in free Craigslist template and you will get an eye catching template for free. You should post your classified to as many free classified sites that you are able to. Post a free ad on Manta and post your business information on Google maps and places. This is by no means a complete list but these ideas will get you started on your path to owning a successful auto repair business.
5) Failure is not an option. If you really want a repair shop full of equipment that you own then you will need to make it happen. You will need to save 20% of the profit that you make and save it. If you can you should open an interest bearing account and keep adding 20% of your profits to your savings account and you will be on your way to owning the auto repair shop you have dreamed of.
Whatever you do make it count! Do not take no for an answer! Do not listen to nay Sayers! If everyone in history listened to the masses we would still believe the world was flat. 2012 can be the year you started on your road to success!…
Have you been looking for a car for days and have not find the correct car till yet? The reason that you have not been able to find a good car is that you are not using all the resources at your disposal, the best of which is internet.
Have you used internet to find a car? If not, then this is the reason that you have not been successful in finding a car for yourself.
The best place to look for cars on the internet is auction sites. At auction sites you get a very diverse range of cars to choose from, along with many used cars, you can also find a few new like cars.
The general perception that at an online auction you can only find things, which are useless, is wrong; if you are vigilant, you can find some of the best things of your life from an online site. You can find cheap as well as expensive cars according to your economic conditions.
How to look for cars on auction sites? Well, this is really simple you just have to go to an auction site; the rest of the process is quite automatic. You can either browse each and every car that is available on the site and you can pick the one that suits your taste best.
If you have a price limit, then you can search according to the price that you want the car to be in. Auction sites can get everyone something that is useful for them.…