8 Tips to Save Money on Car Insurance

Since car insurance is costly, most consumers don’t want to use it. Buying the right coverage is important, but it costs more to get a new car insured. Give below are a few tips that can help you save money on your car insurance. Read on.

Annual Rate

You can check out some websites to compare different insurers online. While you can’t get a quote immediately, you will get a reply soon from the agents of the company. You may want to consider making a relationship with a good independent agent. They will help you check rates of tons of carriers.

Pick a Good Insurer

Saving money is not about looking for the lowest premium. Actually, some providers offer lower rates of premium. However, they end up charging you more at the end. As a result, you pay more for replacing the parts of the original equipment. In some cases, the provider may increase your premiums post an accident.

The Deductible

With a higher deductible, you will have to pay lower premiums. The reason is that you will be paying more in case of a claim. For instance, if you increase your deductible to, say, $500 from $200, you can cut down on your premium by 15 to 30%. So, if you choose $1,000, you will be able to save as much as 40%.

Review Your Coverage

Liability coverage will pay for your property damage and bodily injury in an accident. It’s not a good idea to reduce your liability to the minimums set by the state. While buying more coverage can seem a strange way of saving a lot, you can enjoy this benefit only if you have a big, expensive claim. As a result, your life savings are at risk. What you need to do is consider your personal injury medical payments and protection coverage.

Use the Discounts

Keep in mind that car insurance providers offer discounts based on the fact that the client has a low-risk lifestyle, such as students, new drivers, experienced drivers and affinity members, just to name a few.

Multiple-Policy Holders

Some providers offer hefty discounts provided you buy your renters, homeowners or life-insurance policy as well. However, make sure that you consider total costs of single-insurer packages and premiums of various providers.

Good Credit Score

Some states let insurance providers use your credit rating to set your premiums. What you need to do is check and fix errors on your credit report. If your rating has been affected by job loss, divorce or any other reason, you may ask your provider for an exception.

Choose Your Car Carefully

For auto insurers, vehicle damage may cost a lot. Therefore, the premiums are set based on the auto model. You may want to ask your provider for estimates on different car models.

So, we suggest that you check out these 8 tips if you are going to buy car insurance and want to save some cash with the purchase. Hopefully, you will be able to save a lot of money.

Limousine Etiquette Tips You Should Follow

Who wouldn’t love to have a limo ride? In fact, riding one is the most fun part of an event. Although the idea is to have fun during the ride, there are some etiquette rules that you should follow. Make sure you treat the driver with respect. Read on to know more.

Count the guests

Make sure you figure out the number of passengers who are going to ride the car, and give this information to the company as well. In case one or two more people choose to join later, let the company know so that they can provide the right vehicle.

Ask the driver to open the door

Although this is obvious, make sure you allow the driver to open the limo door for you. This is important if you want to prevent the last-minute mishaps. You should sit in the empty seat. As soon as you got in, you should look for the right spot for yourself. This will help others get in and opt for their seat.

Don’t Fight

The point of hiring a limo is to party and drink. That’s understood. However, it’s not a good idea to have a lot of alcohol and fight with other passengers. This is plain silly and can be dangerous at times. There is no doubt that it goes against the limo etiquette.

So, it’s better to keep calm and enjoy the ride. After all, you have not paid for the service to fight with your friends.

Know Rules

The majority of car services prohibit smoking inside their vehicles. Therefore, you may want to follow this rule. You should talk to the manager before you choose to have an alcohol during the ride.

It’s not a good idea to abuse the driver no matter what the reason may be. They are doing their job and they should feel secure while doing so.

Don’t Fill The Car with trash

After the ride, you should leave the limo in the same condition you found it. There should be no empty bottles, wrappers or cans. Throwing foods or other stuff at your friends or fellow passengers is not a good idea. Make sure your shoes are not sitting on the seats. Before you leave, don’t forget to collect all your stuff. Some service providers may even charge you if you made a lot of mess inside the car.

Tip the driver

According to general etiquette, it’s good to tip the driver as well. Ideally, it should be 15% of the rental fee. It should be 20% in case the limo has been hired for a special event.

Are you looking to rent a limo for an upcoming party or wedding? We suggest that you follow the tips given in this article. This way you will be able to get the most out of your ride. On the other hand, not following the rules will cost you. Moreover, your ride may get ruined, and you don’t want to do that.

Aftermarket Auto Parts Vs Used OEM Auto Parts Vs Brand New Discounted Parts

Alright! The worst thing has happened to your car and that worn out / damaged part needs a replacement. What is the first thing that comes to your mind?

I am sure it would be, “how do I get a replacement part that fulfills the need at the lowest possible price?” And believe me; most sensible people would think the same way.

Let’s face it; nobody likes to spend big bucks on car repairs and part replacements. In fact, if given a choice, nobody would even want to be in a situation where his/her car needs a repair or a replacement part.

This is basic human nature and we all exhibit it. As far as I am concerned, I would rather spend extra money on a fancy car stereo than go for a costly replacement auto part. I would any day prefer the cheapest possible repair or part replacement that does the job and so would you unless you are a celebrity and money sticks to you like a shadow.

So what are the options you can consider if your vehicle needs a replacement part?

In the current market scenario, we have 3 major options namely:

  • Aftermarket Parts
  • Used OEM Parts
  • Brand New Discounted Parts

Let’s discuss the pros and cons of each so that we can make a decision.

Aftermarket Parts for a vehicle may be defined as auto parts made by a manufacturer other than the original vehicle manufacturer.

But that is not necessarily the correct definition as most vehicle manufacturers do not make all the parts themselves. They may ask a different company to manufacture a certain auto part for them. In that case, the first definition would not hold true.

I believe the following example would make the concept clear.

If you are fitting an Air Filter in your ABC car and that Air Filter is not manufactured, not considered a standard fitment (stock option) and not recommended by the ABC Company, it qualifies as an aftermarket part as far as ABC Company is concerned. In that case, all warranty from ABC Company for your ABC car is void.

That is not the only consequence of fitting aftermarket parts in your vehicle. These parts are not tested for compatibility with all makes and models of cars. As a result, an aftermarket part may not function properly in your car leading to unforeseen problems. For example, an aftermarket Air Filter can harm you car engine if it is not compatible with your car model resulting in low engine-efficiency or perhaps total engine damage.

Aftermarket parts don’t necessarily confirm to laws and regulations for quality and performance. For Example, aftermarket headlights may not confirm to the local regulations in your state or perhaps your aftermarket engine does not meet the emission standards in your state. It is imperative that you ascertain correct details and features of an aftermarket part before you purchase it.

Depending on factors like quality and brand-name, an aftermarket part can cost less, equal or more than a brand new OEM part.

A good quality aftermarket part manufactured by a company specializing in a particular domain qualifies as a performance enhancing auto part and usually costs more than what a brand new normal OEM part would. Unless you are willing to shell out money on car customization, you don’t need to tread that path.

One truth about aftermarket parts holds good even today; “use it at your own peril.”

Used OEM auto parts for a vehicle are manufactured by the same manufacturer that made the vehicle. The only factor being, these parts are not brand new. They have been used before, probably in another vehicle of the same make and somehow found their way to a scrap-yard or salvage-yard.

In this case, a fact that one should consider before purchasing a used auto part is that used parts from a certain ABC car most probably will fit only ABC cars of the same model and year as per company standards. This is because manufacturers might introduce slight changes or enhancements in auto part designs and specifications every year for any particular model.

Since all OEM auto parts from a particular car manufacturer are of the same quality and tested for optimum performance by the manufacturer, you don’t end up making any compromises on this front. Remember, this is not the case with aftermarket parts.

Used auto parts could be your best option in terms of cost-effectiveness and quality provided you select the correct auto part online and buy it from a recognized seller only. The advantage of buying from established sellers is that you get original quality tested parts at low prices and usually with no shipping charges.

The only worrying factor about used auto parts may be about their history. The part could be salvaged from a car that got destroyed in an accident or perhaps from a car that was scrapped after serving a lifetime. Then there are also some used auto parts available that were used by the original manufacturer for testing purposes.

Whatever be the history of the part, you can get a confirmation from the seller over the phone before buying. Major used auto-part dealers exercise quality control by maintaining a log about the condition and history of a particular auto part so that the customer knows about the exact age and origin of the part he/she is buying.

Moreover, vehicle’s manufacturer warranty does not get nullified if you install a used OEM part in your vehicle.

Used auto parts are the most cost effective out of all the three options since they cost just about one-third the price of brand new OEM auto parts.

Brand New Discounted Auto Parts probably don’t need any description. These are brand new auto parts sold at discount prices. Definitely a great option but these are not available everyday and at every store. In fact, they are available occasionally and at the sole discretion of the dealer. If you are lucky enough, you might find the part you need on discount but as is the case usually, the parts that are sold at a discount are the ones that have the least demand. Hence, if you desperately need a brand new replacement part for your car, you might have to wait till it is available at discount prices.

To conclude, you can choose any of these options depending on your need and suitability but please remember that in the case of repairs and part replacements, you should take a step only after weighing the pros and cons of each available option.

Happy Motoring!

James Rodham

www.QualityAutoParts.com

Important Import Auto Repair Tips To Keep In Mind

All over the globe, imported car sales have increased according to various reports. What does this mean to the maintenance of such vehicles?

Purchasing a BMW, a Mercedes-Benz or any other type of imported vehicle can be rather expensive, but completing their respective automobile repairs doesn’t have to be. As long as their owner completes proper maintenance duties then fixing an imported vehicle’s problem won’t be as expensive as some estimates might suggest.

The price tag for imported car repairs can be rather hefty due to a variety of reasons, such as unavailability of certain parts, the world-renowned brand name or even the complexity of the vehicle itself. This is why all owners of car imports should beware of the costly risks associated.

What should be noted, however, is that the price tag, though rather big, is still far less expensive than it was years ago. With the Internet, competing mechanic repair shops and globalization, fixing an imported car has become cheaper than it once was during, let’s say, the 1980s or 1990s.

In order to avoid a shock on your bill after a repair, here are five important import auto repair tips that you should incorporate into your daily lifestyle immediately. If not, you could be spending a large sum of money to drive in style.

Maintenance

All motorists should be maintaining their vehicle, whether it’s a Honda Civic, a Toyota Camry, a BMW 745iL or a new Mercedes-Benz S-Class. Heightened awareness for imported cars is crucial to its longevity and going a little extra for your car will help you save more money and hassle in the end.

This means that you should check your brakes regularly, conduct oil changes frequently and not ignore an ongoing issue with your automobile.

Repair Guides

When it comes to owning an expensive imported vehicle, you should definitely refrain from repairing the matter yourself. Instead, it would be prudent to order an imported automobile repair guide to understand what certain problems could be and then seeking a professional mechanic to remedy the issue. Not only will you be knowledgeable on the subject, you can certainly know if the mechanic is being honest.

Replacement Parts

As noted above, replacing parts of imported cars can be astronomical. However, utilizing the power of the Internet, browsing online auction websites or even rummaging through junk yards can help you find the necessary parts. By working with your mechanic in ordering these replacement parts, you can save yourself a lot of dough in the end.

Service Providers

You wouldn’t want your neighbor to take a look inside your imported car’s engine would you? The same can be applied to obtaining the services of an auto mechanic. After spending a lot of money on your imported vehicle, it would be the best idea to seek out an experienced, trusted and certified auto and tire service provider.

A lot of industry professionals suggest searching for a manufacturer approved service center in your city to offer you excellent import auto repair service and maintenance.

The Unwritten Car Salesman Guide for Green Peas

When you start your new career as a car salesman aka “Green Pea” there is some things that would be helpful to know about selling cars for a living. After you get hired the dealership will have you complete a course in basic car salesman training which is enough to get you started, but not everything you need to become a successful auto sales person. The initial training will help you understand the process of selling cars and why you do what you do and when you do it, but you still have much to learn. A car salesman guide would be beneficial to the new salesman, but these guidelines are often unwritten and not discussed by sales management and staff.

10 Green Pea Tips – Car Salesman Guide

1. Your attitude is everything when you are new to selling cars. Keep your chin up and know that you will make mistakes, just keep moving forward and keep a positive attitude. The key point of this car salesman guide for Green Peas is a positive attitude and why it’s number one in the list.

2. The first 30 days is an unofficial test of the salesman, this is when the new auto salesman will either sink or swim. Not everyone can make the cut (quitting or continuing), but if you understand that the first 30 days is about learning the process and techniques of selling cars you will be ahead of the game.

3. No matter how good you think you are it takes 30 to 90 days to get up to speed. During that time you will not make a fortune and a very important part of the car salesman guide to remember when you start. Commit to at least 90 days before you make any decision whether car sales is for you (it gets easier after 90 days).

4. You are responsible for your own car sales training from now on, you need to observe the other sales people and adjust accordingly. Pay close attention to the top car sales people and learn from them.

5. Some your fellow sales people will feel threatened by new sales people so tread lightly and don’t expect too much help from the other sales people.

6. Product knowledge is important, but learning the dealership’s sales process is more important at this point in time. You can focus on product knowledge once you learn the ropes.

7. Listen closely to your customer because they will tell how to sell them a car. A very common saying and a part of all car sales guides.

8. You don’t need to talk all the time. You should be listening twice as much as you talk.

9. Look your customer in the eye and pay attention to their reactions and body language.

10. Choose you words very carefully, because you can turn off your car buyer with a poor choice of words and they will tell you that they will be back, but they won’t! A lesson you will learn quickly with or without this car salesman guide.

Read over and get familiar with these tips and car salesman guidelines and you will be miles ahead of the other Green Peas. Keep your head in the game and approach your car buyers with enthusiasm, because enthusiasm sells cars. A positive attitude will get you farther in your new car sales career than anything else. One final car salesman guide tip and the most important of all is to never give up. I have seen many promising new car salesmen quit before they gave a career selling cars a chance. There is a fortune to be made as a car salesman, but you need to stick it out through the toughest period which is the first 90 days, after that it gets easier and more lucrative.