Insurance – One of Life’s Neccessity

While it’s nice to enjoy the many comforts of life, those comforts come with risks. This is where insurance comes in. To get the most out of your car, home, and ultimately health, you will likely need to invest in protection. This provides individuals and families with peace of mind and protects you and your loved ones from unforeseen events or accidents.

Keep Your Car Covered

Most states have laws that require insurance in order for an individual to operate a vehicle. If you’re pulled over without proof of coverage or you’re involved in an accident, you can be fined or even have your licensed suspended. Not only is it beneficial for the individual to have car insurance, but it is also beneficial to other parties if an accident occurs. The insured party may have more costs or delays in car repairs or medical bill payments and the uninsured party may incur fines and out of pocket costs. This also helps in cases of accidents caused by your surroundings. For example, if your car is covered and the windshield is shattered by a rock, you can call the company and they will supplement the price of the new windshield.

Safeguard Your Home

Whether you have purchased a home or simply rent, gaining insurance is a top priority. There are many unpredictable events that put the valuables inside and outside your home at risk. First and foremost, homeowners should be aware of the potential risks. Whether it’s a natural disaster or a fire, your home is an investment you surely don’t want to watch go away with rain or fire. Keep in mind the valuables you’ve collected over the years and the feelings you have attached to them. Mitigate your stress by having a separate entity directly responsible for the financial repercussions. Accidents happen. For example, a leaky roof caused by the weather, a tree falling on the house from a storm, or the neighbor’s kid breaking a window with their rogue baseball can all wreak havoc. There are also additional special features that can be tacked on to renters and home owners insurance. If you live in a flood prone area, flood insurance can be included in the policy. Hurricane and tornado insurance can also be added for those who live in at risk areas.

Whether young or old, insurance is a necessity of life. Paying monthly bills over the course of the year will protect you and your family from unthinkable incidents. While some see this as a waste of money, ask anyone who has faced a disaster without coverage and you will soon change your mind. Explore your options and don’t be afraid to be picky with your provider. They’re top priority should be getting you what you need.

All You Need to Know About Windshield Replacement

You were happily driving in your vehicle – and suddenly crack! Now you need to have a windshield replacement. Do you know that your windshield is a safety device?

It can save you from wind, debris and rain. More importantly, it can lower the risk of crash injuries. It can even save your life or of any other passenger. In case of an accident, it can protect you from the debris. It also supports the roof of your vehicle.

So much use of such a silly thing!

So if you get a crack in your windshield, you should immediately contact the nearest car servicing center and get it repaired or replaced.

Glass Cleaning and Inspection

To clean your car windshield you should always use cleaners devoid of ammonia. Ammonia-based cleaners are harmful to upholstery materials and dash and window films.

Use microfiber towels or soft pieces of cotton to make the cleaning process smooth. This will leave your windshield beautiful and shiny.

Considerations during auto glass inspection:

  • Check the glass outside as well as inside for cracks and chips.
  • Check if your windshield is badly pitted.
  • Do not forget the edges of the windshield.
  • Make sure the wipers are soft and pliable. They should be able to clear water from the windshield in one motion.

Glass Repair

In today’s age, the technicians can even repair your damaged windshield. Some insurance companies’ cover glass repairs without any deduction because this is much cheaper than glass replacement.

The location and size of the crack will be a determinant factor of whether you should go for glass repair or glass replacement.

If the chip is smaller than a quarter or the crack is only of few inches then it is possible to repair it. But you should take care that glass repair can affect visibility.

Glass Replacement

If you are replacing your windshield then using proper techniques and quality materials is very important for your safety. You should not trust anyone with glass replacement. Go to only well-established businesses in your town.

You must know that windshield replacement can be very costly. It can leave a huge dent in your savings. If you have got insurance cover, then this will be covered under the comprehensive part.

Cost and other Considerations

If you are someone without car insurance, then various factors determine the cost of windshield replacement. It varies according to the car model, car make, location and the type of glass to be used.

The average repair cost in 16 major cities of the US for a Honda Accord will range anywhere from $250 to $300, while in case of BMW XS it can be anywhere between $350 – $450.

In the case of windshield replacement, it would be better if you could spare some more money. This can be a life or death decision for you. A little dent on your saving that can save your life, is worth it.

Why Investing in a Total Car Protection Plan Makes Sense?

While at the time of buying a car, you will sign all papers and documentation, the dealer informs you about the importance of total car protection policy. Chances are that most buyers get to know about this term for the first time, and thus find it difficult to make the choice. No doubt that investing in an extended total vehicle protection plan is a good idea. However, equally important is to understand that you can get much better auto warranty plan from the independent car warranty companies.

When you think of buying an insurance plan, take out time and dwell on if you actually require it. Will not the healthy habits of savings let you see through requirements of life as far as finances are concerned? Certainly, yes, provided you are able to put substantial amount of your income every month or every year for rainy days or future.

However, investing in an auto warranty plan is a source of:

  • A safety net when it comes to dealing with unexpected car repairs and replacement of vehicle components
  • Discipline when it comes to saving funds
  • Peace of mind

All these points stand true even when you are thinking about buying a vehicle protection policy. It makes sense at so many different levels.

Life after the original warranty expires

When you drive home brand new car, you know that it is completely covered by an original warranty. So, you do not worry about the replacements and repair of defective components. However what when the original warranty expires? For example, what if brake system develops some type of a problem.

Obviously, the cost involving a brake system when it runs out of warranty would create a dent in your pocket. Even if you choose a licensed dealer, better be prepared to pay hefty bill just because it is not covered by the warranty. It thus makes sense that you opt for a total car protection plan offered by concordautoprotect.

Protect your hard earned savings

In most cases, it so happens that people save a substantial part of income for some personal reasons. These personal plans might include investment in a house, child’s education, travel and so on. In case you do not choose to invest in an auto warranty policy then you might find yourself in a situation where you have to shell out money for automobile repair cost from your own pocket or savings. Well, the choice is yours!

You will get a choice to make

Yet another reason you should think of buying a total car protection plan is the fact that independent companies such as Concord Auto Protect offers a range of customized plans to choose from. These policies are designed according to the preferences, budget and needs of the individual customer. For example, if you travel a lot then you can ask for 24X7 roadside assistance. Also, you can opt for vehicle protection plan for some components.

Thus, why not overcome this possibility completely by choosing a total car protection plan that can keep you savings intact? All you have to do is spare out a few minutes and browse through the website of Concord Auto Protect. Here, you will find a range of auto warranty plans and policies at rates that will not give you run for money. you can select a policy as per the deductibles and several other financial terms and conditions related to the contract.

In a nutshell, the idea to invest in a total car protection plan makes a lot of sense because it helps you in protecting savings by taking care repair and replacement costs.

5 Reasons Why You Should Have Your Windshield Repaired Immediately

The windshield plays a major role on any automobile; without it, it would definitely be impossible to drive comfortably. This is however a part of your car that is also exposed to lots of factors and it is prone to getting cracked or chipped. You can of course decide to go for complete replacement of the windshield depending on the extent of the damage, but it would be better to consider repairing it as soon as you see cracks and chips instead of waiting for the problem to worsen calling for a replacement. There are so many reasons why immediate repairs are better and they include the following.

1. Repairs attract lower costs

Whether you have auto glass coverage in your auto insurance or not, repairing your windshield is a much better option in terms of cost compared to replacement. It is also a quicker option to get you back on the road in no time at all. Auto repair companies offer mobile services so you they can come where you are to do the repairs within a short period and you are on your way.

2. Immediate repairs save you bigger issues

Ignoring that crack or chip on the windshield can easily lead to total collapse. The cracks keep spreading and eventually the glass will give way, leaving you with no choice but to go for a replacement. It can also pose dangers when you let the cracks stay on for too long since it can collapse and cause physical harm to you and other passengers. The other issue that could arise with such a glass is water seepage into the vehicle, thus causing damages to the interiors. Repairing the glass prevents spreading of the cracks and retains glass strength saving you from the possible effects.

3. They retain windshield strength

The structural integrity is compromised when your windshield is chipped or cracked. Whereas it could have taken a dense object to crack it, remember that even the smallest of objects could worsen the crack as long as it is present. The repairs will greatly improve and retain integrity of the glass. It may actually serve you for a very long time before requiring a replacement.

4. Repairs are important to keep the vehicle sealed

The windshield in its proper state keeps weather elements out and also ensures that temperature controls are effective and efficient. When you have cracks on this glass, then your heater and air conditioner end up being inefficient. Repair works will not only save you from such insufficiency but will also save you from cold air and frosting especially during winter.

5. Repairs are friendlier to the environment

Considering that replacing your windshield means the old one is discarded, you could end up harming the environment. Remember that this glass is made of layers of plastic and glass which can be bad for the environment especially if not recycled. Repairing it prevents it winding up in the landfill making a significant positive impact as far as the environment goes.

9 Things to Consider Before Choosing an Auto Body Shop?

If you have been in a car accident, you may need extensive repairs on your auto. Even if you don’t need a lot of repairs, you will still need to have your car looked at by a professional to make sure that your car is safe to drive.

While most shops can do the mechanical work required to make your car road worthy again, not all auto body shops can repair damage to the body of the car. This may include things like matching the paint in the new parts with the rest of the car, matching the panels and trim, and aligning the car properly. Don’t forget about the fact that the shop will probably also need to restore the electrical wiring and the electronic devices in the car.

There actually is quite a lot to do to repair your vehicle to the way it was before the accident and it takes an experienced group of technicians to do the work.It is very common for cars to need extensive diagnostic services before the repairs can even be done. For example, your car may need to undergo a special computer diagnostic in order to determine how extensive the damage really is and what needs to be repaired.

In order to correctly perform the diagnostics, your car will need to be hooked up to a special machine which will evaluate all of your car’s main systems. This means that a shop will need special diagnostic equipment in order to run the tests. Of course, not all shops will have the necessary equipment.

You may not think that it is necessary to do such testing if the damage in the accident was not that bad. Remember, not all the damage to your vehicle will be immediately apparent! In most cases, you will need to go to an auto body shop in order to get such repairs done.

Your insurance company may give you several shops to choose from, or you may need to find a shop on your own. You may even need to take your car to a special shop to get a repair estimate before getting the repairs done. In order to find a good auto body shop, you may want to check with friends and family. No doubt they have been in an auto accident and have found a good local shop.

You can also look online for a shop. However, before deciding on a particular vendor, you should do a little bit of homework. Here are some things to consider.

  • Is the shop certified?
  • Are the mechanics and other staff members certified in their field of expertise?
  • Are their certificates of qualification displayed in the shop?
  • Does your insurance company work with the shop?
  • Is the shop a member of the Better Business Bureau or other organization?
  • Does the shop offer warranties and money back guarantees?
  • Does the shop use new parts or used parts to repair the damage?
  • Does the shop offer a courtesy van or rental car for your use while they are repairing the damage to your vehicle?
  • Is the shop close to your job or home?

Remember too that you often get what you pay for. Don’t choose a shop simply based on price. Instead, choose a shop that is qualified to do the repairs.

Budget Auto Repair: Should I Buy Used OEM or Aftermarket Parts?

OEM (Original Equipment Manufacturer) parts are factory installed parts. They are the original parts that came with your automobile when it was sent to the dealership to be placed in their new car inventory. One would think you would consider OEM parts to make repairs because they are new, but they are extremely expensive to purchase and depending on the age of your vehicle or the impact of the repair cost on your budget these parts may not be easy to come by or the most efficient choice. As your vehicle ages, automobile manufacturers are introducing new automobile models to the marketplace and may discontinue this option leaving you no choice but to find an alternative. Locating that alternative is easier than you think. Let’s take a look at an outstanding, favorable budget solution to fix your car or truck with a used part.

Used OEM parts can be an excellent choice in locating the best part selection for your automobile repair while securing the ideal budget friendly option. Used OEM auto parts are parts that are pulled from autos in which circumstances led for them to be submitted for salvage or recycling. Many salvage car parts have an extremely viable and productive life left and are readily available to be installed in your car. In general, because the part is a manufactured clone, the guarantee that it will be an exact match and the ideal fit leaves little room for error making for a smooth transition when making your repair. Used OEM auto parts are easily located for purchase online and many retailers have extensive inventory management systems like those incorporated by AutoPartSearch.com, an online recycled part marketplace. These retailers are able to will find your exact parts quickly and ship them promptly to your door. The cost associated with repairing or replacing non-functioning parts with a high-quality used OEM part can be 50% to 70% less than the purchase of new OEM parts. Used OEM parts are the right choice if you are looking for substantial savings on the cost of your repair and keeping manufacturer specifications intact in your automobile. Many salvage yards extend 30 to 90-day warranties on used OEM parts so the consumer is easily able to return or exchange a part if it does not meet their expectations. Concerns about the efficiency of the used OEM part is alleviated so that the customer can feel confident in what they are buying.

Purchasing used OEM parts for reuse is also an important way to contribute to environmental conservation and rehabilitation. The predominant goal of the Auto Salvage Industry is to recognize, treat and dispose of automotive waste and byproducts by encouraging the reuse of operable automotive parts, maintaining proper disposal of toxic fluids and eliminating waste piling up in landfills and decreasing air and water contaminants. According to the online article “Why Use Recycled Parts”, Automotive Recyclers Association, “Approximately 86 percent of a vehicle’s material content is recycled, reused or used for energy recovery.” The scrapping of steel reduces the need to acquire new iron ore and largely decreases the associated air and water pollutants born from the refinement of it in the automotive manufacturing industry. The consumer plays an extremely valuable part in this conservation effort when selecting and installing used OEM parts. Keeping the planet green for future generations to enjoy is a collaborative effort and both the automotive industry and the consumer can work together to take beneficial steps to accomplish this goal. Recycled OEM auto parts are a fine alternative for making factory specific repairs, however, when making custom or creative modifications on an automobile many customers may turn to Aftermarket Parts to fill the void.

Aftermarket Parts are made by outside manufacturers to be similar to the original part. This type of part seems to be the “middle of the road” option for most consumers and can be obtained easily for both new and used vehicles. They are fresh out of the box, but careful research may be needed when considering buying from an unfamiliar or unproven brand. In some cases, the Aftermarket part can be less expensive or will be sold at top dollar prices. They may feature specific refinements that may be put into place to allow it to perform better than the original, making them an attractive buy. Aftermarket choices can provide extremely positive results or a depressingly negative outcome for the consumer. The difference between the two seems to be in the quality of the part sold and paying particularly close attention to the quality evaluation and fit specifications of these parts. Aftermarket Parts are generally more expensive than used OEM but less expensive than new OEM parts. There are plenty of choices of manufacturers in the Aftermarket parts industry but not all are reliable sources and offer less or no warranty protection, unlike their counterparts. This can leave the customer holding onto a part that will not fit with no prospect of getting their money back. Aftermarket parts are popular when doing modifications that were not a part of the original manufacturer design, so if creative or advanced performance options are desired they may be the only option to perform these changes.

The automotive parts industry is diverse and the options for parts with which to make your repair seem to lie solely on what factors are important to you or are necessary to achieve the desired outcome. If budget repair is your top priority you would be well urged to buy high quality used OEM parts and take advantage of the associated warranties which make them an extremely attractive buy and contributes to the health of the environment. If this option fails to secure your desired result, the pursuit of Aftermarket parts may be the next best avenue for making repairs or replacements.

Tips on Buying Car Insurance

Auto insurers underwrite policies to evaluate the risk given to each insurance applicant. During this process, a person is grouped into a category, such as a high-risk driver, low risk, teenage or elderly. If this risk associated with the applicant is considered too high, the application could be denied coverage altogether. After the results are calculated, the insurance carrier then gives a price, which is based on the perceived risk that driver poses.

1. This is also known as rating the driver

Insurers use this rating as a way to measure what it costs to insure a particular person if a claim is made and how likely claims would occur again in the future. This is often referred to as financial responsibility that an insurer takes on. The tip is to maintain a safe driving record and avoid traffic accidents and you will go a long ways towards getting cheaper car insurance.

2. Not all Insurance Companies Rate Drivers the Same

Many providers use the same general metrics but their algorithms that ultimately determine rates are quite distinct. One of the biggest factors that all insurers use in calculating premiums is the frequency of accidents. When a person files a claim, the insurance kicks in and accidents can cost many thousands of dollars, especially if there is a death involved. The more claims a person files, the riskier he or she is in the eyes of the carrier and more likely to file a future claim. Thus, higher rates are imposed on these at-risk motorist. To keep rates low, avoid incidents and filing claims and you will save a lot of money on auto insurance. If you have had accidents in the past don’t worry.

3. Main Contributing Factors that Affect Auto Insurance Rates

*Driving Record: Auto Insurers will take a close look at how many citations and accidents you have been involved in.

Keep up a good driving record and watch your rates go down.

*The Location you live: If you live in the city, you can expect to pay more than if you live in a rural location with much less traffic.

* The Car you Drive: This is a very large factor that makes up rates. New and expensive luxury or sports cars have some of the highest insurance rates. On the other hand, used cars that are safe and cheap to repair have some of the lowest coverage costs. Get a boring used car and save on coverage.

* Marriage Status: Married people pay less for car ins because they are considered more responsible.

* Your Age: Drivers that are under 25 can expect to pay about double for auto ins. The sweet sport for the lowest rates is between 32 and 62 years of age.

4. Apply for all the Discounts you can

A great and smart way to save on vehicle insurance is to apply for several discounts. If you have more than one automobile, consider getting a bundled or multi-vehicle discount. You can also take a safe driver course and save about 5%. Other popular discounts are good student, military, and even teacher.

5. Shop Direct on the Web for the Cheapest Rates

The internet has literally taken over the world. It has also saved millions of people money on car insurance. Buying car insurance online is smart because you can find direct rate pricing that most brokers can’t match.

What Types of Insurance Coverage for the Ice Cream Truck Business?

Ah, the wonderful sounds of summer: the joyful chirping of birds, the slap of the seashore, the laughter of children frolicking outdoors – and the chiming tunes notifying neighborhood kids of all ages that the ice cream truck has arrived.

Ironically, that happy sound of music announcing the ice cream truck brings untold sadness to some. For the mothers, fathers and siblings of those kids killed in a related accident, the sound will never be reconciled with.

Although accidents can occur and associated insurance coverage can come with financial shielding, the dangers associated with this type of mobile frozen confection store and excited children looking forward to a favorite treat need careful consideration. There are things that parents, caregivers and ice cream truck operators can do to mitigate the risks of fatalities and serious injury. These include installing more mirrors on the vehicle and a safety bar to block children from getting in the blind spot’s way, as well as other safety mechanisms.

As far as the insurance companies are concerned, any equipment installed to prevent accidents may result in some form of discount on a commercial auto premium. It can also make rates lower on an already-discounted insurance package that combines commercial auto insurance with a business owners policy.

For reading convenience, we’ve listed the various forms of coverage related to this business below.

Special Commercial Auto Insurance for the Ice Cream Truck Business

• Commercial Auto Liability Coverage

Every US state requires commercial auto liability coverage to protect businesses from bodily injury liability when an accident occurs. This coverage also protects from property damage liability when the other car is damaged or when buildings or other property is damaged.

• Collision Coverage

If the driver of an ice cream truck caused an accident resulting in damage to his or her own truck, this insurance will help with the costs of repair or the costs to replace the truck if repair work is not an option.

• Medical Payments Coverage

This insurance will help pay for medical costs if the truck driver or passenger is hurt in accident.

• Uninsured/Underinsured Motorist Coverage

Uninsured or Underinsured Motorist coverage can help pay for damages incurred to the truck by another driver if he or she is either uninsured or underinsured and cannot fit the repair or replacement bill entirely.

For further information on insurance – commercial auto or business – speak to a professional independent agency that has its customers’ interests at the forefront.

Auto Insurance Primer

What is auto insurance? Auto insurance (or car insurance, motor insurance) is insurance consumers can purchase for cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred. By buying auto insurance, depending on the type of coverage purchased, the consumer may be protected against:

* The cost of repairing the vehicle following an accident

* The cost of purchasing a new vehicle if it is stolen or damaged beyond economic repair

* Legal liability claims against the driver or owner of the vehicle following the vehicle causing damage or injury to a third party.

Liability insurance covers only the last point, while comprehensive insurance covers all three. Even comprehensive insurance, however, doesn’t fully cover the risk associated with buying a new car. Due to the sharp decline in value immediately following purchase, there is generally a period in which the remaining car payments exceed the compensation the insurer will pay for a “totaled” (destroyed, or written-off) vehicle. So-called GAP insurance was established in the early 1980’s to provide protection to consumers based upon buying and market trends. The escalating price of cars, extended term auto loans, and the increasing popularity of leasing gave birth to GAP protection. GAP waivers provide protection for consumers when a “gap” exists between the actual value of their vehicle and the amount of money owed to the bank or leasing company. In some countries including New Zealand and Australia market structures mean that people are more likely to buy a nearly new car than a new car so this is less of a problem.

In the United States, liability insurance covers claims against the policy holder and generally, any other operator of the insured’s vehicle, provided they do not live at the same address as the policy holder and are not specifically excluded on the policy. In the case of those living at the same address, they must specifically be covered on the policy. Thus it is necessary for example, when a family member comes of driving age they must be added on to the policy. Liability insurance generally does not protect the policy holder if they operate any vehicles other than their own. When you drive a vehicle owned by another party, you are covered under that party’s policy. Non-owners policies may be offered that would cover an insured on any vehicle they drive. This coverage is available only to those who do not own their own vehicle.

Generally, liability coverage does extend when you rent a car. However, in most cases only liability applies. Any additional coverage, such as comprehensive policies, i.e. “full coverage” may not apply. Full coverage premiums are based on, among other factors, the value of the insured’s vehicle. This coverage may not apply to rental cars because the insurance company does not want to assume responsibility for a claim greater than the value of the insured’s vehicle, assuming that a rental car may be worth more than the insured’s vehicle. Some states, such as Minnesota, may require that it extend to rental cars. Most rental car companies offer insurance to cover damage to the rental vehicle. In some regions, the costs associated with not having access to the vehicle (“Loss of Use”) is also covered.

Windshield Replacement – Cost Factors

Windshield replacement can be expensive, especially if your insurance company will not pay for it. Replacing your windshield is usually covered if you have comprehensive coverage, which is other than collision, on your policy. It is best to check with your insurance company first before setting up an appointment to have it replaced. If you do have to pay for the cost of windshield replacement there are several factors involved in the final cost, which could cost over two hundred dollars. When you take your car in to have the windshield replaced, the company will first decide if it can be repaired instead of replaced. Not every cracked or chipped windshield will require replacement.

Some of the factors that are considered in the cost of windshield replacement can include:

• Size of the windshield

• Insurance coverage, because most insurance policies have a deductible that the customer has to pay before the insurance will pay, which can range from two hundred fifty dollar and more

• Additional parts that need replaced such as the rubber mounting that goes around the windshield

• The auto glass repair shop, which includes the hourly rate of doing the replacement. If you choose to go to a dealership to have the work done it will be more expansive than a regular auto glass repair ship.

• Towing to the repair shop if the windshield is so damaged it is unsafe to drive the vehicle

One of the most important factors that need to be considered is the type of glass that is used for the windshield replacement. The most expensive glass that can be used in windshield replacement is dealer glass, which is the type of glass that was used for the windshield when it was built. There are other comparable types of windshield glass such as original equipment manufacturer (OEM). This type of glass has to meet or exceed the vehicle manufacturer’s standards but is generally not as costly as dealer glass. The only real differences between the two are the maker, the fact that the OEM glass does not have the manufacturer’s name stamped on the glass, and the price.

There is another choice for windshield replacement glass that does not meet the same standards as OEM windshield glass but it is cheaper. This glass is called aftermarket glass. Other than the more expensive dealer glass, OEM tends to be most popular choice.

In today’s world, you may be able to save the cost of having your car towed to the auto glass repair shop by having a mobile unit come to your home to replace your windshield. The replacement does not take long but it needs a couple of hours to set up before you can drive the vehicle.