Car Servicing and Maintenance: Get The Best Maintenance Services From A Reputed Auto Repair Shop

Cars- A Costly Investment

Buying a car is an investment. Unfortunately, it’s going to cost you a lot of money involving loan payments, registration fee, insurance coverage, maintenance, servicing etc. Vehicle repair and maintenance expenses have now become a part and parcel of life. If you fail to take good care of your car then be prepared for an unexpected breakdown.

Maintenance Schedule- How Important It Is?

Vehicle maintenance and servicing is one of the best ways to keep your car in a flawless condition. Remember, your vehicle needs to undergo a maintenance check up every month. With the right maintenance and servicing it will last for a long time and you will also enjoy a smooth drive.

Most of the manufacturers usually offer free servicing packages to the new car owner for the first three months. So car owners don’t need to spend a single penny in the first three months for servicing. Always listen to the advice of the manufacturers because they can help you keep your car in a great shape.

If you are buying a car for the first time, you should first get some advice from your friends or family on vehicle maintenance. Moreover, you can also ask them to refer a reliable and trustworthy mechanic for repairs. You should never ever take your vehicle for granted. Just like you go for a regular health check up to your doctor your car also needs the same care and maintenance for a safe and smooth drive.

A DIY Approach For Vehicle Maintenance- Is It Right?

Never ever take a DIY approach for vehicle maintenance unless it is a very small problem and you know how to fix it. If you don’t have any knowledge about car problems it’s always advisable to visit a reputed servicing station. Have a look at some of the great tips to keep in mind to take care of your cars in the best way:-

· Regular Car Servicing And Maintenance

It is very important for an owner to follow the servicing schedule properly according to the distance/miles. Mostly, it’s the company who set the schedule for the owners.

· Oil change

Every vehicle owner should go for an oil change once a year. Oil change also depends on the distance travelled/miles. Always listen to your mechanic. With timely oil change you can enjoy a smooth drive.

· Check Fluid Level Of Your Car

Of course, you can check the fluid level of your car on your own. In case, you don’t know how to do it ask your mechanic to help you. Check coolant fluid, brake fluid and transmission fluids which are some of the most important fluids.

Conclusion

Educate yourself about automobile repairs and maintenance. It is a fact that there are good mechanics out there to help you with repairs but there are also bad ones who only want to cheat you. Take some time from your busy schedule to find the best repair shop.

Happy driving!

How to Save on Insurance Costs When Buying a New Car

When you are buying a new car, you want to find ways to save on car insurance. There are many ways you can save on the cost of your insurance when you purchase a new car.

Check the Car Rating

Insurers charge more for cars that have high claims rates regardless of owner driving record. Some charge you less for collision and comprehensive coverage if your car scores well for durability and safety. Check the statistics on the new car you want before you buy.

Raise Your Deductible

If you can afford it, consider raising your deductible. The idea is that you can be prepared to pay for the damages yourself, so the insurance company does not have to in the event of an accident. They like this. So, if you can do it and transfer the risk to yourself, then you might be able to reduce your premiums up to 40%. Then you can take part of those savings and put them into an emergency fund, still coming out on top.

Reduce Old Car Coverage

If you have an old car that you are replacing with the new car, you should reduce the amount of collision coverage you have. The reason for this is that insurance companies will not pay more to fix a car than the car is worth.

So, if you have an older car and the damages are $12,000 but the blue book value of your older car is only $10,000, they will not repair the car and will instead just likely give you the $10,000.

Cars more than five years old, depending on their value, but not be worth the collision and comprehensive insurance coverage. Remember that every year of depreciation diminishes the maximum claim that you are able to make with collision coverage.

Use the Same Company

If you have a car already and you are getting ready to buy a new car, be sure to use the same company to get your policy. Insurance companies will give you discounts if you put more than one car on the same policy. Often you can get upwards of 15% off the policy for doing this. The same is true if you combine your auto insurance with your home insurance.

Avoid Installments

If you can avoid it, do not pay in monthly or quarterly installments. If you can afford it, pay your premium in a lump sum instead. Insurance companies tend to charge extra fees if you pay premiums in monthly or quarterly installments.

Better Credit Score

Insurance costs are tied strongly to your credit history and insurance claims. In many states, your credit score directly impacts the rates you are given. You should review your credit score in-depth to make sure everything is accurate and there are no errors.

If you have bad credit, work hard to systematically bring it back up as you pay bills on time, repair debt, etc… Then go back each time the score improves to ask about lower rates from your insurance company.

Understanding Why Auto Insurance Premiums Are Very Costly

These days, we’re all complaining about the high cost of living. It appears as if anyone who owns and operates an automobile is hit by a good dose of bills that require struggling with: the cost of purchasing the car, fuel costs, maintenance and repair costs – and the super BIG ONE – auto insurance premiums.

If you haven’t yet verbalized it, no doubt the glaring question is underscored in your mind: Why does car (read car, truck, motorcycle, RV and so on) insurance have to be so very, very expensive?!

The answer to anything related to insurance comes from the industry itself and this is no exception.

“Insurance rates differ from person to person and are based on a few factors,” says a noted specialist working in the Tri-State area and employed by an independent agency. “It all boils down to how much of a risk you as a driver may be.”

Eight Factors that May Affect Your Auto Insurance Bill

Some of the things that determine how much you pay for auto insurance are listed below.

• What Type of Vehicle you Drive

There is a clear difference between makes and models of cars in regard to safety. Moreover, higher-end cars attached to a bigger price tag are more attractive to car thieves and are more expensive to replace; they are also more expensive to fix after an accident.

• Your Address

If you live in a place that has a higher crime rate, your premium will reflect the risk of theft. If you locality has proportionately more auto accidents and submitted claims, it will have an effect on your premium as well.

• How You Use Your Car

If you use your car for the commute to and from the workplace or use it for business purposes, you’ll find that you will have a higher premium than those that drive just to go to the grocer or for leisure trips.

• If You Are a Good Driver

If you never have gotten a driving ticket or never been an accident, you will have a lower insurance rate than those who have a less pristine driving record.

• Your Claims Record

If you have previously filed insurance claims, especially if they have resulted in big payouts, your insurance premium will reflect that. But you may also find a rate increase if you have only filed claims in regard to accidents where you are not at fault.

• How Old You Are

Young drivers, especially boys in the teen years, are grouped together as riskier drivers because the statistics say they display poor driving habits and are involved in and cause many more serious accidents than older drivers. To a lesser degree, those sixty-five and older may find their insurance rates up due to age matters that contribute to poorer reflexes, eyesight issues and more.

• Marriage Status

Studies show that husbands and wives are not involved in as many collisions as those who are not married.

• How Your Credit Rates

Though this may not seem fair to some, insurance companies may class you as a driving risk due to your poor credit score.

Speaking to a knowledgeable specialist employed by an independent insurance agency will help you navigate through the web of insurance policies so that you are presented with the most tailored one at the most competitive price.

5 Common DIY Windshield Repair Mistakes

You need to understand the importance of your windshield. Cracked windshields may cause serious safety risks, such as reduced visibility and lower structural integrity. If you want to prevent further damage to your windshield, we suggest that you get it repaired as soon as possible. While fixing the crack, make sure you avoid the following common mistakes. Read on to know more.

Using DIY kits with Zero Experience

DIY kits do work but only when you know how to use them properly. If you think you can use these kits easily, you need to think again. It may be harder than you may think. So, if you have zero experience with this type of job, we suggest that you don’t follow the DIY route.

If done improperly, the repair job may end up damaging the windshield further. As a result, you may have to replace the unit, which will cost you a good deal of money.

Ignoring the Air Bubbles

Most DIY kits come with a special resin to seal the cracked area. Basically, the idea is to ensure that dirt, air, and moisture won’t get into the windshield. When using the resin, make sure you pay attention to the air bubbles in the resin. They may have a negative impact on the entire repair process.

What you need to do is get rid of these bubbles. Professionals make use of special tools in order to remove bubbles.

Using Unaligned Tools

Typically, DIY repair kits feature a suction tool to fill the cracks in your windshield. However, the problem is that most users forget to align the tool due to lack of experience. If you repair the windshield without aligning the tool, you may end up with an ugly looking windshield.

Ignoring the Insurance Policy

Usually, insurance providers cover the replacement or repair of these shields. But the claim is considered invalid when owners try to do the repair themselves. If you end up making the mistakes given above, the insurance won’t cover the repair costs and you will have to pay all the money out of your own pocket.

Waiting too Long

If you wait too long to get your windshield repaired, you will run the risk of damaging it further. Actually, people who follow the DIY route take a lot of time to make the choice. What you should do is address the problem as soon as you detect it. There is no point in waiting for weeks.

Ideally, if you want to prevent the cracks from spreading, we suggest that you fill in the cracks as soon as you can. Actually, the smallest cracks can grow into bigger ones if not treated in a timely fashion.

Long story short, if you have a cracked windshield and have no idea how to fix it, we suggest that you get in touch with an expert. You can also do the repairs yourself provided you know how to do it. After all, you don’t want to end up making some costly mistakes. Hope this helps.

Insurance for the Boat Manufacturer, Dealer, Rental, and Boatyard

Are you a watercraft builder, boat dealer, renter or boat yards or boat repair service? Of course, the main focus of your business is doing business. In order to do that right without the worries of all the associated risks, you need to have the specialized insurance coverage that will protect you from any of the related commercial liability risks.

Below you will find a brief synopsis of each of the different types of insurance as they relate to the specific niche in the industry.

Boat Manufacturers Coverage

The most difficult exposure related to the boat manufacturer is products liability. This insurance in general is written on a claims-made basis and as specialty insurance. Moreover, because of the material used in construction as well as the flammable adhesive agents bonding Due to the varieties of materials utilized and the flammable bonding substances and paint utilized in constructing the boats, insurance companies have deemed property risks as heightened exposures.

Stored boats may also need coverage that includes those sold at the dealership.

Boat Dealers Coverage

Related insurance covers new watercraft as well as second or third-hand boats that the dealer sells. Coverage for boats includes watercraft operated for land use as well as water use. Insurance policies are designed to shield the boat dealer’s stock of boats as well as the associated accessories and supplies that are also sold to the public. Correlated insurance incorporates property and marine coverage and is generally written on an all-risks basis. The boat or watercraft dealers insurance is similar to open automobile lost insurance and garage keepers legal liability insurance coverage.

Boat Rental Coverage

Boat rental businesses rent watercraft based on an hourly or day’s use or as an extended rental for the entire summer season. Because of the water risks and inexperience of the novice operator, the related exposure is on an increased level. So many boat rental commercial establishments are found in resort or hotel areas, confining the rental business to the summer months. But because watercraft and boats need to be maintained, repaired and stored when the season is over, the exposure to physical damages exists throughout the year.

Boatyard/Boat Repair and Servicing Operation Coverage

Boatyards and boat repair and servicing commercial centers repair and service boats they are entrusted with by the customers. These operations haul the boats to the shore side during the fall, store them during the winter and launch them in the spring as well. The associated commercial general liability is similar to that of the car repair shop, plus the risks related to water activities.

The insurance companies view boat storage and moorage perils as heightened exposures.

Auto Body Repair 101

Most cars will need some type of auto body repair in their lifetimes. Whether its from a major collision or just a small dent from every day use, there’s a good chance your vehicle will need to visit the auto body repair shop at least once. If you do experience some damage to your car, it is crucial that you take it to a professional body shop for the repairs. Though most damage is easily visible, in some accidents, it is possible to have damage that is hidden. To get it done correctly and safely, it must be done by a professional.

The first step in the auto body repair process is to take your car in for a consultation. The repair specialist will assess the damage and prepare a detailed estimate. The estimate should be very detailed and list the cost for each part and the amount of labor charged. Original equipment (OEM), used, or after market parts may be used – it is important to know exactly which type of part they are planning to use in your repair. Auto body shops are also accustomed to working with insurance companies – they can handle your claim for you and contact the insurance company when needed.

Sometimes additional repairs are needed after they begin working on your vehicle. This shouldn’t happen often, but it is a possibility, even with a reputable and trusted repair shop. The shop manager should call you and explain in detail why the new repair is needed and why it wasn’t found during the original inspection and estimate. They should also offer to contact your insurance company with this new information and a revised estimate of the cost.

The final step in the auto body repair process is the paint job. A poor paint job will make even good repairs look bad. If you need only small areas painted, the auto body shop will carefully blend the new area with the old paint. Having only a small area painted saves big money, but you must have a professional do the job. Poorly matched paint will not blend with the rest of the car and affect the overall appearance of the vehicle.

Though we don’t usually think of auto body repair as important to the safety of the vehicle as we do when we think of engine repair. However, shoddy repair work can definitely affect the safety of the vehicle. Make sure to have your work done at a professional shop. Getting a referral is the best way to find a good auto body repair shop, but it also helps to look online for reviews and testimonials when selecting a auto body shop to do the repairs on your vehicle. Get the job done right and you’ll have many happy hours and safe hours of driving!

Insurance Claim – What Are They?

Your insurance company provides this application to you so you can apply for benefits on your insurance policy whether it is a life, auto, or health insurance. You must file a claim before any money can be paid to any contracted service like a hospital or repair shop for your car. When you file insurance claims the company, based on their evaluation of the situation, may pay the claim or they may not.

When you take out an insurance policy, you must continue making monthly payments to the insurance company. These are called premiums. Generally, these premiums are used to increase the available assets of the company or to settle another person’s claim. Occasionally an accident will happen that can cause financial damage like a tornado, automobile wreck, or work-related accident. When this happens, the injured policyholder can file an insurance claim to receive money from that company.

When filing an insurance claim you will file it with a local agent that works for the company and they have the responsibility to instigate the specific details of the claim. Then the agent negotiates the payment from the main insurance company. Many times a recognized authority such as a repair shop, building contractor, or medical professional can file the necessary forms with the insurance company directly. If another party has agreed to pay for their mistake out-of-pocket or the damage is minor, the policyholder may not want to file an insurance claim.

Once an insurance claim is filed the insurance company usually has an appraiser or adjustor without bias evaluate the damage and determine if the estimates for repair the policy holder got are realistic. This can help prevent fraud by companies who inflate their estimates so they can get additional compensation. Most insurance companies will accept the appraiser or adjustor’s valuation as the last word. There are some insurance claims may not be paid for many reasons. Some of these reasons can include:

• The claimant’s premiums have not been paid each month and they are behind

• Policy may be inactive

• Another insurance company may have agreed to pay for the damages that were listed in the insurance claim. This happens often in car accidents where one of the parties is held responsible for the accident.

• Failure to not be under the conditions that are covered because most insurance policies specify specific areas that qualify for benefits

• If the damage or accident claim was an unavoidable “Act of God” or caused by carelessness your insurance company has the right to withhold payment.

The only way to apply officially for benefits is to file a claim. Until your insurance company has assessed the claim, it will remain as that and not a payout.

The Importance of Vehicle Safety Inspections After a Collision

Navigating the auto collision repair process can be bewildering and frustrating, especially for car owners who don’t know much about automotive repair. Not only do insurance claims need to be filed and negotiated, but the vehicle’s repairs and overall safety need to be addressed. There are many issues which may influence a car’s safety after it’s been in a collision, and it’s important that these issues not be overlooked during the repair process. To ensure your car’s collision repairs are comprehensive and thorough, it’s a good idea to have a post-repair vehicle safety inspection performed by a professional vehicle safety specialist.

Hidden Collision Damages

When a car is in a collision, the worst damage is often the unseen damage which happens to the car’s frame and internal components. These components are often more difficult – and costly – to fix, and if the insurance company’s repair appraisal is too low, some of these problems may get overlooked. Internal car damage may not be visible, but it can compromise a vehicle’s safety significantly.

Vehicle frame damage is one of the most commonly overlooked collision repair issues, especially when the vehicle was in a moderate to severe accident. A crumpled, bent or fractured frame compromises the strength of the whole vehicle, diminishing the car’s ability to safely withstand a second accident. Similarly, internal components such as frame rails are often damaged during a collision, but may be overlooked during fast, low estimate repairs. To restore the vehicle to its pre-collision safety, these internal damages need to be fixed.

Not All Collision Repair Shops Are Equal

Most collision repair shops offer the same set of services, but the quality and thoroughness of these services can vary widely from shop to shop. Some auto body shops work to complete repairs as quickly and cost-efficiently as possible. While this tends to make car owners and insurance companies happy initially, quick, shoddy repairs can lead to more severe problems down the road – compromised vehicle safety not the least.

Auto body shops which perform thorough, high quality collision repair are more likely to dig below the surface to address damages which might have gone unnoticed. These types of shops can often be distinguished from other, lower quality collision shops by their accreditations. NAPA AutoCare Collision Center, A.A.A. Approved Collision Center and Accredited Better Business Bureau certifications are good indicators that an auto body shop will keep your and your family’s personal safety as their highest priority.

Post-Collision Safety Inspection Checklist

Before taking your car home from the collision repair shop, it’s important to make sure all your vehicle’s key safety features are working properly. Ask your collision repair shop to perform a 15 point vehicle safety inspection which covers the following:

– Fluid levels – need to be topped off and checked for leaks.

– Tire pressure – needs to be equal and at appropriate levels.

– Tire wear condition – excessively or unevenly worn tires are unsafe during inclement weather.

– Suspension – needs to be structurally sound, without any bent, fractured or missing parts.

– Belts – check to make sure these are all still flexible, properly placed and working.

– Engine coolant hoses – need to be secure and leak-free.

– Car battery – check for dirty connection or old battery in need of replacement.

– Windshield wipers – make sure these are not cracked or worn, to ensure good visibility during nighttime and inclement weather.

Auto Body Paintless Dent Repair (PDR)

Your Situation

We have all been there. Miss-judged the size of a parking space and subsequently dented your car, come back from shopping center to find a dent. Or maybe somebody has pulled out on you and dented the side of the vehicle. Whatever the situation, the resulting dents and dings to the bodywork are a pain and they need sorting, quickly. Most importantly, you want them fixed cheaply and without affecting your insurance premium.

Well this is where Auto Body Paintless Dent Repair (PDR) specialists come in with their handy Mobile dent repair services. But what exactly is (PDR)?

Auto Body Paintless Dent Repair (PDR) is essentially the removal of dents from a vehicle body where the paint is not damaged, whoever this type of repair is also a great way to save money even with damaged paintwork. There are several methods, but a popular choice involves the use of special rods and picks. The rods and picks are used to literally massage the dent from inside of the body panel. An alternative PDR method is the application of glue to the outside of the body panel. The glue then allows for the dents to be pulled out. Mobile Auto Body Paintless Dent Removal is always the best value when you consider your alternative.

Can I do it myself?

PDR for short takes many years to perfect and an amateur repair could cause more harm than good to your vehicle. With Auto Body Paintless Dent Repair (PDR) it is important to ensure that the original paint finish is kept in tact and fillers and paint are not required. Therefore the dent technician needs to know exactly what they are doing!

Training can be found in all levels of paintless dent repair from the beginner to the more advanced PDR technician. Great careers can be made all over the nation and around the world and the earning can be great. To find out more about your local Mobile Auto Body Paintless Dent Repair service or PDR Training, just Google the correct keywords and you will be on your way to saving a lot of money by getting shot of those horrible car dents and dings that De-value you vehicle so much. Or better still why not think about training in this sort after car dent repair service and make a long term career for yourself.

So remember… The next time you see nasty looking car dents or dings in you pride and joy, think about calling a Mobile Auto Body Paintless Dent Removal service before claiming on your insurance! Most often, it’s cheaper than paying your insurance excess.

Does Auto Insurance Help If You Are a Victim of a Hit and Run Accident?

Unfortunately, the news about a hit and run is on the radar every so often. A pedestrian or a car driver is hit by a vehicle and the driver responsible for the accident speeds off without owning up to his actions by checking on the victims and providing his or her contact info to police.

What defines a hit and run accident?

A hit and run incident occurs when one driver crashes into a person or a car and intentionally drives on in order to avoid prosecution or accountability for resulting death, injury and/or damages.

Should you become victimized in a hit and run event, never pursue the fleeing car. You might find yourself in a road rage incident or the like. Leave the chasing to the cops who are trained in this type of thing. What you should do immediately following the crash is to alert the law enforcers.

For your best interest sake, gather as much information as you can about the event. This will help police catch the driver who collided into you. It will also add to the chances of your submitted insurance claim be processed to your advantage.

Here is what the insurance underwriters tell victims of hit and run accidents to do.

As said, the more information you gather about the case, the more chances of it ending to your benefit.

Tell authorities about facts by providing the following:

• The make and model of the other car or vehicle

• The license plate number of the other car

• How to get in touch with people who witnessed the accident

• The time and place when and where the accident occurred

• Images taken of your car immediately following the collision. (leftover paint of the other car on your vehicle will assist authorities in locating the other driver and pinning charges as it will help the insurance company determine a good outcome for your claim)

• Physician’s report about any injuries you or your passengers incurred as a result of the accident

If the driver who slammed into you and drove off without accepting liability is caught, you can submit an auto claim directly to his or her insurance company. But, should the other driver happen to be with insufficient insurance coverage or no coverage at all, you might want to resort to an attorney’s services.

Another avenue to pursue is your own insurance coverage. If the hit and run driver does not have proper insurance to cover your losses, you can file a claim with your insurance company. States differ in policy as far as the claims process goes, so you’ll have to do the research. Generally speaking, if you have uninsured motorist bodily injury coverage, you will be covered for medical bills and if you have uninsured motorist property damage insurance, you will be covered for related auto repair work.

Though there are various US states that do not cover you with these forms of insurance, they should cover you if you have personal injury protection coverage as well as medical payments insurance and collision coverage.

Of course, it’s best to speak with a knowledgeable independent insurance agent that has experience in this type of claim, so make sure you hook up with a reliable source!