Tampa Bay Car Accident Statistics – Proof That Everyone Needs Auto Insurance

With the economy falling on hard times, many people are cutting expenditures in any way they can, including skimping on coverage for their car insurance. While it’s understandable that people must do what they can to put food on the table for their families and survive, many are making a horrible mistake – driving without auto insurance.

Florida law states that if you operate a motor vehicle in the state, you must purchase automobile insurance. Florida’s minimum coverage of insurance is $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL).

Driving without auto insurance in the state of Florida is illegal. If you do not purchase auto insurance under the guidelines mentioned above, your drivers’ license can be revoked for up to three years.

If the legal consequences of driving without auto insurance don’t compel you to purchase car insurance, then perhaps these recent car accident statistics, provided by the Florida Department of Highway Safety and Motor Vehicles, will.

In 2010 there were 17,480 traffic accidents in Hillsborough County, which encompasses Tampa, Brandon, Riverview, Valrico, Fishhawk, Ruskin, and Sun City Center. In 2009, in the city of Tampa alone, there were 6,788 car accidents. Alcohol was involved in 7% of them (480).

In 2009, Pinellas County, which encompasses St. Petersburg, Clearwater, Largo, Palm Harbor, and the Gulf Beaches, had 13,669 accidents.

The city of Tampa ranks third in statewide traffic accidents, behind Miami and Jacksonville. This makes car insurance rates in Tampa higher than other cities in Florida. It also puts you at a tremendous risk should you opt to drive without car insurance and then be involved in an accident. The scary thing is – one in seven people throughout the country don’t have car insurance. In some states, it’s even as high as one in four!

If you’re involved in a car accident and do not have auto insurance, the consequences can be devastating physically and financially. You’ll need repairs on your car, or possibly a new one, if your vehicle is beyond repair. You could require medical care to cover injuries. Injuries sustained in car accidents can be soft tissue injuries such as whiplash, to more severe ones such as a concussion or broken bones.

If you’re hit by an uninsured motorist, it can be even worse. Considering auto insurance can be relatively cheap compared to the cost of actually purchasing a vehicle, there’s absolutely no reason anyone should be driving without it. Purchasing auto insurance may seem very precautionary and even unnecessary, but it will save you a lot of pain and suffering later on.

Car Insurance – Cushion Huge Expenses and a Legal Protection

A car has become a basic need of families now-a-days. You can see many small, big, different models and companies cars rushed on the road around all the cities. We all know that a good car comes under a luxury item and no one wants to spend money on this on daily basis. Could you afford to buy a new car because one you had damaged or stolen? Yes answer is most of the people can’t. So there is a solution to protect your favorite and needed car- the car insurance.

What is car insurance?

It is a type of a contract between the car owner and insurance company. In this contract car owner pays the premium and the insurance company pays the losses or theft of car. A car is often a high expense and you want to insulate it. So insure your car and feel safe to roam around!

It repairs all types of damages

The aim of such insurance is to serve the victim. It pays to repair all types of damages such as weather damage, flood damage, fire damage and animal smashups. If your car is wrecked due to any mention damage in insurance papers, company will provide you amount for the relevant damage.

Clinches the peace of mind

Same as its spelling “insurance”- it insures peace of mind to deal with daunted bearings that completely hooked with budgeting. Unforeseen situations can happen anywhere with anyone but this type of investment keep your mind peaceful in such situations. It brings immediate relief from stress and survives in such incidents.

Bear thefts- roaming and parking is comfort

Could you purchase a new car because the one you had is pilfered? It’s difficult to bear a loss of theft of your favorite or luxury car. But you may feel recline from the fear of theft if you have insured your car. The company from where you have purchased insurance compensates you the value of car that was stolen.

Easy to excess

Car insurance is an easy and fast process to protect your car. You can purchase or renewed insurance online that is an easy and fast process. It is accessible by anyone as per the time and convenience.

Premiums and claims

Premiums and claims may different according to company’s policy. It totally depends on which type of policy you want to buy. But it is easy to pay premium because companies will provide you online facility to access all information. If you do not claim during the policy period No claim Bonus will offers you renewable policy in certain terms and conditions.

Car insurance contributes to legal, mental and financial peace which makes driving, buying or owning a car easy. It is a best way to boost broad coverage against debt you might face due to car theft or damage.

Tips on Buying Mexican Car Insurance Before Your Upcoming Trip

If you are planning on visiting Mexico either for a short trip, or an extended stay, and you will be operating a vehicle in this country; then you may want to consider investing in Mexican car insurance. There are different legal systems in place in Mexico, when compared to the United States; and some significant difference in insurance coverage’s that are offered for drivers. When buying a plan for an upcoming trip to Mexico, it is usually best to purchase a short term policy online before entering the country; to avoid any potential issues.

Research Liability Differences- One of the major differences with car insurance in Mexico compared to the United States is the difference in liability issues between the two countries. According to the civil law in Mexico; there is no liability for any type of emotional distress pain or suffering for those who are in an automobile accident. This means that insurance claims only covers property damage and bodily injury; items that are determined strictly and easily based on their actual cash value. This is important information to know, should you ever be in an accident.

Purchase Separate Legal Aid Coverage- When inside Mexico, there is no liability coverage to pay for your legal defense, should you get in an accident and need to go to court. Typically, there is an option to add legal aid coverage to your policy.

Be Aware of Mexican Accident Laws- When deciding whether or not to get Mexican car insurance; remember, if you are in an accident, the country’s law requires your vehicle to be held within the nation’s borders until all damages are paid off. With this in mind, make sure that your policy will cover the cost of bail, or add an additional coverage first.

Buy a Short Term Policy Online- Don’t wait to purchase auto insurance until you arrive in Mexico, you can purchase short term travel policies online before your trip. While you purchase your online policy; make sure you also purchase a car permit.

Collect the Proper Paperwork First- When you enter into the country, you will legally need to have both Mexican car insurance and a car permit for Mexico, especially once outside the ‘border sector’ of the country. When driving in the country, the insurance claim, title holder and driver all must be owned by the same person. In order to obtain a temporary car permit, you will need your drivers license, registration, ID, major credit card and some type of immigration form.

Consider Auto Insurance Through Your Car Rental Company- Many travelers will decide to rent a car in Mexico after they have crossed the border. Your car rental company will likely be able to offer you high quality coverage. However, if you want to get liability coverage, you will have to get this separately from a licensed provider.

Learn the Difference in Deductibles- Deductibles in the United States are different than deductibles in Mexico. Typically with auto insurance in Mexico, there are two different types of deductibles. First there is the physical damage deductible, that is usually about 2% of the value of the vehicle; with a a minimum of $500. There is also theft deductible that is usually 5% of the vehicle’s value with a minimum of $1,000. With the differences in typically deductibles; it is important for drivers to be well informed of what their deductibles will cover.

Look for Medical Evacuation and Plane Tickets Home- If you are worried about a potential accident impacting your trip; consider adding medical evacuation coverage. This will pay for air or land ambulance services. You can also add coverage to cover the cost of your plane tickets to the US or Canada, should an accident render you unable to leave.

Vehicle Repair- As a visitor to the country of Mexico, drivers will want to find out if they are allowed to repair their vehicle in their home country, whether the US or Canada. Otherwise, those who are in accidents may have to get their repairs done in Mexico. Not all insurance companies offer this service, but some who specialize in travel insurance will have this option.

Auto policies differ from country to country; but as a responsible driver, it is always smart to know your coverage options. If you should find yourself in an accident, you can feel confident knowing that your Mexican auto insurance can help keep you covered. Your insurance policy may have a number that you can call,or you can call Mexico’s version of 911 (066) in case of an accident, for assistance.

Choose a Good Auto Repair Shop to Keep Your Car Working Properly

Have you ever been out driving on the road without a care in the world and suddenly your car starts to make a funny noise? While you turn down the radio so you can hear the sound clearly, do you start to think about all of the things that could be wrong with your vehicle? Maybe you start thinking about the last time you took your vehicle in for repairs. No matter what you start to think about during that time, one thing you can’t ignore is the fact that your car needs to go to an auto repair facility.

Instead of taking any chances on the problem getting worse, you need to contact your local auto repair shop and find out when is a good time for you to bring your vehicle in for service. The longer you drive around ignoring the issue, the larger your repair bill will be. If you don’t have a good auto repair facility that you can take your car in too, it is time for you to start looking for one.

Any auto shop that you decide to take your vehicle to needs to be run and managed by state certified mechanics. You do have the option of choosing to have your vehicle serviced at the dealership or at an independent shop. You may want to check around and get some recommendations on where you should go so you don’t end up wasting a ton of time. Some places are pretty fast when it comes to repairing your vehicle and others may be a bit slower. Some places require that you leave your car with them and others will fix it while you wait.

Keep in mind that all auto repair shops aren’t the same. While many of their workers may hold the same credentials, the rate charge for service can differ greatly. Don’t be so quick to go with a facility that charges rock bottom prices, because you may not be happy with the end result. You need to make sure that any parts they are using on your vehicle are new unless you have specified otherwise.

Pay attention to how you are treated when you visit different auto repair facilities. No matter what type of vehicle you have or what type of work needs to be done on your car, you should be treated as if you are the best customer in the world. That means that any questions or concerns you have should be addressed promptly. You should be treated as if your time and patronage are very valuable. If there are going to be any delays or unexpected issues concerning your vehicle’s repairs you should be notified as soon as possible. A good shop is one that communicates with its customers every step of the way and charges them fair and competitive prices. The work they perform should be exceptional quality and they may even offer warranties with their work. The bottom line is you should end up a happy and satisfied customer after having your car worked on.

Tips On How To Save Money On Car Insurance

Some things in life are free. Car insurance is not one of those things, and it can be rather darn expensive. Here are some ideas on how to save money on car insurance.

Depending upon what state you live in, having car insurance may not only be a smart way to protect your car, it may also be the law. Certain states require that drivers carry insurance on their vehicle, and for good reason. Car repairs can be very expensive, and most people do not have a few thousand dollars set aside just in case of an accident.

Since car insurance is something we need to spend to money on, we should try to at least save some money while we’re doing it, right?

Here are a few tips to help you save some money on your car insurance bill.

1. Get quotes from more than 1 company. You are severely limiting the money you might save by signing up with the first company you get a quote from.

2. See if your employer has any special relationships that might entitle you to cheaper insurance. Some companies that are only available to groups have incredibly attractive rates and can save you a lot of money.

3. Some companies offer percentage discounts for a good driving record, good grades in school, and defensive driving courses. A defensive driving course might cost you a few hundred bucks, but it might you save you multiples of that over the next few years. Check with the insurance company to see which programs qualify for this discount.

4. Make sure your motor vehicle record doesn’t have any wrong information. Identity thieves have figured out that it is not too difficult to get their moving violations on someone else’s record.

5. Carrying a higher deductible, for example $1000 instead of $500, can lead to lower rates. If you are not prone to having accidents, a higher deductible might be a good choice for you.

6. If you have a teenage driver, consider having them get their own policy. At least get quotes to compare whether they are adding unnecessary expense to your rates.

7. Move to a rural area. This is probably not a viable option, but car insurance does vary heavily by area and state. More densely populated areas oftentimes have much higher rates than rural areas.

8. If your vehicle is completely paid for, you may only need to carry a minimal amount of insurance. Check with your insurance company and state laws to see if you’re required to carry coverage such as liability, collision, or comprehensive coverage.

9. Some car insurance companies will give a discount if you have an alarm or theft-deterrent device installed. If your car doesn’t have one already, consider getting one.

There you have it. A few free tips on how to save money on your car insurance. Some may work for you and some may not, but you won’t know that you’re getting the best rate unless try to implement some of these tips. Good luck in reducing your car insurance bill!

Totaled Car or Not – 5 Tips so Your Carrier Declares a Total Loss

Your totaled car is sitting in the backyard when you get a

telephone call from your insurance adjuster. They will fix your car! In many

occasions this is good news, but when your car is nearly destroyed, and the

insurance company wants to patch it together and give it back to you, then

you’ve got a problem.

Think about it. The car will never be the same. If you want

to trade it in or sell it, you will probably have to take a substantial

reduction in price to be able to get rid of it. You also need to consider the

safety aspect of the car. Will your car ever be as safe as it was before the

impact?

In most accidents, cars can be fixed with no major

problems, but when you have a totaled car (or you are almost there) and the

insurance company will repair it and return it to you, you can be faced with an

uphill battle.

Insurance adjusters decide if you have a totaled car or a

fixable car. They need to first determine the value of the car and then

determine if the repair estimate is less than 70, 80, or even 90% of the car’s

value. So how do you protect yourself? Here are five simple tips.

Tip # 1: Ask for the repair estimate. Getting the

repair estimate will show you what the insurance company thinks is wrong with

your car. Review the estimate. Make sure the car will be painted and that all

the necessary parts to fix it are accounted for. If you do not know mechanics

that well, take that estimate to another shop and ask them to review it. You

will be surprised when other shops will tell you that your car should not be

repaired.

Tip # 2: Make sure you have the insurance company

account for all the cost associated with fixing the car before they start

working in your car. Have them account for all the parts and the shipping cost.

Make sure that the parts they are buying are actually in inventory. In many

cases, insurance adjusters price a part, but cannot find it. This will make you

wait longer and they would have to pay for more rental.

Tip # 3: Ask for a “tear down” so you know that

there is not a totaled car but a car that can be properly fixed. When insurance

adjusters and body shops write estimates, the do not get under the damaged

parts. They only look and estimate the damage that is visible. A tear down is

the process of taking off all the damage parts and looking to see if the parts

below are also damaged. More often than not, hidden damage will appear, and this

will make the estimate of damages higher and taking you closer to a totaled car.

Insurance companies do not want to pay for this tear down.

But if you insist, they will pay for it. This is a good idea anyway for two

reasons. The tear down will most likely than not increase the repair estimate.

You will also know if the integrity of the frame and chassis were compromised in

the impact.

There is no question that the body shop can put the car

back together. The question is if a fixed totaled car will be safe to be on the

road. Make sure some one looks at the mechanical and structural integrity of the

car.

Tip # 4: Use the rental expense to your advantage.

If your totaled car is going to get repaired, then it is likely that it will

take 20 to 30 days before your vehicle again. That is only counting body work

and paint and that all parts are on hand at the time the mechanics start

working. It will take longer if you have mechanical problems.

The insurance company will be looking at a rental bill that

could be over $1,000, depending on the limits of your policy. We have seen

rental bills of $2,000. If you have a totaled car, then the insurance company

will only have to pay up to three days of rental (sometime less, depending on

your state). They will be saving significantly if they do declare a total loss.

Tip # 5: Research your state law for

diminished or diminution of value claims. If you are making a claim against

your own insurance company, some states will allow you to ask for the difference

between what the car was worth before the accident, and what it worth after it

is repaired. Many states do not allow for first party claims like this one.

However, the restrictions only apply to first party claims. If you are making

this claim against the insurance company of the person that hit you, then the

claim will be allowed. Also, if you are making a uninsured property damage claim

against your own carrier. The claim will be allowed.

Click here for more tips on how to handle a totaled car claim.

Upside Down on Car Loan – Chapter 13 Cram Down Provisions and Chapter 7 Redemption

Clients often find themselves in need of debt relief because of a car loan gone badly.

Modern day society necessitates owning and maintaining an automobile which sometimes evolves into a devastating financial burden. Lenders are quick in financing vehicles knowing borrowers highly prioritize automobile transportation over most other financial obligations. Even borrowers with bad credit are fitted into an automobile financing packages priced at high interest rates to compensate aggressive lenders for the added risk.

Financial difficulty often arises from auto financing. The happy car buyer drives their new vehicle off the lot financed nearly 100%. As the saying goes, almost immediately thereafter, the new vehicle depreciates in value several thousand dollars before it is even hits the highway.

Automobile transportation costs $4,000.00 to $6,000.00 annually including auto loan payments, liability and collision insurance, repairs and maintenance and gasoline.

Havoc begins when an unexpected car repair not covered by warranty, or a motor vehicle accident, unexpectedly and substantially decreases the value of the vehicle far below the outstanding loan balance owed to the bank. Or, perhaps more harmlessly, on a trade- in for a new vehicle where eager car salespersons and lenders agree to take in your old vehicle on trade, and throw the remaining outstanding balance from your old car loan (for a little higher payment) on the back-end of your new auto loan leaving the new car buyer considerably ‘upside-down’ on the new vehicle purchase.

These situations leave the borrower in a predicament where sizable portions of income are devoted towards covering an unsecured auto debt obligation that is of no use towards sustaining modest costs of necessities for family living.

Under certain circumstances relief from these devastating financial predicaments can be obtained through a bankruptcy filing.

CHAPTER 13 CRAM DOWN PROVISIONS

Under Chapter 13 of the United States Bankruptcy Code, Debtors are permitted to ‘Cram Down’ the unsecured portion of their auto loans to the fair market value of the vehicle securing the loan. This requires debtors to pay back only the secured portion of the auto loan, but the unsecured balance is treated as a general unsecured creditors providing substantial benefit for the Debtor, permitting Debtor to only pay a small fraction of the unsecured portion of the auto loan debt that is owed.

As an example, let’s suppose our debtor owns a car worth $10,000.00 and there is an auto loan with a payoff balance of $20,000.00. In this scenario, the loan is only partially secured. The auto lender is secured only to the extent of the value of the vehicle or $10,000.00. The remaining $10,000.00 balance on the loan is unsecured. In this situation the Bankruptcy Code affords the Debtor the right to cut off the unsecured portion of the auto loan and treat that portion of the loan as unsecured. So, if General Unsecured Creditors were only receiving a dividend of 20%, the auto lender would receive only $2,000.00 on its unsecured portion of the auto loan.

These situations become sticky between Debtor and Lender because often disagreements arise as to the correct value of the vehicle. Your bankruptcy attorney will need to negotiate a settlement over the valuation before confirmation of the Debtor’s Chapter 13 plan.

Valuation is guided under provisions of the United States Bankruptcy code, specifically 11 U.S. Code § 506 – Determination of Secured Status.

11 USC §506(a)(2) specifically states:

“If the debtor is an individual in a case under chapter 7 or 13, such value with respect to personal property securing an allowed claim shall be determined based on the replacement value of such property as of the date of the filing of the petition without deduction for costs of sale or marketing. With respect to property acquired for personal, family, or household purposes, replacement value shall mean the price a retail merchant would charge for property of that kind considering the age and condition of the property at the time value is determined” emphasis added

The Cram Down provision under the bankruptcy code also provides for a reduction of the interest rate on the auto loan. Often Debtors find themselves shelling out enormous auto payments used to cover exorbitant interest rates auto lenders often charge to risky borrowers.

An interesting exception was enacted under the 2005 Amendments to the United States Bankruptcy Code prohibiting cram downs where the purchase money auto loan was originated within 910 days (2 ½ years) of the filing date of the Chapter 13 bankruptcy [see 11 U.S.C §1325(a)(9)]. Debtors must consider timing of a Chapter 13 filing if they desire to escape the burden of a burdensome auto loan debt. Bankruptcy rules require car loans taken out within 2 ½ years of the bankruptcy filing must be paid as agreed.

CHAPTER 7 REDEMPTION

Cram downs are not permitted under Chapter 7 bankruptcy (or ‘straight bankruptcy’). But, Chapter 7 debtors are permitted to ‘redeem’ personal property under 11 U.S.C. §722.

11 U.S.C. §722 provides as follows:

“An individual debtor may… redeem tangible personal property intended primarily for personal, family, or household use, from a lien securing a dischargeable consumer debt, if such property is exempted under section 522 of this title or has been abandoned under section 554 of this title, by paying the holder of such lien the amount of the allowed secured claim of such holder that is secured by such lien in full at the time of redemption.” emphasis added

Redemption, however, can be difficult under Chapter 7 because debtors must pay upfront in full a lump sum of cash an amount sufficient to pay the secured portion of the auto loan measured by the fair market value of the vehicle at the time Debtor seeks to redeem the vehicle. Chapter 7 does not permit a restructuring of the loan, but sometimes the auto lender will accept payments over time, but usually within a short term.

CONCLUSION

If your vehicle is worth less than you owe on it, bankruptcy options can be advantageous towards affording you to retain your vehicle and move towards better financial health.

Chapter 13 can reduce or ‘cram down’ your loan balance and interest rates thereby lowering your auto payment making it affordable. Chapter 13 also enables you to restructure past due auto payments and spread them over the term of the Chapter 13 plan so you can afford to catch up the past due payments within your personal financial means.

Chapter 7 bankruptcy does not accommodate restructuring of loan repayments but the §722 redemption provisions allow debtors to purchase their vehicles out of bankruptcy for the fair market value of the vehicle, leaving the unsecured portion of the debt discharged under the Chapter 7 bankruptcy.

Why You Should Look For An ASE Certified Mechanic For Your Next Car Repair

Cars and trucks have gotten much more complex over the years; gone are the days when everyone could work on their cars in their own garage or back yard. Today’s technology in vehicles, from electronics and computer chips to increased fuel efficiency, means that vehicles are sometimes just too complex and time consuming for the average DIYer.

Finding the best mechanics to provide auto repair services is absolutely essential. Keeping your vehicles on the road and not stuck in the shop is extremely important; for many people, their vehicles are their livelihood. In order to get the best auto services, look for an ASE certified mechanic for all of your auto repair and maintenance work.

What Is An ASE Certified Mechanic?

The National Institute for Automotive Service Excellence runs a comprehensive program to certify trained personnel. An ASE certified mechanic must pass a comprehensive exam, have two years of on the job training and work experience, and must pass a refresher exam every five years. Furthermore, the best mechanics can shoot for the Blue Seal of Excellence Recognition program and specialize in key automotive areas, such as automobile, medium/heavy truck, truck equipment, school bus, collision repair, and more.

Why Should You Use An ASE Certified Mechanic?

Certification is an excellent way to vet a potential service provider. A garage that only employs certified personnel is staffed with employees with the proven auto repair knowledge and skills that are vital for working on today’s cars, trucks, and SUVs.

There is nothing worse than having to bring your vehicle back to a garage for repairs if the job wasn’t done right the first time. Certified repair personnel are trained and experienced to be able to diagnose and solve problems the first time.

One of the best reasons to stick with a certified professional for your auto repair and maintenance needs is safety. Having a well running vehicle is important to you and your family’s safety. Breaking down on the road can be a dangerous situation and break downs always seem to occur at the worst place and at the worst time. You can’t prevent 100% of break downs ahead of time, but you can certainly play it safe by having professional perform regular preventative maintenance on your vehicle.

Long Term Benefits Of Quality Car Care

In the end, receiving the best possible car care will keep your vehicle on the road longer and save you money. A vehicle that receives regular maintenance, running at peak performance, will get better gas mileage and cost less in repairs. And ultimately, the more miles you can put on your vehicle, the better value you will get from the down payment and monthly payments. Preventative maintenance and repairs done by a professional ASE certified mechanic are essential to getting the most out of your vehicle.

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.