5 Tips For Efficient Driving Car

Having a private car does not always make profits for its users. How can that be? Yes if you do not know about your vehicle is. Therefore, the opportunity this time you will be presented with tips that must be very useful on how to drive a car with a frugal:

1. Buy a car whose company provides long-term warranty. Each item / any inanimate object must have a sophisticated security itself. There was a time the goods you buy that function will be reduced. Choosing a car that offers long-lasting guarantees is a wise decision.

2. When you want to buy a car, utility vehicle was purchased. As good as any vehicle that you have, but if it was just to show off to the boyfriend, work friends, or even a large family, you will experience difficulties themselves. Prioritizing the use of all because it is related to your needs to the vehicle.

3. Always buy a car that you can bear. Having a private vehicle that does not mean you'll spend less and less. Not necessarily because you have to set aside money to buy gasoline, vehicle insurance, and maintenance costs. If you do not notice it then occurred to him that you will experience a loss that may not be small in number.

4. Your vehicle insurance. Appropriate insurance and funds in accordance with the power you have is an advantage. Choose the insurance companies that provide more facilities in the lawyer-cover of your vehicle.

5. Purchase original spare parts at authorized dealers in your city. Although initially expensive, but by purchasing the official auto parts you actually have to save more money. Better quality than you have in the stores unofficial help you to not constantly changing your auto parts.
What can be taken from the tips outlined above this? That there are ways to save our vehicle. Congratulations to apply these tips in your life.

How to save money on your auto insurance

Car insurances prices are increasing on the back of the credit crunch and are hitting drivers hard at a time when many can’t afford the extra expense. Unfortunately, more and more people are simply not getting auto insurance. This is foolish, and can result in financial ruin if an accident occurs.

However, there are ten simple ways to reduce the price of your auto insurance which moneysupermarket.com have come up with based on their vast experience with car insurance firms:

1. Work on a having a good driving history-Insurance companies are taking a risk on your driving habits. As such, if you have a good driving track record, then chances of you getting in a road accident (and ergo chances of the insurance company needing to make a payout) are slim. So, the better you drive the cheaper your insurance.
2. Cut down your mileage- Reducing the number of miles you travel will also reduce the price of your insurance. However, don’t go over the mileage you state as this will render your policy void if you have an accident after you pass the limit.
3. Know your credit score- Your credit score is one of the things an insurer takes into consideration when figuring out the auto insurance quote to give you. If your credit score is bad, this means your finances are not good, which means you’re a big risk for the insurance company, which in turn means you get a high car insurance rate. What a lot of people don’t realize is that there are often mistakes in one’s credit score! The best thing to do here is for you to know your credit score NOW and fix any erroneous entries by getting in touch with credit report companies to get these mistakes out and thus improve your credit score. In the end, a good credit score means cheaper insurance.
4. buy online- most auto insurance firms offer cheaper deals online than they in store or over the phone due to reduced admin costs.
5. Shop around- It’s easy to simply accept an offer from your current insurer. However, moneysupermarket.com believes that shopping around and getting quotes from different insurers can save the average driver $326 a year.
6. Read online reviews- The only danger with shopping around is that you don’t know what the customer service will be like from the new insurer. Therefore try visiting AutoInsuranceReviewer.com (AIR). AIR is third-party site where thousands of people just like you sign up and post their own personal reviews of car insurance providers they’ve dealt with.
7. Haggle for a deal- Nowadays, there are plenty of discounts that can be had on car insurance but they won’t simply be given to you. So go ahead and ask! More often than not if you inform them that you have been offered cheaper elsewhere but would prefer the level of service offer by them, they will lower their prices.
8. Take higher deductibles- If you can afford it, opt to pay a higher deductible (the amount you need to pay the auto insurance company before they pay any claims) than normal. It may be steep at the start but this means paying lower monthly premiums too, which in the long run means more savings for you. However, it is a risk as it will mean you are more at risk if you do have an accident.
9. Park safely- Where you car is parked during the day and at night will influence the amount you pay, and if your insurers are told your car is parked on a driveway or in a garage, they are inclined to reduce the price of your policy. However, if your car is damaged when parked on the road outside your house when you have stated on your policy that you park in a garage, expect to have problems when making a claim.
10. Fit an alarm- Fitting an approved alarm and/or immobiliser is another great way of reducing your insurance price as it reduces the chance of your car being stolen.

Tips to reduce the interest rate of a car loan

Auto loans involve payments of interest rates. The interest rate is based on several factors such as the credit score, down payment, and the type of vehicle you buy. Higher interests are placed on loans by bad credit holders since lender view them as high-risk customers. In case your present car financing involves higher interests, you can reduce them using the tips below.

Review the terms and conditions included in your present loan contract. Determine whether there are penalties for prepayments mentioned in the agreement or not. In case there is, try to determine how much it would cost in the event that you pay the loan off early.

Most lenders charge percentage fees based on the amount you currently owe them. For example, the remaining amount of loan left unpaid is about $5,000 and the penalty for prepayment is 1%, you need to pay the $5,000 and the $50 for the penalty. This brings your payoff amount to $5,050.

Look for refinancing loans that could reduce your monthly payments and the interest rate. Knowing the prepayment penalty and the amount still unpaid from the current lender allows you to compare this with the payments involved in the new loan.

Comparing the rates involved in your current financing or car repair loans and the possible refinancing allows the selection of better loan terms. You can use online calculators to determine the payments you need to pay for the first and the second loan. Add up the prepayment penalty into the first loan and determine which of the two allows you to save money.

After comparing both loans, accept the best offer. Do not hesitate to switch lenders when refinancing brings you more savings. Apply for refinancing and as soon as it gets approved, allow the second lender to pay your current loan off. The second lender can also issue a check which you could use to close the previous loan.

By the time the first loan is paid off, you need to pay the monthly payments to the second lender. You also need to inform the auto insurer that handles the car about the present lien holder.
(ArticlesBase SC #3363203)

What You Need To Know About Automobile Accident Insurance Calculators

Considering that, as a matter of policy, automobile insurance companies do not reveal the methods and factors they use to calculate rates for auto insurance, an automobile accident insurance calculator is just a little bit illusory.

An auto accident insurance calculator is comprised of many factors that have to do with both the vehicle and the driver. Which factors and what weight they carry may vary quite a bit depending on the automobile insurance company.

Car insurance rating groups are a particularly important factor used to calculate insurance rates. Insurance rating groups determine to what extent the level of risk to insure members of a particular group deviates from a norm.



You're A 'Joiner' Whether You Think You Are Or Not

An insurance calculator would calculate higher rates for those with higher levels of risk and lower rates for those with lower levels.

Insurance rating groups might be categorized by age group, gender, credit scores, location of residence, and other factors, or a combination of several. Based on insurance rating groups, an automobile insurance company might be able to project the chances of a policyholder being in an automobile accident or of their putting their vehicle at risk in other ways; where they park, for instance.

When you apply for auto insurance, you are essentially applying for membership in a club, one of many insurance rating groups. You can't do anything about joining some of those clubs--the Young Males' Club or the Under-25 Club, for instance--but you can do something about being in the Good Drivers' Club, The I-Pay-My-Bills-On-Time Club, The My-Car-Gets-Parked-In-A-Garage Club, and others.

An insurance 'calculator' looks to see if your 'membership dues' are paid up in full, then determines your insurance rates accordingly.

When leasing a car is better than buying

I would like to start this article with a famous quote from oil baron Paul Getty "if it appreciates, buy it. If it depreciates, lease it". Many would say that is money management 101 or simply think it is common sense. So why buy a new car when you can lease it.

Mr. Getty's saying is a perfect fit for fleet managers and business owners alike who are building or renewing their fleets. In this article I'll point out key benefits to why leasing can be a real money saver from a business perspective.

When you buy a new car, be it privately or for a business, the minute you drive it off the forecourt it starts to depreciate, in other words you are loosing money the moment you drive your new car out of the garage you bought it from. This brings another subject into play, car depreciation, but that is content for another article.

Even though I won't discuss car depreciation in detail here, that is something you have to take for granted when leasing or contract hiring a car or a whole fleet. I recommend German cars as they depreciate far less than other brands. More on this later.

First of all let us understand the concepts of car leasing. The concepts of leasing a car are fairly simply, yet many business owners and fleet managers are often sceptical about it. First of all car leasing is not renting as many people mistakenly believe.

That said, leasing is a financial method, similar to a loan. When you lease a car you will be paying a set amount a month to purchase a new vehicle, but this vehicle won't be yours. At this point you might be asking yourself, what is the point in all this, paying for something that won't be mine?

If you asked yourself this question, I have to agree with you to a certain extent, but there other benefits that make car leasing more attractive than buying a new car. First, monthly payments are on average 30% to 60% cheaper than the ordinary car loan and there isn't the need for a huge upfront deposit. In general the majority of car leasing companies will only ask for a deposit of 3 monthly payments.

Second, you can renew your fleet every 2 to 4 years depending on your leasing contract. Not to mention that road taxes are usually included in the lease price and as they are brand new vehicles, warranty covers most of the maintenance costs.

Third, as afore mentioned maintenance costs are little to none specially because when you lease you will always have new car in hand and you do not need to worry about it breaking down unless it is a manufacturers problem. In those cases maintenance is also free of charge.

Fourth, no used car hassles, Lease and eliminate the headaches of trying to sell used cars. With leasing you simply return it to the leasing company and choose a new one. Imagine renewing your whole fleet of vehicles by simply ringing your leasing company and scheduling it, no hassles, no time off work hopping from dealer to dealer after the best deals.

As you can see there are countless benefits that make car leasing better than buying from a business standpoint. A recent study revealed that 20% to 25% of all new cars, trucks, SUVs, and vans are leased. In the premium segment numbers are even higher, approximately 75% of luxury cars purchased in the UK are leased.

Determining the lease price of a car

To determine the lease price of a given car, a series of factors are to be considered. First we have the initial purchase price, it is brand new, millage and condition are disregarded, if it is a used car these three factors are brought into the equation.

But the two most important factors that will influence your monthly payments are residual value and depreciation. Residual value is an estimate of the value a given vehicle will have when it reaches the end of the lease.

As afore mentioned depreciation has a great influence in the final price of your monthly payments. In short, it refers to the reduction in the car's value caused by age. Brand and model are closely related to depreciation, as some brand depreciate less than others.

Reason why I recommend German cars is their depreciation factor is way better than other brands like some Asian brands like KIA and Hyundai. For instance, you can lease an Audi for less than £240 a month, way less than what you will pay a loan on the same car.
(ArticlesBase SC #3108552)

Top 5 ways to modify your car

Having bought your new (or not so new) car, it's time to start thinking about adding a few modifications. I've put together a list of my favourite car modifications to give you a bit of inspiration.

1.

Window Tint

Now I'm not just putting window tint at the top of the list because we're the leading UK's supplier of pre cut car window tint kits (end shameless plug), I do truly believe that it is one of the cheapest and best ways to completely transform your car. Window tint looks good on any car, from a Fiesta to a Ferrari, and you can buy DIY tint kits for around £30. Make your car really stand out by going for a siver mirrored or coloured tint like the blue tint below.



2.

Alloy wheels

Have you ever seen a decent modified car running on standard steel wheels? No, me neither, and that's why I've put alloy wheels 2nd in our list. You're going to have to cut down on treats for the girlfriend for a few months though as alloy wheels (and the tyres you'll need on them) don't come cheap. Expect to pay anywhere from around £300 for a basic set with tyress. If you can't quite afford that, car wheel trims are a decent alternative and only a fraction of the price.



3.

Exhaust

You've got your car looking all nice, but you can't have it sounding like a shopping trolley. So next on our list of top modifications is a new exhaust. These range from just a back-box to give your car a bit of a growl, to a complete exhaust system to increase performance and give your car that sporty sound. Prices for exhaust back-boxes start at around £50.



4.

Lexus lights

It seemed at one point a few years ago, that every other car you passed had a set of Lexus lights fitted, looking pretty tacky in some cases to be fair. Together with other modifications I think they can definitely look nice, I personally prefer the Lexus lights with a darker backing (see image below) rather than the silver backed lights with looked a bit stuck on. Something else you could try if you don't want to fork out on a new set of lights is some tail light tinting spray; you'll definitely get a more unique look.



5.

Painted brake callipers

I drive a Skoda Octavia VRS, and one of the things I still like most about it is its green brake callipers (sad I know). This will only work if you've got a set of wide spoke alloys, but it will give your car that definite sporty look. Brake calliper paint is available as either a spray can or a pot of paint. You'll probably need to take your wheels off to apply it.


(ArticlesBase SC #3111715)

Get free online car insurance quotes to save money

If you have a car, then you should insure it to protect yourself from damages that might be caused as a result of an accident. You can buy car insurance from various sources. For buying a good policy, it’s important that you gather and compare quotes.

Previously, if you wanted to receive a car insurance quote, you had to talk to an insurance agent and provide details about you and your vehicle. He would subsequently carry out a number of formalities and return to you with a quote after many days. Comparison shopping was a term that was typically uncommon. You had to visit many insurers to find the right policy for your needs. Now you don’t have to do it. Obtaining free insurance quotes online helps you save money and choose the most suitable policy.

How can you get free car insurance quotes online?

Given below are two principal techniques that you can follow to receive free auto insurance quotes from the Internet:
You can visit the websites of auto insurers and complete the online quote form with similar details
You can visit the website of a quote aggregator such as Cheapcarinsurance.com for collecting many quotes simultaneously

The first option would take more time and you wouldn’t always get the most affordable rate by visiting the website of an insurer. Using the second option is certainly more beneficial for you. You might be eligible for attractive discounts if you get quotes from an aggregator website.

Managing your information When you’re receiving quotes from different insurers, it might be hard to remember what you prefer about every insurer. You can prepare a basic spreadsheet and include names of the insurers you’re thinking about working with. You should subsequently make columns for comparing various elements such as:

1. The amount of collision or comprehensive coverage
2. Overall cost of the policy
3. Benefits and discounts
4. Additional coverage such as emergency roadside assistance. This would definitely help you find out the choicest auto insurer.

Why should you shop around for free auto insurance quotes?

1. Shopping for free car insurance quotes gives you the following benefits:
2. You can find out what a particular insurer is offering that others aren’t
3. The coverage and rates of various insurers can be compared
4. There are various outstanding discounts such as responsible driver or good student discounts from the reputed car insurers all over the country
5. You can save a lot of money

Auto insurance is an industry which is full of competition and every company is vying to get your business. Shopping around carefully for your quotes would help you get the right policy and save money.

Altima body kits - drive in style

The family has been an important part of most person's lives. It has the closest bonds and often you share your greatest joys with the family. Yet it is perhaps that the family is all too important and one is so safe and careful about the family that products which are said to be great for a family to own, sound a bit dull. Just as a family car is not likely to send your pulse racing as a sporty coupe might.

On the other hand the family is a great source of strength and there is no reason why it cannot be associated with cutting edge exciting products. And if you take a great family car such as a Nissan Altima you can give it cutting edge exciting looks with the help of Altima body kits.

The latest Altima body kits will set your pulse racing and when you have installed them you will make the onlookers stop and stare at your car to their heart's content. Such is the dramatic effect of quality Altima body kits. Of course you have a wide range of options to choose from therefore it is not like buying the stock car where you have very limited choice of color and style.

You can choose the material of the body kits, the style, the color and the components you wish to install. Such a wide choice means it is unlikely two people will do up their Altima car's in exactly the same way and each Altima car done up with Altima body kits will look unique and personalized. And since Altima is a family car you can take advantage of the large number of choices to be made and let the various family all give inputs. One person can choose the material, another the style a third the color and so on. The final result will be a genuine team effort and the car will be a family car in more ways than one.


You can choose the body kits conveniently by going online and when you have bought them make sure they are installed by a professional. You can see the latest Altima body kits at www.bodykits4me.com
(ArticlesBase SC #2868449)

Have a Car Diagnostics Yourself

Once there is something goes wrong in your car, you may go to the repair shop and have a car diagnostics specialist take a look at it. However, it is costly. Do you want to tackle the problem yourself rather than take your car into the shop? If yes, then it is the site for you! Our site offers many auto products on car diagnostics. We strive to give you the most troubleshooting information as well.

Many years ago, tackling the problem yourself was a viable option if you knew your way around a car. But it is time consuming, sometimes it was a case of trial and error, checking and re-checking. Nowadays however, most cars have electronic control systems installed, you are able to check your car with a diagnostic tool, such as diagnostic connector and OBD-II code reader. In this way, you can clear out the OBD-II trouble codes in an easy way. Just follow the descriptions and do it step by step! You will finally be successful. Probably the greatest difference between car diagnostics before and car diagnostics today is that there are diagnostic technicians who are completely mobile now, saving the consumer, time, money and inconvenience

Even if there is no problem with your car, you might still need the services of a car diagnostic technician if, for example, you want to turn off the airbag facility, due to small babies, elderly or sick people being put at risk by trav

eling in a seat where a front-facing airbag is active. A car diagnostic technician can help you do this.
In some countries where extreme weather conditions prevail, it is worthwhile having a car diagnostic technician check over your car on a regular basis. In this way you can prevent potentially life-threatening problems from occurring.
(ArticlesBase SC #2868122)

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Get Higher Gas Mileage by Maintaining Your Car

Now every 3,000-Miles or Three Months which ever comes first take your car in to get it serviced: Go ahead and change your engine oil and have them do a complete check of all of your fluids plus your tire pressure to make sure that the other fluids are good and that the tire pressure is set prefect also just in case you have a nail or a problem then they will find it out at the mechanic shop, or if you work on your car yourself to make sure to do a complete check list on it.

Now oil and transmission Fluid are one of the main things for the car and the most expensive parts to be changed. So it is a good idea to make sure you keep your car maintained so that you will not have any problems in the future and to prevent expensive repairs when your car reaches a higher mileage.

Every Six Months: I would defiantly check my windshield wipers, since it is rubber the sun and smog will ware the rubber and it will not work properly. Or if you decide not to change it during the summer time defiantly change it when winter comes around because it will rain a lot and you don’t want to get stuck somewhere also you want to be safe and not get in an accident for something that will not cost you a lot. I do recommend that you change the wiper with the original ones from the dealer because they work the best, they last the longest, and they won’t make any noise or fall apart after so many months. The reason I say not to get aftermarket is because they will change the original wiper and put aftermarket on and then you will use it and later find out that it is not working that good.

You can also find really good articles and info on 104Inc or you can also go to 104Automotive.com or 10mechanic.com and more at 104Inc.com you can find anything you need in your daily life.

Now overall there are 3 factory services that should be done at certain mileage.

First one is a Minor Service done every 7,500 miles: This service is basically an oil change, rotate tires, ck all fluids, and ck the tire pressure. Usually the dealers or certain mechanic shops will also steam clean the engine so that it stays clean.

Second is an Intermediate Service done every 15,000 miles: this service has everything that the Minor Service has plus on certain models you would change the transmission fluid + Valve Cover Gaskets.

Third is a Major Service done every 30,000 miles. This has everything that the Intermediate Service has plus depending on the make and model of your car things will be different. But in general you would change the Distributor Cap & Rotor + Spark Plugs + Air Filter + Fuel Filter + Coolant Flush + Brake Fluid Flush.

Now basically this is a good overall procedure of what you would have to do to keep your car in tip top shape so that it runs at its best performance and you get the best gas mileage on the car. But the main thing is that the car will be reliable and won’t leave you stranded in the middle of no where.
(ArticlesBase SC #514649)

How to get approved for a car loan without a credit check

If you are reading this article I assume you have previous experience regarding getting a car loan. Maybe you have applied to few big names and been rejected due to credit score. Maybe you even applied to few bad credit or subprime lenders but still been turned down due to a lack of credit, after all your frustrations you are ready to give up getting a new car. Just wait a second, there is an option for you if your credit score is really bad. There is few car loan providers located in the Toronto area who is willing to offer you no credit check car loans. These loans are funded privately, usually the dealerships or the owners themselves. No credit check required means no credit check required literally. The only requirement they will have is for a small amount of down payment usually less than $500.

If you are bumping into wall after wall trying to get approved the traditional way, maybe it is time for you to step back and take a good look at your financial and personal situation. If you need a vehicle badly enough for work or family, there is no other choice out there other than no credit check car loans. These loans are usually been lend out at a higher interest rate, but the plus side to the story is you can actually regain credit score through these loans. With good repayment history, your credit score can rise over time. And pretty soon you would be able to negotiate on terms such as the selling price of the vehicle or the annual interest rate and so on.

So the next time you are been turned down due to your credit history, don't give up your search yet. Just apply to a different loan source and you will be approved for a car loan without a credit check.
(ArticlesBase SC #2830048)

Points to look at before opting for rebuilt engines

As far as the budget is concerned buying used rebuilt engine sis one good option that each one of you can opt for. But then always be sure that you buy it from a reliable and correct provider because after all the engine is the most important part of any of the vehicle. Though the used or the rebuilt auto or diesel engines give you a great chance of saving on your money but it are highly important that you know whom to get it from. This is because if you do not analyze things properly then you might certainly end up wasting your money and other resources too. In a way you will also cause much of damage to your vehicle irrespective of the model.

Getting these kinds of engines from any of the local auto parts shop present in your neighborhood or in your town is just very risky. Thus it should be avoided and rather you need to get in touch with some one who has all the technical knowledge about this auto parts and can also save your vehicle from becoming a complete scrap. One good reason of buying it from some one you know is because if not then you will get some useless product which will spoil not only your vehicle but you will have to waste all your resources. If you get a good rebuilt engine then it is for sure that you will be saving not only your vehicle but with this you will also be a great deal for you. Buy the one which is not only original but is well certified and also is very good at price.

You should not only go along with one single person or the single quote given by the rebuilt engine provider but then ask for a few more form at least a few. The reason for this is that only this will help you to know whether what is the actual amount that you will be spending when you wish to buy these rebuilt engines for your vehicle. Safety and security to the vehicle is something which is of great importance and thus you need to take all the aspects into account before you make up any decision with respect to changing or replacing your engine with a new one or a used one. Any sources you choose make sure you select the best source which is not only authentic but also very reliable.
(ArticlesBase SC #2782423)

Spray painting your Car

Spray painting refers to a painting technique in which a device is used to spray a coating of paint, ink, varnish, etc. through the air onto a particular surface. The most common types of spray painting techniques make use of compressed gas, generally air, to atomize and direct the paint particles. Spray guns are either automated or hand-held and are equipped with interchangeable heads that enable different spray patterns. Spray guns are mostly used for spraying cars. Various spray painting techniques are employed to paint the surface of a car and almost all of them use compressed air or air pressure to discharge and direct the spray.

In case, your car needs to be painted but you don't wish to spend the money on a professional paint job, you can easily paint it yourself! Here are a few tips that might be useful for you:

* Before beginning to paint, sand or grind out all rust spots. Always use a filler for areas that are heavily rusted.

* Use a masking tape to distinguish those areas that you don't want to paint. Sometimes, you will have to remove certain pieces of the car so as to paint evenly.

* A lot of time and money will be wasted on paint if you don't prime your car with a high-quality metal primer. The surfaces that are to be painted must be first covered with a primer.

* Paint using a high-quality enamel such as Rust-Oleum to protect your car and to enhance the durability of your paint job. To attain good results, you can also attach a spray can and air compressor or buy a snap-and-spray aerosol can holder from any store for a reasonable amount. These spray can holders help in producing an even flow and you don't have to hold the spray nozzle for a long period of time.

* Maintain a distance of 8 to 15 inches from the car while spray painting it in order to prevent paint runs. Apply the paint in an area that does not have dirt or dust as these particles can get into the paint before it dries.
(ArticlesBase SC #2514486)

5 Excellent Ways to Find the Best Auto Insurance Quote for You

Times are tough and now more than ever you need to ensure that the money you spend is really worth it. Sadly, one of the things that people try to cut on when money is tight is auto insurance (or any type of insurance for that matter). However, this is the very last thing you should do.

No one ever knows when accidents occur and should you ever find yourself on a road accident where you are at fault, car insurance can save you from financial ruin. So no, don’t scrimp on vehicle insurance. However, there are ways when you can get the best auto insurance rate that can save you literally thousands of dollars down the road. Following are some of these tips.

Work on a having a good driving history.
Insurance companies are taking a risk on your driving habits. As such, if you have a good driving track record, then chances of you getting in a road accident (and ergo chances of the insurance company needing to make a payout) are slim. So, good driving record = better car insurance rates.

Know your credit score. Your credit score is one of the things an insurer takes into consideration when figuring out the auto insurance quote to give you. If your credit score is bad, this means your finances are not good, which means you’re a big risk for the insurance company, which in turn means you get a high car insurance rate.

What a lot of people don’t realize is that there are often mistakes in one’s credit score! The best thing to do here is for you to know your credit score NOW and fix any erroneous entries by getting in touch with credit report companies to get these mistakes out and thus improve your credit score. In the end, a good credit score = better car insurance rates!

Read auto insurance reviews online and learn from other people’s experience! With your good driving record history and better credit score in hand it’s time to seek the best car insurance providers. The best way to find these providers is to learn from the experience of others. A great place to be better informed is to visit AutoInsuranceReviewer.com (AIR).

AIR is third-party site where thousands of people just like you sign up and post their own personal reviews of car insurance providers they’ve dealt with. The review criteria for each vehicle insurance company are: Extent of Coverage, Claims, Customer Service, and Car Insurance Cost.

After short-listing your potential car insurance providers, don’t ring them all up as that takes a lot of time. Instead, check out car insurance quote sites online where you can fill out your details once and have the site submit your information to your chosen car insurance providers. Let THEM do the work of getting your business!

Take higher deductibles. If you can afford it, opt to pay a higher deductible (the amount you need to pay the auto insurance company before they pay any claims) than normal. It may be steep at the start but this means paying lower monthly premiums too, which in the long run means more savings for you.

Go ahead and be cheeky… ask for a discount! Nowadays, there are plenty of discounts that can be had on car insurance (e.g., low mileage drivers, presence of anti-theft gadgets in the car, car-poolers, etc.) but in many cases you do have to ask for them! So go ahead and ask! Hey, it’s your money, right?
(ArticlesBase SC #611435)

Cash For Crash

The shocking new threat facing road users this year is the cash – for – crash scam, a dangerous new form of fraud that criminals are conducting to scam money from insurance companies. Unawareness of this trend is meaning that a lot of these criminals are not being brought to justice, as a car insurer asked their customers, and forty one percent had never heard of the scam.

The dangerous practice happens when innocent road users are targeted when criminals drive into the back of them, intending to make false or inflated claims. If people do not notice this, then claims will be inflated, as unless it is picked up during the claim process by the car insurance company, the falsified accidents could go unnoticed.

A Car Insurance company have stated: "Even though police and insurers are making great headway in eliminating the threat of cash-for-crash accidents, there are still thousands more cases that slip under the radar. The reason for this is that motorists either aren't aware of this threat, or aren't able to spot the signs that they have become a victim. If more drivers were made aware of the dangers they are facing, it becomes more likely that they will be able to report anything unusual to their insurance company who could then make investigations and cut down on levels of fraud. What's more, not only does insurance fraud put innocent lives at risk, but it is also responsible for adding about £40 to the average honest policy holder's premium so it's in everyone's interests that we make it harder for crooks."

The good news is that if these criminals are caught, they will find it impossible to procure any Car Insurance, or other financial policies, in the future, as well as having a criminal record. Be alert! If you think something is dodgy about the accident that you have had, then call the police straight away.
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Modified cars and Car tuning – certainly the latest trends

Modified cars are getting really popular and car tuning can be a DIY job or you can use a specialist in the car tuning industry. The aim is to modify your car so as to improve its performance for better handling and style. Car tuning is a feature to personalize your showroom car to your personal expectations and match your driving style. Modified cars are tuned such that they get more economical and/or produce more than average power increasing RPM and comfort of the ride while providing better handling. Car tuning is certainly one way to improve the performance for car racing or style. Tuning also improves the exterior feature of your modified cars. Tuning the body with aftermarket parts improves aerodynamic features of your car by making use of side skirts, rear and front bumpers, splitters, spoilers, light wheels and air vents.

Modified cars are endowed with enhanced engine tuning so it increases the power of your engine output. This can vary from chip tuning to engine exhaust wrap and nitrous injection. Traditionally only engine timing were adjusted providing better fuel ratio, but presently people add vents, turbo chargers, exhaust systems or a number of other parts that makes your modified cars much more faster in performance for tracks and on road. car tuning improves your intake charge whilst maintaining the fuel to air ratio of your showroom car and reliability of your engine and upgrades your engine increasing forced injection using nitrous along with engine compression. People add car parts to increase its horse power output providing better torque along with a number of other physical modifications.

Suspension tuning for modified cars improves its shock absorbers and springs making is better shock absorbent reducing the car body roll such that you can drive your bets vehicle under any circumstances or tracks. In most overload vehicles car tuning increases clearance by lengthening suspensions. Most people may also try making use of hydraulic and adjustable suspension upgrades for better outcome. People may also create Modified cars by tuning or adding kits and spoilers to the body. This is a feature that improves the aerodynamics of your modified cars. These are the types of car tuning that are generally performed to improve the physical appearance of your modified cars. People might also try modifying the interiors of the showroom cars by upgrading most factory installations. They may upgrade the seats for a more comfortable ride and make it look more stylish.

Some may also try adding a number of other features like lava lamps so your car might in fact get a much classier appearance from outside and inside. There are also a number of people who might in fact add a number of multimedia devices known as ICE (In Car Entertainment), audio amplifiers, woofers, televisions and DVD players. Exterior modified cars might have features like xenon lights, carbon body equipments, Alloy wheel base and HID. This is one feature that makes your modified cars more aerodynamic and stylish. Some of the showroom cars are considered as more expensive mods by adding vinyl stickers and lights. These types are generally also termed as pimped modified cars. Most people like modifying cars and car tuning just because they consider showroom cars as being tasteless. Before modifying your car you certainly have to check with the legal requirements in your state and country.
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How to Choose a Good Car Mechanic

Most every car owner will tell you that having regular maintenance performed on your vehicle is essential to keeping your car in proper working condition. However, even though you may have some experience working on cars yourself, it is important that you routinely take your car to a certified mechanic to have it properly checked over every so often. This is particularly important for newer vehicles that include computerized equipment that only a certified mechanic can properly review.

However, deciding on which mechanic to take your care to is an important decision, and one that many people have a hard time with. People are often leery of taking their car to a new mechanic because they are unsure of how good the mechanic is at working on vehicles and also because they are afraid they may pay a lot of money to have their car "tuned up" only to find the mechanic did no actual work to the car and just scammed them out of their money.

One of the best ways to find a qualified mechanic is by word of mouth. Ask friends and family members which mechanic that they use for their own vehicles. Once a person has found a good mechanic, they will often stay with them for many years because they know they are getting quality service. So if any of your friends and family members routinely use the same car mechanic, you know they are doing so because they keep taking their vehicles to them again and again. Ask around to see if anyone you know has a mechanic that they feel is great and can be completely trusted with your vehicle.

In some situations, you may not know anyone that has a mechanic that they use regularly. But don't worry, you can still easily find a quality mechanic to work on your vehicle. You can start by visiting various mechanics and seeing what kind of business that they do. If there is constantly customers waiting to have their vehicles worked on, it is a pretty safe bet that mechanic provides quality work that keeps the customers pouring in. However, just because a mechanic doesn't have a steady flow of customers beating down his or her door, does not mean that they are a bad mechanic. There may be various reasons why a mechanic is not busy on the day that you pass by. If you are interested in having work provided by that particular mechanic, stop by and have a quick chat with them. Ask them how long they have been working on cars, what experience they have and if they have any references.

You can also ask what kind of certifications that the mechanic has for working on cars. Mechanics that are ASE certified often ensure that you will be receiving quality service from a mechanic that is quite proficient at what they do. Be patient and take your time, and before you know it you'll have a great mechanic.
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Car Insurance Secrets, 8 Secrets Your Car Insurer Won't Tell You

Keeping your premiums from rising? That can feel like playing a game where the rule maker refuses to tell you the rules.

*If you have good credit, you'll pay less on car insurance.
Almost all car insurers including the top five pull your credit report.
Why? Studies have shown a direct correlation between your credit score and the likelihood that you will file a claim.
Car Insurers also know that if you pay your bills in a timely fashion and have had the same credit accounts for a long time, you're more stable than someone who pays late and frequently opens and closes accounts.
Car insurers use this information to create your "insurance risk score," which is one factor that determines your car insurance rate.

Tip: Your car insurance risk score is not available to you, but it may be similar to your credit score. If you have unusual credit activity, wait a month for it to return to normal before buying car insurance.

*Your car model affects your premium car insurance. You won't get these numbers from your Car insurer. But the car insurers do have a rating system for every car make and model.
Most use a system devised by the Car Insurance Services Office, which starts with the cost of the vehicle and then factors in safety and theft data.

Tip: You can file a claim on your home insurance. Most home insurance policies will cover smaller, less expensive items such as compact discs.

*Bad drivers will pay
You'll pay for your bad driving. The industry standard is to increase your premium by 40% of the insurer's base rate after your first at fault accident. Not all car insurers play by this rule.

Tip: Some car insurance companies have a forgive the first accident policy. So ask your Car insurance company if it has a forgiveness policy and how to qualify? .

*You'll pay for your friend's bad driving, too. If your friend borrows your car and crashes it, you'll have to file a claim with your car insurance company.

Tip: If your friend didn't have permission to take your car, in most cases you won't be held liable for the damage. But if your friend is uninsured and causes damage that exceeds your policy limits, the injured party can come after you for medical and property damage expenses.

*Your car's real worth
each car insurance company has its own proprietary list of car values.
The car insurance company may also ask local dealers what they'd charge for a similar replacement car.

Tip: If you disagree with your car insurance company's value determination, there are several things you can do:
Next time, get gap insurance. It wil l pay the difference between what an car insurer will cover and what you owe.
If you have maintenance records that show you've had the oil changed every 3,000 miles and you've had the car checked routinely by a mechanic.
If you've been paying premiums on any special parts or upgrades, make sure those are included in the car insurance company's evaluation.

*Odds and ends
Hit by an uninsured motorist? Try to "stack." (UM/UIM) coverages means collecting from more than one car insurance policy that you hold.

Tip: Check the language of your car insurance policy to see if stacking is allowed.
There are two scenarios for stacking:
First, if you have multiple cars on your car insurance policy with UM/UIM coverage on each, you can collect the limit of your UM/UIM coverage under as many vehicles as necessary to cover full payment for damages.
Second, if you have more than one car insurance policy with UM/UIM coverage, even if they're from two different car insurers, you can make a claim under each policy until all your damages are recovered.

*You can wait to add your teenager to your car insurance policy until he or she is licensed.

Tip: Don't forget to tell your car insurance company that you have a licensed teen. If you have to file a claim on his or her behalf, your car insurance company is entitled to charge you back premiums from the date your teen received a license.

*You must officially cancel your car insurance policy when you switch car insurers. you can cancel your car insurance coverage at any time by notifying the car insurance company in writing of the date of termination.

Tip: Call your car insurance agent and let him know you are canceling your car insurance policy. Give a specific date, or you may end up uninsured for a period of time.
The car insurance company will send you a cancellation request. Most often, the form is already filled out and all it requires is your signature.

Auto Performance Tuning, Give More Power To Your Car

Every major and minor working part of your car can be fined-tuned to increase speed, smoothness, and drivability. Let's explore the key areas of performance tuning and see how each can contribute to better driving.

Fine Engine Tuning

There are several key areas of tuning that can help give your car or truck an engine boost. One is to install a performance chip. A performance chip can be fitted in engines with fuel injection and an ECU, or Electronic Control Unit.

With a performance chip, non-turbo engines often result in about a 10 percent power boost while turbo engines often see an increase of 25 to 30 horsepower!

Engines also see a power boost with a performance cam, which can be fitted by an experienced mechanic or a really knowledgeable homemechanic. Cams of about 270 degrees can boost the engine up to an extra 12 horsepower.

A power boost valve can also be installed to replace the fuel pressure regulator, which is located in the return fuel line.

Brake Performance Tuning

Be sure to enhance your braking power before increasing power in your automobile. Brakes are very important for your performance and safety although they are not considered performance-enhancing features.

A simple way to improve braking is to install performance pads and fix performance discs. Performance brake pads enhance braking power and can withstand much higher temperatures than regular brake pads.

Air Filters and Tuning

Probably one of the easiest tune-up tasks is to replace the air filters or the air filter element in a performance air filter. If you have a fuel-injected car, you can also enhance airflow by removing the original airbox, which contains the air filter and hoses and then replacing it with an induction kit.

The kit is a cone filter that can be attached directly to the air flow meter, thus, creating a more directed, uninterrupted airflow to the engine. More air means better engine performance.

Exhaust Enhancement

With exhausts, you're not focusing on what's going into the engine, but what's coming out. There are performance exhausts that minimize pressure restrictions for fumes that are on their way out.

Hint: Replace the factory-made exhaust manifold with an aftermarket brand that is tuned to boost power.

A Better Ride with Enhanced Suspension

Suspension is another key car tuning area that often goes unnoticed. Lowering springs can be fitted to get a better look and feel for the car. Handling is improved because the springs reduce roll when taking corners. Also, the tires will have improved contact with the road.

These springs might feel like standard springs when driving over small bumps in the road; however, when cornering hard they stiffen and reduce roll. This gives comfort and improved handling. Shock absorbers and up-rated bushes also enhance suspension.

Abundant Tuning Supplies

If you have trouble finding the performance tuning products you need, use the Internet to locate thousands of tuning products at great prices. You can find auto parts and supplies for car tuning, truck tuning, SUV tuning, and more.

Also, browse through top brand name products known for their durability and performance-enhancing qualities. There are Sniper tuning products, Diablo tuning products, and many others.

Give special attention to these key areas during your next performancetuning to enjoy maximum results.
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How To Get More Bass In Your Car

In just seven steps this article will guide you on How to Install a Sub woofer in a Factory Stereo. Very often people who are passionate about adding new additional features to their car stereo like sub woofers take the help of audio professionals to do the job. But this job is not at all complicated and can be done without any experience by following simple steps. In this article we shall also discuss the importance of installation of sub woofers, tips and warning for doing this job.



Depth and powerful sound are important for good quality of music. Speakers can be installed at various places inside the car like door panels, dash and rear decks. They enhance the sound effect for higher notes. But to enjoy lower tones adding a sub woofer to a factory stereo is the best choice. Let us see how to do that now.



First we look into list of things needed to complete this work. They are trim panel removal tool, speaker wires and Philips head screw driver. First we should remove the connection of ground cable with the battery of the car. Usually the negative lead of car battery connects the car frame. To do this we shall take the help of Philip head screw driver which loosens the clamp of the cable connected to the negative lead of the battery.



Second step is to find out the amplifier. If it is not an after marker amp and if it is factory installed one vehicle manual can help us locate the amplifier of the vehicle. Next step is to decide where the woofer should be placed. The choices available are car trunk or hatch back or cargo area of SUV on the rear side.



Fourth step is very important. The speaker wires should be connected with the positive and negative terminals of the amps correctly. The next step needs some attention. The wires of the speaker should be routed to the place where sub woofers are present. Suppose if the location of sub woofers is not near the amplifier then wires can be taken under the carpet of the vehicle. Use trim panel removal tool for prying of panels at the openings of the door. The trim panels can be replaced by hand itself after laying the wires under the carpet.



The other end of the speaker wires are then connected with the input sockets of the sub woofer correctly. Ensure that always positive is connected to positive input and negative with negative input of woofer



After that is done we come to the last step. This seventh step is nothing but reconnecting the ground cable with the vehicle battery's negative terminal. Fix the clamp on the lead and use the same Philip screw driver which we used for loosening now to tighten the clamp of the cable. Before starting to do this job always make sure if the output from the amplifier can be handled by the sub woofer added.


This article would have provided a complete answer on How to Install a Sub woofer in a Factory Stereo with step by step instructions without the help of professionals to do the job.
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Tips for Choosing the Correct Car Insurance Company

When you go to choose a car insurance company it may be a tough choice deciding which one is best. First, you have to decide what you are looking for in an auto insurance company
so that you can make the right decision. There are many insurance companies to choose from which can make your decision even more difficult. Here are a few things that can help you to choose the right insurance company for your needs.

You should definitely research several options before making your decision. This will be important as some of them will offer different packages and services. You should never let the cost be your deciding decision when it comes to choosing auto insurance. The price is an important factor but what is more important is the service you get for that price.

The price can vary quite a bit between the different companies due to some with offer services that some do not. By comparing insurance companies and what they have to offer you can help you to fill in the blanks as to what is included in the cost or not. If the company has good and reliable customer service this is another reason you may decide to choose a particular insurance company. The service you receive will be an important feature to look for with any car insurance company. Talk to them and compare their services to other companies. Make sure they are dependable so that you will be able to trust them with your auto insurance needs. Maybe a friend or family member can give you some advice on choosing a good auto insurance company. This is a good way to know if others have had good service with their insurance companies.

If you check online, each state should have a website about their states insurance companies. This is a good way to see how many complaints each insurance company has received from their customers. Online sites have so much information that they should definitely help you in making your decision much easier. Sometimes by going to a body shop around your town and asking them, they can give you good advice on which car insurance companies are the best. They deal with these companies on a daily basis so they should have information that will be helpful to you. Compare the companies to find out which of them have the best financial strength score. This is a good way to find out if the insurance company will have the means to pay for claims.
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Car Tuning Procedure and Driving in the Rain

Driving while it is raining is really a tough thing to do. You won’t be able to see the vehicles coming on your ways. Nor you will be able to drive following the traffic rules. Roads signs
and symbols won’t be that easily viewable. You will surely be struggling a lot if you're going to take the challenge and attempt driving in the rain. If you are damn sure about this, then you must be making sure that the car in which you are going to drive, have already taken for its maintenance.

During rainy season, the number of accidents on road usually increases by a good number. This is one of the reasons why people are afraid of taking their vehicles on road during rainy season. If you are a smart driver, you would know the dangers associated with driving in the rain. But that doesn't mean that no one should take their vehicles on the roads during the rainy seasons. If you know what you're going to do and also the risks associated, you may try it. If it’s your first time, then you must be a little more patient in trying something like this.

Depending on the way you use your vehicle, it would need some kind of tune ups. The more often you do it, the better it would be. Usually people go for tune ups taking into consideration the distance the vehicle has covered since the last tune up. Most of the latest cars out there are with complex systems that are difficult to get tackled by beginners. For the same reason, it won’t be that easy to tune up your vehicle if it’s a latest one. Anyways, it is recommended to seek the help of expert mechanics while doing tasks like these.

You should be going through your vehicle's manual before you attempt car tuning yourselves. You should be learning the basic stuffs associated with the tune up process. And if you are looking for driving tips in rain, you should be having a look at sites that are managed by car enthusiasts. There are lots of such sites online, so it won’t be a tough job at all. After you finish reading a couple of good articles you'll be getting a good idea about the stuffs related to driving in the rain.
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