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How To Save Money On Auto Insurance

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Auto insurance is an important asset for every driver to have.
Besides being required by state law, auto insurance covers you in the event of an auto accident by lessening the cost of paying for car injuries to your automobile and the opposing drivers. If you need help with choosing the correct auto insurance for you, then follow the tips in this article.

Consider dropping comprehensive and collision insurance on older vehicles. These insurance options reimburse you in the event of theft or damage to your vehicle but are relatively expensive, even if you have a high deductible. If the replacement value of your vehicle is low, “comp and collision” insurance is usually not worth the cost.

Make sure you have appropriate uninsured and underinsured auto coverage. The amount of motorists without insurance and underinsured motorist coverage is rising due to the economy. If you do not have adequate coverage, you may have to pay your repair bill or even your medical expenses after an accident when another motorist doesn’t have adequate insurance. Even a minor accident could cost you thousands.

When trying to keep down the cost your auto insurance, try to maintain a clean credit record. For some reason, auto insurers believe that people with a better credit record are also better drivers and will suffer fewer accidents. Knowing your credit score puts you in a better position to negotiate for lower rates.

If your insurance contacts you about an increase in your premium, find out if it is justified or not. A practice known as data mining is used by certain unethical companies: they refer to a consulting firm that will create fake data that would justify an increased premium. If you catch your insurance company doing this, switch immediately to another one.

If you get into a wreck and the cost of repairs is worth more then the Blue Book value of your car often times they will offer you a cash settlement. Make sure you’re aware of the value of the car, because often times the offer will be less than Blue Book and you can debate it with the insurance company.

Insurance companies base their rates on their past experiences with their customers. If you hear something about a general trend regarding one type of vehicle, this might not reflect how all insurance companies view that particular vehicle. You should request quotes from several companies and compare them: you might notice a rather big difference.

One tip to lower your auto insurance costs is to keep a good FICO score. Auto insurance companies are starting to look at your score and you will want to have a good one so you can save some extra money. If your score is on the low side work on it to make it higher.

In conclusion, auto insurance is important for all drivers. Owning auto insurance is required by law and provides you with safety coverage in case of accidents. With the tips provided in the article above, you should be able to choose auto insurance that best suits you and your needs.

Boat Owners Intend To Sail On Despite Gas Prices

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Boat owners say high gas prices won’t sink their plans this summer.
However, according to a new survey, higher prices will have them easing off the throttle more often.

Like other motorists, boat enthusiasts are caught in the wake of high fuel prices-especially those who pay a premium to gas up at marinas. But many boat owners indicate they are willing to “pay to play,” saying gas prices would have to nearly double before they change their lifestyle.

The survey, conducted by The Brandware Group, Inc. for Nationwide Mutual Insurance, indicated that two-thirds of boat owners reported high fuel prices would not cause them to use their boats less often. In fact, boat owners are willing to pay about $2.70 more per gallon for fuel before they will consider docking their boats.

“When talking with our customers about boating we learned that while they’re concerned about rising fuel prices, the passion they have for their boats overrides those concerns,” said Greg Blanchard, Nationwide’s vice president of Specialty Products.

The survey also showed boat owners intended to be on the water just as often as last summer-about 20 times-but expect to run their engines about 25 minutes less per trip. The sailors surveyed said they spend 28 percent of their total leisure time on the water.

Experts say that with high fuel costs putting a strain on boat owners’ wallets, boat owners should make sure they have the right protection against the unexpected so they don’t get hit with burdensome repair or replacement costs.

“Protecting your investments by making sure they are insured to value is an important step in protecting your lifestyle,” said Blanchard. “The money crunch really hits home if something happens and you don’t have adequate insurance to repair or replace your baby.”

According to the survey, one in five power boat owners and one in three bass boat owners do not have insurance on their boat. Of those with insurance, about 35 percent don’t have liability coverage. About 40 percent of power boat owners and 53 percent of bass boat owners don’t have collision coverage. About one in five power boat owners and a quarter of all bass boat owners would rather take their chances than pay to fully insure their boats.

Car insurance rates predicted

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There are ways to reduce your premiums without giving up coverage. One of the easiest things to do is get auto insurance rate quotes online. This will allow you to comparative shop stress free.

Car insurance will vary depending on the insurance agency, your driving record, and the type of insurance you are looking to purchase. I you are looking for affordable car insurance or truck insurance then read on.

Raising your deductibles is the easiest way to reduce your rates. The higher the deductible, the lower the premium will be. The deductible is the portion you will have to pay in the event of accident, before your insurance coverage steps in. It’s important not to carry a deductible that’s more than what you are able to pay. Your insurance company will not honor its portion of the claim until you’ve paid your deductible. However, the higher your deductible the lower your premium cost will be, so you need to find a

Always remember to ask your insurance broker for any available discounts. Quite often we forget to ask and they don’t seem to volunteer the information. A clean record on the current policy for a certain period of time, having your homeowner’s coverage with the same insurer, taking a defensive driving course, having an accident free driving record, and having an approved anti-theft device will reduce your auto insurance rates.

The type of car you drive can also reduce your rates. Stay away from cars that have a high class rating. Rates vary among the different makes and models of vehicles. The different rates are based on the risk of accident, cost to repair, higher theft rates for a particular model and replacement costs such as with a new vehicle. So be sure your vehicle isn’t going to be in a category that increases your rates too much.

A safe driving record consisting of no accidents and no traffic violations will get you the most substantial discount. Most insurance companies are very good at recognizing good driving habits. These are the drivers they want to insure because their risk is much lower.

Check around to make sure you are getting the best auto rates you can. Online auto insurance shopping has taken the guess work out of buying insurance and you can very quickly see if you are being hosed. So if your insurance is coming due now is the time to start shopping!.

If the car is old and not very valuable, comprehensive insurance is probably not worth buying as it can quickly add up to more than you’d ever receive in the event of an accident. You can save up to 20% by eliminating collision insurance. You may want to opt not to carry collision insurance as well which can save you and additional 20%.

Classic Cars Become Focus of Edmunds.com’s 40th Year

Classic Cars Become Focus of Edmunds.com’s 40th Year

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Forty years is a long time. Many have changed. Many have started out their own businesses and many other businesses have closed or run out of funds to run it. However, there are still others that remain strong and remain at the top. One of these is Edmunds.com, one of the most respected sources of information on used cars, new vehicles, and automotive information.

Edmunds.com is celebrating their fortieth year in the business and as part of the whole deal, they are out to make reviews on the vehicles and cars that took great significance during their forty years in the business. For Karl Brauer, “The automotive industry and its products are dramatically different than they were when our company was founded in 1966. This milestone gives us a chance to reflect on the highlights of days gone by.”

Classic cars enthusiasts would surely be loving this. Primarily this is because when cars get out of style and when the cars are no longer in production, auto companies start to stop producing stuff for such models. Good thing, there are still good sources of information and outdated parts and accessories like Oldsmobile restoration parts in the market. Companies like this make sure that old and classic vehicles are not entirely forgotten and these cars could still be alive and kicking.

There are many definitions as per what a classic car should be. However, one of the main things that make a car a classic is that it is one-of-a-kind and is not so common anymore. Looking back and reading on classic cars is just like reliving the days when these cars were still roaming the streets and roads. It also gives a chance for the new generation to get to know the kind of cars and vehicles that used to own the highways in cities and countries.

Nothing Quite Defines an Era like A Vintage Ford Car

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For more than a century now, Ford Motor Company has established itself as a force to be reckoned with in the auto manufacturing industry.
Earning billions of dollars each year, Ford has maintained its dedication to excellence and its cars and their loyal customers are a testament to this. Today, Ford manufactures a wide variety of cars and other vehicles in various brands and most of them are multi awarded and well regarded.

It’s amazing though that up until today, one of the original production cars that Ford produced is still revered and that is the Ford Model A. A vintage car that has captured the imagination of the people in its time, the Model A was the follow up to the highly successful Model T.

Released at the end of 1927, the Model A was produced for 18 years and was offered in four different colors. In its 18 years of production, this second success for the Ford Company was developed into a variety of models and designs and was widely accepted by the then burgeoning American economy. All in all, Ford sold about 5 million units of the Model A.

Because of its popularity and because there were a lot of Model A vintage Ford cars that were produced, a number of them still exist today and are in good working condition. This can be attributed to the simple fact that Ford vehicles are built with a standard of excellence and many of their parts can be restored to a semblance of their original condition.

As a matter of fact, there are numerous proud owners of Model A vintage Ford cars today. They have bonded together to form Model A clubs and is spurred on by their love of the famous vehicle. Many of them share their experiences with one another and help each other in restoring this huge Ford success.

If you are one of those that have been fascinated with Ford and their vintage vehicles, those that were produce in the early quarter of the 1900s, then you are not alone. Being fortunate enough to afford a Model A vintage Ford car, you should be able to save a lot of time and money in restoring if you are able to get the right information.

Getting sufficient information to help you out in restoring Model A vintage Ford cars would be easy enough because of the many resources you can find through the internet. Many websites are available today which can provide you not only with information, but also with top quality Ford parts for restoration of Vintage Cars.

Most of this information are available for free, and one way to truly get pertinent information is by joining Model A vintage Ford cars clubs and joining their discussions on their forums. There you will be able to post questions and get the answers that can truly help you.

Restoring Model A vintage Ford cars not only is a glamorous project that exudes sophistication and class, it will also be able to satiate your hunger for vintage car restoration. Take the time to do your research and surely, you will be able to find satisfaction in what you do. Be a part of a tradition that is emulated by a lot of people, learn more about Model A vintage Ford cars.

The World Of Collection Cars

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Collection cars are highly sought and even have special trade shows dedicated to their very existence. In the world of collectors, you have mechanics who can rebuild old cars to look new, individuals who have protected the original beauty of the car without extensive restoration or collectors who completely build collection cars from the ground up. Every year, collectors gather at shows around the world in order to view a variety of collection cars together in one place.

Early camaros, vintage mustangs and other muscle cars or trucks are just a few of the collection cars that are showcased at trade shows. In exchange for an entry fee, event organizers accept collection cars into their show and award prizes for the top entrants. All collection cars are judged by preselected experts, who decide which are the best of the lot so to speak.

Collection cars are not only nice to look at, but they also bring a pretty price for their owners. Antique and collection cars are highly sought among collectors, but are also popular among those who simply wish to reminisce about their glory days. In addition, many collection cars are purchased for investment purposes. If preserved, collection cars may continue to increase in value during the years to come. If entered into additional car shows, they may continue to win awards or garner media attention that will make them even more desirable.

Collection cars will not be found at the local car dealership, but they are close by for the enthusiast who doesn’t mind doing their research. Some of the best places to search for collection cars are specialty magazines, the local newspaper’s classified ad section, televised or local trade shows, and even online. Before purchasing anything online, buyers are urged to conduct due diligence on the automobile. An in-person inspection, along with a mechanic’s observation, should be conducted prior to signing on the dotted line.

Quite often, collection cars are invited to participate in local parades. No matter the time of year, these auto enthusiasts are anxious to showcase their set of wheels and are proud to ride as part of many parades on an annual basis. Many collection cars can be entered into parades by contacting the local city hall to inquire about participation. Everyone loves collection cars, including those who don’t characterize themselves as collection car enthusiasts. From the professional mechanic to the hopeful auto designer and the child who isn’t even old enough to sit behind the steering wheel, collection cars are a sight to behold and are celebrated by all who appreciate classic detail at it’s finest.

Antique Car Parts

Auto Detail of a 1998 Ferrari 355 by Esoteric Auto Detail
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Owning an antique car is a dream shared by many men and women. Cruising down the street in a classic car not only turns a few heads it makes you feel great knowing that you’ve invested in something of value.

For many people they decide to restore the antique car they’ve purchased. They know that even though it involves a lot of time and work, the end result is well worth the effort.

One of the first things to consider if you are planning on taking on the restoration of an antique car as a hobby is where you’ll go to find parts. Antique car parts can be difficult to find. You generally can’t walk into your automotive supply store and request the part. Instead you have to do a bit of research to find out where the antique car parts you need can be purchased.

The first place to go to research antique car parts is the internet. Pull up a search page and type in the phrase “antique car parts” followed by your city. With any luck several results will pop up that will give you a resource locally.

If the results of the search aren’t as favorable you can begin to research online stores that specialize in antique car parts.

There are several companies who work with their customers to find the antique car parts they need. They are much like a locator service. You request a part and they put the leg work in to find out where the part can be purchased from. You then pay them a finder’s fee and purchase the particular antique car part from the source they quoted.

There are also companies whose focus is strictly in antique car parts. They compile a vast collection of varied parts and offer them to their customers through their website or store front. There will be additional charges for shipping but if you’ve been having trouble locating a specific part this can be a welcomed resource.

Another source for finding antique car parts is your local newspapers. Sometimes collectors decide to sell off certain parts. You simply peruse the listings and contact the seller asking about the condition of the antique car part you are searching for and the price. Quite often they are excited to help you with your project and will offer you a reasonable price for the required part.

Sometimes you can find a treasure in an unexpected place. Auto wreckers often have antique cars in their lots. These are cars that were not restored and they reached such a debilitated condition that they are now being used strictly for parts.

Some auto wreckers keep a very close inventory on what is on their property. In this case you’ll simply need to call them and inquire about the part citing the type of antique car you have and what you need. They’ll search their computer database and be able to tell you whether or not they can supply you that antique car part.

Other auto wreckers prefer their customers to come to their location and look over the vehicles themselves. You’ll want to take a few tools with you just in case you do locate the part you are searching for. The majority of auto wrecking operations require the customer remove the desired part themselves.

Although it can be tricky to find the antique car parts you need, with a little research you should get what you need to completely restore the vehicle.

Safety Instructions Before Using Vehicle Lifts

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Lifts are used to raise a vehicle on a stable platform, allowing automotive mechanics unrestricted access to inspect and repair the underbelly, transmission and wheels of the vehicle. Multiple vehicle lifts are standard equipment in most auto repair shops. In addition, some automobile enthusiasts install lifts in their homes for vehicle storage.

Prior to 1920, only service pits were available for repairing and doing preventive maintenance on the undersides of vehicles. The hydraulic auto lift was invented in the 1920’s to reduce the time and equipment needed to hoist vehicles off the ground. Depending on the design used, .today’s vehicle lifts can raise up to 50,000 pounds and can cost between $9,000 and $45,000. Installation not included.

In the beginning, there were no industry standards and vehicle lifts varied in design and construction. After World War II, there were only fifteen auto lift manufacturers in the United States. They recognized the need to develop standards to guide the industry. In 1947, the U.S. government issued its first set of standards. The Occupational Safety and Health Administration developed its own regulations in 1974.

Today, there are three major manufacturers of heavy lifts: Mohawk Resources Ltd. of Amsterdam, NY; Advantage Lift Systems based in San Diego, CA; and Rotary Lift in Madison, IN. Electric controls for lifts are standard, and lift features vary according to price and model. They vary depending on where they make contact with the vehicle, usually the axles, frame or wheels. They include single-, two-, four-post, and scissors lifts. The single- and two-post lifts are ideal for small trucks and cars. The four-post auto lift is used for most commercial and transit vehicles. The scissors lift saves space by having the posts in the middle of the lift, operating like an open pair of scissors.

Over the years, the structure of the automobile body has changed. Vehicles previously built onto underbody frames are now being constructed into frameless or unibody styles. Lifts have evolved to better handle the structure of newer vehicles. Rotary, for example, has developed the three stage lift. It has three telescoping sections, giving it a greater range of extension and retraction than other lifts. As a result, it can reach a broader range of vehicle pick-up points. It has become the preferred lift of many vehicle manufacturers, including Honda, Volkswagen and Audi.

Despite changes in the design of lifts over the years, many injuries and accidents occur annually. This is usually due to human error rather than any flaw in the lift design. The most simple things often lead to disaster. Auto mechanics sometimes fail to keep the lift area free of debris, grease/oil and obstructions. Not paying close attention when working around the lifts or allowing untrained individuals to use them are two more potential problems. Some forget to wear the right safety gear, including goggles, a hard hat, and steel toed boots.

Proper use and maintenance of the equipment is essential. Blocking or overriding the controls is dangerous. The manufacturer’s rated capacity is shown on the nameplate affixed to lift. Despite this, some mechanics use the lift to hoist vehicles that exceed the weight limit.

An ounce of prevention is better than a pound of cure. Mistakes made before the vehicle is lifted are accidents waiting to happen. The lift arms must be properly positioned before the vehicle is raised. If the center of gravity of the car is not on the center of the lift, cars may tip off. With some vehicles, removing or installing items may cause a critical shift in the vehicle’s center of gravity and result in instability. Mechanics should always refer to the lift manufacturer’s recommendations. If there is not ample overhead clearance space, the vehicle may be crushed. Mistakes also occur when the transmission is not in neutral, doors are not securely closed or the ignition is not turned off. Some repairmen fail to lock the lift into place before going under it. Others raise the car while someone is inside the vehicle.

Numerous accidents occur during the lifting process. The vehicle should be loaded on a lift carefully. Mechanics should ensure that the lift supports are in contact with the manufacturer’s recommended lifting points. When a secure contact is made, the lift can be raised to the desired working height. If work will be done under the vehicle, the lift should be raised high enough for its locking device to be engaged.

Before lowering a lift, the mechanic should ensure that everything is removed from under the vehicle. Locking devices should be disengaged before the lift is lowered.

Custom Wheels And Rims – Sizes, Colors And Specifications

Custom Wheels And Rims – Sizes, Colors And Specifications


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If you are simply bored with the look of your old car or not satisfied with the look of your new car, try customizing your car by adding a new set of shiny custom wheels and rims to it.
You can easily purchase them online or at a retail store. At the retail store your have the advantage of seeing the product before purchasing it. However, on the online stores the prices are very low.

Brand Names and Types
You can choose from a variety of brands. Some of the most famous in this business are Enkei, Volk, Diablo, Panther, Katana, Boss etc. You can select from the basic ones to the gold plated wire wheels to the latest chrome spinners. You can choose the color, style and finish according to your preferences. Check online resources as well. Websites offer you quite a lot of cheap deals, which would other wise cost you a good buck at the retail stores.

Some auto merchants even have software, which allows you to customize wheels and rims for your vehicle. This gives you a good idea of how your vehicle will look.

Your Car and the Rim Sizes
You can have custom made rims and wheels for any automobile on earth. You can customize your Hyundai, Lamborghini, Land Rover, Lexus and Mazda, Nissan 4×4 trucks, Subaru etc. Be sure that you select the right wheel and rim size for your vehicle. You certainly do not want to select a size that’s too big for your vehicle because it will be problematic while driving.

Hunt For the Right Colors
From chrome spinners, which cost as much as 3000$ to 5000$ per rim, to steel, aluminum and alloy you can get wheels and rims in a variety of sizes, colors and costs. Wheels with spokes, gun metal color, and gold are a few other popular types. Visit various websites to get the wheels and rims you want to have in your car.

Before you customize your car, always make sure that you have looked at all the options available. Only then you can make the right choice.

Where to Find Auto Parts in Your City

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If your car needs repairs then chances are that you have taken it to one of the main auto repair shops around your city or state before. In fact, there are probably more auto repair shops in one city than their are auto parts stores. This is all par for the course, however, if one needs to make their own car repairs or wants to, auto parts definitely need to be found. If you are having a hard time trying to find the auto parts that you need then there should be plenty of stores in your area that will allow you to get the repairs that need to be done on your car. Here are some suggestions of retail stores to try if you are trying to find some auto parts:

NAPA

The NAPA store has long been a popular auto parts store that people have been able to visit in order to buy the auto parts that they need. There are plenty of these types of stores around. In fact, this is a chain auto parts store that is located not only in each State, but also outside of the United States as well. While at NAPA, one is able to get the exact auto parts that is needed in order to make the repairs to an automobile. Furthermore, the NAPA Company also has auto repair shops sprinkled throughout the country as well. For example, there is a NAPA AutoCare Center, NAPA Collision Center, as well as a NAPA Truck Center. There is usually a NAPA auto parts store wherever there is a NAPA store of any kind, but one cal always call just in case. Furthermore, NAPA also has an online store where one can purchase auto parts from them and have them shipped immediately through a UPS service.

AutoZone

Another chain auto parts store that is very popular is AutoZone. AutoZone is also a store that has an auto parts retail store in virtually every place around the United States, but they do differ from NAPA in a slightly different way. Whereas NAPA traditionally stocks auto parts for many cars and that’s about it, AutoZone has a whole selection of other different automobile products in their stores. For example, self-contained batteries can be purchased, heavy-duty flashlights, along with a whole plethora of other products made for automobiles. AutoZone is one of those household names that is always spoken of and can be trusted to obtain the correct and best auto parts from.

Auto Repair Shops

One place that you may not have thought to ask is an auto repair shop. Believe it or not, auto repair shops do have connections when they want to purchase auto parts for various repair projects. They are usually more than willing to extend this service to the customers, but there is usually a service-fee that goes along with it.

All of these ideas are great if you are looking for auto parts in your area. Chances are that you should be able to find the correct auto parts that you’re looking for and should have no trouble by using some of the retail stores and suggestions listed above!

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