Vehicle and Collision Repair Services Are Tricky. Who Do I Use?

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Getting your vehicle repaired after it has been involved in an accident or it just isn’t operating correctly is important.
In many instances the vehicle can’t be driven until the necessary repairs have been completed. Yet many people are wary about this type of service because you don’t really know the quality of the work that you are getting. If you need to get your vehicle repaired it is important to do some checking before you take your vehicle to anyone.

If the vehicle is drivable you should attempt to get at least three written estimates. Body shops and repair shops will do this for you free of charge. They will give you an itemized list of the necessary repairs and the cost of them. Make sure you ask about the length of time it will take for them to complete the work as well. Once you get home carefully review all of the estimates. You should see the same items on there in the category of materials and likely some price differences for the labor.

If you notice that one of the estimates for vehicle repairs is much more than the others you may want to ask them why. It could be that they offer better quality products and your car will look nicer or run better when they are done then if you let one of the other businesses do the work. However, it is also possible that they are attempting to scam you and the estimate contains pricing for work that really doesn’t have to be done.

Find out how long a particular shop has been in business. Longevity generally means they have a good reputation for doing quality work. Ask about the experience of their employees so you can get a good idea of what their level of expertise is. You can check online with the Better Business Bureau as well to find out if the repair service has any complaints filed against them.

Most quality vehicle repair service centers will stand behind the quality of their work. You want to choose a shop that has a policy in place that they will guarantee the work for a specific amount of time. This way if you aren’t happy with it or the repairs don’t hold up you won’t have to pay for them again. Even if the cost of the initial repairs were covered by an insurance company you don’t want to have to deal with poor quality work on your vehicle.

Ask your friends, family, and co-workers for recommendations as well. Chances are some of them have had to use a vehicle repair or collision service at some point. They can tell you who they went to and the quality of the work. Ask them if they would go back to that business in the future for such needs as well.

You really can’t avoid having to go to a vehicle repair or collision shop if the need arises. However, you can do your part to ensure you are getting quality service at an affordable price. Most of us rely on your vehicles too much to simply trust the work to just anyone.

Phoenix Insurance – How To Get The Best Phoenix Insurance Rates

The Greater Phoenix area has a fast growing population. The favorable climate and Arizona economy has families moving into the Greater Phoenix in record numbers. With all the new residents moving into Phoenix, or Arizona for that matter, many customers moving want to know: How can Phoenix residents keep their insurance costs under control and get the best insurance rates in Phoenix? Here’s some professional advice:

For your car insurance in Phoenix: The State of Arizona requires mandatory car insurance for driving on Arizona roadways. Arizona requires all drivers to carry compulsory liability limits of at least $15,000 per person bodily injury, $30,000 total for bodily injury and $10,000 for property damage liability.

This is the minimum to drive legally in all of Arizona, including Phoenix. This coverage only serves to protect drivers you may hit in the event of an accident–these mandatory coverages do nothing to repair your car, regardless of fault.

Additional coverages can be purchased from your insurance company to repair your vehicle in the event of an accident–regardless of fault.

Comprehensive coverage pays for losses to your vehicle in the event of fire, theft, vandalism and anything else that is NOT part of an accident.

Collision coverage pays for losses to your vehicle in the event of an accident. Collision coverage does not pay for repairs resulting from vandalism, Comprehensive coverage pays for that.

Purchasing an insurance policy with both the mandatory liability limits required by Arizona law and Comprehensive and Collision coverage is customarily known as “full coverage” insurance.

Be prepared that Comprehensive and Collision coverages both carry a deductible clause that the insured must pay out of pocket before the insurance company pays for the complete repairs.

Factors that affect your auto insurance rate may include: Replacement cost of the vehicle, driving record, city, county or even zip code that the vehicle is customarily garaged (parked overnight) in and finally the driver’s age.

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