Commerical Vehicle Insurance

By Matt Hellstrom

Getting commercial vehicle insurance is a necessary expense for any business that uses vehicles for commercial purposes. Unlike regular auto insurance, commercial insurance for vehicles is used not for private purpose but strictly for business. This is to protect against accidents, theft, fire incident or liability that may be incurred in an accident during the normal course of business.

Despite some of the inherent risks of maintaining and using vehicles in a commercial context, it should not be at all difficult to procure commercial vehicle insurance. While the probability of accidents can be high in some areas of the country, this is an issue that can be evaluated on a case-by-case basis and steps taken to reduce incidents.

Whenever a vehicle is used solely for business purposes, for instance, transportation of goods and/or people, it should be considered for commercial vehicle insurance. This is were a professional insurance broker or agent can guide the the operators/owners of the commercial vehicle. Any such broker or agent should be an expert in the field of commercial vehicle insurance with solid experience in handling your particular needs.

Factors that commercial vehicle operators should consider when making their decisions on the purchase of commercial insurance for their business vehicles include the specific use of the vehicle to be insured. What will the vehicle actually be used to convey or what task is the vehicle designed to perform? Who will operate the vehicle? These are considerations that will impact the premiums and coverage available.

If it is goods, are they industrial goods like flammables? Is it a truck used for local and long haul? If not, is it for local transportation like a courier service? Does it have attached to it heavy equipment like cranes and towing vans? This information must be adequately set forth and explained.

It should be noted that commercial auto insurance prices and policies will differ with vehicle types, usage and classifications. A look at what the commercial vehicle insurance covers would give commercial vehicle owners insight to its necessity. The insurance needs to cover liability for each driver as well as collision damage and even comprehensive coverage (covers damage due to theft, fire, or glass breakage) for each vehicle. Also bodily injury and liability, property damage and liability, motor truck cargo and medical payments are necessary components.

You'd be in for a rude awakening if you forego proper commercial vehicle insurance on a vehicle used for commercial purposes. Insurance is one area of your business you should never skimp on. The potential for disaster is too great, both in the sense of liability for damages or injury and the loss of a business asset. - 21396

About the Author:

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The Basics Of Keeping Your Car Well-Maintained

By Randy L Timmerman

One day, our vehicles may be self-sustaining, able to take care of themselves rather than our having to do it for them. Until then, we'll need to have the oil changed, tires rotated, and filters swapped out periodically. The fact is, if you want your car to run smoothly over the long haul, you'll need to have routine maintenance performed.

Fortunately, your owner's manual will spell out every maintenance item your automobile needs. It will even provide details regarding when you should have certain types of work performed. In this article, we'll explore a few common questions that drivers have about maintaining their vehicles.

The Owner's Manual Versus Your Mechanic

Why is it that your mechanic or auto technician recommends servicing that your owner's manual does not? The reason is simple: revenue. At an independent repair garage, mechanics often try to persuade customers to agree to work that may be unnecessary. While they probably won't suggest a new engine (unless you need one), they may recommend a brake job before your pads are fully worn. Or, they might suggest a transmission flush even though your car doesn't need one.

At a dealership, the service advisor will usually recommend a number of maintenance items that you don't need. It's important to realize that he gets compensated partly through commissions. The more he sells, the more money he makes. He might ask the mileage on your odometer, but that's usually because he has a list of services to recommend at each mile marker.

Your safest bet is to rely on your owner's manual. Not only does the car manufacturer know how to keep your vehicle running well, but it's in their best interest to make the most appropriate recommendations.

Doesn't A Warranty Cover Maintenance?

Auto warranties are a natural part of car ownership, yet many motorists don't know how far the coverage extends. Major parts, like the engine, transmission, and axles are covered. However, routine maintenance items like oil and air filters, oil changes, and rotating the tires are not. A lot of drivers visit the dealership thinking standard services are covered under the warranty. Then, when they arrive on the lot, the service advisor begins recommending unnecessary work. Read your warranty and learn what it covers.

Package Deals At The Dealership

The service department at your dealership will often create maintenance packages that bundle multiple services together for a single price. For example, they might offer an oil change, brake job, and filter changes for $100. Is it a bargain? First, determine which services you actually need. It may be time to change the oil, but do your brakes require changing? It does little good to save money on work that is unnecessary. Second, itemize the individual prices for each job being performed. Assuming your vehicle needs everything listed in the package, it is the only way to know whether the price is a good one.

Keeping your car well-maintained doesn't have to be expensive. The key is to follow your owner's manual and don't be easily swayed by your mechanic's recommendations. That way, you can be sure that your car will remain in good condition without breaking the bank. - 21396

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Motor Insurance

By Jaylen Derell

Automobile insurance is the primary requisite for anybody owning a car, as it covers the individual against monetary losses incurred due to a mishap. Without any automobile insurance, an individual will also have to pay for hospitalization and other damages claimed by the other person and that could run into a fat sum.

The advantage of an automobile insurance is that it limits an individual's liability during a calamity to a very small amount as opposed to what he would have had to pay if he did not have this insurance and he is unlucky to meet with a disaster caused either due to sheer apathy on the part of the drivers towards road discipline or the unexpected breakdown of a vehicle at top speed. It is possible for anybody interested in buying automobile insurance to get affordable insurance rates from several well known insurance corporations through the website of CarInsuranceQuotesComparison.com by mentioning the zip code in the relevant space.

In the absence of a structured way of giving insurance tariff applicable for your car, you may need to request for many tariff offers from the insurance firms that you have shortlisted to facilitate an apple to apple assessment.

There is no recourse, but to shell out a big amount by way of penalty if somebody is nabbed by the police and he is not in a position to provide any testimony of having taken insurance.

By purchasing auto insurance, you get another benefit in that, in the event of your car suffering severe dent and needs to be towed away, you will be set up with a rental car outfit from where you can get a car for usage till your car is in road worthy condition. Both money and irritation can be saved by going in for an auto insurance after doing the due diligence of obtaining numerous rate quotations from the different insurance companies.

Another strong reason to opt for car insurance is the huge cost you are incurring for the purchase of your car which includes in addition to the basic cost, license, registration, extra fittings like CD player, seating options, lighting etc and all this needs to be adequately safe guarded.

The best way to get the best deal on your car insurance from the comfort of your home is to log in to CarInsuranceQuotesComparison.com, where you can get many competitive insurance quotes from many insurance companies that will help you decide on which one to go for. It is also equally important to not settle for only the cheapest insurance offer but also the other benefits a company is offering. - 21396

About the Author:

Writer: Jaylen Derell, proud successful writer for Car Insurance Quotes websites. The one article he takes the most pride in is Car Insurance Quotes.

Hybrid Car Battery Packs

By Colin Jones

Those (thinking about|considering buying a hybrid car may be more than a little concerned about what lies under the bonnet. Hybrid cars have partially battery-powered engines. Since a battery powered motors is not something that typically springs to mind when people think about what is driving a car, it's a good idea to get an understanding of hybrid car battery packs. You will find a few facts about them underneath.

Hybrid car battery packs do not require to be replaced like flashlight batteries do. They are made to last over the lifetime of the vehicle, and therefore a hybrid car's guarantee covers the battery pack for a time period that runs between eight and ten years. In terms of mileage, a hybrid car battery pack is expected to last between 150,000 and 200,000 miles, and it probably will last even longer than that.

The toxicity of hybrid car battery packs is a concern, but not a major problem, because hybrid car batteries use NiMH batteries, not the cheaper rechargeable nickel cadmium ones. Nickel cadmium batteries can be detrimental to the environment if not disposed of correctly, but the NiMH batteries that are used in hybrid car battery packs are safe and fully recyclable.

Hybrid car battery packs contain hundreds and hundreds of cells. Several hundreds of cells means that hybrid cars have a complex battery beneath their hoods, and, it is true, complexity usually means expensive, but with the generous warranty hybrid car manufacturers are giving on these cars, there is very little risk of additional massive expense from the battery pack involved in purchasing a hybrid car.

The number of hybrid car battery pack failures reported has been really very low. When I say low, I mean negligible. If failure does happen, it is usually before the hybrid car even leaves the lot. Toyota has even said that some of its first Prius hybrid models have battery packs that have gone more than 300,000 miles.

The cost of replacing hybrid car battery packs isn't really even a problem. It isn't a problem because the hybrid car battery packs are made to last. The Department of Energy looked into hybrid cars, but stopped its tests when the capacity of the hybrid car battery pack was determined to be "just like new" after 160,000 miles. So, very few people really seem to know for sure what it costs to replace hybrid car battery packs except the manufacturers.

Hybrid car battery packs are being developed very quickly. If we look into the near future, we can see the next generation of hybrid car batteries is already in development. The goal is, naturally, to discover a technology that gives lots of power, lasts for the hybrid car's lifetime, and costs less to make than it does today.

If your hybrid car battery pack does run out, there is a solution. Toyota has put out some advice on what to do if your hybrid battery should run out after the warranty has ended. The advice is to have the battery reconditioned. This solution works well because if something goes wrong, the problem usually lies within only one of the 28 modules that the battery is made up of.

So, if you simply replace the problematic module with one that matches the chemistry of the other 27 modules, your hybrid car's battery should be back in good shape. You can find a match by getting a battery pack from another car that has a similar mileage and age. - 21396

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I Stumbled and Look What I Found.

By Hector Montoya

I recently sold my van on stumblehere.com. I was very surprised by this, thinking that since this was not a name of a website that I was familiar with. I was scared that I was wasting my money. Well I will be the first to tell you how wrong I was.

After posting my classified ad on craigslist, people were talking about stumblehere free classified ads. And how much traffic their ad syndication was bringing.

I did not want to listen to some sales speach about how stumblehere was a place to sell my stuff. The last thing I wanted to do was post more ads.

I finally heard what he had to say. He told me he was calling for a website that I hadn't heard of before. He told me that this ad website was unlike craigslist in that they do something called ad repost. Meaning that what they do is they send out my posting that I put together on their site to many others.

So I went to the stumblehere.com website and posted a classified ad. I then upgraded it to make it a featured ad on their site and added ad syndication. I wanted to get my ad on as many websites as possible.

Stumblehere will be my classified site for life. I sold my vehicle and am excited it went soo smoothly. I did not think it would work, but it did. - 21396

About the Author:

Classifieds are the new way of buying and selling your items, products, services and stumblehere was a great find. Try their free web advertising programs and increase your web presence for your product oraffiliate offer.