How To Obtain Cheaper Car Insurance

By Henry Fleet

Before getting a lot of fun driving your car, you need to take care of some things in order to keep your vehicle legal on the streets. The car insurance is one of the most necessary and important things to do about this. If you don't purchase it, you could lose your driving license or you can even be convicted for some law violations. Thus, obtaining cheaper car insurance must be a priority for each car owner. This article will show you some practical methods to find a less expensive car insurance.

Prospecting the Market

One of the most important things you should do for obtaining a cheap quote for car insurance is shopping around. The offers from the companies differ from one another and you need to find the one that suits your needs. If your current company does not offer you the price, you are searching for, try to switch companies and find one the one proper for you. Each company has its own strongholds and at the time one offers you a good quality versus cost rate while others offer an inexpensive minimum coverage. The variety of companies will offer you a variety of choices.

Try to take into account the local insurance providers when shopping for cheap car insurance. They usually do not show up in an online search or in a insurance quote comparison. These websites tend to include in their database only the national companies. Sometimes the local insurance providers have good plans and you can't find out details about them if you don't call the companies or pay them a visit. Consider doing this before making a final decision.

Hunt a Better Quote

The insurance companies are comparable to the companies which work in the credit card branch. They are at any time eager to expand the number of clients they have. If they expand their customers database on a regular basis, they will pay out insurance plans on a better financial ground. Expansion is essential for any income sharing business or for credit industry and this offers the client the opportunity of having a lot of leeway in dealing with the seller.

If you ask for a lower price from the beginning, you might get in on the place with your particular agent you are working it. If the insurance agent feels that the offer he has made you might result in a sale, than there are very good chances to speak with his supervisor about it. If his superior agrees, you might get an insurance plan for a lower price than the quoted one. If you feel strange about doing this, remember that asking has no cost. Ask for a lower price and then wait to see what happens.

Further Tips

There are very things left to do after shopping around for car insurance plans and trying to get much better prices. Beyond the flexibility at the companies' level, there are not so many methods to obtain much cheaper car insurance. Sometimes the insurance companies offer discount coupons attached to driving lessons or other thing like this, so you might want to check them out. - 21396

About the Author:

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Snap, Crackle, Pop: Why Hire Out Your Motor Oil Testing?

By Michael Kaufman

This is #2 from a series of six very useful, and no cost, oil tests that you can perform in your very own garage.

If you would consider yourself to be one of those people who owns a vehicle that is driven infrequently, is commonly driven on low mileage trips and/or is driven or stored in a humid place or one that often has wide temperature swings, then performing the crackle test would likely be a good idea. This is a simple test which will clearly indicate if condensation is causing water build-up in your oil.

Of course, you might wonder why you would need to check for water ingression, and the answer, to put it simply, is that, water build-up leads to acid build-up. Acid build-up leads to corrosion, and pitting is caused by corrosion. Pitting is BAD, and, even a premium, extended drain synthetic oil like AMSOIL can eventually be overcome with water/acid build-up. So, you should perform a crackle test to find out if water is building up in your oil BEFORE acid build-up depletes the acid fighting additives in your oil and corrosion begins.

It is worth noting that fuel in your oil can cause some confusion in the results of this test. Performing the blotter spot test (business card test) beforehand will indicate whether you have fuel dilution. If you do, then you probably don't need to worry about water ingression and the crackle test is likely unnecessary. You already have a problem that likely will have you wanting to change your oil.

To use the crackle test, you place a very small quantity of oil onto a hotplate of some sort which is set to a temperature high enough to boil off any water in the oil. Since most engine oils are not volatile until they gets up over 350 degrees or more (synthetics much higher than that), you could set the plate to a temp anywhere between 250 and 300 degrees F.

At that temp, when you place the engine oil on the plate, you'll hear a crackle as the water boils off. The crackling should occur very quickly as long as you don't use much oil. Of course, if there is no water in your motor oil, you will hear no crackle.

Of course, this is not a very precise test, and it will not provide any detail as to the AMOUNT of water in your oil, as a professionally performed oil analysis will, but, it can provide you with some useful, free info. - 21396

About the Author:

Interested in knowing what the other 5 DIY oil analysis tests are and how to perform them? Take a hop over to my BestSyntheticOil.com website and finish my "Poor Man's Oil Analysis" article to determine your proper oil change intervals............

How to Rent a Car When You Travel

By Chris Linch

The initial thing I have to say about renting a vehicle is make certain it is worth it. Some cities renting a car is of no value. You might not be able to drive, and if you can drive you might pay so much for parking each place you go that it would be worth it to pay a cab that doesnt have to park.

Take Las Vegas for example, unless you are traveling out to the Grand Canyon or something, there is no point in renting a car in Vegas. You can take a taxicab about everywhere or walk. Plus they have the tram that will take you all over the strip, or the double decker busses that take you from the Strip to Down Town.

If you are going to rent a car try not to do it at an airport. This is where you will pay the most money for them. See if somebody will pick you up at the airport if you rent a car from them. Most places will and it will save you money. Some are even right across the street from the airport and half the cost.

Find out if there is public transportation available before you spend a bunch on a rental car. A lot of tourist cities will have transit accessible to tourists that is much cheaper than renting your own car. Remember it is not just the price of the car we are looking at, but how much will you need to pay to park it each place you go.

Even if you do rent a car, you dont really have to to drive it everywhere. If you have to pay 12 dollars to park somewhere, and a cab ride is only 5, you will still want to take a cab even though you have a car.

Check on your car insurance as well. Most of the time your policy will cover you in a rental car, and most credit cards cover rental cars as well. I never buy the insurance for car rentals I think that is one of the largest rip offs there are. Your auto policy will also cover you in a rental car, for the most part, just check with your insurance agent.

When you travel make sure you are making an allowance for all costs when renting a hotel or a rental car so that you do not spend more than you have to. You can usually rent cars cheaper the same place you book cheap hotels. - 21396

About the Author:

Chris Linch is an avid traveler and author. Chris spends most of his time providing sound advice and information to travelers. Chris has traveled all over the world and writes not only about his experiences, but how to save on travel. Chris also runs a money saving website where you can find Cheap Hotel Rates among other travel deals.

Beware These Car Credit traps

By James Revals

Looking for a new car? Luckily for you, it's a buyer's market out there. Thanks to bankrupt automakers looking to get rid of extra inventory as soon as possible, now has never been a better time to go shopping for that dream car, especially if you'll be using car credit to purchase it.

However, like with most shopping, it's important to look out for these "too good to be true" deals, which often might not be the best option for you, especially if you're looking to finance your purchase. Here are the deals you're likely to see, and why you should avoid them at all costs:

Buy One Car, Get The Second Car Free. This sounds like the ultimate deal: purchase one vehicle, and you'll get a second one free courtesy of your car dealer! Sure, this might sound like an incredible deal at first, especially if you have a big family that could use the second car; but be forewarned before you sign that contract. Dealers won't let you pick the second car of your choice, and will instead require you to take a large SUV or another vehicle that doesn't sell well. Additionally, that second car is by no means free: dealers will tack on hidden fees and costs to ensure that they get some return on the car. If you're purchasing that first car with the dealership's car credit, you'll be hit with a high-interest loan that will really stretch your monthly budget.

Low Interest Car Credit Loans. It's no secret that dealers are starting to get desperate - and many of them are offering car credit loans at next-to-nothing rates. Does this sound great to you? Before you put on your shoes to head to that dealership, you need to possess perfect credit in order to take advantage of these rates. Besides, many of these loans are only available for certain car models, which means that your ideal car might not be covered by these low-interest car credit loans. To get the best deal on your car credit, be sure to get competitive loans from a third-party lender before approaching the dealership for financing. This way, you can ensure that you're getting the best deal on your car credit!

Drive Off The Lot. Many dealers are promising potential customers that they'll be approved for car credit on the spot, meaning they can drive off of the lot that day. Yet if you peruse through the fine print, you'll see that the terms of the loan can change - and you might see your interest rates go up only a few weeks later.

To avoid this trap, be sure to get a competitive loan offer from another bank or lender before you approach your dealer for more financing options. Don't forget: never let the dealer know that you don't intend to leave unless you have your new car. You want to have the power in all negotiations! - 21396

About the Author:

Alexander McDougall writes for a specialist loans provider based in the UK. If you are looking for loans today then we can help out.

Avoid Scams When Shipping Your Car

By Steve Cerrato

The auto transport industry can be cutthroat. Shipping your car can be a very difficult to understand process and many companies take advantage of the those difficulties.

That's why we made this list: to keep you from getting scammed when you are trying to ship your car.

1. Do not "Bargain Shop" when choosing an auto transport company. This will ensure that your car will not be loaded on any carrier without a salesman calling you the day your supposed to have your car scheduled only to raise your quote price.

Don't forget there are certain minimum costs to shipping a vehicle, such as gas. A company that comes in far cheaper than other companies, isn't doing the shipping under costs. They have generally has found some unethical or abusive way to make their money.

2. Federal law requires auto shipping companies have liability and cargo insurance, however that doesn't mean that they all have it. Do your homework.

3. If the auto shipping company asks for a deposit, they are probably not legit. Although, you may have to provide a card to reserve a spot, similar to reserving a hotel room, letting them charge you before they do the shipping is generally the mark of a scam.

You should only be charged after your shipment has been scheduled, you are given pickup and delivery dates, and have been given the contact info for the carrier.

4. Don't try to ship anything instantly. You are going to pay through your nose, if you don't give about a week and a half to two weeks notice. Planning ahead will always save you money.

Follow these guidelines and you will get the best deal possible when shipping your vehicle. - 21396

About the Author:

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