Auto Insurance

GETTING AN AUTO INSURANCE

Owning an automobile is good; it solves a lot of problems. It can be fun too. These advantages, moreover, can even be accentuated by buying a good auto insurance. Getting our automobiles insured is a very necessary action and should be considered right after the vehicle purchase is made. In fact, we should quicker insure our vehicles than insure our shelter. Both are quite necessary but, considering the amount of risks involved in driving, an auto insurance can definitely not be done without. Most times though, we tend to look at it from the legal point of view- it is risky to drive an uninsured vehicle because the law enforcement agents will deal with us. But if we take the reasoning a little deeper, we would realize that we have so much to gain when we insure our automobiles.

There are many auto insurance providers. Their insurance plans or packages vary in price and scope. One needs to be quite careful and do a lot of arithmetic before venturing to select and patronize one. Quotes can easily be sourced on the internet. Aside the price, one needs to study an insurance package to know what is covered and what is not, availability of bonuses, how the payment rates vary with time, and other trivial issues.

My candid advice to my fellow drivers is: get a good information source. When you have the right information at your disposal, you will know your options and take the right decisions. Do not follow the crowd. Get a list of reputable auto insurance providers, consider their plans and rates, take a good night’s sleep and then, make your selection.

Read more on Auto Insurance Select

NEED SOME CASH?

Need some side cash to maintain your car? Check out this beautiful survey site:

https://www.surveysavvy.com/?id=3965963&action=join

and this also:
http://www.fastecash.com/register_new.php?cid=okonri

FOR THE LOVE OF CARS!

CAR CRAZY!

Have you heard the story of a man that went mad for the love of cars? No? Relax then. Truth is, I don’t know how true it is. However, a story is a story.

He worked in a plastics factory and saved every dime sav-able. Why the savings? He loves cars. No one in his family ever drove one. He swore that this would not be his lot.

He watched the TV only to see the latest Ferrari, limosine, ford, Honda, Toyota, etc. When he sleeps, it was all car, car and car. For every promotion that a car is to be won, he registers.

With time, he saved almost enough to get him a decent car. But then he fell sick. At the medical lab, he was diagnosed of a disease of the head- I can’t pronounce the name. The infection was “benign” and could be removed with a little surgical operation.

But it will cost him his savings.

Delay could lead to insanity, said the doctor.

Our man considered what he passed through to save for the love of his life- car. He thought and thought, and thought. Days passed. In his delay, fate caught up with him.

His neighbors woke up one morning to behold our man dancing naked in front of the house, chanting on top of his voice:

Car, car, car, car, car and car.

I just bought a car.

Car, car, car, car, car and car.

Just check my garage.

Car, car, car, car, car and car.

I’m gonna cruise in my new Honda!

Car, car, car, car, car and car.

Or is it Ferrari I bought?

Whatever.

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HOW TO BUY A CAR

There are good reasons to purchase products at the end of significant time periods, including the end of the month, end of the quarter, and the end of the year. But unlike buying say, a couch, buying a car --any car-- at any time, exposes us to financial risk through the inescapable effect of depreciation.
For car dealers, the end of the year is their last chance to qualify for manufacturer allocations. Typically, the more new cars a dealer sells, the more they will be able to acquire the following year. Additionally, it is their last chance to qualify for dealer, sales-team and individual bonuses.
Because the above factors are understood by many buyers, families often schedule their buying for this time of year, and dealers and manufacturers spend additional advertising monies to play up this buyers' 'advantage'. But this is not the simple equation that it seems to be (shocking, in the car business), and there are many potential pitfalls awaiting the overconfident buyer.
A 2008 model car, for instance, was likely available for purchase midway through 2007. If it was a midsize upscale domestic sedan, and it was priced around $30,000, the invoice was around $25,500, and they could be readily had for $27-28k. Now, as we head into 2009, your dealer needs to move these out, so he is offering additional incentives to buyers. Just business, right? But the pitch that these are a 'steal' at these prices is simply not true.
The depreciation of a car so young is far heavier on the model-year side of the scale than it is on the mileage side. As time goes on, a model year can begin to be the depreciated value equivalent of 15-17000 miles or so. But by purchasing a 'new' year-old vehicle, you are accepting the massive first-year depreciation without ever driving the car. Be sure that the deal you are offered accounts for this factor. Do some quick research on what the previous year of the same model is selling for now, and make the comparison. You will often be far better off buying a one year old lease turn-in after the 1st of the year. This way, someone else has taken that first year hit, which is significant in all cases. In fact, you might be better off buying the 2009 model if you require a brand-new car. The difference in selling prices may not account for the depreciation. At least this way, you will be driving it while it depreciates!
Also, beware of the model-year style change. Nothing will take the wind out of the sails of a new car owner than to see next years model, dramatically improved, visually different, parked next to them. Now your 'new' car might as well be 4 or 5 years old...who would know?
The Holidays are a time for family and togetherness. Unless you really need a break from Aunt Edna (not your side of the family...) and want to spend untold hours wandering around in car dealerships, just find your vehicle through online ads and confirm availability with the dealer over the phone. Make an appointment with an individual and be ready to buy. You have secured your own financing, right?
If it is pre-owned (as it really should be) do your own due-diligence before you leave the house. Run a Carfax or Autocheck and call the service department at the dealership to check on the service history.
If your choice is not 'certified' (manufacturer- or dealer-provided warranty to 100000 miles), why not? Find one that is. Alternatively, call the manufacturer's customer line and see if the first owner bought an extended warranty. If so, it will transfer to you. Dealers do not generally check on this.
Got $18000? The proverbial '$320/month' car payment? Do a search for 2005-2007, under 30000 miles, under $20000 at Cars.com or Autotrader.com. Choose the style of vehicle(SUV, sedan, coupe...) and select Acura, Audi, BMW, Infiniti, Cadillac, Lexus, Jaguar, etc. You will likely be surprised by your options.
For 2009 and beyond...Think big. Spend small. Drive happy!
Peter W. Robinson is the founder of Movinmetal, Inc. and the author of the CAR FU: Self-Defense for Car Buyers system. Learn more at http://www.car-fu.com