Why You Need Auto Insurance

Auto insurance is a contractual agreement between an auto insurance company and the insured or the policyholder. Auto insurance is more than just a matter of insuring your vehicle for loss or repairs after an accident. It saves you a lot of money when accidents occur to your vehicle and protects you financially from the damages caused to properties and injuries caused to other people including yourself. The advantage of having a car insurance is the ability to eliminate the cost of repairs to your damaged car at a time when you are in the most financially vulnerable state.

Auto insurance is required in almost all states of the United States. If you are looking to buy a new vehicle make sure you fully consider the cost of the auto insurance premium since driving a vehicle without car insurance could lead to suspension or revocation of your license. In some states, some drivers could spend time in jail for driving without auto insurance. The penalties if you are caught without automobile insurance are severe and will cost you a great deal of money.

Finding a cheap auto insurance is not really difficult to find but you will need to do a fair bit of negotiation with the auto insurance agents who will try to sell you the highest priced plans because of profit motives. Beware of car insurance companies who market to people who have a poor credit history. They may give you low car insurance premiums but when accidents occur and you make claims, they may be very difficult to deal with.

There are ways to keep your auto insurance cost low like installing safety devices to your car. These safety devices include anti-theft devices, airbags and seatbelts. When you have these devices in your vehicle, the auto insurance company will rate your car as low risk and safe for driving. This can lower the rate of your auto insurance premiums.

Auto insurance cost also varies from state to state. Some state have higher rate than others like New York car insurance is higher than that of Ohio car insurance. Auto insurance for women is sometimes lower than that of men because typically men drive more mileage than most women increasing the risk factor of accidents thus increasing also the auto insurance cost.

Auto insurance is a necessity before you can drive a vehicle. Do not just accept that car insurance is always expensive since it can save you a lot of money later when you do figure in an accident not withstanding the cost of penalties and suspensions if you are caught driving without a car insurance. Auto insurance is simply a way of smoothing out the financial consequences of an accident and if you don’t have auto insurance right now, go out there and start getting one.

How to Find the Right Car For You

There is no argument that housing prices have continued to rise over the last couple of years making it the largest single purchase most people will make in their lifetime. However with the prices of the average new car now nearing $30,000 they are definitely the second largest purchase many of us will make by far. By keeping this in mind you can help ensure that this important decision should be made carefully and not in a hurried or rushed, knee jerk decision that many car dealerships seem to bully most of their customers into.

To make sure that you don’t make a mistake and that you buy the best possible vehicle for you and that it will accomplish all that you need it to you should do a little research and some soul searching as well.

To start, consider your present situation of whether you are single or have a family. If you have a family and this will be the primary mode of transportation to shuttle everyone out and around then you may want to consider a minivan. For those soccer moms and hockey dads out there the new dual sliding door or even the single sliding door minivans offer serious convenience, plenty of room and decent fuel economy considering the load you can handle with it.

If you, like many others can’t quite see yourself in a minivan you may want to consider a sport utility which are really growing in popularity. The great thing about these vehicles is that they are available in all makes and in several price ranges to cater to everybody’s budget. You can choose between a smaller, cheaper sport utility like the Ford Explorer, or get into a larger vehicle like the Chevy Suburban or maybe a Ford Expedition. Either way you get some of the convenience features of the minivan with that rugged jeep type of look.

If you are an outdoors mountain junky that enjoys going camping and hanging out with friends in the woods or going on weekend surf trips you may want to consider the sporty new Nissan Pathfinder or another 4×4 vehicle that can get you to where you need to go without the worry of how you’re getting back out. The Pathfinder is designed with the outdoor lover in mind with built in roof racks and storage standard. However with any vehicle that you may be considering don’t be talked into 4-wheel drive unless you really need it and intend to use it regularly. There are some big things to consider with a 4-wheel drive like, 4-wheel drive transmissions add thousands to the price, is much heavier, and will also cost you more money for insurance and gasoline due to decreased gas mileage.

Deciding on a color may seem easy right now but if you change your cars every couple of years then you have to keep resale value in mind. Although many will say color is a matter of personal preference there are a few guidelines you should follow for particular types of vehicles if you are concerned about resale value. Regardless what type of vehicle you purchase stay away from “out of the norm” colors like purple or yellow unless you plan to keep the vehicle forever. Another color that has been proven to be “cold” for resale in light blue or “ice blue” as it is known in the industry. If you plan to trade every 2-4 years you are far better off choosing a normal color like white, silver, beige, etc. If you are planning to buy a sports car you will definitely want to stay with white, red, or black.

For your interior choices you may have the choice of leather, vinyl or cloth. Although leather is really nice and smells great to most, you must be the type of person who will take the time necessary to maintain leather, also keep in mind that leather can be unbearably hot in the summer and unless the seats are heated, they are very cold in the winter. If you do plan on getting into a sports utility or something similar then check out the vinyl, it’s cheaper than leather but is really durable and you don’t fell you’re going to rip the seat every time you get in the car or truck.

You will also want to take insurance cost into consideration when choosing a car, especially if buying for a teenager. Overall, sports cars and 4-wheel drives are more expensive to insure, not too mention a lot more to fix if you run into any repair issues.

Another good move before you head to the car dealership is to consult a local mechanic and ask them what cars they have the most problems with. They can tell you which cars they see with the most problems and what the common problems are. Not only will you get an idea of what cars are good but more importantly, which cars to steer clear of! (Excuse the pun)

So as you can see, walking into a dealer and buying the first thing they push on you can be a bad move unless you have money to burn. Take the time to think it over and come up with some guidelines of your own that cover your present situation so that your new car purchase will be a pleasant one and not the car buying nightmare you hear about more often than not.

Automotive Industry At A Look

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Automotive Industry Solutions

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Many knowledge miners, retailers and service providers need access to client car knowledge. For instance, insurance coverage companies search access to car information for setting particular person premium charges. Some insurance coverage companies only want mileage driven per year, while others might want far more data, such as driving behaviors like onerous braking and accelerations, or even GPS locations of travel. Below the automotive Privateness Ideas, consumers must consent to offering insurers with car knowledge.

Against this, cars depend on the on-board network of computer systems to function, and these methods can’t be turned off and still allow the automobile to operate. Nonetheless, automobile owners and registered users have access to a variety of subscription-based mostly companies provided by manufacturers and third-social gathering providers. House owners and lessees can decide out of subscription-based mostly companies or choose to not contract with sure distributors who seek access to various forms of data.