How to buy a second-hand car safely #auto #body #kits


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How to buy a second-hand car safely

Car being locked

Used cars can prove excellent value for money and be a worthwhile investment. However they can also prove a risky business, with potential pitfalls including outstanding finance secured against the vehicle, fiddled mileage and even being lumbered with a stolen car.

Here, we take a look at what you should be aware of when buying a used car so you can prevent your new wheels driving you mad – and costing you a fortune.

Outstanding finance

Unpaid finance on a used car is one of the most serious and potentially costly situations a buyer can find themselves in. According to the vehicle data provider, HPI, one in every four used cars it checks are found to be in this situation.

The unpaid loan therefore falls on the shoulders of the new owner to pay while the fraudsters walk away with your money – and no debt. So not only could you lose cash, it is also likely you would have the car seized so that the finance company can recoup their losses.

‘Clocking’

This is an illegal practice in which the odometer of a vehicle is altered so it appears to have fewer miles on the clock. This clearly attracts a higher price – which could leave you open to being fiddled out of hundreds of pounds.

According to the AA, most cars average around 10,000 miles a year, so do your homework and check the age of the car against the mileage to be sure nothing is amiss. Tell-tale signs include worn screws on the dashboard, worn pedals and a shabby steering wheel on a car that has supposedly not travelled very far.

Cut and shut

This is when the remains of two cars that were written off in an accident are welded together to form a new vehicle, which takes on the legal identity of just one of the cars. This can be extremely difficult to spot just by looking at the car.

Cloned cars

The equivalent of identity fraud, this is when a car that is an identical match to another has its number plate swapped to either disguise the fact that it is stolen or so the owner can avoid parking tickets and fines. Worryingly, you would only become aware of this if you suddenly started receiving fines that you knew didn’t apply to you. Therefore, be cautious of anything without a V5C registration document which is consistent with the car’s age.

How can I protect myself?

The most comprehensive means of ensuring you don’t fall foul to dodgy dealings is to get a professional check. HPI offers this service from £19.99 and will look into the car’s history to ensure that it is all it seems.

It will verify whether there are any outstanding loans left on the car, if it has ever been written off or reported stolen, whether the mileage has been tampered with and if it has a good CO2 rating. For peace of mind, it’s a small price to pay and in the long run could save you thousands.

The AA also offers a data check along with an in-depth vehicle inspection to make sure that your car is safe and roadworthy. Prices start at £125 for AA members and £139 for non-members but the cost depends on the engine size and the type of inspection that you want. More details can be found on the AA’s website .

How to finance your car

Once you’ve found the right second-hand car and had it checked for any irregularities, it’s time to think about the best way to afford it.

While you may want to secure finance through the dealership where you buy your car, it may be worth considering getting a more competitive rate of interest by applying for a personal loan direct from the bank.

There are some good rates on offer at the moment on personal loans, so it is definitely worth shopping around to see what is available. You’ll need to decide on the term you want to borrow the money over and exactly how much you’ll need. MoneySupermarket’s loans channel allows you to compare a variety of loans and find the best deal for your circumstances.

The current market leader at the moment is M

How to Buy a Repossessed Car #classic #auto


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How to Buy a Repossessed Car

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Repossessed cars can be a big bargain for the savvy shopper, as they often sell below the Kelley Blue Book or NADA Guides values. The caveat is the risk associated with these cars, since they’re often sold as-is and rarely offer you the opportunity to take a test drive before buying. Whether you’re buying direct from the lender, going to an auction or visiting a reseller or dealer, get as much information about the vehicle as you can before agreeing to the purchase.

Tip

Before buying a repossessed car, order a vehicle history report and inspect the vehicle. Once you complete the purchase, it’s often impossible to get your money back.

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Direct From the Lender

Some lenders allow you access to their lists of repossessed cars and let you bid on the one you want. You might be able to finance through the same lender, complete all the paperwork in one fell swoop and avoid paying commission or other costs associated with a traditional sale. The downside is that this can take several weeks from receiving the initial list to completing the sale, and lenders aren’t always incentivized to inspect and repair the vehicle as much as they are to get it off their books. You also might have a harder time physically inspecting the car yourself until just before the sale is finalized.

Car Auctions

Lenders or police agencies may sell repossessed cars at auction. As with other repossessed vehicle sales, the cars are sold as-is. Auctions can take place at a physical location or online. You can generally look at the vehicles before the auction starts but not take a test drive. Though you sometimes can get financing, the general expectation is that you have cash at the ready to complete your purchase. Check with the auction host beforehand to avoid unpleasant surprises.

Go to the Dealership

Some used car dealers also sell repossessed cars, particularly if the vehicles were originally purchased there. Other dealers purchase repossessed vehicles at auction and resell them to customers. This is your best chance of getting a car with at least a limited warranty, particularly if the dealership has an established car repair shop associated with it. It’s also the most expensive way of buying a repossessed car. since the infrastructure of a car dealership, and the need to pay its sales force, means a higher markup.

Reseller Services

Repo reseller services acquire repossessed vehicles and sell them, often listing them online. They may inspect and detail the vehicles before the sale. In general, they want to get rid of the vehicles as soon as possible, serving as a conduit between the original lender and the eventual buyer, often without taking ownership.

Risky Business

Buying a repossessed car is a risk. The original owner may have been months behind on payments, and it’s unlikely that a vehicle owner who couldn’t afford the loan was being scrupulous about vehicle maintenance. Some trash the car before allowing it to be taken. Repossessed vehicles often are sold without a warranty, so any problems discovered later are yours alone to handle.

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Related cars for sale

UPDATE: Read our updated used car buying tips story here.

There are a few simple things to remember and steps to take, that will make the experience easier and assist you in avoiding being ripped-off.

1. Set your budget

Work out how much you can afford to spend, and don’t forget to include registration, insurance and regular maintenance and running costs. Both for insurance, and if you’re going to get a loan, shop around to get the best rate .

2. Do your research

It’s important to have a thorough look at what’s out there before buying a used car. To get an idea of a model’s current market price, spend some time searching our used car ads online or in your local newspaper. Also check out our price guide to help you avoid paying too much.

Be wary if you find a used car where the price is much lower than the market suggests it should be. If you’re determined to take it further, have the car checked thoroughly. If something seems too good to be true, it probably is.

3. Find the right car

Browse cars by body type, make or price   to find out which make and model might suit you

Read our expert reviews of the car you’re looking for

Check the latest car news to see if a new model is coming — which can reduce the price of previous models when it arrives.

4. Contact the seller

And when you do, don’t be afraid to ask lots of questions…

– how long have they had the car

– why are they selling it

– has it ever been damaged

– what condition is it in

– will it meet a RWC

– does it have any `bad habits’

5. Looking at the car

If the seller is a private party rather than a dealer, always go to their home address. Don’t arrange to meet them somewhere. Check that the home address is the same as the one on the registration certificate. Take a printout or copy of the seller’s advertisement with you to check that details like the odometer numbers are accurate.

6. Check the car’s history

No matter how genuine the seller seems, you should check the history of the car to make sure it’s not stolen, encumbered by an outstanding loan, or even a previous write-off. Get the car’s VIN number and check against the databases in the state in which it’s registered. For a small fee (free in some states), this simple step could save you a lot of money and problems.

7. Checking the car

Make sure you have a thorough look over the car yourself, and best of all, have an independent mechanic or automotive centre check it out properly on a hoist. It could save you thousands by revealing mechanical problems and previous damage.

– always look at the car in full daylight, never in the dark or in rain that could conceal body marks, dents, rust and other defects

– check under the car, the bonnet and the interior carpet for rust and signs – such as welding marks — which may show the car has been in a crash

– under the bonnet, look for signs of oil leaks on top of the engine, and underneath. Use the dipstick to check the amount of oil. If the level is low, the owner hasn’t been looking after the car properly

– look around the oil filler cap for a white mayonnaise-like substance – this is an indication of a damaged head gasket which can be very expensive to put right

– take a look at the tyres to make sure they’re in good condition with plenty of tread

– get down in front of each front wheel and look along the length of the car. Both front wheels should be directly in front of the rear ones – if they’re not, it could mean the car has been in a crash and ended up with a slightly twisted or `crabbed’ chassis

– check the gaps between the body panels are equal – if they’re not, the car could have been refitted badly, or may have been in a crash

– inside the car, make sure the seatbelts work correctly, the steering wheel and dashboard are bolted on correctly, the front seats move properly and all switches work

– start the car with a cold engine, which will make is easier to reveal problems like poor starting or too much smoke

8. Test drive the car

– before you set off, turn the steering wheel from one lock to the other to make sure there is no screeching, banging, or knocking

– to test the handbrake, pull it on and then try to drive off very gently. It should hold the car back

– listen for strange noises from the engine, and don’t let the seller distract you by talking or turning up the radio

– drive on as many different roads surfaces as possible

– use all the gears, and check the gear change is slick and smooth

– make sure the clutch pedal ‘bites’ between the top and middle of the pedal’s travel

9. Negotiating the price

The price is the price, but there’s often leeway for bargaining.

– Make a list of any faults you found with the car, or any work that might need doing, and calculate how much this could add to the price.

– From this position, negotiate the price with the seller.

– Ask the seller what their best price is, make a lower offer and then say nothing. They can only either turn you down, accept your offer or name another price closer to yours.

10. Paperwork and payment

– Make sure all the paperwork is in order, and that you have original versions (never photocopies) everything … registration papers, service history and logbook

– If you’re making a payment or even just a deposit, get a receipt and make sure the seller’s full details are on it

Never. and we mean never. give or send a seller money without seeing the car, or without getting a receipt with all the details. 

Scammers may ask you to send money by Western Union, Moneygram or other risky methods, or even through an address pretending to be Carsguide. Do not send them the money, and contact Carsguide immediately to report any seller you feel is a fraud. Carsguide does not act as an agent in handling buyer and sellers money, so any request to do this should be treated suspiciously.

How to Become an Auto Electrician #cerritos #auto #square


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Things You’ll Need

Find a college offering courses that specialize in automotive electronics. A lot of colleges offer online courses, so you are not limited to colleges that are in your area. Colleges will often have career paths that you can follow. Some colleges also offer apprenticeships, which would be the equivalent of an internship.

Follow the class plan that your adviser has set up for you. Pay attention in all of your classes and study the material. The automotive electrician industry is a challenging one, and there is a lot of competition for jobs. You want to make sure that you have the advantage over someone else. You should also take advantage of the teachers at your college, because they are an extremely useful source of information.

Find an apprenticeship and excel at it. An apprenticeship is necessary to get into the industry. It allows you to get hands-on training with others that are experts in the field. They will teach you some crucial skills and let you apply all of the knowledge you have learned in school. You may end up getting a full-time position out of the apprenticeship, which would allow you to jump right into the industry. Take it seriously and do your best, because people in an industry often talk to each other. You don’t want to get a bad reputation before you even get out of school.

Graduate from college and receive your degree. You are now a full-fledged automotive electrician. You will have received on-the-job training, licensing, and completed your apprenticeship. You can now attempt to find a job in the industry, or open up your own business. The choices are numerous at this point, but you have at least completed all there is to become an automotive electrician.

How to Calculate Your New Car Interest Payments. #auto #repair #manual


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How to Calculate Your New Car Interest Payments

If you are interested in learning how to calculate auto loan interest payments, you will be relieved to know that the process is quite simple. Understanding how lenders calculate auto loan interest payments on new car loans is important when you begin shopping around for a new car.

Car loan rates directly affect the interest payments on your new car loan and should be explicitly defined in the auto loan terms. Calculating the interest payments on your new car loan can be done by following a simple process.

Calculate the Total Interest Payment

In order to calculate your interest payments over time, it is necessary to know the total amount of interest due on your loan. Begin by multiplying your loan s interest rate by the number of years you will be paying the loan off. For example, if you have a 6 percent interest rate on a five-year term, you would multiply 0.06 by 5 to get 0.30. Multiply it by the total amount of money you are borrowing on the loan to get the total amount of interest you will pay over the course of paying off the loan.

If you get a $20,000 loan at 6.0%, you will pay $6,764.51 in interest for the five-year duration, making that a total of $26,764.51. That s considerably more than you will take out.

Using a monthly payment calculator brings is similar in that it simplifies loan calculations. Enter in the amount borrowed, the interest rate and the time period. Using the same example, your monthly payment would be $386.65.

Both types of calculators give an approximate total, whether it s interest or a monthly payment. Fees may alter the numbers given but offer a good estimate.

Divide Total Interest by Time

Once you have the total amount of interest you will pay off over the life of the loan, divide this number by the number of years you will be paying on the loan to determine the yearly interest payments. You can then divide this number by twelve to determine the amount of your monthly payment that will be applied to interest. An auto loan calculator available on the Internet can aid in this process, which can help you customize your payment options to fit your budget and financial schedule.

Before you take out a loan for a new or used car, you should calculate the auto loan interest that you ll end up paying on the loan. Auto loan terms can be hard to understand sometimes, if not misleading.

Home – Capital One 360 Help Center #auto #paint #color #chart


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Help Center

Our Help Center offers the resources you need to make the most of your experience.

Top 10 Questions

Banking, Credit Card, Auto Finance, and Home Loan products and services are offered by the Capital One family of companies, including Capital One Bank (USA), N.A. and Capital One, N.A. NMLS ID 453156, Members FDIC.

All entities are separate but affiliated legal entities of Capital One Financial Corporation, each is responsible for its own products and services.

Securities are offered by Capital One Investing, LLC, a registered broker-dealer and Member FINRA Opens a new window /SIPC Opens a new window . Advisory services are provided by Capital One Advisors, LLC, an SEC registered investment advisor. Insurance products are offered through Capital One Agency LLC. All are subsidiaries of Capital One Financial Corporation.

Securities and services are: Not FDIC insured • Not bank guaranteed • May lose value • Not a deposit • Not Insured by any Federal Government Agency

© 2015 Capital One. All rights reserved.

How To Buy A Car Online #cars #under #5000


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How To Buy A Car Online

by Beth M. on 2012-08-20 20

Time to buy a new car. Some fast tips before you get going.

A long while back, some of us at work were snickering about a coworker buying a car on eBay. “Can you imagine,” we laughed among ourselves. “Why would anyone do that?” We couldn t even comprehend the idea. But times change and when more and more people warm up to an idea that once seemed outlandish, the rest of us tend to follow the herd and become more accepting of the new .

Why Buy A Car Online?

In many cases, a car you buy online can be delivered to a local dealership for pickup. As with any major purchase, you want to protect yourself. One good piece of advice I have heard is only to buy cars located within a reasonable driving distance from you. That way you can go see it for yourself, kick the tires, and maybe even take a trusted mechanic with you.

How To Buy A Car Online: Other Tips

  • Get the car s history from Carfax or AutoCheck .
  • If dealing with eBay, check the seller s feedback, and read the fine print.
  • Get an inspection.
  • Make sure everything is in writing.
  • Ask for titles and maintenance records.
  • Don t pay in cash, but use a credit card or reputable escrow company to protect against fraud.
  • Consider getting financing in advance to save time.
  • Don t forget costs such as shipping, title, registration, taxes and maybe dealer s fees.
  • If you plan to use eBay, familiarize yourself with the site s short term service agreement, purchase protection and mediation policies.
  • Don t be afraid to ask questions.

I ve always had good luck with buying and selling cars and other big ticket items (e.g. furniture) online, so it s something that I don t give a second thought to doing any longer. Have you tried to purchase a car through the Internet before? How was your experience?

How to arrange a loan for a second-hand car? #auto #vans


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How to arrange a loan for a second-hand car?

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Many of us prefer buying a second-hand car or a used car after obtaining a driving licence. The argument is: it is always better to go for a new car after honing your driving skills in a used car.

Also, financing the used car is no more a nightmare. A large number of lenders, both in the banking as well as the NBFC space, like HDFC Bank, ICICI Bank, Tata Capital, Magma Fincorp and Fullerton Credit, finance used cars.

However,”used car” loans are tougher to obtain. “The age of a car and its model play a key role in the financing decision for a used car. Loans for used cars on an average cost 3% more than that for a new car.

You may at best get about 75% of the value of the car as loan,” says Rajan Pental, executive vice-president (auto loans) at HDFC Bank.

Age of the car is crucial

You can get finance for any model of a new car. However, in the case of used cars, the age of the car plays a crucial role in deciding whether it is loan worthy or not.

The car model too plays an important role. If the car model has been phased out, it is unlikely that it will be financed. Most financers consider the age of the car, along with the tenure for which the borrower wishes to take a loan, before sanctioning a loan.

“The age of the car and the tenure of the loan combined together would generally not exceed seven years,” says Rajan Pental. So if a car is two years old, one can get a loan for five years.

If it is four years old, one could get a loan for only three years. “One would not finance vehicles which are more than 4-5 years old,” says Navneet Kumar Gupta, national sales head, Magma Fincorp.

Interest rates are higher

Once you have identified a car you wish to purchase and approach a bank, the bank sends in a valuation expert to calculate the value of the car.

This would be determined based on the condition of the car, number of kilometres run and the model of the car. Based on the valuation of the car, a bank or finance company would lend to you.

Г‚В

So, for example, if a Maruti Swift 2009 model is valued at Rs 4 lakh, you could get about Rs 2.8 lakh, or 70%, as loan amount.

Depending on your relationship with the bank or NBFC it could even go up to 80-90 % of the value of the car. Some banks have tie-ups with specific dealers and in some specific cases they could end up financing even 80-90 % of the value of the car.

The interest rate charged would be a combination of the model of the car, age of the car and the profile of the customer.

In general “used car” loans would cost 3% higher than new car loans. So while the interest rates for a new car loan would be 11-14 %, a “used car” loan would cost you 14-16 %.

Banks score over the non-banking financial companies (NBFCs) as their interest cost is slightly lower than that offered by NBFCs. Once a customer comes up with a proposal and his paperwork is complete, it could take 6-8 working days for a bank or the NBFC to process the documents and hand over the loan.

An organised dealer helps

A growing number of people are selling their cars to buy new cars these days because of the flurry of new models hitting the market. This means you have many options available in the used car market these days.

Today the used car market has a number of organised dealers like Maruti True Value, Mahindra Firstchoice, Hyundai Advantage. ToyotaU Trust and Automart India.

These dealers source cars, certify them and put them up for sale. “Before putting up a car for sale, these dealers do a thorough due diligence.

Their personnel look at the condition of the car, ensure it is accidentfree and take care of the documentation which ensures that the car is genuine and not stolen,” says Rajesh Sood, MD and CEO, ecardlr.com. Used cars bought from these dealers come with a warranty of six months to a year.

“Most banks and NBFCs are comfortable financing a car through an organised dealer because of the due diligence done by the dealer, which reduces the financiers’ risk,” says Banwari Lal Sharma, AVP (marketing), Carwale Automotive.

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You may have mistyped your username (Honda ID), email address or password. If you try again and are unsuccessful, click the “Forgot your username (Honda ID) or password?” link to reset your password.

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How Does My Auto Loan Refinance Affect My Credit? #standard #auto #parts


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Ask Credit Karma: How Does My Auto Loan Refinance Affect My Credit?

The Question:

Would you mind covering how or if a refinance on a car loan affects one s credit score? I am thinking of doing this, but can t find info about it anywhere. Thanks so much! Love you guys!!  Rebecca W.

The Answer:

Refinancing your auto loan can be a great way to save money, if you get approved for a lower interest rate. A good credit score is the way to get there.

When you apply to refinance your auto loan, it will cause a hard inquiry on your credit report. A hard inquiry is when a lender, credit card issuer or other financial institution does a credit check to assess whether or not to approve you for a line of credit. Each hard inquiry generally drops your score by a few points and will lessen in impact after two to three months. However, it will remain on your credit report for two years.

For that reason, you should avoid applying for several loan options at one time. Multiple hard inquiries will significantly decrease your credit score for a period of time and tell lenders that you may be desperate for credit. Instead, focus on building up your credit to better your chances for approval, finding the right lender, and doing your research to find your best loan option.

More Credit Questions?

Hash it out with other LearnVesters in LV DiscussionsAsk Away

After you’re approved for refinance, the original lender will close out the old loan and the new loan will appear on your credit report. So, when it comes to your lines of credit on your report, you’ll come out even. The only other impact your refinance can have on your credit score depends on your monthly payments; as long as you pay on-time every month, your refinance can positively affect your credit score.

In order to make sure you get the best rates possible, follow this checklist before applying to refinance your auto loan:

  • Get your credit report. If you haven’t gotten your free credit report from Annualcreditreport.com this year, get it and comb through it for any errors. The three most common errors are outdated personal information, mistaken or fraudulent accounts and incorrect account details. If you do find an error, dispute it with the credit bureaus and reporting company.
  • Take some time. The better your credit, the better your chance for approval and the more money you can save by landing the lowest interest rate. Spend the time to work on and improve your credit score by honing in on your credit card utilization rate. staying on top of payments and monitoring fluctuations in your score.
  • Research auto loans. Find the best loan for your auto refinance by comparing rates and terms with Credit Karma’s “My Savings” dashboard. My Savings gathers information from multiple lenders in one place, so you can do your research easily and see how much you can save based on consumer reviews and rate comparisons. Make sure you always read all of the details and fine print of an offer before taking it.

Bottom Line

People often refinance their auto loan to reduce their monthly payments, which extends their loan. But this approach can also mean paying more in interest over the life of the auto loan. The best reason to refinance is to get the lowest interest rate possible. Before applying to refinance your loan, do the math and make sure it’s the right move to make to save you money in the long run.

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Houston and The Woodlands Auto Glass Windshield Repair Replacement

Comprehensive Houston Area Auto Glass Repair and Replacement from Apple Glass

At Apple Glass, we specialize in state-of-the-art windshield repair and auto glass replacement for customers in The Woodlands and Houston. Your windshield is an integral part of the safety net that surrounds you when you drive. We perform durable and reliable repairs on damaged auto glass in Houston that ensure clear visibility and added protection for you and your passengers. If a full replacement of your windshield is needed, we will provide prompt service at competitive prices to get you back on the road quickly and safely. Apple Glass will work with your insurance company to find the most cost-effective solution for your Houston based auto glass repair and replacement needs.

Windshield Repairs

Your windshield is one of the primary passenger and driver restraint systems in your vehicle. In the event of a collision, your windshield is designed specifically to provide an added physical barrier between you and the outside of your car or truck. Consisting of two layers of durable tempered glass joined together with a layer of laminate material, your windshield provides structural support for your entire vehicle. As a result, even small cracks or chips in your windshield can damage its integrity and reduce its effectiveness at protecting you in a serious crash. At Apple Glass, our highly skilled technicians have the experience to determine if the damage to your windshield can be safely repaired or if a full replacement is required. Many auto insurance companies will waive the deductible if you choose repair over replacement for minor windshield damage. The expert team at Apple Glass will help you determine the most appropriate solution for your windshield damage and will work with your insurance company to reduce your out-of-pocket expenses.

Auto Glass Replacements

The auto glass technicians at Apple Glass have years of experience in replacing auto glass for residents of Houston and The Woodlands. We can replace broken side and rear windows with top quality glass approved for use on your vehicle. Our tech team uses only approved techniques and maintains the highest degree of quality control throughout the windshield replacement or repair process. Apple Glass is a certified member of the Auto Glass Safety Council, a distinction reserved for glass repair and replacement companies that maintain the high standards of quality and durability required by the organization. Our commitment to quality workmanship ensures your satisfaction with your completed auto glass repair or replacement project and allows you to buy with confidence from us. We also perform commercial and residential glass repair and replacement and install energy-efficient double-pane vinyl windows for new construction projects and as replacement windows for homes in the Houston and The Woodlands area. Whatever your glass repair or replacement needs, Apple Glass can provide top quality service for your home, auto, or commercial enterprise. Contact us today to discuss your glass replacement needs or to set up an appointment for emergency service at our location or at yours.

Tillman Automotive Company #classic #auto #parts


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Our Specials

I just want to let you know that Marek was a pleasure to work with. He did everything he could to get me into a beautiful 2012 Buick Regal. He made the process of purchasing the car very pleasant. I t

Demetrias C. 2012 Buick Regal

I found the car I wanted on line went in test drove and got the car fax. They gave me a really good deal on my trade in. I would recommend and go back. Drove off in my trade in that very day. Sales ma

OG, I really appreciate your help in getting me into a safe and reliable vehicle.You were very polite, kind, considerate and most professional. I have never experienced anything quite like the experie

Tammy 2011 Chevrolet Impala

Marek, Just a note to express our appreciation for helping us with the purchase of the 2005 Mustang. we love it and we believe we got a very dependable vehicle at a fair price; It was a pleasure wor

Tray and Melissa Carter 2005 Ford Mustang

Tillman automotive is the best. I called Marek up and told him my situation and he guaranteed he could do something for me that was in my price range. I’ve been riding for two weeks now and no problem

Joshua O. 2010 Dodge Caliber

Homeowners Insurance – Home Owners Insurance Quotes #auto #parts #stores


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Bundle and save on protection for your home and family

Plan now for the unexpected

Home insurance helps minimize repairs, replacement costs and living expenses if something happens to your house or townhome. Fire, wind, hail, lightning, theft you’re covered. Just select what you pay out of pocket if you have a claim (usually somewhere between $500 and $1,000), and your homeowners insurance policy takes care of the rest.

Peace of mind comes standard

Tailor your coverage to your home. Some information, like the year it was built and square footage, might be prefilled during your homeowners insurance quote to help you make choices.

Copyright 1995 – 2015. Progressive Casualty Insurance Company. All Rights Reserved.

We offer insurance by phone, online and through independent agents. Prices vary based on how you buy. Rates for policies sold through agents and brokers are available, and can also be retrieved, through ProgressiveAgent.com or via the Find a Local Agent button.

Progressive Home Advantage policies are placed through Progressive Specialty Insurance Agency, Inc. with select insurers that it represents. These insurers are not affiliated with Progressive, are solely responsible for claims and pay PSIA commission for policies sold. Prices, coverages, privacy policies and PSIA s commission vary among these insurers. A rate from one of the insurers can be provided through this site. Click here for a rate from other insurers or more information about PSIA s commission.

Progressive assumes no responsibility for the content or operation of the underwriting companies’ Web sites. Information provided by you to any of these underwriting companies is subject to their Web sites’ terms of use and privacy policies and will be shared with Progressive.

Product and coverage availability varies by state. All coverage subject to policy terms and conditions.

Honda Civic Parts and Accessories at #auto #loan #payment #calculator


#year one auto parts
#

Shop for Honda Civic Parts

Genuine Honda Civic Parts

Want to buy Honda Civic auto parts? Look no further than Honda Parts Now, the best place for genuine Civic parts. For decades, all of our parts and accessories are shipped directly from Honda dealers and backed by the manufacturer’s warranty, so buying from us is always risk-free.

Dedicated Service and Fast Delivery

Our top-notch customer service team is committed to provide the best assistance possible. Experienced live representatives are always available to help you by email, live chat, or phone. Every effort is made to ensure your order arrives fast no matter where in the country, so your Civic is up and running on the road.

Unbelievable Savings on OEM Honda Civic Parts

What makes us the best online Honda parts store? We always aim to be the lowest when it comes to cheap Honda Civic parts prices. You get huge savings shopping with us. Having a huge inventory, we cover a full selection of Civic OEM parts with a complete catalog.

Home – Auto Loan Calculators #auto #accident #attorney


#auto loan rates
#

Auto Loans

Recreational Vehicles (RVs and Boats)

All rates displayed are Annual Percentage Rate (APR). Loan interest rates and terms provided above are only estimates. Best Rate may vary based on personal credit history and will be provided by Bellco Credit Union upon approval of a completed loan application. Rates are subject to change without notice.

Mortgage Loans

The quotes above are only a sample of the wide variety of loan programs and rates available. Please consult a Loan Officer to discuss a variety of loan programs and rates applicable to your particular financing needs.

To view additional details regarding payment information, click on the link in the Monthly Mortgage Payment column.

Rates posted are indications only and are subject to change without notice.

Your actual rate and/or points may be different, as many factors go into providing you with a mortgage loan.

The quotes above include a 1% Origination fee.

The quotes above are based on a specific loan amount for the purchase of a single-family, primary residence. A loan amount of $175,000, with a home value of $250,000, is used for all conforming fixed rate and ARM loans. Jumbo loan payments are based on a loan amount of $575,000 with a property value of $850,000.

Today’s rates are posted on this page between 8:00 a.m. and 9:00 a.m. MST (or MDT). If yesterday’s date is listed as the effective date, the rates reflected here are unavailable.

Rates on Adjustable Rates Mortgages (ARM) are subject to change after loan closing based on an index plus a margin.

The payments listed above do not include amounts for taxes and insurance, which may increase the payment amount.

Rates Effective:7/8/2015

Tint Masters #cheapest #auto #insurance


#auto tint
#

authorized dealer

“Improving comfort, protecting vehicle interiors and the people who occupy them is a hallmark of 3M Automotive Window films. 3M invented window films in 1966 and our innovative window film products have provided protection from the sun’s harmful rays for more than 40 years. Put the innovation of 3M to work for you.”

California’s Best Vehicle Window Tinting

Whether you want to add some style to your vehicle or simply want further protection from the harsh sun, come to us to get your vehicle window tinting done quickly and reliably. We work hard to ensure that all of our customers receive top quality tinting service.

In business since 1983, Tint Masters has been offering car window tinting services to residence in Ontario, California and its surrounding areas. Our focus has always been on quality; installing the best vehicle window tinting products and offering the highest level of workmanship for the price. We offer over 30 years of vehicle window tinting experience and are so confident in our materials, that we are an exclusive 3M Dealer.

Exclusive 3M Authorized Dealer

“Improving comfort, protecting vehicle interiors and the people who occupy them is a hallmark of 3M Automotive Window films. 3M invented window films in 1966 and our innovative window film products have provided protection from the sun’s harmful rays for more than 40 years. Put the innovation of 3M to work for you.”

“There are thousands of window film dealers in the country, but only a select few have been chosen to be part of the 3M network. Our 3M Authorized Dealers are available to help solve problems such as excessive heat and glare in your vehicle.”

– 3M Automotive Window Films

For a free estimate on automobile window tinting, please call or visit Tint Masters today!

Vehicle Window Tinting provided to surrounding Areas of Alta Loma, Chino, Chino Hills, Claremont, Corona, Covina, Diamond Bar, Etiwanda, Fontana, Glendora, Guasti, Hacienda Heights, Inland Empire, Irwindale, La Verne, Mira Loma, Montclair, Mt. Baldy, Norco, Ontario, Phillips Ranch, Pomona, Rancho Cucamonga, Rialto, Riverside, Rowland Heights, San Bernardino, San Dimas, Upland Walnut

Home Page #cars #under #5000


#auto plac
#

1st Place Auto “Buy Here Pay Here with Premium Vehicles”

We know your time is valuable. We are sure you will find our site a fast and convenient way to research and find a vehicle that s right for you.

Welcome to 1st Place Auto located in Watauga (N. Fort Worth), Texas. We specialize in clean pre-owned vehicle sales. With our knowledge and experience in the automotive industry we look forward to finding the right car to meet your expectations. On our website you can view our inventory and even apply for financing. At 1st Place Auto we look forward to having you as a customer. Give us a call today, contact us online, or stop by. We in-house finance most of our autos. Bad credit? No problem – we are the bank. Click on our finance link to find out more, get approved, and drive today! Ask about our special pricing if paying with cash or if you plan on using your own financing. New inventory arrives weekly. Thank you for visiting us, we look forward to meeting you soon!

1st Place Auto sirviendo a la comunidad hispana en el metroplex de Dallas, Fort Worth Texas que no tiene credito, o tiene mal credito, repocesiones o divorcio. 1st Place Auto es donde puede encontrar financiamiento para que manaje un buen vehiculo de su gusto hoy mismo. Si usted vive en la area de DFW y tiene un enganche, pasaporte, o id y trabajo seguro queremos ayudarle! Nuestro departamento de financiamiento le conseguira el mejor prestamo disponible de acuerdo a su enganche, su estabilidad, y el vehiculo que le guste.

Home Page #buchanan #auto #park


#auto pawn
#

Home Page

Welcome to AAA Auto Pawn. Our friendly associates will help you find the used car you want at a price you can afford. Our years of experience and commitment to quality have earned us loyal customers throughout the Grand Junctionn area. We now bring that same great service to you online. Through the Internet, we can respond to your needs quickly and make purchasing your next vehicle a hassle-free experience. We guarantee it!

Our experienced buyers select only the best values from pawned cars and trucks to trade-ins, lease returns, overstocked inventory, and repossessed vehicles. We stand by every automobile we sell. Due to our low overhead, we can pass incredible savings along to you.

Every vehicle we sell has been inspected by our mechanic. You will not get a lemon with AAA Auto Sales.

We specialize in bad credit and no credit purchases! Finance with one of our reputable lenders and we will walk you through the entire process. We promise a hassle-free experience!

One-stop shopping! We can find most makes and models.

Experience Our No Hassle Guarantee!

We give a fair price for all trade-ins.

CALL US TODAY 970-242-6016

Tire Coupons, Printable Tire Coupons. #rocky #s #auto


#discount auto tires
#

Tire Coupons for the Road

Keep your vehicles safe when you save with discount tire coupons from national and local brands.

Why Tires?

Owning a car is expensive and these days auto repair and maintenance can do a number on your finances. That’s why Valpak offers a bevy of tire coupons for automotive shops all across the United States and Canada.

Local and National Brands

Whether you want to support your local auto shop with a tire purchase or prefer a national company that always carries what you’re looking for, our coupons will help keep money in your pocket either way. With our offers you can print out manager’s specials and present them in store or redeem a coupon code online for tire brands like Michelin, Goodyear, Dunlop and Bridgestone.

Trust

We know choosing an automotive service provider is an important decision. Our coupons cover tire purchases, brake service, oil changes and radiator flushes among other auto services.

Essentials for Less

Save money when you shop for tires and automotive accessories. Using Valpak coupons will save you money on items you will need to buy eventually. Why wait to buy tires when you can get them at low prices now?

Home – Canadian Automotive Industry #used #cars #dealerships


#canadian auto parts
#

Vehicles Made in Canada

The Canadian automotive industry produces light duty vehicles cars, vans, pickup trucks; heavy duty vehicles trucks, transit buses, school buses, military vehicles; and a wide range of parts, components, and systems used in vehicles of this nature. To complement its manufacturing activities, the industry boasts a well-developed vehicle dealer network, plus an aftermarket organization which has grown into a world-class distribution system and service provider.

The Canadian automotive industry is:

  • Integrated into NAFTA (i.e. Canada, U.S. Mexico)
  • Globally competitive
  • The eighth largest in the world with positive trade balance
  • A major contributor to the Canadian economy, employing over half a million people

Automotive Innovation Fund (AIF )

The program has been established to provide $250 million over five years to automotive firms in support of strategic, large-scale research and development projects to build innovative, greener and more fuel efficient vehicles.

Holiday autos: de autoverhuur met alles inbegrepen #online #auto #parts #store


#auto holidays
#

We zoeken bij 1.500 autoverhuurbedrijven om de laagste prijs voor u te vinden

Wat onze klanten zeggen

Geleverd door Trustpilot

Ik heb Holiday Autos de afgelopen jaren gebruikt om auto’s te boeken. Een gemakkelijke manier om voordelig te huren, handiger dan op allerlei verschillende websites te kijken.

Het ophalen ging gemakkelijk. Ik zat 5 minuten na aankomst bij de balie al in de auto, en het inleveren kostte zelfs nog minder tijd. Boeken bij Holiday Autos ging gemakkelijk, en ik kreeg precies de auto die ik had gevraagd – perfect!

Heb bij Holiday Autos een 4×4 (Nissan X-Trail) gehuurd voor onze vakantie van 3 weken in Kwa-Zulu Natal (Zuid-Afrika). De auto (van Thrifty) stond al voor ons klaar toen we op het vliegveld van Durban aankwamen, en het reserveren ging gemakkelijk en snel. Echt waar voor ons geld.

We konden de auto probleemloos ophalen bij het vliegveld. Een fijne auto, prettig om in te rijden en zuinig in het brandstofverbruik. De mensen van het autoverhuurbedrijf waren erg aardig en behulpzaam. Terugbrengen ook zonder problemen – alles goed geregeld.

De documentatie en afspraken waren goed, zoals altijd. Vorig jaar heeft het verhuurbedrijf me nog kosten achteraf berekend via mijn creditcard, maar Holiday Autos heeft dit opgevolgd en ik heb alles teruggekregen. Dat is een goede service.

HD Car DVR Camera Recorder – Best Dash Cameras #auto #repair #estimates


#auto camera
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Wholesale Car Video From China

Car DVR

HD Car DVR Camera

Planes have black boxes for a very good reason and thanks to technological advancements now your car can too. You will notice that nearly all police cars and a number of haulage firms have these sorts of dash cams and this is because they spend a lot of time on the road and want to protect themselves from false accusations and can use the camera as their witness. As the saying goes ‘the camera doesn’t lie’.

What Is A Car DVR Camera Recorder?

A car DVR recorder or dashboard camera as it is sometimes referred to, is a portable and specialized onboard camera, which is attached to the vehicle’s interior windscreen via a suction cup mount or sometimes can be placed over the existing rear view mirror. These car cameras essentially continuously record the road ahead whilst the vehicle is in motion or driven on the roadway.

Some of these car camera recorders are optionally fitted by the driver or the vehicle’s owner to mainly obtain video evidence in an event of an accident to support insurance claims or to protect themselves from insurance scams such as crash for cash. A variety of car DVR cameras are available on the market from basic video cameras, which captures only video to highly sophisticated ones that can also record various parameters such as date/time, speed, G-forces and location provided by an inbuilt GPS.

Why Install A One of Chinavasion’s Best Dash Cameras?

Installing a Car DVR or dash cam as they have affectionately become known provides you with a HD video recorder that can protect you and testify for you if there is an accident on the roads.

It’s key to ensure that any car digital video recorder you buy will record in high definition or HD. Look for products labeled as HD Car DVR or HD Car Digital Video Recorder. The reason being is that this ensures anything recorded is of a high quality, this means it records better images and can be reliably called upon as evidence if the worse was to happen.

Make sure that when installing an HD video recorder into your car it has a clear, unobstructed view of the road ahead without impeding the visibility of the driver. Also check the settings as most of these devices can be set up to automatically turn themselves on once the car engine starts.

The actual movies that have been recorded as well as the images you receive from a vehicle DVR are a clear representation of the facts in vibrant definition that can’t be refuted. Some of these auto cameras allow you to view high definition footage if you desire, by having a HDMI port present to connect to a HDMI television so you can get a larger and clearer picture.

Holiday Auto Care #auto #body


#auto holidays
#

Home

Welcome to Holiday Auto Care . call us for your appointment at 303-758-9222. We are Denver s premier one-stop-shop for all your automotive maintenance and repair needs. At Holiday Auto Care we provide you with high quality workmanship at a fair price. Whether you need preventative and factory scheduled maintenance. new and used tires. batteries, transmission repair. comprehensive computer diagnostics, a/c work. alignments ,  transmissions. timing belt inspection and repair or complete engine overhaul we do it all! We employ only A.S.E. Certified Technicians. Our Technicians spend at least 40 hours of training each year to keep up with the latest and ever changing technology. We have all the newest and up to date tools and equipment to ensure that your vehicle is repaired right the first time.

Conveniently located 4 blocks north of I-25 on Colorado Boulevard. We have 4 service bays that are open 5 days a week in order to better serve your automotive service needs. We are a full-service facility, we are a AAA approved Auto Repair Facility, NAPA Auto Care approved repair shop, and a fully accredited business with the BBB. All of our work comes with a 24 month or 24,000 mile warranty. Lifetime warranty available on some parts.

Tips for Buying a Used Rental Car #reliable #auto #transport


#buying used cars
#

Tips for Buying a Used Rental Car

Tight supplies of certain new vehicles and sky-high prices on recent used cars and trucks have seen those in the market for a replacement automobile turn to a number of uncommon sources. Of these, the concept of buying a used rental car is one that more vehicles shoppers are starting to take seriously.

Buying a used rental car has traditionally brought with it a certain stigma. Used rental cars are often thought of as victims of abusive driving that are treated with the least amount of care by customers with a lack of interest in preventing the kind of cosmetic damage and mechanical wear that can lower an automobile s reliability. Compounded with the popular notion that rental fleets are poorly maintained and regularly resupplied with fresh blood in order to replace disposable inventory, the entire idea of buying a used rental car is one that lives under a very black cloud.

Near record-setting prices on used vehicles with some one- and two-year old automobiles showing only the slimmest of pricing differences compared to new models have caused some previously-owned car buyers to look beyond the hype and try to find out if buying a used rental car is really as risky of a decision as pop culture has led them to believe. The actual facts surrounding used rental car quality might surprise you.

In terms of maintenance, quality standards vary from company to company, but the recent recession has squeezed even larger corporations such as Enterprise and Avis. This means that they too have gone out of their way to ensure that maintenance is up to date on their vehicles in order to get as many miles out of them as possible prior to replacement. You might actually be able to view maintenance records for the used rental car you are interested in should you be buying directly from the rental agency itself, which takes some of the guesswork out of an automobile s condition.

Used rental car prices are also typically lower than those of traditional used cars due to the previously-mentioned aura of neglect that surrounds them. If you are able to have the car inspected by a qualified mechanic, as well as obtain a vehicle history report, then you can be reasonably certain that you are buying a good quality used car at an appreciable discount. With a growing number of car dealerships counting on sales of certified used vehicles to shore up the gaps created by short supply of new models, and with used rental cars ineligible for CPO certification, the pricing difference between a certified used model and a used rental car is often substantial.

There are, of course, some caveats to keep in mind when shopping for a used rental car. You should always verify that any required safety recalls have been performed on the vehicle you are interested in, as some rental car companies defer these types of repairs. Although a rental car company must inform you of any outstanding recalls at the time of sale, you can get some additional peace of mind by bringing the automobile s VIN to a dealership for a recall history report. You should also keep in mind that some rental cars on the low end of the affordability scale are ordered as stripped down base models, which in some extreme cases has even meant that safety equipment has been deleted in order to save on the initial fleet purchase price. Double-check to make sure that the car you are looking at offers all of the must-have equipment on your shopping list.

Buying a used rental car might be a mental hurdle that is difficult to clear, but with used car prices climbing on a monthly basis, this option is one that bears looking into in order to get the best deal possible on a secondhand vehicle.

You may also be interested in.

Tire discount #car #4 #sale


#discount auto tires
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Tire discount from Tires Plus Total Car Care

Are you searching for a tire discount. To get the quality service you deserve for less, take advantage of Tires Plus Total Car Care’s special offers and discounts. No matter your tire, maintenance or repair needs, we deliver the knowledge, experience and reasonable prices needed to ensure your vehicle is performing at its best – without blowing your budget.

Saving Made Simple

When you need professional and reliable auto care for less, turn to Tires Plus Total Car Care. Not only can you save money by utilizing our valuable coupons and offers, but you can also enjoy fast and friendly service that focuses on your vehicle’s unique needs. Our complete auto services include:

  • Tires
  • Oil Change
  • Wheel Alignment
  • Maintenance Tune-up
  • Vehicle Inspection
  • Transmission Service
  • Heating and Cooling Repair
  • And much more

Book an appointment with a Smart Service Technician at Tires Plus Total Car Care today and get the tire discount your budget needs – and the excellent service your vehicle deserves. We’re ready to help you keep your vehicle – and your wallet – in check.

HD Auto Salon #auto #direct


#auto salon
#

About Us

HD Auto Salon is a result of a culmination of two car enthusiasts merging auto shops to form the ultimate car salon. With over 15+ years of combined experience from various international locations and after initially providing online sales and mobile service to our customers, we decided to open an everyday location for our regular customers. HD Auto Salon is a full service automotive enhancement facility that prides itself on providing friendly, personal service, combined with the highest quality workmanship and products. Whether it, be Paint Protection Film (Clear bra), vinyl wraps, custom vehicle graphics, aftermarket parts, window and billboard displays, rest assured you are in good hands with HD Auto Salon. We first start off with a consultation appointment to educate you on our products and services and to make sure that we capture the true expression of your individual personality. Certified by 3M and Venture Shield, we use nothing but the best products, which allows us to warranty our products and work. You can find us on 3M’s website under certified installers.

Aside from having expertly trained 3M certified installers, we have a full staff to help fully customize your project. On site, HD Auto Salon has one of the best graphic designers, with 10+ years of experience, on hand to help create a custom one-of-a-kind design for your business or vehicle.

We also work hand in hand with many manufacturers to ensure the quality of our products. From one off specialty items to full production line items, we guarantee the best bang for your buck.

Our Marketing manager and photographers cover all the main events, which keeps us up to date with the latest and greatest products for our consumers.

HD Auto Salon | All rights reserved

(408) 573-9168 | 2081 Bering Drive Unit F, San Jose, CA 95131

High Risk Auto Insurance In New York – Insurance For High Risk Drivers #auto #body #panels


#high risk auto insurance
#

High Risk Driver Insurance

New York is a dangerous place to drive. Our high population and busy roadways make driving a nightmare for some. It is no wonder that the state of New York constantly ranks as one of the most accident-prone states and also one of the highest states to insure your vehicle. If you have been made one of these accident or traffic violation statistics one too many times, you may now be considered a “high risk driver” to insurance companies. And if you are a high risk driver, then you probably know about how difficult it is for you to purchase insurance!

The reason why automobile insurers classify drivers into categories such as “high risk” and “low risk” is because they want to know how likely it is that they will make a claim. Car insurance companies in New York like insuring drivers with good driving records who pay their bills on time and never file claims. To them, these type of drivers are much less of a headache and cost less money.

Let s take a deeper look into high risk auto insurance in the state of New York.  Choose the topic you would like to read about below, or continue scrolling down to read about auto insurance for high risk drivers from the beginning!

Are you a high risk driver in New York? Continue reading below to see which auto insurance options are available to you.

Buying High Risk Auto Insurance In New York

If you have gotten into a bunch of accidents that are your fault, if you were convicted of a DUI or reckless driving, or if you have a lot of speeding tickets, however, insurance companies will not be too thrilled to accept your business. But that does not mean that insurance will be impossible for you to come by. Many insurance companies will still happily accept you as a customer (albeit usually for an expensive rate).

The first step in finding an insurance company that will accept your business is to scroll up to the top of this page and enter your zip code to get quotes from different New York auto insurance companies. By doing so, you will compare rates for high risk auto insurance from many different competitors so that you can choose the cheapest rate possible for yourself.

Unfortunately, for some New York residents, however, the average insurance company will still refuse to offer you coverage. Thankfully, as a New Yorker, there are still a bunch of options for you. Continue reading below to learn about them.

The New York Automobile Insurance Plan

If you are deemed to be too “high risk” that no other auto insurance company wants you, there is still hope. The New York Automobile Insurance Plan (NYAIP) will cover you. The NYAIP is a special insurance department in New York state that guarantees insurance coverage. Think of it as a “last resort” insurance plan for motorists who have been denied coverage due to too many accidents or traffic violations. If this sounds like yourself, you might want to give the NYAIP a call.

Be forewarned, however, getting insurance from the NYAIP should be a last-ditch effort. The coverage offered by the NYAIP is sub-par and is more expensive than the average rates. In 2012, the average NYAIP premium was listed at $2,283. It is basically a program to make sure that high risk drivers are given the option of having insurance so that they do not create an even bigger legal mess if they are forced to drive without it. As of this year, records show that over 90,000 New York residents get insurance through NYAIP.

How Can I Get Out Of The High Risk Pool?

If you do not want to be deemed as a “high risk driver,” as you obviously should, you should follow some simple steps.

  • Don t get traffic tickets or violations
  • Don t get into accidents

These things are probably pretty obvious to you. Safe driving leads to lower insurance rates. If you already made one too many mistakes, however, and you are considered to be a high-risk to insurance companies, how do you get out of it? How do you clear your good name?

Let s take a look at some of these methods:

  1. Complete safe-driving or drivers-ed courses. You might thing that these classes are for 16 year old kids, but adults can re-take these courses to get points removed from their driving record and be put back into the good graces of insurance companies.
  2. Contest old traffic violations in court. If you believe you were unfairly charged with something, go back to court and fight it. Sometimes, even if the court does not support your claim, the judge might be nice and remove it from your driving record just for showing up in court!
  3. Apply for the “Point and Insurance Reduction Program” (PIRP). One of the many perks of being a New York resident is the many government services we have at our disposal. The PIRP is a government sponsored defensive driving class that you can take online. After enrolling at completion, you will receive a 10% discount on your auto insurance rates and get up to four points off of your New York driving record.

Additional Resources

  • If you are required to fill out an SR22 form (as many high risk drivers need), please view our guide on SR22 Insurance In New York .
  • If your high risk auto insurance premiums are too high, check out our list of tips for lowering your insurance costs in the state of New York. Perhaps you can find some of those tips useful.

High Risk Auto Insurance Information #oem #auto #parts


#high risk auto insurance
#

High Risk Drivers and High Risk Auto Insurance

If you’re a high risk driver, chances are you’ve had trouble finding affordable auto insurance. It’s an unfortunate situation, but those drivers who are considered risky to insure have to pay higher rates for car insurance.

The most common classification for a high risk driver is one who has been charged with a DUI/DWI. Because these motorists are more likely to cause an accident, they will need to pay higher premiums. Be sure to visit Good2Go’s state pages to learn more about your state’s car insurance laws including DUI/DWI laws.

In addition to drivers who have been convicted of DUIs/DWIs, if your driver’s license has been suspended, you may be required to fill out an SR-22 policy in order to get your driving privileges reinstated. An SR-22 form proves that you have valid auto insurance for your vehicle. High risk drivers are more likely to carry one of these policies, especially those who have been convicted of a DUI/DWI.

A driver can also be considered a high risk if he or she falls into one of these categories:

  • Newly licensed driver
  • Young/Teen driver
  • Elderly driver (70 years or older)
  • Have no prior auto insurance coverage
  • Poor credit history
  • Live in a high risk area
  • Has multiple traffic violations
  • Involvement in car accidents

High risk auto insurance, also known as non-standard insurance, is typically more expensive to purchase than standard coverage because high risk drivers are at a higher financial risk to insure.

Luckily for you, Good2Go has specialized in providing drivers with cheap high risk auto insurance for over 25 years. We understand how important it is for you to have your car which is why we offer minimum coverage for high risk drivers. Find out if Good2Go auto insurance is available in your state by starting an online auto insurance quote or calling 1-855-MINIMO1 (1-855-646-4661).

High Risk Auto Insurance – State Farm. #auto #parts #finder


#high risk auto insurance
#

High Risk Auto Insurance from State Farm

Let’s be honest. Some cars and drivers are simply more likely to get into accidents than others. And the fact that they’re high risk is reflected in their car insurance premiums.

Get a Quote

What to Do About High-Risk Insurance Category

What to Do About High-Risk Insurance Category

First, get a free online auto insurance quote to get a realistic picture of what your cost might be, based on your driving record.

Even if you are considered a high risk for auto insurance now, here are some steps you can take that may lower your cost:

  • Take a defensive driving course. Check with an agent for approved courses.
  • Trade in your car for a model with a better safety record or safety features.
  • Follow all traffic laws. Going three years without a ticket may result in a decrease in your premium.
  • Drive defensively. Significant discounts are available if you can avoid an accident for three years.
  • Talk to an Agent or get a free online auto insurance quote to find out what State Farm can do for you if you are a high risk when it comes to auto insurance.

    See what discounts are available in your state.

    Grand Theft Auto V (Special Edition) – Playstation 3 #chevy #auto #parts


    #auto kopen
    #

    From the Manufacturer

    Los Santos: a sprawling sun-soaked metropolis full of self-help gurus, starlets and fading celebrities, once the envy of the Western world, now struggling to stay afloat in an era of economic uncertainty and cheap reality TV. Amidst the turmoil, three very different criminals plot their own chances of survival and success: Franklin, a former street gangster, now looking for real opportunities and serious money; Michael, a professional ex-con whose retirement is a lot less rosy than he hoped it would be; and Trevor, a violent maniac driven by the chance of a cheap high and the next big score. Running out of options, the crew risks everything in a series of daring and dangerous heists that could set them up for life.

    The biggest, most dynamic and most diverse open world ever created, Grand Theft Auto V blends storytelling and gameplay in new ways as players repeatedly jump in and out of the lives of the game’s three lead characters, playing all sides of the game’s interwoven story. All the classic hallmarks of the groundbreaking series return, including incredible attention to detail and Grand Theft Auto’s darkly humorous take on modern culture, alongside a brand new and ambitious approach to open world multiplayer.

    Developed by series creators Rockstar North, Grand Theft Auto V will be available worldwide on September 17th for Xbox 360 and PlayStation 3.

    Handicap Vans: Wheelchair Vans For Sale: Used Handicapped Accessible Vehicles #used #minivans


    #used vans
    #

    Wheelchair Vans – Handicap Vans – Handicapped Van Conversions

    Personal or Commercial Use Wheelchair Vans and Used Handicap Vans for Sale

    When you search our inventory of new and used wheelchair vans for sale you will find the lowest mobility van prices in the industry. We carry a wide variety and great selection of top brands like; Dodge, Chrysler, Volkswagen, Ford or Honda wheelchair vans equipped with handicap accessible ramp van conversions.

    Find or buy commercial or personal use handicap vans converted or modified by Adaptive Mobility Systems. These accessible vehicles by AMS come equipped with new side or rear entry wheelchair lifts and wheelchair ramps and carry a 5/50 limited handicapped conversion warranty.

    Need to sell your wheelchair accessible van fast? Let your family and friends know that we buy handicap vans and take non-modified vehicles on trade anywhere in USA. The process is fast and easy so get a buy, sell or trade quote today for your used cars, trucks, SUV s, Toyota Sienna Minivans, Braun handicap vans, Honda Odyssey Vans VMI Northstar in-floor wheelchair vans. AMS Vans, Inc is America s leader in providing mobility solutions when you need to buy or sell used handicapped vans with accessible wheel chair ramps and lift van conversions.

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    Tire Test: The Quick and the Tread – Comparison Tests #auto #dvd


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    We test 11 of the big names in street tires.

    Comparison Tests

    Finding the right tire for your ride is like trying to pick the right mattress for a good night’s sleep. You know that buying the wrong one can have dire consequences, but you can get dizzy just wading through the jungle of choices. And unlike mattresses, you can’t take new tires for a test run. That’s where we come in.

    First off, we decided against evaluating the popular all-season tires in favor of an examination of 11 high-performance ones, what are labeled in the industry as “maximum performance” tires. If you’re like us, you want to know which tires will best contribute to the performance of your vehicle, accepting the inevitability of having to switch to snow tires when the white flakes appear. Even if your home turf is snow-free, you still have to deal with driving in the rain. Hence, all the tires here were put through three wet tests and three dry tests.

    Testing tires is a difficult job (and probably the reason we haven’t conducted such a test since 1989). But tires are a most critical part of your car, your only connection to the road. There are many difficult-to-control variables that affect tire performance and make accurate testing a challenge. For one, the temperature of the track surface, which can have a significant effect on how a tire performs, can vary widely over the course of a day.

    To minimize these variables, we enlisted the help of the Tire Rack, a tire and automotive-accessory business that was created in 1979 by a couple of autocrossers Pete Veldman and his son-in-law, Mike Joines who found it tough to locate high-performance tires for their hobby. The business took off, and in 2001, the Tire Rack built a 530,000-square-foot warehouse and a small test track in South Bend, Indiana. The company keeps a fleet of three BMW 325i’s that it uses to perform its own tire tests to educate its sales force and regularly posts the data on the Web at www.tirerack.com (888-541-1777).

    The Tire Rack generously offered us the use of its BMWs for our test. The 325i is a wonderfully balanced car, and its handling is so consistently predictable that we felt sure we’d get a clear idea of what the tires were doing as we put them through the tests. The required tire size 225/45R-17 is made by the 11 brands we wanted to evaluate. We used BMW’s recommended tire-pressure settings of 29-psi front and 35-psi rear for all our testing.

    Although the track we used is small its longest straight portion is only 456 feet it’s lined with sprinklers that can soak the asphalt and simulate driving in rain. The 0.3-mile autocross course has five timing beacons that provided a total time for each lap and segment times along the way. One of those segments was a long, constant-radius turn that allowed us to calculate maximum lateral grip during each lap.

    It took three days to perform all the tests. On day one, we did wet and dry brake tests. We accelerated to 50 mph and then braked to a standstill. (We were unable to drive to our traditional 70-mph mark because there simply wasn’t enough track.) There was a benefit to that lower speed: It ensured that we were measuring the braking performance of the tires and not just brake fade.

    Over the next two days, when we performed the wet and dry autocross tests, we were joined by Spencer Geswein of Full-Lock Industries. Geswein and Brian Smith formed Full-Lock in 2001 and offer a variety of driving-related services that include instruction, testing, and racing (www.full-lock.com ). Both men spent at least 10 years testing tires for Michelin, so we figured that kind of experience would uncover some subtle tire traits that we might miss. And in case you’re thinking Geswein might play favorites, he asked that we not tell him which tires he was driving on, so his testing of the 11 brands was done blind.

    Geswein drove three laps through the autocross course, and then we drove three laps in dry and wet conditions. We averaged the six dry and six wet laps to come up with a time for each tire’s performance on wet and dry surfaces. In the end, we had performance results for six tests: braking, autocross, and lateral grip each in wet and dry conditions.

    We gave the top-performing tire in each test a score of 100 and scored the rest on their relative performance. For example, the tire that had the highest dry lateral grip of 0.95 g scored 100 points, and the tire placing last with 0.88 g received 92.6 points (0.88 is 92.6 percent of 0.95). We then added the scores from all the dry tests to arrive at a dry-performance rating and did the same for the wet-test results.

    Things were more complicated when it came to determining the finishing order of the 11 tires. In addition to factoring in the wet and dry scores, we gave points based on a tire’s price (we used the typical selling price in our calculations) and tread-wear grade, which is a rough estimate of how long a tire will have usable tread. For the price and tread-wear ratings we used the same proportional method.

    But the categories were not all weighted equally. Our test focused on measuring performance, so we decided that results in the dry lateral grip, for example would carry the most weight. Wet performance is important, but less so for the purposes of this test. The price and the tread-wear scores had nothing to do with performance, but who doesn’t consider what something will cost before buying?

    After a lot of debate, our scheme worked like this: The proportional weighting for tread-wear and price scores was cut in half, the wet scores were not changed, and we doubled the dry-performance scores. And that’s how a tire’s overall ranking was calculated for this test.

    Should you disagree with our rating method, we’ve presented all the data in graphical form so you can decide what’s important to you.

    Before you jump to the results, a few more things: The BMWs are rear-wheel drive, and our subjective comments might not be completely applicable to front-drive cars, which typically have handling characteristics different from the BMWs’. We didn’t test the tires for ride or noise characteristics, two traits tiremakers may consider as important as performance. We figure those two traits would be secondary for drivers interested in speed.

    When the three days ended, we had a mountain of data and sore backs from changing tires 33 times. We hope you find the information useful.

    What Makes a Tire Work?

    Tires are much more sophisticated than they look. Although the basic construction of every tire here is the same there’s a carcass of polyester or rayon fabric with steel cords baked inside the rubber there are countless detail differences that affect how a tire performs. The most obvious is the tread design. Tires with large grooves generally expel water from roadways more effectively. The larger and deeper the grooves, the better the tire is able to resist hydroplaning.

    But those large grooves don’t help on dry surfaces, where the more rubber a tire puts on the road, the better it grips. Think of a slick racing tire that has no grooves. Then take, for example, the BFGoodrich tire in this test. It has large tread blocks, not many grooves; as a result, it’s great in the dry but not so hot in the wet.

    We’re oversimplifying here, because the chemical makeup of the rubber known as compound also has a profound effect on grip in both wet and dry conditions. Usually, a compound that’s effective when the road is wet can overheat and get greasy when the road is dry. That’s why we experienced a few tires that excelled in the wet but not in the dry and vice versa.

    A tire, like most parts of a car, is a compromise. Make it great in the wet, and it more than likely sacrifices dry performance, and that’s why we didn’t come across one tire that was able to ace all the tests.

    Still, there are countless other variables for tire engineers to consider. For example, the construction of that inner carcass can be made stiff for precise feel or compliant for a good, comfy ride. And the construction can have a marked effect on performance.

    Don’t forget noise, durability, and appearance considerations, too. It’s enough to make us glad we’re not tire engineers.

    Wholesale Cars Ltd – Valuations, Fleet Management, Vehicle Sales, Auckland NZ #government #auto #auctions


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    Vehicle Transportation

    About Wholesale Cars

    Wholesale Cars is a wholesale car company operating out of Auckland with clients all over New Zealand. The majority of our business is suppling wholesale vehicles to the dealer network. We offer a few carefully selected cars on an occasional basis for sale to the general public. We also work with Finance Companies providing independent valuation’s on distressed assets.

    Corporate Customers – Fleet Disposal

    We work with large and small Corporate Customers with fleets from 5 cars to 500 cars on the disposal and purchasing of their fleet. This involves having multi-channel options for disposal and, thanks to our industry knowledge and contacts, the ability to negotiate favourable rates on the customers behalf.

    With our industry knowledge we are able to work with you on purchasing your fleet. We have contacts in many brands of vehicles and can negotiate favourable purchase rates and manage the purchasing process for you. Most people are busy and don’t have the time to do all the running around. We figure out what you are looking for, provide the options for you and negotiate favourable pricing. You then decide what you want and we make it happen.

    This applies to both purchasing the vehicles outright and the leasing option.

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    We’re a proud member of the Allstate family, which means we’re backed by the strength of an experienced and established industry leader. What’s more, we have an A+ rating from A.M. Best, a respected industry rating organization. When you need us most, you can count on Esurance to be there.

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    Government-Sponsored Car Insurance for Low-Income Families

    On average, low-income households spend a disproportionately high percentage of their annual income on car insurance. Considering that car insurance is required in most states, it is a necessary expense.

    As of this writing, California, New Jersey, and Hawaii have low-income auto insurance programs.

    California’s Low Cost Auto Insurance Program

    Made part of California law in 1999, California’s Low Cost Automobile Insurance Program (CLCA) is designed to provide liability car insurance at affordable rates to income-eligible drivers.

    To qualify for the CLCA. you must:

    • Meet income eligibility requirements.
      • Income eligibility* depends on the number of people in your household and the combined income of all members of the household.
    • Have a good driving record.
    • Be at least 19 years old.
    • Have a current valid driver’s license.
    • Own a car:
      • Valued at $20,000 or less.
      • With no unpaid loans.

    Annual premiums vary from county to county but the highest premium is capped at $388.

    Coverage limits provided by the CLCA are lower than the CA’s standard minimum requirements for car insurance. However, drivers in the program are exempt from meeting those requirements.

    CLCA coverage limits are as followed:

    • $10,000 for bodily injury or death per person.
    • $20,000 for total bodily injury or death when multiple people are hurt in an accident.
    • $3,000 for property damage.

    * To check your eligibility and find out the premium rates in your county, visit the CLCA website.

    New Jersey’s Special Automobile Insurance Policy

    The Special Automobile Insurance Policy (SAIP) is New Jersey’s initiative to help provide car insurance to low-income drivers.

    You can apply to SAIP through most insurance agents in New Jersey.

    To be eligible for SAIP you must:

    • Currently be enrolled in Federal Medicaid with Hospitalization.
    • Have a current valid driver’s license.
    • $360 per year if you pay up front.
    • $365 per year if you pay in two installments.

    SAIP covers your emergency treatment immediately following a car crash, in addition to costs related to serious brain or spinal cord injuries up to $250,000.

    SAIP does not provide you with liability auto insurance coverage, or other medical costs that would be covered through Medicaid.

    If your Medicaid is canceled during coverage, you may keep your policy, however, you will not be able to renew a SAIP policy once your current policy has expired.

    For more information about New Jersey’s Special Automobile Insurance Policy, visit the New Jersey Department of Banking Insurance website.

    Hawaii’s Low Cost Disability Auto Insurance Program

    According to Hawaii state law, any driver or person unable to drive due to permanent disability who receives public assistance involving direct cash payments may receive free personal injury protection and liability insurance from the state.

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    Google Launches A New Tool To Sell Car Insurance To U. S Web Searchers #auto #connection


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    Google Launches A New Tool To Sell Car Insurance To U.S Web Searchers

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    Confirming earlier reports that Google has been plotting a move to help sell consumers auto insurance in the U.S. the search giant announced this morning it’s launching a new feature called “Google Compare for Auto Insurance ,” a comparison-shopping site that lets you compare the rates from different insurance providers. The option to compare rates will begin popping up after a consumer does a Google search for “car insurance” using Google’s search engine. Initially, the service is being made available to California residents, but Google says other states will soon follow later this year.

    Consumers who enter in this search query will see a small, gray questionnaire appear, asking for their zip code, and other information about their vehicle. If they choose to fill that out, Google will return a comparison unit listing insurance premiums, provided by its insurance advertiser partners. Alternately, users can also go to www.google.com.com/compare to kick off the same experience and get quotes.

    Google’s insurance partners, which include Mercury Insurance and MetLife, as well as local providers, is based on a flexible cost-per-acquisition (CPA) model, Google notes, adding that payment isn’t a factor in ranking or eligibility. The insurance providers can also use the service to highlight what makes them unique, as the Compare product has a field where they can mention their differentiating features – like safe driver discounts, or “A”-rated customer service, for example.

    Today, Google already provides auto and travel insurance quotes, as well as mortgage quotes in the U.K. and it operates a credit card comparison site in the U.S. all of which fall under the “Google Compare” branding. However, recent job postings have hinted at Google looking to bring a similar mortgage comparison service to the U.S.. and Forrester also said earlier this year that it expected Google would roll out a car insurance comparison service in Q1. beginning with California.

    The auto comparison U.K. site has been live since 2012, but the U.S. launch has continually been pushed back. However, as of this January, Google Compare Auto Insurance Services, Inc. was licensed to do business in more than half of U.S. states. Forrester noted. The firm also found that Google was working with San Francisco-based car insurance comparison startup CoverHound. and speculated they had been acquired – a guess that CoverHound shot down soon after.

    Google says that its comparison technology was built in-house, but did confirm it’s working with “many partners” including CoverHound and Compare as part of the quote aggregation process.

    The move to offer insurance comparisons to web searchers could help Google generate additional revenue through commissions, but several of the major insurance carriers in the U.S. have been declining to work with Google on this new effort, we understand, including names like Progressive, State Farm, GEICO, and Allstate. (We asked Google if it would list its current partners, but the company declined. However, its website lists the logos of several providers including The General Insurance, 21st Century Insurance, Infinity, Kemper Speciality, Titan Insurance, Stillwater, CSE Insurance Group, and others.)

    “Many of the major carriers are very resistant to participate on the Google Compare platform,” explains Joshua Dziabiak, a co-founder at car insurance comparison startup The Zebra. “Based off what they’ve built in the U.K. carriers see this as a price-only comparison…and they don’t want to be compared only on the price,” he says.

    More Data For Google’s Self-Driving Car Biz?

    It’s unclear how much revenue Google would generate from this auto insurance comparison site, as consumers may not be prepared to buy from an aggregator like this at present. But auto insurance companies write $175 billion in premiums for private passenger auto insurance yearly, and the typical insurance commission is somewhere around 10%. (Some of that may be shared with partners like CoverHound, however.)

    But for Google, the comparison site may not be just about an additional revenue stream – it could be about collecting more information on how the different insurance companies price the same risk. Google can use that information if it wants to underwrite auto insurance itself in the future.

    “If you think about what’s going on with self-driving cars in the future, Google is really going to have to understand how insurance companies price risk because the whole model is going to change,” notes Forrester analyst Ellen Carney. “And I imagine that some component of insurance is going to be included with the car,” she adds.

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    Designated trademarks and brands are the property of their respective owners. Global Insurance Auction is a trademark of Online Remarketing Solutions.

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    Get ** THE CHEAPEST CAR INSURANCE ** deals for smart drivers! #used #cheap #cars


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    Looking for The Cheapest Car Insurance

    Liability car insurance is required by law, but there are other reasons to carry a policy. Most lenders require full coverage insurance if you are buying a car. Plus, it protects you in the event of an accident even if you are not at fault. However, car insurance often is expensive and can take a chunk out of the budget, especially if you have more than one driver or multiple cars.

    Time-consuming and Challenging

    Looking for the cheapest car insurance can be a challenge for the busy person. It requires them to input their information over and over on various company websites or call insurance providers to get quotes. In the end, many people get frustrated and settle for the first reasonable quote they receive. Unfortunately, they may be missing out on a good deal because they didn’t have the time to spend on research.

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    The key to getting the cheapest car insurance possible is to put as much information as you know to get more accurate quotes. For instance, including your zip code allows us to search for quotes based on where you live, which can have an impact on the prices you receive. By providing as much information as possible, you can view the results in the comparison chart and know where you save the most money.

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    About Go Auto

    Go Auto is Western Canada’s largest Car Dealership Group. We aren’t a broker or buying service, we actually own 35 different car dealerships across Western Canada. Some are branded as Go Dealerships, and some are not (yet), but they all offer the same unparalleled, customer focused car buying experience. We want to change the car buying experience by more. starting with the customer, which is why Go Auto Dealerships offer services and values no other Car Dealer Can.

    We are a privately owned company based in Edmonton, Alberta and our dealerships and other divisions employ over 2,000 hardworking and happy to help Canadians.

    We own Dealerships that carry 18 Different Brands of New Vehicles. All our New Vehicle dealerships also have full Service and Repair facilities for your vehicle. We also have 2 RV and Trailer Dealerships, 3 Premium Used Vehicle Dealerships and 1 value Used Vehicle Dealership.

    We have over 8,000 New and Used Vehicles in stock at any time and in most cases can move vehicles from 1 dealership to another for you so you can purchase the vehicle you want, where you want.

    To help our customers ever more, we also started a financing and leasing company, Go Finance, so customers can get a car loan directly from us, without dealing with a bank or different 3rd party. We still work with 15 other banks and vehicle financing companies to make sure you get the best possible interest rate or vehicle financing option.

    We even started an Insurance brokerage, Go Insurance, so you could get a free competitive Car Insurance quote right at most of our dealerships. One stop shopping for both your vehicle and your insurance needs. less

    Getting the Best Car Refinance Rates. #used #auto #loan


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    Getting the Best Car Refinance Rates

    Times are tough and you need to try and save some money by getting a better car refinance rate than you re currently paying. Most banks and lenders will allow you to obtain an auto loan refinance if you ve had your current loan and are in good standing with it, for two years. Listed below are some steps you can take to ensure that you receive the best rate possible.

    Refinancing at a lower interest rate not only saves you money, it can also help you pay off your loan more quickly. The refinanced loan pays off the old loan and you end up owing less than would have been the case otherwise. You may be able to get lower car refinance rates. It s a simple process, if you follow these steps.

    Check Your Credit Report

    Your current credit rating is going to be the single biggest factor in determining what sort of rate you can hope to receive when obtaining any sort of credit, auto loans included. Contact at least two of the major credit bureaus (Experian and Equifax) and request a credit report. Review it for accuracy and challenge anything you don t recognize. Make sure you research the report so that you have all the information required when challenging a credit report entry.

    The lower your score, the higher an interest rate you re going to be charged. If your score is above 600, you may qualify for a lower car loan interest rate than you currently have. If it is below 600, you probably won t find anyone who will refinance your auto loan for less than you re already paying. Work on your score before you try again, to get a better rate.

    Shop Around

    Once you know your credit score, select an appropriate lending institution. If you belong to a credit union, go there first, as they operate similarly to a co-op. The goal is to help its members, not its shareholders, and will often offer lower rates. If a credit union is not an option, shop around at local, smaller banks, which often seek new customers more

    Some lenders will offer what looks to be a great rate and low monthly payments but will hit you with a large balloon payment at the end of the loan. Others will only refinance for a specific, shorter period of time than a new loan.

    A good refinance car loan rate can greatly lower the amount you end up paying for your car. Over the course of an auto loan, that can amount to hundreds, even thousands of dollars.

    Loan Length

    Shopping for a loan with a longer payment period can be a catch-22. Unless you receive a significantly lower car refinance rate, you may end up paying quite a bit more if you refinance at a slightly lower rate with a 60-month loan. Having a longer loan period can and usually will give you lower payments, but you need to remember that the interest will accrue monthly, which means that the longer you re paying for, the more money you will be giving to the lender, instead of keeping it in your pocket.

    Read the Contract

    Now that you ve narrowed your possible lenders down to two or three, you need to request copies of the contract that you d be signing for the loan, in order to read the whole contract completely, including the fine print. Many times lenders will hide information concerning extra fees and penalties in the fine print because most people won t read it. If you have any questions regarding the contract, be sure to have them clarified and answered by the lender before you sign the contract.

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    Whether you plan on using your current lender or another one, you ll need to know how much is due as a total payoff amount and whether there will be an early payment fee or charge. This early payoff fee is how lenders protect themselves and their profits. Some credit contracts specify a time frame during which you can pay off your loan without being penalized, while others will charge an early payoff fee any time before the final payment is due.

    If your current loan has an early payoff fee, you will also need to verify that you will be saving money by refinancing.

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    You Don’t Have to be Perfect to Buy a Car

    The recent recession left many good people with blemished credit. Those who had always paid their bills found themselves out of work, over-extended and out of options. Many lost their homes. Many more lost their good name.

    If that describes you, and you’re looking to buy a new or pre-owned car, truck or SUV, we may have good news.

    Let’s Meet Face to Face

    GO specializes in auto loans to borrowers with imperfect credit. Borrowers that we trust have a bright future.

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    We only make auto loans. We understand cars and car buyers, which allows us to work faster and smarter. Nobody understands car finance better than us.

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    Not everyone will qualify, which is great news for those who do. It means we can offer auto loans at attractive rates, not the extravagant terms you’ll find elsewhere.

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    These and many more.

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    Germany Car Rental: Cheap deals with Sixt rent a car #repo #cars #for #sale


    #auto rental
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    Car Rental Regions

    Sixt is the leading car rental provider in Germany known for our premium services. We have convenient locations throughout Germany where you can take advantage of our affordable rates and extensive fleet. With our top quality, top brand rent a cars you have the chance for a first class driving experience.

    Rent a car in Germany with Sixt

    Our branches across Germany are ready to get you behind the wheel and on the road. We offer a large selection of vehicles that can cater to just about any travel needs. Choose from our compact cars and sedans, sports cars and convertibles, SUVs, and vans and trucks. We also offer great deals on useful add ons and upgrades so you can easily have the chance to customize your car rental. Include extras such as GPS, child seats, additional drivers or more when you book online or over the phone. Please be aware that although we cannot guarantee you to receive a specific model you will receive an equivalent vehicle in your chosen car category.

    Driving Rules in Germany

    While driving in Germany there are some rules and regulations that you should be aware of in order to have a safe experience in your Sixt car rental. Some things to be keep in mind while traveling in Germany include: The German autobahn does not have a speed limit. Use caution when changing lanes to pass cars since some drivers can reach speeds of up to 125 mph (200 km/h) and approach very suddenly. The suggested speed on the autobahn is 80 mph (130 km/h). The speed limit is 31 mph (50 km/h) in cities and 62 mph (100km/h) on highways.

    We hope you enjoy the drive in your car rental from Sixt!

    What to see with your car rental in Germany

    There are many historical and scenic routes to drive when you rent a car in Germany. The German Wine Road is one of the oldest routes in the country, stretching 50 miles through vineyards, villages and the hills of the Palatinate Forest. You can also make a trip down the German Castle Road and see over 70 castles, or take in the picturesque countryside with a drive down the Romantic Road. Rent a car with Sixt in Germany and freely see the sights, from vibrant cities to beautiful nature, and everything in between at your own pace. Travel in comfort and style with Sixt!

    * more than 450 Locations in Germany

    Fresh Start Loan #auction #cars #for #sale


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    Fresh Start Loan

    You might not have perfect credit, but there are times you definitely need money fast. Up to now, predatory payday lenders were your only option. But now you can skip the enormous fees with a Money One Fresh Start Loan.

    Summary

    • Avoid payday lenders, which add enormous fees on top of loan
    • Fresh Start Loan can help repair bad credit
    • Credit history does not affect decision-making
    • Credit report will not be pulled
    • $35 application fee is far less than payday lender fees
    • One $500 loan per 12-month period
    • Maximum of 3 Fresh Start Loans per member

    Eligibility

    • Must be a Money One member for at least 3 months
    • Have a minimum of 3 months verified employment (non-seasonal)
    • Make contact with BALANCE Financial Fitness prior to receiving funds
    • Have never caused a financial loss to Money One
    • Proof of income required
    • Must keep loan at least 6 months prior to payoff to qualify for another Fresh Start Loan
    • Monthly payments are set up as automatic deposit or payroll deduction

    A separate sub-savings account is required to open along with the loan. An automatic deposit from your payroll will be made into this savings account equal to the monthly payment on the Fresh Start Loan. This is designed to help you build a savings account for future needs while meeting your current needs.

    Get the Best Car Insurance Rates #payment #calculator #auto


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    Get the Best Car Insurance Rates

    Get the Best Car Insurance Rates

    Everyone knows you should carefully shop around when buying a car, but all too many drivers neglect to purchase insurance with the same level of care. Failing to thoroughly comparison-shop can leave you paying more than you need to for coverage, and far from getting the best car insurance coverage for your needs.

    Below are tips to help you seek out the best insurance coverage at the lowest rate.

    What Is Good Car Insurance?

    Getting cheap car insurance does not necessarily mean you bought the right type or amount of coverage.

    Having “good coverage” means you don’t find yourself paying significant amounts of money out of pocket after an accident.

    When you have found the right insurance provider:

    • You’ll feel assured that you’ll be able to handle the financial costs after an accident.
    • You’ll feel comfortable knowing you’re not overpaying for your car insurance.

    Comparison-shopping for car insurance can help you make sure you’ve picked the right insurance coverage.

    Deciding on the Best Insurance Coverage

    You need car insurance to comply with state laws, to satisfy your lender or leaseholder, and to protect your assets.

    Each state has different financial responsibility laws that dictate the least amount of insurance you must have. However, unless you have very few assets, the smallest amount of insurance is most likely not enough coverage. Talk to your insurance company about how much coverage and what types of optional insurance coverages might be right for you. These typically include:

    • Comprehensive.
    • Collision.
    • Medical payments.
    • Uninsured/underinsured motorist.
    • GAP coverage.
    • Towing and labor.
    • Rental reimbursement.

    NOTE . If you have a loan or lease on your car, it will typically come with coverage requirements. Be sure you understand these when reviewing your loan/lease agreement.

    For more information on what your state requires, please visit our section on state car insurance requirements.

    What if I Have a Loan?

    While commonly believed, it is actually a myth that your car insurance will pay off your loan if your car is totaled. In reality, it will pay the fair market value.

    The fair market value, or actual cash value, is the sales price minus depreciation. A car depreciates at a surprisingly rapid rate. In fact, just driving a car off the lot after purchase decreases its value by an average of 11%. During the first 5 years, the car’s value depreciates by an average of 15% to 25% every year.

    In the event of a serious car accident, you can be left with substantial costs due to normal depreciation. This is where GAP and loan/lease coverage come in.

    To protect yourself from having to pay a loan on a car that no longer functions, you can purchase either:

    • Guaranteed Auto Protection (GAP) insurance – Covers the difference between your insurance payout and what you still owe on your car loan after insurance pays, without any maximum limits.
    • Loan/lease payments coverage – Also covers the gap between what you owe on the car and its current value, but only covers a percentage of your car’s actual cash value in the event of a total loss. This might not be enough to cover the gap between your loan and the cash value.

    Shopping Smart

    Ratings

    Like most consumer purchases, different insurance companies charge different premiums for the same insurance coverage. However, all car insurance companies do not give the same level of service or share the same rankings.

    Insurance companies are given a Best Insurance Ranking provided by the A. M. Best Company. Since 1899, the A.M. Best Company has provided ratings of insurance companies based on their financial stability. The stronger the rating, the more likely the company is able to pay if you file a claim.

    Rankings range from AAA down to D.

    Sales Methods

    Insurance companies use one of three methods to sell their policies.

    1. Exclusive agents. These agents only sell the products of a single insurance carrier.
    2. Independent agents. These agents represent many companies and can give you multiple quotes on car insurance to compare.
    3. Direct market. Sales are usually with one company and completed over the Internet, phone, or by mail.

    All three sales methods have their merits. The most important thing is to get multiple quotes from the insurance companies you feel most comfortable comparing, as insurance rates can fluctuate widely from insurance carrier to insurance carrier.

    What to Notice

    When you compare car insurance companies, you should pay close attention to the following:

    • The premium. This is the monthly cost for your car insurance.
    • Applicable discounts .
      • One company may offer you discounts that others did not.
      • Ask each insurance company you speak with about car insurance discounts for which you may qualify.
    • A. M. Best Rating. This rating indicates the financial strength of an insurance company and their likelihood of paying on your claim.
    • Customer service.
      • Most state insurance departments have lists of complaints against insurance companies. These complaints are frequently referred to as “valid complaints.”
      • The higher the number of complaints or the complaint ratio, the higher the likelihood of the company violating a policy, contract, or statute.

    Doing your research when shopping for car insurance quotes can ensure you get the best rates, great coverage, and stellar customer service. In contrast, neglecting to comparison-shop can leave you with a policy that does little for you in the long run and can hurt financially if you get into an accident. Informed consumers always get the best deal.

    Get Online Auto Loan Quotes #automobile


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    Auto Loan Quotes Online

    A new car is usually one of the biggest investments you will make, second only to purchasing a home for most consumers. In fact, the National Automobile Dealers Association reports that the average cost of a new car is now $28,400. Very few people can afford to pay this kind of money in cash, which is where car loans can help. On onlinequotes.com, we will provide you with up to five free quotes on car loans so you can find the perfect loan for you.

    Upside-Down on Your Car Loan

    Being upside down in your car loan is typical for many Americans. There are ways of avoiding that negative and uncomfortable position, however if you are prepared when you buy your car.

    Which is Best: Auto Loan or Auto Lease?

    To lease or to buy a car? It really all depends on what you plan to use the car for and how long you plan to keep it. Find out the benefits and negatives of each.

    Can You get an Auto Loan with Bad Credit?

    Are you one of the thousands of people who have a less than perfect credit score? Don’t worry, you can still qualify for an excellent auto loan with a bad credit score. Learn about some of the ways you can get around your bad score here!

    Get an Insurance Break for Driving a Hybrid

    There are a number of reasons to drive a hybird vehicle, aside from the obvious reason: to leave less of a footprint on the environment. The federal government is now offering tax incentives for purchasing these vehicles, which is just more incentive to take advantage of the cost savings.

    A Brief History of Porsche

    Title Check – Look before you buy #free #auto #insurance #quotes


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    Title Check – Look before you buy

    Welcome to Title Check!

    Here you can select an approved provider to check the Vehicle Identification Number (VIN) of the vehicle you want to purchase to find out if it is salvaged, rebuilt, or was damaged in a flood. This is one of the most important steps you can take to protect yourself before making your purchase.

    Here’s what you do to complete a Title Check:

    1. Get the VIN of the vehicle you want to buy.
    2. Have your credit card available.
    3. Select one of the approved providers below. Prices begin at only a couple dollars so you may want to shop the vendors before making a selection. Be sure to note what is offered for the price.
    4. Follow the steps to obtain the report.

    The VIN is run through the National Motor Vehicle Title Information System (NMVTIS), a national consumer protection database that provides title information from states across the country. Whether you are buying from a local dealer, individual or eyeing a vehicle from an online auction website, it will help you to know what you are buying before you pay any money or sign any paperwork for the vehicle.

    A report from the NMVTIS database gives you the vehicle’s title history, which includes whether the vehicle was ever in the possession of a junk or salvage yard or declared a “total loss” by an insurance company.

    Protect your title, Texas.

      For Consumers