List of Top Car Insurance Companies


#list of auto insurance companies
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List of Top Car Insurance Companies

Esurance

Esurance offers great prices and great rates compared to other insurance companies as well as a simple and easy-to-use online interface with little to no lag time. Customers can change their policy and pay their premium online; therefore convenience is one of Esurance’s best features. Online reviews indicate that their email and phone response time for customer service inquiries was slow, but the convenience factor, in terms of initial policy set-up and payment options, was exceptional. (See References 3) Esurance offers auto, motorcycle, home, renter’s, health and life insurance with very competitive rates .

Geico

In terms of brand recognition, Geico has most definitely done the best with its marketing, from the Cavemen campaign to the Geico gecko. The company’s website is very user-friendly, and offers insurance in all areas, including home, condo, renter’s, motorcycle, umbrella, ID theft, RV, commercial auto, ATV, boat, overseas and flood. Geico has a reputation for outstanding customer service and extremely competitive rates as well as knowledgeable agents.

Progressive

Progressive insurance has long been known as the high risk car insurance; most recently, Progressive has developed a reputation for offering free quotes as well as quoting competing insurance companies’ rates. Many former and current clients of Progressive car insurance state they have always been happy with the service and the rates even after a collision that was their fault. (See References 2) Progressive has a reputation for being fast, friendly and fair; the types of insurance offered by the company include renter’s, homeowner’s, car and motorcycle.

Allstate

Allstate’s insurance agents are highly regarded as being knowledgeable, and the company has easy-to-comprehend policies and plans. Allstate’s prices and rates are very competitive in the car insurance market as well. Allstate has marketed their insurance policies to reward drivers for having a clean record and avoiding accidents. The company also offers other types of insurance including life, homeowner’s, renter’s, motor home, boat, motorcycle and snowmobile. Allstate has a very user-friendly website which customers and clients can use to access their account as well as change coverage on their policies.

State Farm

Like a good neighbor, State Farm is there is the slogan that has made its way into people s heads since Barry Manilow first sang it in 1971. While State Farm s rates aren t as competitive as other car insurance companies’, current and former customers consider State Farm agents to be knowledgeable; and if they don t know the answers, they are resourceful enough to find answers them. The different types of insurance offered through State Farm include homeowner’s, renter’s, health, disability, life and supplemental medical.


The Complete Guide To Buying A Used Car: How To Negotiate Prices


#buying used car
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The Complete Guide To Buying A Used Car: How To Negotiate Prices

So you’ve done your research, selected several makes and models of vehicles in your price range to test drive, test driven them and now you’ve narrowed your search for a used car down to just one vehicle. It’s fun to drive, it’s reliable and for the money it’s about as close to perfect as you’re going to get. Now the only thing you need to do is pay the seller for it and accelerate off into the sunset. Simple, right? Sure, as long as you don’t mind overpaying. (If you’re planning on going for a new model rather than a used, check out How To Negotiate A Great Price On A Car .) The interesting thing about used vehicles is that their prices are anything but concrete. No matter what the seller is asking, you can almost always get away with paying less. This is because used cars don’t have the same exclusivity as new cars. They’ve seen miles, they’ve been through rough seasons and most importantly – they depreciated in value the minute the original owner drove them off the lot. All of this adds up to leverage for the buyer. As a result, there is no reason to pay sticker price for a used vehicle.

Of course, it’s easy to say that you won’t pay sticker when you’re reading this at home. Actually convincing your seller to accept a lower price is something else entirely. Though negotiating the price of a used car isn’t difficult if you’re buying through a private seller, it can be a daunting task if you’re trying to talk down a dealership. If the latter applies to you, use this guide to help you stand your ground and successfully negotiate a lower price for your next car.

Determine How Much It’s Worth

A used vehicle is only worth what someone is willing to pay for it. Consequently, the first step towards negotiating a lower price for your next used car is to figure out exactly what other consumers are paying for it. To do this, you simply need to consult the Kelly Blue Book.

For years, the Kelly Blue Book has been the premier index of used vehicle values. Simply enter your car’s make, model, mileage and production year into the Blue Book’s online search tool and you’ll be able to see all you need to see to make a good valuation. The Blue Book lists how much the car is worth in various conditions, how much it sells for in your area and the lowest price a dealer should accept.

If you want a second opinion, you can also visit Edmund’s True Market Value calculator. Much like the Blue Book, the TMV provides you with the average selling price of a vehicle across a range of categories. In this case, you can see what you should expect to pay buying it certified pre-owned from a dealership, buying it non-certified from a dealership and buying it from a private seller.

Once you’ve determined how much your car-in-waiting is actually worth, set floor and ceiling offers to bring with you to the negotiating table. The floor offer is your initial offer and should be between 5-10% lower than the vehicle’s average selling price. The ceiling offer is the absolute maximum that you’re willing to pay to take it home.

Make an Offer

With your floor and ceiling offers ready, it’s time to start negotiating. When you walk into a dealership, the sales agent will try a number of techniques to get you to loosen up your purse strings. They’ll ask you how much you want to pay per month in order to hide the bottom line price. They’ll ask for your maximum spending limit so that they can try to convince you to spend a few hundred dollars more. They’ll do everything they can to make you commit to that sticker price.

Do not humor them. Don’t answer any of their questions, especially the one about the spending limit. Politely tell them that you don’t want to discuss financing right now. Show no interest, even if you’re in love with the car.

Instead, ask salesperson to sit down. Present him or her with your floor offer and state that you’re willing to take the car off the lot today if he or she can accept that price. Most likely, the salesperson will tell you that that they can’t accept that price. That’s fine, because they’re not supposed to.

Make a Counteroffer

After turning down your floor offer, the sales agent will give you a list of reasons why the dealership deserves more money for the vehicle. Again, don’t humor them. Politely explain that you know exactly what the vehicle is worth. Tell him or her that you’ve been to multiple dealerships over the past few weeks and can find a similar vehicle at all of them. You just happen to prefer this particular vehicle, and as a result are willing to let this dealership have the first shot at your business. If they don’t want to play ball, that’s fine. You can always take your money elsewhere. At this point, the sales agent will probably go consult his or her manager. After a few minutes, he or she will sit back down – perhaps accompanied by the manager – and present you with a counter offer that’s slightly lower than the sticker price. The sales team will give you a hard sell on how this is as low as they can go and any lower would be ripping them off. In response, present the dealership with a counteroffer that’s a few hundred dollars higher than your floor offer. List all of the flaws you found during your inspection and reiterate that you can always take your business elsewhere.

Wear Them Down Until You Win

At this point, you and the salesperson will be playing a game of who can wear down whom. The sales agent will keep slightly lowering his or her offer while you keep slightly raising yours until one of two things happens. In one instance, you’ll meet in the middle and settle on a price that’s roughly equal to the car’s average value. If that’s the case, then congratulations – you just purchased a car! In the other instance, you’ll hit your ceiling offer.

If the dealership flat out refuses to accept your ceiling offer, then get up and walk away. It hurts, but you need to stand strong. Tell the salesperson that they just lost a sale and that you’ll be going to the other dealerships to purchase a vehicle there. Ask the manager for his or her card, and write your number down on the back. Tell them that they can always call you if they change their minds. Then casually drive away. After a day or two, it’s likely that the seller will call you back. A sale is a sale, after all, and it’s better for them to get a car off the lot than it is to deny you the vehicle because you’re undercutting the price. If they refuse, then go around to the other sellers in your area and repeat this process. Remember that negotiations are meant to be tedious. As long as you stay strong, you can be sure that you’ll get your hands on a new vehicle eventually and at a price that’s much fairer than what the dealerships would like you to pay. When you finally have a new set of keys in your pocket, you can move on to the final segment of our Used Vehicle Buying Guide – financing your ride.

A Note on Additional Services

When buying a used car through a dealer, you’ll be forced to work with the dealerships finance and insurance officer to sign all of your paperwork. This person isn’t a financial officer at all, but rather a highly trained salesperson who will try to sell you a number of additional services like an extended warranty, paint protection, gap coverage and more. Regardless of what they tell you, you don’t need any of the services they offer. In most cases, you’d be wise to turn them down and simply buy the car like you originally intended. Additionally, if your dealer agreed to perform maintenance on the car before you take possession, make sure that this agreement is documented in a Due Bill.


Lease Calculator for Car Lease Payments.


#auto loan calculator free
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Car Lease Calculator Explanation

A lease calculator is important when leasing a car for a number of reasons. First, it allows consumers to verify the correctness of a car dealer s math in a lease offer or lease contract. We are often asked what s wrong with our calculator when the results don t match a dealer s. If the numbers entered into the calculator are exactly the same as the numbers used by a dealer in his calculations, the results will be exactly the same, down to the penny. Our car lease payment calculator uses the same industry-standard lease formula that dealers and lease finance companies use.

Second, a car lease calculator allows consumers to determine how much car they can afford to lease. based on working backward with the results. Plug in some values for MSRP and Cap Cost, with reasonable values for Cap Cost Reduction, Residual Value, and Money Factor, and see if the resulting monthly payment is one that you can afford. If not, go back and reduce MSRP and Cap Cost as many times as it takes to get the monthly lease payment within your budget.

Third, a lease calculator can help you prepare for visiting a dealer to discuss a possible lease deal. Dealers like to discuss monthly payment, not lease price. Although you can force the discussion to focus on price, you must understand how price is going to affect monthly payment. A car lease calculator helps you do that.  In that sense, it s a great educational tool as well as a great aid for preparing to lease. Once you understand how the math of a lease works, by using the calculator, you ll be better prepared to negotiate and handle lease deal discussions.

Finally, being able to manipulate the factors of a lease, such as Money Factor, Residual Percentage, Term, and down payment (Cap Cost Reduction), you can determine the effects of changing lease variables. For example, you can see the significant effect of making a down payment — much more significant that with a car loan. And how choosing to lease a car with a higher Residual Percentage lowers monthly payment. And how having a good credit score creates a lower monthly payment — because you qualify for a lower Money Factor.

Possible misspelled search terms: leese calculater, car leasing calulater, calulator, leesing, caculator, calculatr, or car least calculator, auto leese calculator


Las Vegas Car Loans


#auto loan bad credit
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Las Vegas Car Loans and Auto Financing

Speedy Car Loans provides a complete automotive buying experience without the added mark up, unnecessary fees and typical dealer hassle. We consist of a staff with over 30 years of car loan and auto buying experience.

What sets us apart is that we customize your loan and car buying experience specifically to you, ensuring the best automotive buying experience you’ve ever had.

Bad Credit? No Credit? No Worries.

We pride ourselves on getting you approved regardless of your credit situation . We have helped people get approved in the Las Vegas / Henderson area and beyond. Apply Online Now to get approved!

All Credit Accepted – Guaranteed Approval

Buying a car with Speedy Car Loans is a painless and fun process. We achieve this by finding any car you would like and/or getting you approved for the financing you need easily. Say goodbye to the days when you are limited to just the cars on the lot.

Call us at (702) 478-2605!

Talk to an Actual Person

Auto Financing Made Easy

  • Specialize in Loan Approval and Auto Buying.
  • Located In Las Vegas.
  • Offer Any Year, Make and Model of Car.
  • Not a Dealership, No hassle.
  • Fast, Easy and Secure.

Our main goal is to get you a Speedy Car Loan (hence our business name). We are taking the work and hassle out of the process for you to make buying and financing an automobile enjoyable again. With our vast network and familiarity in the Las Vegas area we can do just that – get you a very fast car loan.


Lawsuit: Local used car dealer deceived consumers


#local used car dealers
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Largest Indianapolis-Area Office Furniture Dealers – Excel

Indianapolis used car dealer Circle City Auto Exchange Inc. and two of its affiliates were sued by the state Monday for allegedly selling total loss vehicles to customers without disclosures, charging unfair prices and offering useless warranties, the Indiana Attorney General office announced.

According to the lawsuit, Circle City would purchase total loss vehicles from auctions, usually in Michigan, for a low price and then apply for a clean title from the Indiana Bureau of Motor Vehicles.

Circle City then sold the vehicles at a clean retail price to unsuspecting consumers without disclosing that the vehicles were previously involved in major accidents and declared total loss vehicles, the lawsuit says.

The attorney general called the actions abusive, unconscionable and intentional violations of Indiana s Deceptive Consumer Sales Act.

In addition to Circle City Auto Exchange, 3002 Madison Ave. the lawsuit names Circle City Auto Connection Inc. 6502 W. Washington St. and Circle City Sales Service Inc. 6411 Kentucky Ave.

Also named are three individuals who control operations of the company: Amy Lair, Brandi Pierson and Shawn Lessor.

The state alleges the businesses have sold at least 60 previously declared total loss vehicles to Indiana consumers since November 2013. The attorney general s office said it received 56 consumer complaints against Circle City Auto Exchange in the past three years.

We have been fully cooperative with the state s requests for records and strongly believe that the dealerships have done everything required of them under the law, Mario Garcia, an attorney representing Circle City Auto Exchange, said in an email. The suit appears to be based on a small fraction of the sales the dealerships made and we are disappointed the state chose to file this action, wasting taxpayer dollars. We look forward to disproving their allegations.

According to state law, when a vehicle is determined to be a total loss after an accident, the insurance company or owner must obtain a salvage title from the BMV. For a salvage vehicle to be eligible to be operated on Indiana roads, the owner must then apply for a rebuilt title after an inspection of the vehicle by a police officer and submission of an affidavit detailing any major parts that were replaced to restore the vehicle.

The lawsuit alleges that the defendants did not properly rebuild the total loss vehicles for use on Indiana roads, have the vehicles and any repairs inspected or submit the required affidavits regarding restoration of the vehicles to the BMV.

The defendants have used multiple deceptive tactics to sell Hoosiers cars that have serious limitations and likely shouldn t be on the road, Indiana Attorney General Greg Zoeller said in a written statement. In the auto industry, the seller often has more information about a vehicle than the buyer does, and this can easily lead to buyers being taken advantage of. I urge all car buyers to know and understand their rights and research a company before making a car purchase.

The lawsuit said the businesses also sold the vehicles at interest rates as high as 24 percent without telling the finance companies that the vehicles were salvaged or rebuilt.

The dealers also sold customers expensive extended warranties on the vehicles, even though the pre-existing damage to the vehicle voided the warranty contracts, the lawsuit alleges.

According to the state, many of the 60 vehicles were eventually repossessed because customers couldn t afford the high payments or because the vehicles quickly became mechanically unsound and unsafe.

The state is seeking restitution for customers who suffered losses, in addition to investigative costs and civil penalties in the amount of $5,000 per violation.


King of Cheap Car Insurance Quotes • Auto Insurance Comparison


#auto insurance quotes
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Would you like to know the basics of car insurance? Learn all you need to know about vehicle coverage types and deductibles. Continue

Learn how to find the cheapest car insurance premiums possible. Get educated about various discounts you might be eligible for and how to lower premium as a young driver. Continue

Compare Your Insurance Options Now

How Quotes Are Calculated

When you start to compare are insurance quotes on a mission to find the lowest possible premiums, it is important to understand how your quotes are calculated and why these quotes can differ dramatically from carrier to carrier. All auto insurance carriers licensed to do business in your state must answer to the Department of Insurance when filing rates, but this is does not mean that a multitude of personal factors will not affect your base rate when you retrieve quotes. If you are wondering why your insurance is so high compared to state averages reported in your area, or your cousin s rates are significantly lower than yours and you want answers, here is your consumer guide to understanding auto insurance rating factors.

The Difference Between Fixed and Variable Factors That Affect Car Insurance Price

When you are shopping for affordable auto insurance, the easiest way to save money is to compare auto insurance quotes from several different companies licensed to do business in your state. While each of these companies have different base rates that are based on the demographic the company has decided to target, all of the carriers will use the same combination of rating factors to calculate personalized rates for applicants.

Some of these rating factors are fixed factors that you cannot control, and other factors can be changed if you make the effort to change lifestyle and driving habits. Identifying the fixed and variable factors, how they affect your rates, and how the changeable factors can be changed in your favor will help you get the lowest possible auto insurance premiums. Read on to distinguish between all of the rating factors that reputable auto insurance carriers use.

The Rating Factors That You Cannot Change

Age plays a major role in how much you will pay for your auto insurance due to statistics. As you read about rating factors, you will learn that auto insurance actuaries and underwriters rely on statistics to calculate rates. If the statistics of accidents are high in a specific age group, rates for applicants assigned to the age group will be higher.Young drivers under the age of 25 have a high incidence of accident, and this is why inexperienced drivers pay the highest rates. Once you gain experience, you can expect to see your rates decline at 25 and then gradually until you are 65. Once you reach a senior age group, premiums tend to rise once again.


Kit Car Classic Cars For Sale. Old


#second hand cars for sale
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Latest Classic Cars and Bikes

Listing 131 adverts

this is my Spartan 1982 In very good condition for its age She still runs but does need fuel lines The hood is in very good condition Underneath is in excellent order An easy restoration in the

THE PERFECT XMAS GIFT. This RARE, low mileage car is a truly Authentic Looking Replica of the Ferrari F355 Spider. An incredible car, finished in 2014 and built to a very high specification with all

Details – Ford 2.0ltr Pinto Engine (shallow sump), T9 Gearbox (shortened gear stick), Sierra running gear, Webber DGAV3G 32/36 carb, Hall Effect distributor, 4 to 1 exhaust, all round adjustable shocks,

VERY KEENLY PRICED RAM COBRA. The Ram Cobra was first created by Adrian Cocking in the 1980s. Fortunately he turned to Formula 1 s legendary designer Adrian Reynard to design the chassis. 1985 Autocar

For sale on behalf of a friend of mine is this fully restored early model Dutton B Type, he has owned it for over 17 years.Believe me this is not your normal home brew car. Its owner is a very very

Factory built Python Cobra, built to a very high spec and finish. Comes with every invoice, build Manuals/build sheets and spec sheet. Files of history. Full weather gear, superb finish and spec. This

L R Roadsters RAM cobra. Classic old school look RAM Cobra, Correctly old timer registered 1970 with historic vehicle status and tax exempt. Beautiful Silver metallic coachwork with red le-mans

As the title says this is an original SAMMIO SPYDER kit car. Based around a 1960 s Triumph Herald. Powered by a BMW 1.8i engine and 5 speed gearbox. The car is running standard Triumph chassis and

For sale quantum sports saloon kit car in blue, the car is based on a ford fiesta/escort. Fitted is a ford 1800 diesel engine. car built/ registered 1997, runs and drives well but could do with service/front

Red Marlin Roadster in very good condition fitted with 1600 Ford Pinto engine and four speed gearbox. Adjustable suspension all round and De Dion rear axle. The entire ignition system is new as is the

MARLIN BERLINETTA 2.0L CABRIO 05-79 SOFTTOP BLUE First registrered on 05-1979. Milage on meter 59022miles=92025KM. 1993cc Ford Engine 4-cylinder. Manual transmission. 4-into-1 sports exhaust. Softtop

Gardner Douglas MK3 cobra replica. Built in 1991 with just two former owners. Recently completely rebuilt 5.7 Chevy engine, Holley carb, new clutch etc. Four speed T10 gearbox, Jag axle. Halibrand alloys,

Here is a lovely Dax powered by a huge Jaguar V12 with Manual 5 speed, Jag running gear, brakes etc. Still wearing it s original carbs which means it runs sweet. Fresh Mot, serviced, lots of new parts,

T5 Mission for sale, 2007 car, re built in 2011 to high spec. Kawasaki zx12r motor, rebuilt with high comp pistons, new crank. Pace engineering dry sump system. cosworth brakes up front, Outlaw

Full MOT ,runs and drives well .Car has been subject to a £16000 insurance claim .Best replica Kit out there ,the interior is very nicely done and it has the correct wheels and front headlights and panels

SOLD IDEAL KIT CAR DONOR JAGUAR SPORT MANUAL 5 SPEED GEARBOX 1 OWNER SINCE 2 YEARS OLD (1 PREVIOUS OWNER FROM NEW) DRIVES AMAZING, VERY SMOOTH AND QUIET, BRAKES, TRANSMISSION, ENGINE ARE

Superb condition throughout and fitted with Rover 3.9 V8 with `Edelbrock Performer` manifold Weber 4 barrel carb. Circa 280 BHP! 0-60 4 seconds! 5 speed g/box. Mallory dist. 4 branch stainless side

Spectacular! Not for the faint-hearted! Fitted with Honda Blackbird CBR 1100XX (1157 cc). 6 speed g/box with Quaif reverse box paddle gear change. Dyno d at 156 bhp with 86.9 lb/ft torque. Built registered

Beautiful example! Engineer built, SVA tested Aug. 2000. Fitted with Chevy 350 (5.7 litre) V8 with 4 bolt mains. Edelbrock 4 barrel carb. Borg Warner T5 gearbox. 4 into 1 chrome side pipes. 6,500 recorded

Exceptionally well presented version of these rare makes. Fitted with economical yet sporty Ford 2.3 litre V6 with Weber twin choke carb. 4 speed gearbox. Cortina suspension. New clutch just fitted and


LA Car Wrap


#auto wrapping
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Why to Wrap your Car.

  • Affordable and cost effective method of advertising compared to other traditional forms.
  • Take advantage of company owned vehicles by converting them to rolling billboard advertisements.
  • Maximum exposure – generate between 30,000 – 70,000 viewings per day.
  • Great return on investment – Unlike billboards that require recurring monthly fees, a “one time purchase” vehicle wrap lasts about 5 years.
  • Protects the vehicle – Vinyl wraps actually protect the vehicle exterior which should create a higher residual value.
  • Provides marketing exclusivity since you own the space and have the ability to control the advertising.
  • Prime locations – pick and choose when and where to deliver your message.
  • Flexibility and Customization – By being in control of the medium you have the option of changing the advertisement as often as you like.
  • Media has become more fragmented with so many available choices. Mobile Media rises above this clutter with “In your face – consumer direct marketing”.

At LA CAR WRAP we recognize that a great car graphic starts with a great design. We have that aspect covered too! Our creative team of graphic designers is available to work with any client that needs assistance in designing a wrap. Once we learn your design objectives and gather specific information from you, concepts are then provided via e-mail for your approval. Upon final design approval, materials are printed and installation is scheduled at your convenience.

We use only the highest quality products on the market and laminate all of our wraps with a premium UV lamination designed to block harmful UV rays and to better protect your graphics against the elements. our objective is to make sure you are satisfied with everything we offer!


Kendall Car Rental – low cost car and van hire in London and South East England


#auto uk
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45 years of car rental value!

Proudly independent since 1969, Kendall Cars Ltd continues to offer the Best Local Rental Deal for self drive  Car Hire. Van Hire and Minibus Hire .

Low cost car rental and van rental with delivery to London Gatwick and Heathrow airport. Based in Guildford, Surrey, England and surrounding areas of South East UK.

Boasting some of the lowest prices in the South East and a fleet of over 1,300 vehicles, you will not find a better local rental deal.

Don’t just take our word for it click here for genuine customer testimonials .

  • All inclusive quotes
  • Fixed pricing
  • No overbooking
  • No price bumping

Why it’s better to hire from Kendall Cars

  1. When the special offers end, we don’t treble the price constant low prices even at busy times.
  2. Low excess and we tell you what it is. Always check our competitor’s excesses it may cost you an extra £15 per day to have the same as our standard insurance!
  3. A British company that’s been providing good service since 1969 with the owners still working in the business. Even the MD himself will wash a car rather than keep a hirer waiting.

Japanese Used Parts – Car Breaking – Harare, Zimbabwe


#auto spare parts
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Japanese Used Auto Spare Parts in Harare

Welcome to JapaneseUsedParts.net

We deal in all types of used spare parts of all popular

Japanese and Non Japanese vehicles

We break Cars for Parts

We import  parts directly from Japan to Harare .

   Stock of Auto Engines

We Carry huge stock of Japanese used engines of all popular brands like Toyota, Nissan, Honda, Mitsubishi,     Suzuki, Mazda and Non Japanese Brands like Mercedes, Audi, Volkswagen and other. We have engines for all types of vehicles including cars, vans, wagons, SUVs, buses trucks. We have in our stock all popular engines like 3L, 5L, 4A, 5A, V6, E25, V35, 4D33,4D34, 4D35, 4M50, 4M51, T32 etc. We can also import engines from Japan just for you.

Car Breaking for Parts

We also import vehicles in half cut and nose cut form and we complete dismantle them in our workshop in Harare and sell parts locally. We also import scrap vehicles from Japan for our clients in Zimbabwe and also for spare parts dealers.