Consumer Action – Californias Low Cost Automobile Insurance Program, low cost auto insurance.#Low #cost #auto #insurance


consumer action

The State of California has developed this program to provide income eligible, good drivers with access to affordable automobile liability insurance. The policies are issued by California licensed insurance companies. California state law provides that a California Low Cost Automobile Insurance policy satisfies financial responsibility laws.

Low cost auto insurance

Publication Series

  • This publication is part of the California s Low Cost Auto Insurance training module.

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California law requires all drivers to have auto insurance.

If you drive without insurance you could:

  • Have your vehicle registration suspended.
  • Have your license suspended.
  • Have your car impounded.
  • Be fined.

Are you driving without insurance because you can’t afford the rates?

The State of California has developed a program to help income eligible good drivers get low cost automobile insurance for under $556 a year (liability only).

Policies are issued by California licensed insurance companies. California’s Low Cost Automobile Insurance policies satisfy the state’s liability insurance requirement.

You may qualify for California’s Low Cost Automobile Insurance Program if you:

  • Have a valid California driver’s license.
  • Own a vehicle that is valued at $25,000 or less.
  • Meet income eligibility requirements.
  • Are at least 19 years of age.

There are two payment plans available:

  • Full annual premium.
  • Or, 20% deposit with balance to be paid in seven bi-monthly installments. (For each installment payment there will be a $4 transaction fee.)

Basic Liability Policy limits are: **

  • $10,000 bodily injury or death per person
  • $20,000 bodily injury or death per accident
  • $3,000 property damage liability per accident

** Additional direct benefit coverage is available for an additional charge.


Consumer Action – Californias Low Cost Automobile Insurance Program, low cost auto insurance.#Low #cost #auto #insurance


consumer action

The State of California has developed this program to provide income eligible, good drivers with access to affordable automobile liability insurance. The policies are issued by California licensed insurance companies. California state law provides that a California Low Cost Automobile Insurance policy satisfies financial responsibility laws.

Low cost auto insurance

Publication Series

  • This publication is part of the California s Low Cost Auto Insurance training module.

Download PDF

No Download Available

Availability

  • Web Version Only

Languages Available

California law requires all drivers to have auto insurance.

If you drive without insurance you could:

  • Have your vehicle registration suspended.
  • Have your license suspended.
  • Have your car impounded.
  • Be fined.

Are you driving without insurance because you can’t afford the rates?

The State of California has developed a program to help income eligible good drivers get low cost automobile insurance for under $556 a year (liability only).

Policies are issued by California licensed insurance companies. California’s Low Cost Automobile Insurance policies satisfy the state’s liability insurance requirement.

You may qualify for California’s Low Cost Automobile Insurance Program if you:

  • Have a valid California driver’s license.
  • Own a vehicle that is valued at $25,000 or less.
  • Meet income eligibility requirements.
  • Are at least 19 years of age.

There are two payment plans available:

  • Full annual premium.
  • Or, 20% deposit with balance to be paid in seven bi-monthly installments. (For each installment payment there will be a $4 transaction fee.)

Basic Liability Policy limits are: **

  • $10,000 bodily injury or death per person
  • $20,000 bodily injury or death per accident
  • $3,000 property damage liability per accident

** Additional direct benefit coverage is available for an additional charge.


LOW COST INSURANCE – FREE Quotes! #auto #everything


#low cost auto insurance
#

Request a Quick Quote today and save up to 35%

Low Cost Life Insurance Do you want a low cost life insurance quote? We can help you find a great rate on low cost life insurance. Your low cost life insurance plan may be quoted by up to twenty different carriers.

Low Cost Affordable Insurance is a FREE Low Cost Insurance Shopping Service dedicated to helping American consumers find low cost Auto, Homeowner, Life and Health insurance premiums. There is NO cost to use our service. Your insurance will be compared against other top rated, top ranked carriers to find the best Auto, Homeowner, Life and Health Insurance. Get a Low Cost Insurance quote TODAY!

Low Cost Car Insurance – Request a low cost car insurance quote and receive several offers from top rated carriers today! Low Cost Home Insurance – Why overpay for your home insurance. Get a low cost home insurance quote and save up to 35%. Consider visiting www.arizonahomeownerinsurance.biz. They are able to give you quotes through various homeowner insurance companies. Low Cost Term Life Insurance – You may be surprised at much money you can save on low cost term life insurance.

Top rated and top ranked low cost term life insurance companies! Low Cost Insurance Quote – We provide Low Cost Insurance quotes on Auto, Home, Life and Health insurance. Request a low cost insurance quote and lower your premiums with a top rated company. For Arizona auto insurance contact us today. Canadians who need Arizona home insurance should call our office for a quote.


Low Cost Auto Insurance Quotes #nissan #auto #parts


#low auto insurance
#

LowestQuotes.com

Today consumers are faced with more choices than ever, especially when it comes to their insurance needs. Choosing the right company and coverage can seem like an overwhelming task, with hundreds of insurance companies offering thousands of products, each with its own rates, fees, terms and conditions. So, if you are tired of paying too much money on auto insurance and want to cut your auto insurance bill by up to 70%, enter your zip code above and get free quotes from one or more of the companies that provides the cheapest rates in your area.

The fact is, unless you shop around for better rates, most insurance companies keep raising rates every year on their existing customers even if they have a perfect driving record. Below are some of the easy ways you can reduce auto insurance rates.

Raise Deductible Choosing higher deductibles for your comprehensive and collision coverage will reduce your car insurance premiums quite a bit. For vehicles that are more than five years old and/or are worth only few thousand dollars, you may want to drop the comprehensive and collision coverage altogether and keep only the minimum state liability requirements.

Check Credit People with good credit scores usually get the best insurance rates. Over time, paying your bills on time and keeping your credit balances low will improve your credit ratings. Also be sure you check your credit scores regularly so you can identify and correct any errors.

Get Discounts One of the most easiest ways to reduce your rates is to take advantage of discounts offered by insurance companies. For example, you may get a discount if you park your car on a driveway or garage instead of street parking, if you have taken a defensive driving class, if you are a good student who receives good grades, have short commute to work or school, or if you have anti-theft devices installed on your vehicle.


Alternative Fuels Data Center: Vehicle Cost Calculator #acura #auto #parts


#auto calculator
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Vehicle Cost Calculator

This tool uses basic information about your driving habits to calculate total cost of ownership and emissions for makes and models of most vehicles, including alternative fuel and advanced technology vehicles. Also see the cost calculator widgets.

Create Custom Vehicle

Fuel Prices

Alternative Fuel Price Report. You can change the amount to reflect the price in your area.”> Gasoline

$ /gal

Alternative Fuel Price Report. You can change the amount to reflect the price in your area.”> Diesel

Alternative Fuel Price Report. You can change the amount to reflect the price in your area.”> B20

$ /gal

Alternative Fuel Price Report. You can change the amount to reflect the price in your area.”> B100

$ /gal

Alternative Fuel Price Report. You can change the amount to reflect the price in your area.”> E85

Alternative Fuel Price Report. You can change the amount to reflect the price in your area.”> Propane


How Much Does it Cost to Paint a Car? #used #honda #civic


#auto painting prices
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How Much Does it Cost to Paint a Car?

The Process

A good paint job for a car requires extensive preparation, pricey materials and specialized skills. For this reason, the first factor in the price of painting a car will be the quality of work and the amount of time a garage puts into the job. First, the vehicle will be washed, the original paints will be sanded down and the chrome and windows will be covered. After the preparation has been completed, a thick primer is applied to smooth the body panels and provide some material for final sanding and smoothing. Next comes one or more layers of colored paint, often topped by a clear coat that adds some protection and depth of shine. Sometimes the clear coat is tinted with pigment, or contains additives for various finishes. Different paint shops may treat each stage differently. Some may run through preparation quickly, while others will take the time to do detailed work. The quality of work depends on what a consumer is willing to pay for the job.

Materials

Besides the cost of labor, several materials are included in the cost of painting a car. Someone who decides to paint his own car should expect to purchase some specialized tools such as a spray gun and covers for windows and chrome. Those who go to a garage will still be paying for primer, paint and the clear coatings. Because several layers of each paint are required, a full complement of decent materials can fall in the range of $1,000 to $1,500. But like everything else, these prices can change dramatically based upon quality. Top-of-the-line paints that change colors, or contain metallic, pearlescent or iridescent additives can cost more than $5,000, while the most basic varieties can be found for only a few hundred dollars. Some colors, especially reds, can also cost more. Vehicle size is an obvious if often overlooked consideration, because it takes three times as much paint to cover a Hummer as a Geo Metro.

Labor

Labor costs vary greatly in different areas. While quick paint jobs can be found for under $500, preparation is usually nonexistent and the application of paint tends to be uneven and sloppy. Most garages will complete the entire process from preparation to finish for $2,000 to $3,000 in labor. The cost of labor will also rise and fall with the size of a vehicle, largely because of the preparation process. Many garages include minor body work such as the removal of scratches and small dents during a paint job, but the best will take the time to sculpt a vehicle’s panels into dead-straight canvases for the thin paint to lie on. Often, it’s this preparation that makes the difference between a bargain re-spray and a stunning showpiece. Upper-end labor costs can reach $50,000 or more, but these prices tend to be reserved for vehicles that require lots of body preparation, or get specialized paint jobs like fades, two-tones, stripes or pinstriping, or candy colors that require very experienced painters.

Final Prices

With the combination of labor and materials, a typical decent paint job will be in the range of $3,000 to $4,500. It’s also worth bearing in mind that changing the color of a vehicle’s paint from stock can add 25 percent or more to the price, because the painters have to paint under the hood, inside the door jambs, under the trunk lid, and anywhere else the factory paint will show. The labor costs alone for a full color change can add up quickly, as all of these difficult-to-reach areas must be stripped, sanded, masked and primed like any other.

Saving Money

Certainly, you can save a lot of money spraying the vehicle yourself — but that isn’t usually practical given the buy-in cost of tools and materials, and the expertise required to lay down a good paint job. The reality is that very few first paint jobs end up as cheap as expected, or look like anything you’d want your friends to see; so it’s probably best to leave the spraying itself to professionals. But that doesn’t mean you’re stuck paying full shop prices. Prep work is something most moderately adept people can do at home, and the materials to do it are generally cheap and readily available. Putting in some elbow grease beforehand, and showing up at the paint shop with your car on a trailer, already smoothed, sanded and masked can easily cut thousands off the price of the total job. And you should get your car back in a few days, instead of a few weeks or even months.


How Much Should Your Car Repair Cost? #used #auto #body #parts


#auto repairs
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How much should your car repair cost?

More On Cars:

“auto”

Two of the most comprehensive websites for car-repair costs are AutoMD and RepairPal, which are both free to use. Launched in 2010, AutoMD is owned by US Auto Parts, an online auto parts retailer. It is staffed of a team of automotive data specialists and certified auto mechanics, using data based on average labor costs by ZIP code, time to repair and real-time pricing data on parts. RepairPal was founded in 2007 by a group of auto enthusiasts and entrepreneurs. It creates its estimates based on real-world data, including actual car-repair invoices, labor rates and parts costs.

Both AutoMD and RepairPal offer repair cost estimates based on ZIP code for regular maintenance as well as car repairs, with pricing estimates at a dealership or an independent mechanic. AutoMD also adds cost estimates for do-it-yourselfers.

Testing with sample repairs on each site showed that the estimates were in the same range on both sites. RepairPal’s estimate provides a range for the overall cost as well as breaks down ranges for labor and parts. The AutoMD repair estimate is more comprehensive, also containing the exact time estimate for the car repair as well as the labor rate and parts costs at a dealer and an independent mechanic. As a result, it makes it easier for the consumer to make adjustments if the labor rate at a shop is higher or lower.

Consumers can easily print out the estimate to show to a mechanic. For those who are in need of a mechanic, both sites provide a comprehensive list of shops based on the ZIP code entered. RepairPal’s list shows the shops on a map and provides shop details such as hours, specialties and reviews. AutoMD’s list takes things a step further, showing how many AutoMD users have requested quotes from the business and the type of quotes, and it shows the number of mechanics. It also specifies whether the shop uses Mitchell or Chilton labor standards and if it installs parts shipped by AutoMD partners.

While these sites help arm consumers with solid information to help ensure they are not getting taken advantage of, consumers still need to decide between using a dealer or an independent shop and whether it makes sense to save a few dollars by using aftermarket parts instead of original equipment parts.

Get more news, money-saving tips and expert advice by signing up for a free Bankrate newsletter .


True Dealer Cost – Dealer Price – Dealer Invoice Price #used #jeeps


#auto invoice prices
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The Truth About Dealer Cost

Looking to buy a new car or truck at the lowest possible price? Then you need to know the true dealer cost of the new vehicle you re looking to buy. True dealer cost is definitely not the sticker price, or even the factory invoice price. The true dealer cost is the real price, the actual price, the dealer paid for the new vehicle you want!

Let s start from the beginning new car dealers must keep well-stocked showrooms and lots, to allow consumers to view and test drive new vehicles. The cost of this inventory is paid for by the dealership. To recuperate this cost, the dealer must sell the new vehicle. To assist dealerships, car manufactures provide what is called the dealer holdback.

The dealer holdback is a percentage of a new vehicle s value that is paid back to the dealer by the manufacturer. This amount is to help the dealership cover various sales expenses such as advertising, commissions, and stocking their show rooms. The longer a new car sits on the lot, the more it costs the dealer, cutting into holdback profits.

The secret is, armed with the true dealer cost of the vehicle you want you can easily negotiate a great low price. This basic understanding of new car pricing will put you on a level playing field with the dealer. Thanks to this hidden potential profit, dealerships don t have to sell at MSRP or sticker price they don t even have to sell at factory invoice.

Simply put, dealerships have plenty of room to negotiate. It s also in their best interest to sell inventory quickly to make the most out of dealer holdback. By shopping at pre-qualified dealerships that aim to move inventory and are willing to negotiate, you can save thousands.

Request a free true dealer cost price quote today. We’ll connect you with pre-qualified dealers in your area. Dealerships waiting to make unbelievable Internet only price offers in order to clear lots. Armed with the true dealer cost, you’ll be able to negotiate like a pro and save big on your next new vehicle!

Today’s Pricing Specials


How Much Do Braces Cost for Kids? #braces #cost #with #dental #insurance, #how #much #do #braces #cost #for #kids


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How Much Do Braces Cost for Kids?

Being a parent is expensive. But you always want the best for your children, and that includes finding ways to afford the orthodontic treatment they need, even though it may be difficult. So how much do braces cost for kids? First, it’s necessary to identify the type of braces for your child and the duration of the treatment. This will help you understand your options in providing the very best care for your investment.

According to Jorgensen Orthodontics. children are typically fitted for braces not much later than 12 years of age, after they’ve lost all of their baby teeth and their 12-year molars have erupted. Although the American Association of Orthodontics (AAO) recommends that children receive their first orthodontic screening by the age of seven years, braces that are fitted too early can make the treatment take longer than necessary – and cost more.

If your orthodontist identifies an incorrect bite or potential for crowding during the screening exam, he can sometimes take what is called “interceptive” action to prevent the problem from playing out or getting worse. This can include fitting a palatal expander or other appliance to ensure that the permanent teeth erupt in the right position. The exam might also highlight the need to control habits such as thumb-sucking, which can cause damage to a child’s mouth over time.

The braces your orthodontist recommends will depend on your child’s particular problem. Types of braces include:

  • Traditional metal braces – Have steel ties holding the wires between the brackets in place.
  • Damon braces – They do not have steel ties, as the brackets themselves hold the wires in place.
  • Invisalign ® (or other clear or removable aligners) – Fit over the child’s teeth in a way that resembles a mouth guard.

In addition to appliances like an expander, your orthodontist might also recommend the use of headgear or a Forsus or Herbst device to use in conjunction with braces to correct problems affecting your child’s natural bite.

Variations in Treatment Costs

Determining how much braces cost for kids depends mainly on the length of time your child will need to wear them. According to the Consumer Guide for Dentistry. the cost of wearing braces ranges between $3,000 and $7,000 – with respect to the type of braces recommended – for the following reasons:

With traditional braces. the cost is driven by what the orthodontist will charge for the orthodontic treatment for your child’s case which include multiple visits during the time it takes to straighten his teeth over a year to three year period.

Damon braces are typically more expensive initially and can cost up to $8,000, but because the braces are self-ligating, you’ll pay for fewer dental appointments.

With Invisalign ®. your child will receive a number of aligners to use in a specific order, changing every couple of weeks. The cost is determined by the number of aligners needed to achieve the right result.

If your child needs to have teeth extracted or fitted with other appliances, overall cost of the treatment may go up as needed.

The way your child complies with the orthodontist’s instructions matters as well, because repair and replacement affects the overall cost of treatment. Make sure your young one avoids tooth decay while wearing braces by using products such as Colgate ® 2in1 for kids, an anticavity fluoride toothpaste that comes in fun fruit flavors.

For patients without insurance, many orthodontists who distribute Invisalign ® offer flexible payment plans with no down payment and low interest rates. If you have insurance, it might cover a portion of the cost, particularly the dental appointments needed. The treatment is usually eligible for flexible savings account (FSA) reimbursement, too.

If you can handle it without financial aid, however, pay in advance for some or all of the treatment, which typically qualifies you for a discount. It’s not just about asking, “how much do braces cost for kids?” It’s about getting the right orthodontic treatment for your child, and at the right time.

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