Cars in Bankruptcy: What Happens To My Car if I File? #sherman #auto #parts


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Cars in Bankruptcy

Can You Keep Your Car If You File Bankruptcy?

Many people who file for bankruptcy and own a car are allowed to keep it during and after their case, especially if it is used for getting to and from work.

If you are behind on car payments, you may be able to use bankruptcy laws to keep your vehicle in your possession.

Both types of personal bankruptcy address cars, car loans and vehicles you own outright:

  • The automatic stay in bankruptcy is designed to stop repossession. In most cases, this goes into effect right after you officially file for bankruptcy.
  • Chapter 7 bankruptcy exemptions may protect your car from a forced sale.
  • Filing for bankruptcy under a Chapter 13 may allow you to repay your car loan at a more affordable rate so that you don’t lose your car to collectors.

Keep reading or fill out the below form to ask an attorney if a bankruptcy could help you save your car.

What Happens When You File for Bankruptcy?

Get answers to your bankruptcy questions.

Learn how you may be able to use bankruptcy to save your car, home or other assets.

For a free bankruptcy case evaluation with a local bankruptcy lawyer, complete the below free form:

Car Loans Under Chapter 7 Bankruptcy

Chapter 7 bankruptcy is designed to help eliminate unsecured debts such as credit cards debt or medical debt, but may provide protection for secured debts such as cars.

If you own your car outright, and owe no debts on it, then your car may be fully protected from repossession or forced sale due to Chapter 7 exemptions.

One important aspect when filing bankruptcy is whether you have a clear title to your car. If you have pledged your vehicle as security for a debt, or if you are financing or leasing a vehicle, you likely have three options for secured car loans when you file Chapter 7 .

1. Reaffirm: A reaffirmation agreement is a contract between you and the car creditor in which you agree to pay the balance owed on your car note, despite the bankruptcy filing.

You continue to make payments and the creditor promises that, as long as payments are made, they will not repossess or take back the property.

Reaffirmed debts are not discharged and the debt survives the bankruptcy.

If you do not make your car payments after you reaffirm the car loan, the car lender can repossess the car and sue you for the deficiency balance.

After the finance company repossesses the car, they will sell the car at the auto auction. Usually the finance company does not get enough money from the auction to pay off your loan.This shortfall is called a “deficiency” and you would still be legally obligated to pay the creditor the deficiency balance.

As you can see, the decision to reaffirm your car loan is a serious financial matter.

Reaffirmation agreements are strictly voluntary. You are not required by the Bankruptcy Code or other state or federal law to reaffirm your car loan. Before entering into such an agreement, you will want to speak to a bankruptcy attorney to make sure that the reaffirmation is in your best interest.

2. Redeem: In Chapter 7, you have the right to purchase or redeem your car from the creditor by making a lump sum payment equal to the car’s fair market value.

The U.S. Bankruptcy Code provides that you must pay the creditor the replacement retail cost of the car. The balance of the debt will be discharged.

For example, assume you own a car worth $5000.00, but owe the finance company $10,000.00. In this circumstance, you could redeem the vehicle by paying the creditor $5000.00 and the remaining balance will be discharged in your bankruptcy.

A local bankruptcy lawyer can advise you on the benefits of redeeming your financed car and identifying lenders that will provide the funds for your vehicle redemption.

3. Surrender: If you cannot afford the monthly payments on your car loan or if you determine that you owe more than the car is worth, you can unload the car and the debt in your Chapter 7 bankruptcy by surrendering the vehicle to the creditor.

Car Leases in a Chapter 7

If you are leasing your car when you file Chapter 7 bankruptcy, you can choose to either continue making the monthly lease payments or surrender the car back to the creditor.

If you surrender the leased car, any obligation to repay debt will be eliminated in your Chapter 7 bankruptcy case.

Car Loans in a Chapter 13 Reorganization

If you have fallen behind on your car payments, you may be able to file a Chapter 13 bankruptcy to stop the repossession of your vehicle. The amount you have to pay for your car depends upon when you bought your car.

If you own your car outright, and owe no debts on it, then your car should be fully protected in Chapter 13.

910 Claims: If you bought your vehicle within 910 days of filing your bankruptcy case, you must repay the entire car loan.

The good news is that the interest rate you pay on your car loan may be significantly reduced.

For example, if you owed $10,000 on a car loan whose blue book value was only $5000, you would be required to pay the entire $10,000 balance if the car was purchased less than 30 months, or 910 days, of filing. In short, debtors who want to keep their cars must pay the full loan amount rather than “cram down” the debt to the value of the car.

Cram Down: If you bought your car more than 910 days before you file bankruptcy, you will only have to repay an amount equal to the present value of the car.

For example, if you owed $5000 on a car that is worth only $2500, upon filing Chapter 13 you would be required to repay the finance company only $2500 over the three-to-five year term of your Chapter 13 repayment plan.

Car Leases Under Chapter 13 of the U.S. Bankruptcy Code

Your car lease usually cannot be paid through the Chapter 13 bankruptcy repayment plan that you devise with your bankruptcy attorney.

You can “assume” the lease and continue making the monthly payments. You can also “reject” the lease and return the car to the creditor.

The creditor will sell the leased vehicle, apply the sale proceeds to your lease balance and then file a claim in your Chapter 13 bankruptcy case for the lease deficiency.

This deficiency is an unsecured, non-priority claim, which means you will likely only pay that creditor pennies on the dollar.

Speak With a Bankruptcy Attorney About Protecting Your Car Today.

If you have questions about how your car will be affected if you file bankruptcy, talk with one of our sponsoring lawyers.

Fill out the form on this page to talk with a local bankruptcy attorney. Bankruptcy laws can be complex and each person’s financial situation is unique. If you’re worried about losing your vehicle, home or other assets, be sure to get the facts from a legal professional.

Don’t wait until the repo truck comes to you door or the foreclosure notices start piling up. Learn how bankruptcy can stop repossession and foreclosure and is designed to silence creditors!

The above summary of bankruptcy law is by no means all-inclusive and is not intended to serve as legal advice. Laws may have changed since our last update. For the latest information on bankruptcy laws, speak to a local bankruptcy lawyer in your state.


What – s the Right New Vehicle for Me? Feature – Car and Driver #auto #italia


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What s the Right New Vehicle for Me?

With so many cars on the market, one is perfect for you. But which of the more than 400 choices is it?

Feature

When Car and Driver editors buy cars, emotion often trumps logic. We love performance, so practicality isn t a major consideration. But for many buyers, a car is a rational choice; they buy what they need to transport themselves and their loved ones as safely, comfortably, and cheaply as possible. It s a smarter way to buy, but it isn t any easier. With more than 400 new cars to choose from, how do you pick the right one?

Start by considering a series of questions, but beware: Once you find the car that fulfills your every need, an emotional connection may well form whether you like it or not.

What Kind of Car Do I Need?

Forget the number of models available, the number of body styles alone can be overwhelming: coupes, sedans, station wagons, crossovers, SUVs. How do you decide what you need?

Coupe/ Convertible : If you want a car that makes a statement about you, coupes and convertibles are typically the most expressive designs, but restricted access to the back seat (if the car you are considering even has one) seriously limits their practicality.

Sedan : If there are kids in the picture or in the near-future plan, four doors are a likely requirement. Even if children are small enough to ride comfortably in the back seat of a coupe with any regularity, consider the difficulty of constantly climbing into and out of the back seat to tend to a child before committing to just two doors.

Hatchback : If you add another door bringing the total to five you re looking at hatchbacks and station wagons, which offer SUV-like space without the dynamic and fuel-economy compromises of heavier vehicles. These cars are pariahs in the U.S. market, but many buyers are starting to reconsider, as fluctuating fuel prices and increasing environmental awareness have them thinking twice about crossovers and SUVs. As manufacturers get increasingly creative and design ever more stylish hatchbacks their roofs are sleeker than wagons the market is warming to the segment.

Station Wagon : Station wagons have perhaps the worst reputation of any body style on the market, but we re fighting to change that. They offer the best attributes of a car without the trade-offs of larger crossovers and SUVs. The Mazda 6 wagon actually had more passenger and cargo volume than the Mazda CX-7 crossover, was quicker, and got better fuel economy. It was so immensely unpopular that it was discontinued last year, and a forthcoming CX-7 promises a weaker engine in an effort to reduce fuel consumption.

SUV/Crossover : Jack up the ground clearance of a hatchback or station wagon, and you have a crossover or an SUV. Do you need that ground clearance? Probably not. When was the last time your road didn t get regularly plowed or cleared? Sure, it happens most often to those of us in the northern part of the country, and that s a few times a winter but the fuel-economy penalty of opting for a taller and heavier vehicle is something that affects you every time you start the car.

Of course, the higher seating position of a crossover or SUV is something many people enjoy, for its increased visibility and for the ease of entry and exit as the seat is at a more natural height. But keep in mind that height adds weight, and weight diminishes fuel economy and stability.

Those who tow regularly already know they need something with that capability. But if you need a truck only to tow a few times a year, perhaps renting in those instances is a better alternative to living year round with the fuel-economy penalties of a truck.

Minivan : Those with large families or dreams of such often resist the practicality of the van, but if you routinely haul five or more people, there is no vehicle short of a school bus that will better accommodate six, seven, or eight passengers. A jumbo SUV like a Chevrolet Suburban or Ford Expedition EL has more cargo space, but passengers will find greater comfort in a minivan. A minivan is the perfect family vehicle but normally does without any semblance of soul. A couple of notable exceptions are the Honda Odyssey and the Mazda 5. both of which manage to add an element of driving pleasure to the normally bland family-hauler character.

What Size Car Do I Need?

We say start small. And right off the bat, let s debunk a common myth: Larger vehicles are safer than smaller ones. The safest collision is one you avoid in the first place. Lighter cars are typically more agile and give you a better chance of steering away from a crash rather than gripping the wheel, barreling in, and letting physics punish the other driver.

Before the inevitable If I m going to get T-boned by an idiot in a Navigator, I d rather be in a Silverado than a Mini response, consider that a shorter stopping distance might allow you to come to a complete stop before either car in that scenario ever enters the intersection. Small cars tend to cost less to buy and consume less fuel, too. Driving a smaller, more frugal car makes you look enlightened at least in college towns and northern California.

Also, consider that small cars don t have to be small inside. Thanks to the Manhattan approach of building up instead of out, small cars keep getting more and more spacious. The smallest car currently available in the U.S. is the Smart Fortwo. and it offers headroom within an inch of what you d find in a Cadillac Escalade. Or consider the Nissan Cube. Despite being nearly three feet shorter than the Honda Pilot and weighing almost a ton less, it has more head- and legroom in the front seat, more headroom in the back seat, and only three inches less legroom in the rear. If it s interior space you need, you needn t buy big.

Do I Need All-Wheel Drive?

Probably not. All-wheel drive is seen as a safety feature in wintry climes, but the only difference the average driver will notice with all-wheel drive is the added traction when accelerating. All-wheel drive doesn t increase a vehicle s ability to stop or turn. What most buyers don t realize is just how much difference a set of winter tires can make. And they are cheaper than upgrading to an all-wheel-drive car and won t have the year-round negative impact on your fuel economy that comes with a car having to drive all four wheels all the time.

While we re on the subject, weight does not automatically make a better winter vehicle. Heavy cars and trucks do plow through deep snow better and behave more predictably, but hit a patch of ice, and that weight is just extra momentum to try to control. Again, bigger is not necessarily better.

How Much Power Do I Need?

In our road tests, we always cite 0-to-60-mph times, but the fact is that very few people ever actually use full throttle. Around Ann Arbor, we see more drivers who fear full throttle than those who ever use it. Truck buyers who tow and haul heavy loads need lots of power, but the average car buyer doesn t need any more than is necessary to keep him or her comfortable on a test drive. The buying practice of getting the bigger engine but never using more than half-throttle is like building a four-story house but leaving the top two floors vacant. All else being equal, larger engines use more fuel.

The type of driving you do determines whether or not a hybrid or a diesel makes sense for you. Hybrids tend to use less fuel around town, when low speeds and frequent braking keep them running on battery power longer. Diesel drivers will see their greatest benefits on the highway, although diesel vehicles are more efficient than gasoline cars at low speeds, too.

Either approach will extend your fuel dollar, but be aware of the premiums you ll be paying up front and the distance you ll have to drive to recoup your costs. Of course, that doesn t necessarily have to be a deterrent if you know you ll drive a car more than 60,000 or 100,000 miles, or if you buy a fuel miser on principle.

With a diesel, also be aware of the premium you ll pay for fuel. As this is written, diesel is outpacing gasoline in the U.S. by only about 10 cents per gallon, or five percent a much lower differential than we have seen in the past year. So right now, the 25-to-30-percent benefit most drivers will realize in fuel economy is worth it. But that can change quickly as fuel prices fluctuate.

Could You Please Be More Specific?

For our top choices in every segment the cars we would buy if we were in the market today see our Editors Choice page. Or check out our annual 10Best list of the 10 outstanding cars across all market segments.


What does a Car Radiator do? (with pictures) – mobile wiseGEEK #oreily #auto #parts


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wiseGEEK: What does a Car Radiator do?

To understand what a car radiator does, it might help to understand the nature of the internal combustion engine it protects. A car’s engine has numerous moving parts, and where there is movement there is friction. Friction creates heat. Motor oil is pumped throughout the engine block to provide some lubrication, but it isn’t enough to overcome all of this excess heat energy. As a result, parts of the engine become boiling hot as part of normal operations.

This is where the radiator system comes into play. The engine block must be kept relatively cool to avoid serious problems like overheating and seizure. If the pistons cannot slide freely in their cylinders due to excessive friction, they will eventually snap and cause total engine failure. To prevent this from happening, a mixture of water and anti-freeze is pumped through chambers in the engine block to absorb the excess heat and draw it away from vital areas.

When this superheated engine coolant exits the engine block, it returns through a large rubber hose. This component is designed to maximize surface area through a significant number of internal folds and chambers. As the hot engine coolant moves through these nooks and crannies, excess heat is drawn out through the walls. An electrical or belt-driven fan may force cooler outside air through the radiator to accelerate this cooling process. As the car moves, the front of the radiator is also cooled by the outside air coming through the car’s grill.

By the time the superheated engine coolant has made its way through all of the chambers, it should be cool enough to make a return trip through the engine block. However, if the coolant flow should be reduced by a blockage or loss of fluid, the engine block will not be cooled down and the remaining engine coolant will boil over. This is why maintaining a full coolant level is so important, especially during hot weather or long drives.

A radiator does not contain any electronic parts of its own — special sensors register the temperature of the coolant as it exits. Engine coolant does not have to be especially cool in order to be effective, so there is usually a wide range of temperatures considered to be within normal parameters. If anything goes wrong with the radiator itself, such as a leak or broken hose, the operating temperature of the car can reach a dangerous level within minutes. The engine must be allowed to cool down naturally before the vehicle can be driven safely to a mechanic.


What does the invoice price mean? #chevrolet #auto #parts


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What does the invoice price mean?

How is it different than MSRP?

Even though it may say “Chevrolet” or “Honda” on a dealership’s billboard, dealers still have to buy cars from the automakers; this transaction is where invoice and manufacturer suggested retail price come into play.

Simply put, there’s a price that the dealership pays for a car, called invoice price, and then there’s the price that automakers want the car sold at, called the MSRP. You can find these numbers listed on Cars.com in our Research section. Dealerships will try to sell a car at the greatest profit to them — they’re a business, what do you expect? And that means selling as close to the MSRP as possible, though you can usually score a price lower than the MSRP.

Although we can say it as simply as possible, invoice and MSRP prices simply aren’t that simple. The Cars.com article “Getting the Best Deal: Purchase Price and Trade-Ins” explains why:

“For most vehicle makes, the published invoice price is not the true dealer cost because of dealer holdback. Holdback is a portion of a car’s sales price (typically 2 percent to 3 percent of either the invoice price or MSRP) that an automaker returns to a dealer, usually on a quarterly basis. It’s a way of boosting the dealer’s cash flow and helps the dealer keep his lights on.”

More and more consumers are entering dealership lots armed with an invoice price and MSRP in hand. Although these are important numbers to know, they shouldn’t be relied on solely during negotiations as the price you expect to pay. A good starting price — and a more realistic number for negotiations — is the Cars.com Smart Target Price, which is calculated considering invoice price and MSRP among many other factors; like vehicle availability and demand. On most cars; the Smart Target Price lies somewhere between invoice and MSRP.


Reconditioned Car Batteries for Sale: What to Know. #napa #auto #parts


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Reconditioned Car Batteries for Sale: What to Know

Reconditioned car batteries for sale can be a viable option if you need a battery for a low price. Many people who have used batteries and get a new one then need to find a car battery recycling option. One of their options is to sell their battery to an auto shop, which will then produce a refurbished car battery. Here are a couple of things to know about these used batteries.

Long Lasting?

Many people believe that since the batteries have been recharged that they will then last as long as a new car battery. This is not true, because batteries can only be charged so many times. After it hits a certain mark, you will lose power.

The memory effect is a phenomenon that occurs with reconditioned batteries. As the battery loses power over time, it will only be able to charge to a certain point. The battery then remembers this point, and won t charge past it. This can happen pretty soon after you buy the battery, so be aware of this.

Car batteries are very expensive. It is what makes hybrid cars much more expensive than their non-hybrid counterparts. Since car batteries are expensive, buying a reconditioned battery may be a better option for you depending on your financial state. However, it should not be thought of as a permanent option, but more of a stopgap solution until you can afford a new battery. If you only plan on using the battery for a year or two, you should be in the clear.


SHORT TRACK AUTO RACING. COM – WHAT IS WRONG WITH SHORT TRACK RACING AND HOW WE CAN FIX IT #auto #advance


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SHORT TRACK AUTO RACING. COM

SHORT TRACK AUTO RACING. COM

It is time for the short track racing community to have a serious and thoughtful discussion about what we are doing and what we need to do to improve our racing. That is my goal. Please understand that I am a rookie at writing. I am going to say some things that some people won t like, but I am not trying to offend anyone. My purpose is to stimulate a discussion. The more ideas put forth,the better the odds that we, as a group, can identify what needs to be done. At present there are a number of conversations going on about this subject and that is a good start, however these discussions tend to be isolated in that fans talk about what fans want, racers talk about what racers want, etc. I think what is needed is fans, racers, and promoters all included in the same discussion. We are all in this together, we all want better racing, and we all know that the current situation is not working.

I am sure the first question you will have is why does this guy think he is qualified to say these things? Good question. Over the last 50 years I have been a driver, owner, owner/driver, crew member, and spectator. I have also been involved on the promotion side of racing. I have built racing engines, racing parts, and complete race cars and motorcycles. I have been in drag racing, off road racing, short track racing, and motocross. You can put whatever value you want on that.

Short track racing in Southern California is what I want to discuss. My comments are aimed at dirt track racing, but some of this discussion applies to asphalt tracks as well. Currently short track racing has a shortage of race cars and a shortage of fans. There is no shortage of opinions about what caused this. Let s see if we can sort through all these ideas and opinions and come up with the fixes we need.

I have set this up as 2 pages. The first page is what I believe are some of the problems causing a decline in short track racing. This isn t all the problems and I plan on adding to this list. The items are numbered. The second page is a list of possible fixes for the problems (also numbered). You can comment on the problems and/or fixes in general or if you want to comment on a specific item you can reference that items number. Please keep it clean and on topic. This is important for the future of short track racing.


What to Do About Auto Loans for People with Very Bad Credit #auto #battery #reviews


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Do Car Loans for Very Bad Credit Scores Exist?

While a payday loan may seem like a good way to get cash when you need it to buy a car, there are better alternatives out there, even when you need very bad credit financing. One of these alternatives is car loans for people with bad credit from AutoNet Financial.

They are meant to appeal to people who need cash quickly and have no other way to get it. In order to qualify for this type of loan, you need a job and some type of income verification (your employer can’t be paying you under the table with cash. Typical loan amounts range from $100 to $2500, while the duration of the loan is usually 2 weeks. Interest rates are loosely regulated by the states for these amounts and average 25% per month (unlike a very bad credit car loan. payday loan interest is computed monthly, not yearly).

In addition to interest charges, the loan company usually assesses an origination fee. Many of the storefront locations these companies operate out of also offer check cashing services, pawn loans and car title loans.

Real Bad Credit Car Loans – Why They’re Better

Here is a typical payday loan scenario when you need a car loan. Let’s say you take out a $2500 payday loan to buy a car instead of choosing car loans for people with very low credit. You give the auto loan company your employment information and a copy of your last pay stub. You pay them the $15 origination fee and sign a document that says you will pay them $625 in interest (25% per month) plus the $2500 in principal in 2 weeks. If you don’t have the entire amount in 2 weeks, the loan company will allow you to roll over the loan for another 2 weeks, provided you pay them the interest amount. Most states will allow this type of rollover to occur at least four times.

What is the true cost to borrow this money? Well, let’s take a look. If you ended up rolling over the loan four times, for a total of 2 and a half months, it would look like this:

  1. $15.00 in origination fee plus
  2. $2500.00 in interest charges

This amounts to a total of $2515.00 in interest and charges to borrow $2500.00. This equates to an annual interest rate of over 100%. One other thing: if you don’t pay the principal back, the loan company can garnish your wages – which can be quite embarrassing, to say the least.

Very Poor Credit Auto Financing

A better alternative to payday loans are very bad credit car loans from buy here pay here dealerships. These loans feature:

  • At least a 36 month repayment term, repayable in installments;
  • No personal check mechanism or other unfair collateral. Your car is the collateral.
  • Full consideration of the borrower’s ability to repay the loan – the lender reviews your poor credit history for car loans and bases the loan amount on your ability to repay the loan

If you are considering a payday loan, you should also remember that they do little to help you get back on your feet – much less reestablish your credit history and raise your FICO score.

If you are not planning on buying a car with a payday loan and, instead, use it to pay off bills, you should know that a better alternative to payday lending is for you to deal directly with your debt. Many creditors will negotiate partial payments if a payment plan is in place. Working out a payment plan with creditors can allow the consumer to adjust billing to pay off bills over a longer period of time.

Some employers will allow paycheck advances to employees. Because this is a true advance, and not a loan, there is no interest and the advance is much cheaper than a payday loan.

Payday loans are a type of lending that is considered predatory and should be avoided by consumers at all costs. If you have had poor credit in the past and you need to reestablish your car credit and raise your credit score, you should consider car loans for people with low credit.

We have 20 years of practice in special finance and work directly with special finance car dealers and the leading automotive financing lenders throughout all of North America. The knowledge and expertise we have gained through years of bad credit car loan financing for people enables us to give you the best assistance possible for your personal situation.


What s cheapest car insurance companies? Online Auto Insurance #auto #sport


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Online

What s the Cheapest Auto Insurance Company?

People often ask, What is the cheapest auto insurance company? Of course, we all would like to find it and pay cheap rates to keep our expenses low. But the reality is that there really is no single company that s the cheapest one of them all. But there is a tool to help drivers compare rates from multiple auto insurance companies and make a choice based on the best rate for them particularly.

Compare and find the cheapest auto insurance companies and quotes:

currently insured: yes no

Understanding how the rating process works is important for the purpose of finding cheap coverage from quality companies. Insurers adjust their rates according to their profits and losses.

  • Example A:
    • If a company has to pay out a lot of money on claims for certain categories of drivers, they can raise rates for those categories in order to compensate for the losses they have caused.
  • Example B:
    • If a company has had a large profit for a certain category of drivers because of few claim payouts, they can offer lower rates to those motorists, increasing the number of policies sold and consequently increasing profit.

There are many factors to look for in car insurance companies other than just price. Consumers should make sure they also take these other factors into consideration.

If drivers purchase coverage that didn t cover any damages other than those to others in order to keep the premium at its lowest, they may regret it if their own damages are left uncovered in an accident. Determine which coverage is best, and then find the lowest price for that exact protection. It s comparing apples to apples to determine which is least expensive.

The tool to find cheaper rates is the Internet. Compare auto insurance online from a bunch of companies with one simple process. You don t need to contact each one individually; just complete one single form.

Questions on Finding Cheap Insurance Companies

Auto insurance companies are both unique and competitive in how they rate motorists, and like many other products, there are usually distinct price differences between businesses. Individual insurers may target motorists in specific markets, meaning that the.

Everybody would love to know which company is cheaper than all of the others, if that were the case there would probably only be one out there. The truth of the matter is that there is no such thing a the “cheapest”. So, while a friend may be paying a low rate with their provider, this may not necessarily mean that they can offer the lowest rates to others. This is due to the simple fact that insurers view and weigh each individual’s personal statistics to generate a.

News about Insurers with Low Costs

July 28, 2014 – GEICO spent hundreds of millions more in advertising dollars last year than other personal insurance carriers, according to a recent report. GEICO’s $935.1 million in ad expenditures increased less than a percentage point between 2012 and 2013, but the company still spent $280 million more than Allstate, the next-highest spender.

April 08, 2011 – Auto insurance provider AAA released this week its 2011 Your Driving Costs study, which showed that the price of insuring a sedan dropped 6.1 percent while overall driving costs rose 3.4 percent since the publication of last year’s study. According to AAA, the.


What – s Best: New Liquid Glass Legend or a Carnauba Wax? #auto #detailing


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What s Best: New Liquid Glass Legend or a Carnauba Wax?

We recently received the question, Is the Liquid Glass Legend better than a carnauba wax? The answer is the not-so-simple It depends!

It depends on your goals. If you are looking for supreme shine and longevity is no issue because you re constantly detailing, go for a premium carnauba wax. It is the standard by which all paint enhancement products are measured. You ll see paint sealants marketed as having a carnauba-like shine. Carnauba waxes are more typically used to prepare cars for car shows because the shine is warm, reflective, and deep.

Let s say durability is your top priority. You prefer a glassy, slick shine and a low maintenance finish. Liquid Glass Legend is for you. This New-Age carbon/PTFE finish utilizes the hardest natural element on earth carbon to protect your vehicle s paint and maintain its showroom luster. Liquid Glass Legend can withstand just about anything the environment can throw at it. After 25 coatings, the finish is even chip-resistant.?

Whereas carnauba wax seems to transform the paint itself, Liquid Glass Legend looks like liquid glass poured over the paint and hardened. It s slick and mirror shiny. Liquid Glass Legend requires very little maintenance. Just wash your vehicle regularly.

So to answer the question, Which is better? both carnauba waxes and Liquid Glass Legend have their place in a detailer s garage. The better LSP (last step product) is in the eye of the beholder.


What Is Full Coverage? #auto #light #bulbs


#full coverage auto insurance
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What Is ‘Full Coverage’?

People often talk about having their cars “fully insured.” But for those who don’t really know the ins and outs of auto insurance terminology, exactly what does that mean and what type of coverages should they consider?

While there are many auto insurance options you can choose, there’s really no such thing as “full coverage” for your car.

The good news is that there are a lot of things you can do to make sure you have auto insurance that fits your needs and helps to protect you against a variety of perils that can cause losses. If you are conscientious and want to make sure you have all the types of coverage that are available, here is a list of several of the common auto coverages you may want to consider:

Liability Coverage

Liability coverage is typically included in all insurance policies, and it protects you from damage you cause to others or to property as a result of an accident for which you are at fault. Typically, the liability coverage in an auto insurance policy will contain three limits: the maximum payment for bodily injury per person, the maximum payable for bodily injury per accident and the maximum payable for property damage.

As you probably already know, if you’re buying insurance, all states require some level of liability coverage. Find out your state’s auto insurance requirements here.

Someone who is looking to obtain auto insurance coverage for their vehicle may want to go beyond the state requirements and buy a policy with higher liability limits. This may increase your premiums, but it will also give you greater coverage in the event of an accident.