Learn How To Buy A Car And Car Insurance Without Breaking Your Budget

Do you ever wonder why different cars cost you different amounts for auto insurance premiums? Why is it that a new Corvette may cost you $1,600 dollars a month in auto insurance and an older Buick Regal may only cost you $90 per month? The new car insurance cost versus the old car insurance cost is a subject that you must review before you buy any car. Review insurance costs before you buy and you will not get caught in a financial trap.

New cars cost more to insure than old cars for three reasons. First, an auto theft of a new and exotic car costs much more than the auto theft of an older and average style car. This is because of the large value difference of the new car versus old car. For example, a new Chevy Caprice is much more costly to insure than an older Chevy Caprice. It simply costs more money to replace a new, expensive car than an older, less expensive car.

Second, the cost to repair a new car is much more than the cost to repair an old car. As such, this fact shall also increase your insurance premium cost for a new car. For example, if a new Chevy Caprice is damaged in an accident, the auto repair shop will charge you much more money for repairs than if the subject car were a ten-year old Chevy Caprice. For this reason, your insurer will charge you much more insurance premiums on a new vehicle than an older vehicle because of such repair costs.

Third, the style and type of car also shall greatly affect the cost of automobile insurance premiums that your car insurance company will charge you. Insurance companies use actuarial statistic tables which show them the past loss experience on particular styles and types of cars. They use these tables, to help calculate what premiums to charge their customers in the future. Statistical tables show these insurance companies that owners of certain styles and types of cars, such as sports cars, engage in more risky driving behavior than owners of cars that are of average type and style.

For example, insurance company statistical tables show that the insurer has experienced more losses with sports cars than with average cars. It is because the owner of a Corvette will probably drive such car faster and riskier than the owner of a Toyota Camry. With such speed and risk also comes along more losses for the insurance companies. With such risk and loss increase, the insurance company must then increase their return and charge more for auto insurance premiums.

Another example of how the type and style of vehicle may present an insurance company with more risk is the off-road style vehicles such as the Hummer line of vehicles. These vehicles are designed to perform in the off-road type environment. They are raised up off the ground more than regular automobiles for under carriage clearance. Additionally, they also have four-wheel drive capability.

With such design capabilities, the statistical tables show that the insurance company has experienced more losses with these types of cars than regular cars. This is because the owners of such vehicles will engage in off-road driving which is both risky to the vehicle and driver. In fact, some insurance companies may bar recovery for such damages, when the owner of the insured vehicle was damaged while any engaging in risky, off-road driving. Again, with more risk, the insurance company will increase return and thus auto insurance premiums. Now that you know that certain styles and types of cars cost more to insure than others, you have to be smart about what kind of vehicle you are going to buy.

Rather than take a guess at what you believe a vehicle’s insurance costs are, call your car insurance company and ask your insurance agent for a free car insurance quote for the exact type of vehicle that you are interested in buying. You can get a definitive answer to your question of whether or not you can afford both the car and the insurance premiums required to cover your car against insured losses.

The time to make such assessment is not after you purchase a vehicle. At that point in time, it is too late. The time to make such assessment is way in advance of your purchasing an automobile. You definitely want to be able to make both car payments as well as insurance premium payments. Get a free auto insurance quote ahead of time and avoid financial problems.



Source by Jack Bennington

Silver Credit Cards

The lowest in the hierarchy of precious metal named credit cards, silver credit cards have been around since the conception of credit cards in the mid-1950s. Today silver cards have been surpassed in prestige by gold credit cards and platinum credit cards and so have more commonly come to be known as 'standard' or 'basic' credit cards.

Advantages of silver credit cards

The advantages that silver credit cards have over other types of cards include:

* lower annual membership fees (if any)

* lower threshold salary which you need to earn if you want to apply

* the same credit limit as other credit cards if you have a good credit history or manage your card sensibly

* 0% interest for between 6 – 9 months when transferring your account balance from one credit provider to another

The simple fact is, if you are not that fussed over the 'image' you portray when you are out shopping with your credit card, and are more concerned with how you manage your credit card debit, then silver credit cards are certainly more favorable than any other credit cards on offer.

Disadvantages of silver credit cards

* lower cash withdrawal limits

* less rewards in rewards promotion packages, such as a lower percentage rate cash back return with cash back credit cards or lower airmiles with airmile credit cards

* less travel perks – for example, if you have a gold or platinum card you may be entitling to automatic upgrades when traveling, but as there are more more standard silver credit cardholders, it is illegally this benefit will be afforded to you as well

* less prestige, which may mean retailers are less willing to give you the same service as they may provide to gold and platinum cardholders.



Source by Joseph Kenny

Lonavala: Weekend Getaway

Lonavala is a popular hill station that is located in Pune, in the state of Maharashtra. There are a number of wonderful tourist attractions in town and many tourists visit it often because of the wonderful scenery found here. There are a number of great hotels in Lonavala that offer some wonderful accommodation that fits the budget and finding a room will not be hard.

Lonavala can be reached easily from most places in the state as it is located on the Mumbai-Pune Expressway and is connected to many towns like Khopoli, Karjat and Talegaon. The town is also well connected to other places in the state by railways and there are a number of trains coming here from places like Mumbai and Pune every day. The train journey from Mumbai can take close to 3 hours and the journey from Pune takes about an hour. There is no airport close to the town, except for at the cities of Pune and Mumbai. A number of tourists from the cities of Mumbai and Pune have started buying homes here, which are usually vacation homes and second homes. This has led to a number of wonderful properties coming up in the hill station where people can buy great places to stay.

There are a number of wonderful spots at Lonavala that offer tourists some wonderful experiences. The Rajmachi point offers you some mesmerizing views of the town and the valley. There are a number of bus services in town that offer great transport between the town and places like Rajmachi Point. The Lonavala Lake is a wonderful place where one can relax and enjoy the scenery and Tiger’s Leap is another wonderful tourist spot in town that offers you some fantastic views of the town. There is also a wonderful wax museum that is located here, which is a great place to visit and popular among many tourists that come here often. There are also a number of popular dams located in town, like the Valvan Dam, the Bushy Dam and the Tungarli Lake and Dam, which are popular spots among tourists visiting the town.

Lonavala is a wonderful place for a weekend getaway or for a wonderful summer vacation, away from the hustle and bustle found in the big cities like Mumbai and Pune. There are a number of things one can do in town and it gives you an opportunity to see some of the most amazing places in the state.



Source by Himanshu Lal

5 Auto Repair Readiness Things You Must Do To Winterize Your Vehicle

Winter is coming, and just like you'll want to take steps to winterize your house against the cold weather, you should also prepare your vehicle against the onslaught of old man winter. Winterizing your auto is not difficult or too time-consuming. Most of the steps can be done on a do-it-yourself basis. The time and trouble spent following a simple winter prep routine will allow you to drive more comfortably and confidently when the cold weather hits. Here's a list of things to consider.

Engine Oil

Changing your engine oil and filter at the beginning of the cold season is a good idea. If you live in an area where the temperature drops below freezing, you might consider running thinner oil during winter. If you typically use 10W-30, switching to 5W-30 will provide better engine protection when driving in cold weather. If you're currently using conventional motor oil, consider the benefits of modern synthetic oils. These have been shown to give better anti-friction protection and allow for greater time or distance between oil changes.

Tires

Make sure you have the appropriate tires for winter driving is critical, especially for drivers likely to encounter snow and ice. Good all-season radials may provide adequate all year driving performance in areas where snow and ice are only a minor concern. Just make sure there's plenty of tread, with 2/16 "being the minimum.

In locales where snow- and ice-covered roads are typical, specialized snow or winter tires are recommended. This means having two separate sets of tires for your vehicle and switching them out at the beginning and end of the winter season. Keeping track of which tires were removed from which wheels will enable you to incorporate your regular tire rotation routine into the swapping over process.

Battery

Car batteries require more power to start an engine in cold weather and the preventive maintenance you perform now can save you from being stranded later. Batteries need to be topped off to the full level line and should have a charge of at least 12.4 volts. Make sure your battery cables are in good condition, with no cracks or cracks, and that the connectors are clean and fit tightly to the battery terminal posts.

Fluids

An automobile requires a variety of different fluids to perform properly and these should be checked to ensure that they are at the proper fill-level. These include power steering fluid, transmission oil and brake fluid. For proper winterizing, windshield washer fluid should be topped off with a solution that contains anti-freeze or some other additive that will prevent the fluid from freezing. This is also a good time to check the condition of your windshield wipers and to ensure that the nozzles that deliver the windshield spray are not plugged and are properly aimed for good coverage.

The radiator should be checked for leaks and filled with the proper mixture of water and anti-freeze, determined by the temperature in the area you'll typically be driving. A radiator flush is not a bad idea either, and will extend the life of this critical component.

Exterior Treatments

If your car's exterior has suffered any recent damage that has not been repaired, it's best taken care of before winter sets in. The harsh weather combined with salt used on roads will accelerate any rust or corrosion developing in the area of ​​a dent or ding. A good cleaning and polishing of your auto's exterior will provide wintertime protection from the elements, and should also be considered.

These five items are a good place to start your auto repair winterizing and should be done before the first frost. These preparations should give you peace of mind and should help to ensure trouble free winter driving.



Source by Ron Stockton

Stain Removal in Carpet – Stain Removal Help

Hey guys…It’s been a while since I’ve posted a helpful tip to add to your arsenal of automotive interior repairs I’ve giving here on my blog.

So I thought of giving you a little bit on Stain Removal in Carpet. This is one thing I get a lot of questions for and that is how to get those nasty brown, or black, or even red stains out of the interior carpet of the vehicles I work on on a daily basis.

The trick isn’t to it isn’t really a trick at all, it’s timing and knowledge of what to use where and when. Getting to a spill before it gets a chance to soak in is your best defense against a stain in your carpet. If you spill something wipe it up and soak it up as quickly as possible and then flush with water and soak it up with a towel, or what ever you have at the time. But that’s not always the case and that’s where this little guide will help you, but really if you can wipe spills up a fast as you can and this helps to get the actual stain out later when you have more time.

One of the most common stains I see in vehicles are footprints or skid marks from dirty and greasy shoes. The answer to this is a de-greaser. There are so many different options to use in this situation, but I’m here to make this as simple as possible and effective. Supplies you will need are a couple of white towels, a scrub brush and a mild detergent, like dawn dish soap, a small pail of warm water mixing the soap to 1/4 oz. soap to gallon of water. Dip your brush in the soap and water, scrub the areas lightly with the brush making sure not to soak the carpet then wipe and blot with the towel. Repeat if necessary, wiping and blotting the area with the towel to remove the dirt and grime and the water, you don’t want it to sour later if left wet. If your have a shop vac, use it to suck up the water and to fluff the carpet pile back up to dry better. Place a fan in the vehicle if needed to dry further if you’ve had a bad one.

Now sometimes more then not you will need something a little stronger to get the grease out. I use Castrol Super Clean, the purple stuff. I’ve used Simple Green at times too, and some of the products at some of detail shops I’m at from time to time, so really any good de-greaser will work. Just spray the area with the cleaner, scrub with the brush, then wipe it up with a towel. Now if at all possible flush the area with water, this will help to remove the chemicals from the carpet and will help to preserve the natural look to the carpet. Some of those chemicals are pretty strong and if left can damage the carpet.

Soda pop and coffee stains, are another I run across a lot. Now this one can be booger to get out. A coffee stain if left can do permanent damage to the carpet and at times I have had to just dye the carpet to cover up the stain. If coffee is your problem, here are a few tips, catch the spill as quickly as possible then flush with mild soap and water like before with the grease, but you may have to soak it a little more to get it out. Now if this is an old stain, one thing you can try is hydrogen peroxide. This can be used as a mild bleaching agent. Just pore a little in a cup and with a tooth brush scrub it into the stain let sit for about 20-30 minutes then flush with your soapy water solution. If this doesn’t work, I found a product at my local janitorial supply shop called Perculator, it comes in spray bottle and is primarily a peroxide mix, and works pretty good, but it’s still not a miracle worker. Coffee can be a pain, but with a little luck and timing on this one you can get it out. Now soda pop, if it’s not an orange or red which I’ll talk about in a minute, can usually be taken care of with the warm water and soap.

Food stains can range from greasy french fries smashed in the carpet to dried ketchup, to jelly beans and candy. Most of these can be dealt with with your soap and water. Ammonia can be added to the solution to help cut the greasy foods. Scrape the chunks out with a blunt knife before you get wet this will help to not spread the stain further. Candies might take a little more due to dyes added for color, wash as much as possible to remove the candy, if the stain remains you can try peroxide but like I said there are dyes in some candies that do just that, dye the carpet. Gum is another candy that can be removed with mostly picking it out but the rest might take a little chemical. Goof Off is a good one to keep on hand for a lot of different things, but it works great on gum too. After you pick most of it out just take a little Goof Off on a towel and wipe the rest right out.

Red Wine is sort of a food stain but treated a little different. If it’s fresh flush with cold water and soak it up as much as possible. Try even a little club soda and pore directly onto the stain and soak it up with a towel. This should get most of it. One last trick is an enzyme cleaner, enzymes get right to it when it comes to food stains. They are known for removing food stuff stains, but I haven’t had much luck with red wine though so I’ll talk about it in a minute on getting the red stains out of your carpet.

Now if you have a misfortune and happen to get a blood stain on your carpet then this one needs to be handled with cold water and not warm or you will set the stain. If it’s dried then scrap the dried blood with a blunt knife to get the chunks out, vacuum them up, then scrub the area with cold water and a mild soap. Peroxide can be used to help remove the reddish tint if needed. Then flush again with the soap and water, then vacuum with your shop vac. One other remedy is a blood enzyme, which will eat the blood away. Blood Buster is good one, it’s an enzymatic cleaner designed for bio stains.

One that I deal with upon occasion is pet urine. Talk about nasty…but, hey they have to pee too, just not where we always want them to. This one is one you can go to your kitchen for, vinegar, helps to neutralize the acids in the pee. Supplies for this one are paper towels if still wet, white towels, mild soap and warm water, brush and vinegar. First soak up what you can with if it’s still wet with the paper towels, next take your soapy solution of warm water and soap, 1/4oz. of soap to a gallon of water, dip the brush and scrub the area with the soapy water, blot with the towel and repeat until the stain is gone. After wards pore a little vinegar over the stain and let set for about an hour. Lastly rinse with water and vacuum with a shop vac or dab with towels until mostly dry. If the stain is still there, let it dry, then apply an enzyme. Enzymes work really well for all bio stuffs including urine. The guys over at Petguest have come up with a 100% enzyme concentrate that is made for the elimination of pet stains and odors.

The old melted crayon stain in the carpet….Man what a mess this can be, but believe it or not it’s pretty easy to remove if you have a clothes iron and a brown paper bag. Scrape the majority away with a blunt knife then lay the brown bag over the crayon and with the heated iron, rub it over the bag over the spot. The heat from the iron will melt the crayon into the bag. Just rotate the bag around to keep a clean side down and after a while the crayon will be on the bag not on the carpet. Patience on this one helps, but again if the spot remains try a little chemical like your Goof Off.

Paint is another carpet stain that can give you a bunch of problems. First thing you need to determine what kind of paint it is. If it’s automotive paint then a solvent paint reducer or thinner can be used to remove it. I usually use lacquer thinner, works fast and removes most paint spills. Now if it’s house paint, then scrape off the excess with a blunt knife and pull out the Goof Off, try not to spread it out to much, work small and from the outside in on the stain. I guess nail polish is a paint, but with this one use nail polish remover or straight acetone with a towel, and again work the stain from the outside in so to not spread it out to far.

Now this is probably got to be the worst carpet stain out there. The red stain in the carpet. This is caused by a #40 Red dye that is put in a lot of drinks like Kool Aid and, red and orange sodas. If you run across this one there is only one way to remove it and that’s with a strong chemical. I have found a product that I use on these type of stains and have had really good luck with it, it’s called Red Dye Solution. There are others out there like Red Relief, and Red Out, all work pretty similar. You pore the chemical on the stain, and with a wet white towel and a steam iron you remove the stain. It is a time consuming project and with some luck all of the stain will be removed. Sometimes a little blue hue will be left from the chemical but it sure is a lot better then a bright red stain jumping out at you. But with a little carpet dye over the top and your good as new. You can find these products usually at your local janitorial supply shop or online. I’m working on getting some here on my site, so bare with me.

Stain Removal In Carpetcan be frustrating at times, but there no substitute for a professional. These tips can help and may just save you but if you have any problems or feel that the stain is just a little above your head then don’t hesitate to call an automotive interior repair professional like myself to come in a make your life a little easier. For those of you that are the professionals feel free to post your tips in the comments so we can all benefit from your expertise in carpet stain removal.



Source by Michael N Warren