Find Government Auction Cars

Many people are searching for cheap used cars in an effort to save money and get a good deal. Gone are the days when one would go to the local car dealer and negotiate a sale on a used car. The profit margins are hitting everyone right in the pocketbook, and it's just not the best place to buy.

One of the first places you should consider is to find government auction cars in your area. There are government car auctions in most every state and the vehicles are in decent condition. Why are these used vehicles in good condition?

First off, the used vehicles were generally part of the government fleet and have been maintained appropriately. They are also loaded with all the options generally considered necessary by consumers. Remember, it's been government officials and employees driving these vehicles around. So, they have to be in decent condition.

There are also government auction cars available that are located vehicles. These designated vehicles have been taken in lieu of unpaid taxes, repossessions by banks and other lending institutions, and yes, some of these cars have been located due to crimes. The sale of those vehicles often go to pay restitution to the victims and their families.

When you get ready to find government auction cars, you're best bet to go searching on the Internet with the appropriate keywords. You will need to do a little bit of legwork to locate the auctions sites nearest to you, and learn the process required to inspect, bid and buy one of these government auction cars.

Many people are turning to these government auction cars in an effort to obtain a decent, newer model vehicle for up to 95 percent off the book value.



Source by Toni Alexander

What to Look for in a Full Coverage Car Insurance Quote in Maine

When you buy a new car in Maine, you’re likely going to want to show it off. One of the pleasures of owning a new vehicle is turning heads when you’re cruising down the street. Not only will you catch the eye of people who wish they had the same car, but you may also attract the attention of car thieves. Every day many cars are stolen and unless you have adequate car insurance coverage you may find yourself without a car or a way to replace it if it does indeed go missing.

A full coverage car insurance quote in Maine will include the required liability, uninsured motorist and medical payments coverage. However, it should also include some, if not all, of the optional types of insurance. An important aspect of any full coverage policy is collision and comprehensive coverage.

Most of us never consider the possibility that our car could actually be stolen. Many new cars are very appealing to thieves and if you don’t have an anti-theft device installed you may wake up one morning to find it gone. Comprehensive coverage will offer protection for theft. If you have this coverage in place, you can expect to pay a bit more for your insurance. However, a good way to offset the higher premiums is to take a higher deductible. This will lower the rate you’ll need to pay.

Collision coverage is also a fundamental part of a full coverage policy. Collision offers protection just in case you ever hit an object, like a tree, a signpost or another car. Anyone who drives a late model vehicle should invest in collision coverage. When you consider the cost of parts and labor to fix a new car, it’s easy to see why the premium for this coverage is well worth it.



Source by Alexis Jensen

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

How to Get Car Insurance

Whether you own a decent Mercedes or a flashy Ferrari with spotless shiny paint, either way cars are considerably expensive in all respects. While most of us buy cars for the sake of bare transportation purposes, there's no denying it that while buying one you tend to spend an extra buck on it. So, while you consider flashy upgrades like a new paint job or new rims, or basic annual requirements like maintenance visits and new set of tires, one must not forget car insurance.

As we all know, car repair can be an expensive affair. So if you're involved in a minor accident, even though it may not have been a huge catastrophe, you'll have to afford basic things like engine repair, paint and other technical damage. So it's best to have a decent car insurance, which shells out against your vehicles damage repairs in case of a mishap.

Not only this, another important aspect why car insurance is a necessity is paying the second or third party damages, which come under comprehensive insurances. These insurances are known to provide full coverage. In other words, the insurance company shells out for your repairs and the second party's repairs in the case of a collision accident, it also covers your damages in other cases like natural causes, theft and many more. Needless to say, this amazing insurance comes with a premium that 'll have a few extra zeros at the end of the required amount, but in some cases it's worth it.

All's well when you accidently bang into a Toyota or something in its range, the damages are some what affordable to consider repairing. However, imagine scratching off a 5 series BMW. Ouch! That's going to be completely unaffordable for some of us. As of the rest who can afford to fix it, a nice deep hole in the pocket is guaranteed!

Another useful car insurance policy is the uninsured motorist coverage. Under this policy, if you were to meet with an accident, and the person at fault does not have insurance, your insurance company covers you up for it. So your medical bills and car damages are taken care of. Then the company extracts the amount from second party over a period of time. So, insurance is a must for your vehicle, be it basic repairs for your vehicle, medical bills, second party damages or damages in case of a natural calamity. A good policy will have you covered from all sides.



Source by David Jesca