Car Rental Deals Guidelines – Important Factors to Consider When Shopping Around for Vehicle Rentals

People need to rent a vehicle for a variety of reasons: to drive around while on vacation, for business, or as a temporary replacement to their own vehicle. There are so many companies out there that offer a wide variety of automobiles of all models and makes that it can be difficult to find the right car or SUV for your needs. It's important that you look over car rental deals carefully so you'll know exactly what each one offers.

The companies have many of the same guidelines, with just a few variances depending on location. In most locations, the minimum rental age is 21, while in a few it is 18. There are some companies that actually charge a fee for any driver under the age of 25. If you are under 25, it's essential that you look over the policy carefully before renting a car.

A good company offers a seamless rental experience from the moment you book to the moment you return the vehicle to the drop-off location. If you want to rent a car as quickly as possible after your plane lands at the airport, make sure the companies you are looking into have offices that are easy to get to from your terminal. Keep in mind that the cheapest car rental deals are often found off of the airport's concessions. Determine whether it would be better to pay extra to rent a car from the airport or if you would rather take a bus or taxi to the rental office away from the airport and pay less.

Another essential factor to consider is customer support. The more options you have, the better. Will you be able to call for assistance right when you need it? What about insurance packages and roadside assistance? First, check with your credit card company to see if it offers coverage for car rentals. Your own insurance policy may offer some type of service for rentals. Read over the various policies of rental companies to have a better understanding of how their insurance packages work.

Which Companies Offer Car Rental Deals

There are many, many companies to choose from these days:

• Enterprise

• Hertz

• Thrifty

• Fox

• Avis

• Sixt

• Dollar

• Budget

• Alamo

• Payless

• National

• Ace

• Advantage

While this may seem like an overwhelming list, it does not have to be. Simply enter the dates and location (s) on which you will need a rental vehicle into a travel booking site and it will automatically give you a list of everything that will be available to you.

Some experts recommend booking the smallest car possible and then checking to see if any free upgrades or better car rental deals are available once you arrive at the pick-up location.

No matter where you want to go, you can always check and see if any online promo code can help you save on your next vacation. Use a website to discover car rental deals that can not be found anywhere else.



Source by George Botwin

4 Most Important Things to Know About Florida Motor Vehicle Dealer Surety Bonds

When you're considering the start of a new business, such as an auto dealership, there are many different steps you'll need to take, and many different requirements you'll need to meet. When it comes to obtaining your Florida auto dealers license, there are numerous specifics, and one of the most essential will be obtaining the proper Florida dealer bond insurance.

Use this guide to find the 4 most important things to know about Florida motor vehicle dealer surety bonds, to make sure you handle everything you need in the right way.

1. Dealer Bonds Are Always Required:

There are 10 different Florida auto dealers license types according to the Florida Department of Highway Safety and Motor Vehicles, but regardless of which type you have or need, you will need to have Florida dealer bond insurance in place. That requirement remains consistent, however, other factors as described below will differ.

2. Different Amounts:

Depending on the type of license you are operating under, you'll need Florida motor vehicle dealer surety bonds in different amounts. All motor vehicle dealers in the state need a $ 25,000 bond, for example. However, recreational vehicle dealers only need a $ 10,000 surety bond.

Additionally, you'll also have the option to pursue a line of credit in the same amount, as opposed to traditional Florida dealer bond insurance. This is a less common option though and often places more potential burden on the business owner. It may be easier for you to obtain though, depending on credit statuses and so forth.

3. Deadlines and Renewals:

In the state of Florida, motor vehicle dealer surety bonds are set to expire annually. However, different license types will have different expiration dates, so it's important not to make any assumptions.

For example, Independent Dealers, who have a VI license and sell only used vehicles, have an expiration date of April 30. However, Franchise Dealers with VF licensing, who can sell both new and used cars, have a December 31 expiration. Recreational vehicle dealers, both RV and RU licensing, expire on September 30.

These differenting dates are important to keep in mind, because if you miss your renewal date, you can unknowingly be committing a serious crime, and face major consequences. The dates are also different so as to reduce processing time across the year instead of having one major rush.

4. Other Requirements are Necessary:

Florida dealer bond insurance is one of the primary requirements for licensure. However, it's certainly not the only one. You'll also need proper garage liability insurance with the correct established minimums, and you'll need to ensure you file the right HSMV paperwork with the right fees, get a Federal employee ID number, get fingerprinted, undergo pre-licensing training, and more.

Hopefully by now you've learned more about Florida motor vehicle dealer surety bonds, and the different needs and requirements, and varying steps in the process. There's a lot to sort through, but having all the information available upfront will make everything much easier and smoother.



Source by John Rothschild

How To Get Even With Your Car Insurance Company In 10 Easy Steps – Part 1

How much do you pay for Car Insurance every year?

Eight hundred dollars a year? One thousand? Two thousand?

Whatever the amount you're paying now, you can slash that amount by more than 50% by simply following a few simple strategies.

Can you cut your car insurance costs by investing only 30 seconds of your time? No, that can not be done.

But if you're willing to spend 30 minutes today, this week, or next, I'll show you how to save up to $ 6,000 on your Car Insurance over the next 10 years.

Okay, here we go. Grab your Car Insurance statements page (the page in your policy that details all the coverage's you're paying for) and follow along. Make sure you take some notes. If you do not have your policy, or can not find it, call your car insurance company and get one – they'll send it to you pronto.

STEP 1 – Make sure you're getting all applicable discounts for your vehicles safety features, such as:

– Front, Side or Head Curtain Air Bags; – Automatic Seat Belts; – Anti-Theft Alarms or Tracking; – ABS or Traction Control …. and many more.

Think about the safety features you have …. and write them down.

STEP 2 – Review & Change Deductibles For Comp & Collision.

Most Car Insurance Policies have two deductibles – one for "collision" (you hit someone or someone hits you) and one for "Comprehensive" (all other damage or loss).

For both of these, have at least a $ 500 deductible – preferably a $ 1000 deductible.

Here's why – If you are currently paying a $ 100 – $ 250 deductible, you'll save up to 40% per year on your monthly premiums by moving it to $ 500. That means if you're currently spending $ 1,000 a year on insurance, you're going to get to keep $ 400 every year. If you jump to a $ 1,000 deductible, you could keep almost $ 600 extra a year in your pocket.

I can hear some of you saying, "Wow, a $ 1,000 deductible. That's a lot of money." Yes, it is.

So is paying $ 1,000 a year with that $ 100 deductible …. versus $ 400 a year with a $ 1,000 deductible.

The odds are in your favor – go with the $ 1,000 deductible.

STEP 3 – Review & Change Property Damage Liability.

Have you ever seen a $ 100,000 mailbox? Car Insurance Companies must have. Here's why ….

Property damage is not damage done to an automobile but rather "property" like a mailbox or a utility pole. So, why in the world would you need $ 100,000 dollars of coverage?

In most cases, almost 100% of all property damage claims can be taken care of with only $ 50,000 of coverage. So take a look at your policy to find out what you're currently paying for. And if you have little or no Net Worth, drop your coverage even lower – to $ 25,000 or your States minimum. You can find your States minimum by doing a Google search for "car insurance state minimums."

Here's what to look for on your policy – Many will have your liability coverage's listed like so – 50/100/100 – The first two numbers refer to bodily injury liability coverage. The 1st number is the dollar figure covered per person. The 2nd is the dollar figure per accident.

The 3rd number is the "Property Damage Liability." That's what you need to change. What does yours say?

STEP 4 – Review & Change Bodily Injury Liability.

Although Bodily Injury Liability Coverage is a must, almost all of us end-up overpaying for the coverage we need. This type of coverage specifically covers:

– Any and all occupants of an automobile, whether it's yours or someone else's; – Any and all occupants of another vehicle; – And Pedestrians

Your only goal with this type of coverage is to have just enough protection to protect what is yours …. in other words, your assets. And in order to protect your assets, you need to figure out what your Net Worth is – here's a well known site for calculating your net worth – http://www.kiplinger.com/personalfinance/tools/networth.html?

A great way to slash your premiums is to have no more in bodily injury liability than what your net worth is. Here's a common example of the coverage most people have – If your net worth is only $ 20,000 and you have $ 100,000 in coverage, you're throwing money away.

And if you have little, or negative net worth, just get the required State minimums. You'll need this info to get the lowest car insurance rates. Again, you can get to see your state minimums by Googling "car insurance state minimums."

Here's what to look for when trying to figure out how much coverage you have now. As I said earlier, most Policies today have your liability coverage's listed like so – 50/100/100 – The first two numbers (whatever they might be) refer to bodily injury liability coverage. In this example, there is $ 50,000 in coverage per person and $ 100,000 per accident.

What does your policy say? Are you paying more than your net worth? If so, change it.

STEP 5 – Review & Change Uninsured / Underinsured Motorist Coverage.

The uninsured / underinsured motorist coverage is a fantastic deal for car insurance companies …. and a lousy one for you. This premium alone can increase your auto insurance by a couple hundred dollars a year.

Most people think that uninsured / underinsured coverage is there to get your car repaired if it is hit by someone without insurance …. or someone with lousy insurance.

Wrong.

Any damage done to your car is already covered – by the premium you're already paying for collision.

First things first …. check your policy if your paying for uninsured / underinsured coverage now. If you are, Google "uninsured motorist state requirements" to see if your state requires it.

If it's not required by your State, cancel it.

If the State you live in requires require uninsured / underinsured coverage, make sure you have the absolute minimum required. These minimums are not advertised, change every couple of years and are very difficult to find. So, here's how you handle this.

Do a Google search for your State Department of Insurance, go to the "Contact Us" page, find a phone number, then call and ask what the minims are.

Do not try looking for it. Finding the minimums listed is almost impossible on most State Web Sites – they've buried it so deep you'll never find it. Just call your State Department of Insurance.

I know it's a bit of a hassle to get the info yourself. Yet relying on the Insurance Companies to give you the correct information is not very wise.

Next …. Part 2 of "How To Slash Your Car Insurance Costs In Ten Easy Steps."



Source by Here O'Leary

Personal Budget – 7 Guidelines That Will Help You Plan a Working Budget

Setting up your personal budget requires a hands-on approach. The following guidelines will help you plan a working budget to undertake this journey.

1. Gather all your financial details. That will include all of your bank accounts, credit cards and insurances papers – anything to do with your personal finances. These details will be needed to start your budget.

2. List all sources of income. This includes salary, rental income and regular dividends and interest.

3. Categorise your expenses starting with your commitments – list each item under headings such as:

  • Home: mortgage or rent.
  • Association and professional fees.
  • Insurance: health, motor vehicle, home, contents and life
  • Education costs
  • Day care and child care
  • Loans: car loan, student loan, bank fees and interest
  • Land tax or rates.
  • Other payments required as a commitment: motor vehicle licensing.
  • Investment – yes commit to your future and pay yourself!

4. List necessities – again list each item under headings:

  • Food, groceries, gas (petrol), home maintenance, security.
  • Utilities: gas, water, electricity, rubbish disposal, phone costs
  • School lunches, household supplies, car maintenance, internet service, dry cleaning, monthly parking.

5. Other expenses. Personal everyday expenses covering: lunch at work, snacks, coffee, drinks, newspapers, magazines, batteries, postage. Family and personal allowances: parties, entertainment, weekend outings, movies, concerts, other entertainment and events, home improvements and decorating, magazine and other subscriptions, dining out and fast food. Also include: clothing, hobbies, personal recreation, books, CD’s, manicures, hair care, alterations, shoe repair, personal and family gifts, gardening, film processing, video rentals, sports and gym, donations, computer software and other related items.

6. Once you have all your expenses listed add the total expenses and deduct these from your income. You will need to convert everything to monthly or weekly. This means that bills that are paid once a year must be divided by 12 to get the monthly figure. Convert quarterly payments to an annual figure then convert this to monthly. It is important that you include bills that are paid other than monthly to ensure that the money is available when the bill is due. Place the money in an interest bearing account.

7. Do you need to tweak your budget? When you deducted the expenses from your income was there any money left or did you find your expenses were more than your income? If your situation is the latter you will need to do some tweaking. The commitments cannot change. As for necessities you may be able to cut down on food expenses and find cheaper providers of utilities or try to save costs by being conscious of switching off lights etc. But it is the other expenses category that has the most capacity for tweaking as many of them are not needed and can be reduced or cut out. Review your budget regularly to make sure it is still working for you.

The time to start a personal budget is now and these guidelines are designed to make sure that your budget is truly a working budget — one that works for you!



Source by Lyn Bell

Car Rental in Los Angeles – Best Places to Drive Your Rental Car in Los Angeles

There are several great drives to seek out while enjoying the rental car. Of course most travelers will want to avoid the freeways during rush hours, but there are plenty of scenic routes to see in Los Angeles. Perhaps one of the most beautiful drives is Pacific Coast Highway. Situated along the bluffs overlooking the beaches and Pacific Ocean, PCH offers an unrivaled combination of scenic attractions. Commonly referred to on street signs as "PCH", this highway's most beautiful route is between Laguna Beach and Malibu. Sometimes the traffic is slow, but that gives the traveler a great chance to snap photos and take in the scenery.

Another great drive in Los Angeles is the stretch of Mulholland Drive in the Hollywood Hills. This street is well-known for housing famous celebrities. It is not uncommon to pass celebrities, paparazzi or other famous people while taking this scenic route. Winding and open, the road resemblies a mellow mountain drive.

Griffith Park is another interesting area to drive through in Los Angeles. Located in West Los Angeles, Griffith Park has many long and winding roads surrounded by lush trees, greenery and lowers. It is very common to see wild coyotes running through the park. Drivers may want to stop and look through the observatory over Hollywood and West LA

These are just a few of the best places to drive in Los Angeles with your rental car. For more information and articles on this subject please see our website address located in the Author Signature below.



Source by Peter G Coles