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

Functions of Different Automobile Parts

Automobiles are commonly can be seen in our daily life. With the development of the economy and the improvement of people’s quality of life, more and more people choose to buy cars for their own usage. Therefore, automobile plays a more and more important role in our society.

There is no doubt that automobiles consist of complex subsystems that work together to provide efficient and reliable transportation. Many different parts have different functions and performance. Some of them are quite familiar to us.

Among all the auto parts, engine is the most important. Its right performance leads to the good condition of the automobiles. It can run on wide variety of fuels such as gasoline, diesel fuel, and ethanol and so on. But do you know how does it work? It takes air from the intake tract and fuel from the carburetor or fuel injectors and compresses it inside the cylinder. Then the spark plugs fire, igniting the air/fuel mixture and forcing the piston down in the cylinder, which turns the crankshaft.

In addition to the engine, the drive axle is also a necessary part as to the whole car. It cooperates well with the transmission to achieve the effects. Generally, the drive axle takes the power from the transmission and channels it to the tires, which in turn propel the vehicle. And the transmission can take the power generated by the engine at the crankshaft and relays it to the drive axle. These parts work together to drive cars.

As to the transmission, it can be further divided into manual or automatic models. The former type is one in which the driver selects gears through the use of a shift lever and clutch pedal in the passenger compartment. While the latter one can shift through forward gears by itself, and the driver only needs to select between drive (forward) and reverse. Obviously, it is more convenient when compared to the former one. Thus, the automatic models are more and more popular among people in recent years.

The parts mentioned above are mainly used to push the automobile forward. However, what part do you need if you want to stop it? The answer is the brake system. It uses the power of hydraulic fluid to transfer the force the driver applies to the brake pedal to a clamping force that slows the vehicle. Then the brake pedal is attached to a master cylinder that pumps brake fluid through steel and rubber lines to each wheel. At each wheel, the caliper forces brake pads to clamp down on the rotor, a large steel disc that is attached to the wheel. This causes the vehicle to slow down.



Source by L Lois

Sync Your Travel With Truck GPS

Modern technology has brought many handy devices which made our lives easier and smoother. One such innovation that fits your pocket and becomes a guide, a navigator in any of your commutations is Truck GPS. These devices are alike to the GPS which we see in our smartphones that detect and navigate us through the route. However, the specialty of this system over the other products is its human friendliness and their aptness in routing the travel. The smartphone GPS system can’t render the specific details that this device able to. The device once set would give you every detail of the road you are traveling, the route you are heading towards and maneuvers heading up.

Besides that, the cell phone GPS system might be disturbed if you get a notification or call. Installing a GPS system is a solution to all such hassles. Let’s look at the Pros of a truck GPS system over smartphone GPS,

• Easy to Install: Installing this system is as easy as you download an app on to your smartphone. You need to follow the instructions provided step by step or take a professional help. Request your distributor to send in some professional help along with the delivery of the system.

• Speed Posting: you will be informed about the road you are traveling along with the speed of your car and the speed limit on that route. This will keep you from speeding up beyond the limits and prevent dangers.

• Fleet tracking: If you are into vehicles business, you might need this system to track your fleet of vehicles. This device would enable you to monitor vehicle’s route, speed, idle time and guide the driver to the right way, thus saving on fuel expenses.

• Quality service: With this system as you are tracking almost every action of the driver you can render best quality service to your customers if you are into cabs business.

• Alert notifications: This is a feature that enables you to understand and get notified about every detail of your vehicle under surveillance. You will get notifications about any sort of violations by your driver. Perhaps, it will send you a report or provides you reports on daily, weekly, monthly basis.

• Controlled Fuel costs: You can control or reduce the cost of fuel as the driver and vehicle both are under your eyes.

This will not only prevent uncertainties but ascertain the safety and security of both the driver and the customer. Get your truck GPS and have a safe and sound journey.



Source by Rizvana Manzoor

Educate Yourself More to Find Quick Ways to Make Money Over the Internet

Making money online can be a fun. Everything you love to do can help you in earning money on a regular basis. You just have to make an efficient use of the internet to find some quick ways to make money.

Although lots of people are now using internet to make money they need, the good news is that you can still find enough opportunities to boost your income. Actually, there is no better way to utilize your spare time than starting an online business. Although it can be a tricky situation to maintain your existing job along with your online business, you will soon learn to handle things well. So, do not get intimidated in the beginning. The whole thing looks difficult but it is not.

An important consideration:

To make money online, you must start things by creating a PayPal account. There is no better way to send and receive payments than PayPal.com. So, create an account today but try to go for a business account as it will allow you to make use of PayPal debit card. This card can then be used to purchase groceries, gas or anything you want. This card will make things much more convenient for you and you must open an account without wasting any time.

Here, it is significant to mention that there are several quick ways to make money online but it is easy to waste your money and time by making a simple mistake. You can avoid making such mistakes by educating yourself through those sites which offer assistance in this regard.

Always keep in mind that there are several ways to make money by using the internet but you must know how to deal with the whole process. You must have computer skills along with the capabilities to upload, download and transfer files as these things are required on a regular basis. So, educate yourself more as no one but you can save yourself from wasting your efforts.



Source by Travis Thomason

How to Get A Great Used Car Buy

Whatever your used car needs, there is always an ideal car well suited for you; be it a luxury vehicle like a Mercedes Benz, BMW, Lexus, Audi, and Rolls Royce; or a sports car like Ferrari, Lamborghini, TVR, Lotus, Maserati, and Porsche; and a saloon car like Toyota, Honda, Volkswagen, Nissan, Ford, or Mitsubishi. Who knows, people who are going to drive a BMW car buy them at these UK car online dealers and you will think that they are rich and famous for owning one. In fact, you too can even afford to have one; if you want to own a car buy them at the same envelopes.

For single professionals and students who have limited budget and want to save on gas for daily fuel consumption, an ideal car for them would be a smart car which is sleek and unique in design and very fuel efficient. If you too want to have that car, buy them at the same UK care sale outlets where you can get great deals for your purchase. Other great car buy offers include economic cars like Kia, Citroen, Chrysler, Daihatsu, Daewoo, Hyundai, Perodua, Peugeot, Ssangyong, Skoda, Saab, Seat, and Suzuki where you can buy them at a price less than £ 5,000.

If you have a budget higher than £ 5,000 but less than £ 10,000, then there are great selections for you to choose from like Toyota Auris, Prius and Yaris; Ford Focus, Fiesta and Fusion; Honda Accord, Jazz Saloon, and Civic; Mitsubishi Lancer and Colt 2009; and Nissan 2006 Note, 2004 X-trail and 2002 Elgrand.

These selections of cars are already great buy for you as they are well discounted yet good in quality. Great car buy can always be achieved if you are only diligent enough to research well on the right car buy for you.



Source by Dan Hackett