One of the most important and expensive purchases in your life, besides buying a home, is buying a car. Because of that it is essential to choose the right car for your needs. So how do you do that? I myself fancy a Porsche Carrera, but I doubt my wife would be very enthusiastic about it.
No matter what kind of a car you plan on buying, SUV, station wagon or a truck, your car will have just one basic mission in life getting you and your family fast and safe from one place to another.
When you decide on purchasing a car you need to know what you will be using car for. If you are single, a convertible could be the way to go, but if you have two or three kids it will just not do.
If you have kids and are planning a vacation think about all the luggage you are going to have to transport with you. It doesn't mean you need a truck, but you do need to think about trunk size of the car you plan on buying.
Car manufacturers produce lots of different models very well suited for average size family needs. Large sedans and station wagons are just a sample of the cars on the market today.
Small size minivans can also be great for family use, you get lots of space with lesser fuel cost, a thing not to be forgotten with ever increasing fuel prices
SUVs are a great fun as well as status symbols, they are also great for outdoors, but recent surveys show that less then 10% of the SUVs in US ever sees a dirt road. If one of your possible choices for car buying is an SUV, besides fuel consumption (which is enormous) you should also bear in mind the parking problems as well.
Pickups with crew cabins are one of my favorites (if you do not live in a big city). It is a great choice for people that need really versatile car. Pickup enables you to haul big loads as well as take your kids to football practice or camping.
And do not forget about hybrids. This is probably the best choice for environment conscious people living in big cities. They are extremely fuel efficient as well as much easier to find a parking spot then SUVs.
Usually hybrids have two engines, an electric and a gas one. Electric motor is in most cases responsible for supplying enough power for car electricity needs; this is done by accumulating electricity which is produced by braking.
This will save gas but probably not enough to earn a medal form Greenpeace, but it is a start. Also hybrids are more expensive then normal cars.
Toyota Prius is a great example of a very successful hybrid car, you can get it to run 60 miles for a gallon of gas. Over time such fuel efficiency can save you a lot of money besides helping with environment.
Then we have electric cars. They run on fuel cells and are environmentally friendliest cars available today. However electric cars are not good choice for everybody. Make sure to do a thorough research if you plan on buying one.
And at last you need to make decision whether you want to buy a new or used car. It is a personal decision to make, and there are lots of factors included in this, probably the most important as always being you budget.
Learn secrets of the car dealers, visit http://www.Driver-To-Driver.com and get free step by step guide on Car Buying
Article Source: http://EzineArticles.com/?expert=Joseph_Brinkley
Thursday, July 31, 2008
Wednesday, July 16, 2008
Cheap Car Insurance Guide - Must Read For All Car Owners
For sure, nobody wants to spend that much money when it is possible to get a service or a commodity, without compromising quality, at a considerably low price. Most drivers for that matter want to get cheap car insurance.
Getting cheap car insurance like any other type of insurance is dependent on many factors. These factors generally determine the amount of premium you pay for an insurance policy. In car insurance, there is a concept which insurers refer as risk groups.
Insurance holders are placed in risks groups depending on certain matters. Belonging in a respective risk group will have the effect of getting the same or almost the same amount of premium with other people belonging on that risk group.
Getting cheap car insurance is something that demands careful consideration of factors that affect or that may affect insurance premium. If you live in a neighborhood with high car theft rate this may increase the quote you get from car insurers. If you just park your car outside your house because you do not have a garage, definitely you can expect a higher quote.
If you have anti-car theft devices installed in your car, this will also impact the rate of quote you get from insurers. Car modifications you do with respect to the car you would like to be insured will also have an effect on the amount of premium you pay in case you finally decide to get an insurance policy.
These are but few of the factors considered by insurance companies in relation to how they determine the insurance policy premium they give you. So, if you are really going to get a car insurance, it is important to consider these things.
You can surely get cheap car insurance by doing the following simple things. First, before introducing any modification in your car it is better to get it insured first. Second, install anti-car theft devices into your car before you get car insurance. These simple things are really not that hard to do.
You can also get details online as to how you can get cheap car insurance and for sure online sites will not forget to include this: get four to six quotes from car insurance companies.
Surely, you will get different quotes and thus you have the chance to choose a cheap car insurance. But, also be sure you bear in mind the policy, terms and coverage because it is possible that you get cheap car insurance with very little coverage and this exposes you to further risks than getting a higher but more comprehensive car insurance.
Nowadays, car insurance is mandatory especially with respect to American States that make it legal requirement. Nevertheless, this requirement need not costs you that much money. You can always do some things to get cheap car insurance.
As getting cheap car insurance is something you work for, it is always beneficial on your part to be aware of matters like the things already mentioned that car insurance companies use to determine car insurance premiums. In car insurance, indeed, knowledge is still power.
About the Author
To read more about Cheap Car Insurance, Used Car Warranty etc., go to the largest Car Forum.
Getting cheap car insurance like any other type of insurance is dependent on many factors. These factors generally determine the amount of premium you pay for an insurance policy. In car insurance, there is a concept which insurers refer as risk groups.
Insurance holders are placed in risks groups depending on certain matters. Belonging in a respective risk group will have the effect of getting the same or almost the same amount of premium with other people belonging on that risk group.
Getting cheap car insurance is something that demands careful consideration of factors that affect or that may affect insurance premium. If you live in a neighborhood with high car theft rate this may increase the quote you get from car insurers. If you just park your car outside your house because you do not have a garage, definitely you can expect a higher quote.
If you have anti-car theft devices installed in your car, this will also impact the rate of quote you get from insurers. Car modifications you do with respect to the car you would like to be insured will also have an effect on the amount of premium you pay in case you finally decide to get an insurance policy.
These are but few of the factors considered by insurance companies in relation to how they determine the insurance policy premium they give you. So, if you are really going to get a car insurance, it is important to consider these things.
You can surely get cheap car insurance by doing the following simple things. First, before introducing any modification in your car it is better to get it insured first. Second, install anti-car theft devices into your car before you get car insurance. These simple things are really not that hard to do.
You can also get details online as to how you can get cheap car insurance and for sure online sites will not forget to include this: get four to six quotes from car insurance companies.
Surely, you will get different quotes and thus you have the chance to choose a cheap car insurance. But, also be sure you bear in mind the policy, terms and coverage because it is possible that you get cheap car insurance with very little coverage and this exposes you to further risks than getting a higher but more comprehensive car insurance.
Nowadays, car insurance is mandatory especially with respect to American States that make it legal requirement. Nevertheless, this requirement need not costs you that much money. You can always do some things to get cheap car insurance.
As getting cheap car insurance is something you work for, it is always beneficial on your part to be aware of matters like the things already mentioned that car insurance companies use to determine car insurance premiums. In car insurance, indeed, knowledge is still power.
About the Author
To read more about Cheap Car Insurance, Used Car Warranty etc., go to the largest Car Forum.
Tuesday, July 01, 2008
Teen Auto Insurance - What Is The Price Of Protection?
New drivers are extremely naive for the first several years and everyone knows this. Years of statistics have shown the insurance companies that these new drivers have a much greater chance of getting into an accident and this has an unfortunate effect, it causes extremely high insurance premiums. If the teen's parents put them on their current insurance its going to increase by one to two thousands dollars a year. There is no way to stop this spike in prices but there are a few tactics that can lessen it. The following is a few tips that can help.
1- Ride with your young driver. This sounds strange but simply showing your teen how to drive safely can help them not get into an accident which will help your insurance not go up anymore.
2- Never buy your teen a sports car or an SUV. Both have higher insurance then your normal sedan. Sports cars have a higher top speed which some teens like to test, this can lead to a very bad crash which can severely damage the occupants of the car along with anything else it hits. SUVs are a lot heavier than smaller cars and are more difficult to control some times, also when an SUV is an accident it has the potential to do much more damage to its surroundings then a smaller vehicle.
3- If you're teen has a job ask them to pay for a small percentage of the insurance. If they want to drive they should be somewhat responsible for the fees.
4- Encourage your teens to get better grades. A student with a 3.0 GPA or better can have a 10% lower insurance premium then students with bad grades. This is by far the biggest help when it comes to lowering cost of teen insurance.
5- Also there are many programs sponsored by insurance agencies that allow your new driver to lower their premium. Some of these programs will have the new driver go to special classes that focus on safety and being a good driver. Some classes even mount cameras in your teen's car and reviews them and tells the teen how to be a better driver. This method was shown on many big news networks a few years ago. Not all companies take part in these programs but it is something to ask about.
6- If you are looking for a another car insurance policy for your teen your best bet is to go online and get several quotes and compare. Many companies that allow there potential clients to get quotes online have much better deals then a real world agency. The competition online is so large that the companies have to lower there premiums. So you get the best deals when looking for auto insurance. Now the price is not going to be much lower but saving 5-10% should be seen as a victory.
When your son or daughter turns 21 there insurance drops a pretty good amount and drop more after that. Remember the biggest thing that can help you is making sure your teen knows how to drive safely. Good Luck.
About the Author
CLicksmore is the best place to find a auto insurance quote online!
The number one place to find auto insurance rate quotes!
1- Ride with your young driver. This sounds strange but simply showing your teen how to drive safely can help them not get into an accident which will help your insurance not go up anymore.
2- Never buy your teen a sports car or an SUV. Both have higher insurance then your normal sedan. Sports cars have a higher top speed which some teens like to test, this can lead to a very bad crash which can severely damage the occupants of the car along with anything else it hits. SUVs are a lot heavier than smaller cars and are more difficult to control some times, also when an SUV is an accident it has the potential to do much more damage to its surroundings then a smaller vehicle.
3- If you're teen has a job ask them to pay for a small percentage of the insurance. If they want to drive they should be somewhat responsible for the fees.
4- Encourage your teens to get better grades. A student with a 3.0 GPA or better can have a 10% lower insurance premium then students with bad grades. This is by far the biggest help when it comes to lowering cost of teen insurance.
5- Also there are many programs sponsored by insurance agencies that allow your new driver to lower their premium. Some of these programs will have the new driver go to special classes that focus on safety and being a good driver. Some classes even mount cameras in your teen's car and reviews them and tells the teen how to be a better driver. This method was shown on many big news networks a few years ago. Not all companies take part in these programs but it is something to ask about.
6- If you are looking for a another car insurance policy for your teen your best bet is to go online and get several quotes and compare. Many companies that allow there potential clients to get quotes online have much better deals then a real world agency. The competition online is so large that the companies have to lower there premiums. So you get the best deals when looking for auto insurance. Now the price is not going to be much lower but saving 5-10% should be seen as a victory.
When your son or daughter turns 21 there insurance drops a pretty good amount and drop more after that. Remember the biggest thing that can help you is making sure your teen knows how to drive safely. Good Luck.
About the Author
CLicksmore is the best place to find a auto insurance quote online!
The number one place to find auto insurance rate quotes!
To Used cars For Sale On eBay!
There are thousands of used cars for sale on eBay every single day. In fact, eBay Motors is the most profitable sales division on eBay and naturally there are many entrepreneurs who are interested in jumping into this market. For instance, eBay claims it sells an SUV every nine seconds and is the biggest online car dealer in America, exceeding the traditional car companies. In fact, there are 15 million cars sold over the Internet each year and growing. The recent rapid growth of the consignment business model has made the used car market even more enticing.
Many sellers are able to sell cars they have never even seen and with no more risk than the cost of the auction listing. Some negotiators even persuade the car owner to pay for the ad,thereby risking no more than their time. The biggest single issue for this business model is the trust of prospective buyers. After all, paying thousands or tens of thousands of dollars for a car sight unseen is an awesome leap of faith. Even buying for a plane ticket to go see a car before paying causes buyers to be uncomfortable.
The best way sellers can overcome this fear is to use an escrow service. The one chosen by eBay is Escrow.com, which handles eBay auctions in the US and Canada.
An escrow service acts as a neutral third party. In an exchange of merchandise, the buyer sends his money toEscrow.com and the seller ships the product to the buyer. The buyer usually has two days to inspect his purchase, and if he is happy, he notifies the excrow company who releases the money to the seller, minus its fee. If the buyer is dissatisfied, he returns the undamaged merchandise to the seller, and after the seller receives his merchandise back(in satisfactory condition), the escrow company returns the buyer's money. Thus both sides in the transaction are protected. The buyer almost always pays the fees for this, although sometimes buyer and seller split the cost.Escrow.com has created its "Vehicle Services Division" specifically for dealing with the used cars, trucks, SUVs and almost anything else with wheels and a motor. The buyer can have a 160 point inspection performed before agreeing to the purchase. This is an inexpensive service and certainly will save the buyer any headaches.
* The buyer pays a $125 fee that is non-refundable
* The seller is contacted and the inspection is carried out
* The buyer receives a report
* The buyer chooses to go ahead with the purchase - or not
Another choice for the buyer is to deposit his payment withEscrow.com and then take delivery of the vehicle. The seller ships the car after he knows the money is secure with the escrow company. The seller must provide tracking information, which is verified by Escrow.com.
The buyer has between one and 30 days to thoroughly inspect his new purchase (the period is negotiated between the two parties ahead of time). If this time expires and the escrow company has not heard from the buyer, it assumes he is happy and gives the purchase price to the seller.
The buyer may return his vehicle if he isn't happy and sometimes buyers and sellers work out partial payment agreements, the buyer being satisfied with some parts of the transaction, but not with others. If a dispute arises, it is settled by the American Arbitration Association.
The fee for this service is:
* $0 - $7,500 = value of vehicle: $125
* $7,500.01 to $15,000: $170
* $15,000.01 to $30,000: $200
* $30,000.01 to $50,000: $275
* $50,000+ = 6% of the value
Once both parties have agreed, the title transfer process begins and Escrow.com will guarantee this too, for a fee of$95. Title transfers are handled by Centerpoint Diversified Services which works in all 50 states. The fee, naturally, doesn't include any transfer costs - it is only insurance that the title will be expedited to the satisfaction of both parties.
Escrow.com also offers a service that will ship cars almost anywhere in the world and will gather an auto history report to inform sellers if their new chariot has been salvaged or stolen, suffered flood or hail damage, been in a fire or accident, has had an odometer rollback or has been used as a police car, a rental or a taxi.
Anyone considering offering used cars for sale on eBay would be well advised to thoroughly learn the services available through Escrow.com and offer those to prospective buyers. The trust factor will skyrocket and your chances of completing sales will dramatically increase.
About the Author
Manish Gaur http://www.youradsenseprofits.com/http://www.reprintarticlesite.com/
Many sellers are able to sell cars they have never even seen and with no more risk than the cost of the auction listing. Some negotiators even persuade the car owner to pay for the ad,thereby risking no more than their time. The biggest single issue for this business model is the trust of prospective buyers. After all, paying thousands or tens of thousands of dollars for a car sight unseen is an awesome leap of faith. Even buying for a plane ticket to go see a car before paying causes buyers to be uncomfortable.
The best way sellers can overcome this fear is to use an escrow service. The one chosen by eBay is Escrow.com, which handles eBay auctions in the US and Canada.
An escrow service acts as a neutral third party. In an exchange of merchandise, the buyer sends his money toEscrow.com and the seller ships the product to the buyer. The buyer usually has two days to inspect his purchase, and if he is happy, he notifies the excrow company who releases the money to the seller, minus its fee. If the buyer is dissatisfied, he returns the undamaged merchandise to the seller, and after the seller receives his merchandise back(in satisfactory condition), the escrow company returns the buyer's money. Thus both sides in the transaction are protected. The buyer almost always pays the fees for this, although sometimes buyer and seller split the cost.Escrow.com has created its "Vehicle Services Division" specifically for dealing with the used cars, trucks, SUVs and almost anything else with wheels and a motor. The buyer can have a 160 point inspection performed before agreeing to the purchase. This is an inexpensive service and certainly will save the buyer any headaches.
* The buyer pays a $125 fee that is non-refundable
* The seller is contacted and the inspection is carried out
* The buyer receives a report
* The buyer chooses to go ahead with the purchase - or not
Another choice for the buyer is to deposit his payment withEscrow.com and then take delivery of the vehicle. The seller ships the car after he knows the money is secure with the escrow company. The seller must provide tracking information, which is verified by Escrow.com.
The buyer has between one and 30 days to thoroughly inspect his new purchase (the period is negotiated between the two parties ahead of time). If this time expires and the escrow company has not heard from the buyer, it assumes he is happy and gives the purchase price to the seller.
The buyer may return his vehicle if he isn't happy and sometimes buyers and sellers work out partial payment agreements, the buyer being satisfied with some parts of the transaction, but not with others. If a dispute arises, it is settled by the American Arbitration Association.
The fee for this service is:
* $0 - $7,500 = value of vehicle: $125
* $7,500.01 to $15,000: $170
* $15,000.01 to $30,000: $200
* $30,000.01 to $50,000: $275
* $50,000+ = 6% of the value
Once both parties have agreed, the title transfer process begins and Escrow.com will guarantee this too, for a fee of$95. Title transfers are handled by Centerpoint Diversified Services which works in all 50 states. The fee, naturally, doesn't include any transfer costs - it is only insurance that the title will be expedited to the satisfaction of both parties.
Escrow.com also offers a service that will ship cars almost anywhere in the world and will gather an auto history report to inform sellers if their new chariot has been salvaged or stolen, suffered flood or hail damage, been in a fire or accident, has had an odometer rollback or has been used as a police car, a rental or a taxi.
Anyone considering offering used cars for sale on eBay would be well advised to thoroughly learn the services available through Escrow.com and offer those to prospective buyers. The trust factor will skyrocket and your chances of completing sales will dramatically increase.
About the Author
Manish Gaur http://www.youradsenseprofits.com/http://www.reprintarticlesite.com/
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