Getting Auto Insurance Online

First of all, one could use the world wide web. Using the internet to get auto insurance has many advantages. Not only will it save you a lot of time, but it could essentially save you a lot of money as well. It is easy to search for insurance over the computer as long as you have access to the internet. All you need to do is simply open up any search engine and type in the words "auto insurance" followed by your zip code.

You will most likely get two different types of results when you search for auto insuranc. You could either go through a website that will collect many different quotes from various companies, or you will be directed to one particular auto insurance company. If you are not sure what company you want to go with, it is best to use a website that will do the work for you. All you need do it is input some information, such as your name, address, and email, and you will be given many different quotes from auto insurance companies in your area. This is a great way to compare different companies and choose the one that is best for you. On the other hand, if you already know what company you want to go with, you could go directly to their website.

Once you know what auto insurance company you are going to choose, it is easy to buy auto insurance directly over the computer. This is another advantage of using the internet to find insurance. You could not only purchase your policy, but you also can print out your insurance cards and get immediate coverage within minutes.

If you do not have the internet, do not worry. There are other ways to get auto insurance. There are agencies out there that will get you the coverage you need and rates from many different companies. You could even open up your phone book and look under insurance companies. By simply calling around you are sure to find a company that best works for you.

If you would rather go and talk to someone face to face, you also have that option. You could look up an auto insurance company location and actually go and talk to a representative. Sometimes it is better to go and talk to a representative face to face, especially if you have a lot of questions about your policy.

As you could see there are many different ways to go about getting auto insurace. Since it is usually a necessity, finding the right company is important. Depending on your preferences you are able to choose the way you want to go about getting auto insurane. No matter which way you choose to go, you are sure to find a company that best works for you.

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An Easier Way to Look for Van Insurance Quotes

Renewing your vehicle's insurance can often be a bit of a bind. Not only do you have to phone round a number of companies, but you also need to give them the same information over and over. In some cases this can take hours. If you are looking for an easier way of obtaining van insurance quotes there has never been a better way than looking online. You can cut time, save money, and get peace of mind that you have found the best deal in the marketplace.

If you are worried that the big name companies won't be available on comparison websites then think again. All of the big insurance companies are included when you use an insurance comparison website, so you can be assured of getting the very best deals from companies you can trust. Getting a quote is ever so easy and you only need to enter your details in once to get the best quotes returned. Imagine the time you could save.

These days everybody is after a good deal and is trying to save money wherever possible. You really could be saving hundreds of pounds on your insurance when compared to simply letting your current policy renew automatically, or calling round just a small number of companies to get van insurance quotes. Getting your quotes will take mere moments online and you can even have these emailed to you so that you can consider the quotes at your leisure.

Van insurance quotes can differ quite widely and it really is worth checking over each individual quote and the policy details so that you get the best possible deal. You can choose to pay monthly or pay your premium as a lump sum, and online you can find lots of special offers available for difference insurance cover requirements. Ensuring you get the best cover on your van is essential. Looking over the many companies' policies online will give you peace of mind that you get the best insurance for less.

Don't call up many insurance companies to get van insurance quotes when you can save time and money using insurance comparison sites online. There are many such sites available and they are updated regularly to bring you better deals and more companies to choose from. Never before has it been so easy to get insurance on a new van or renew your existing insurance policy.

Another great advantage to getting van insurance quotes online is that you can tailor your policy exactly how you want it. Whether you run your own business or use your van for leisure purposes there is a van insurance policy out there waiting for you.

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Get an Online Car Shipping Quote on The Official Websites

Getting an online car shipping quote is a very common service that most of the vehicle transportation companies offer to their clients these days. You can easily fill in the quote form given online with the required details and submit that to the company. On receiving your details, the company will get back to you with your unique shipping quote. You can decide afterward if you want to take up company services or not.

Shifting from one place to another is not less than a hassle. And when you have to get your car shipped too, the hassle almost doubles. It is very hard to find a trustworthy shipping service provider who will take care of your car the way you do. To my knowledge, there are a lot of companies who offer their shipping services to customers at affordable rates. Most of the companies are recommended by their customers to others as well.

The transportation companies generally have their official websites where they display their services and regular clients. Different companies offer different shipping services. The common services that most of the companies offer include open carrier and closed services. Some companies provide services only inside the state and some provide services out of the state too. You even get the transportation services across the country.

The services offered by the companies differ from location to location and company to company. Nearly all the companies put their quote forms on their official website so that it gets easy for the client to contact the company and know their quote. The quote forms ask for very basic details that won't bother you at all. After you are done with filling the form, you must submit it to the company.

After receiving the details of the customers, the companies generally contact them back to let them know their quote either via phone calls or emailing or messaging. It depends on the customer if he wants to take the services or not. The companies clear all their services to the customers so that they can decide which service they want to take.

Even if you find it difficult to fill in the quote form, you can email or call the company and let them know your details. The company will provide you with your unique quote as soon as possible.

There are different companies in different areas, cities, states and countries that have their own customer following and services. The services of the companies differ from the area they are in and the targeted customers. But the main aim of all the shipping companies is to transport customer vehicles from one place to another at affordable prices, safely and on-time.

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How To Get The Best Insurance Quotes

What things should you keep in mind when looking for a way to make payments to your current insurer without any hassle? What does the insurance cover? Can you go for the online insurance option? Read on for the answers to these commonly asked questions.

Most people tend to pay their insurance company whatever amount they demand in order to avoid the hassle. But is it compulsory for you to get car insurance quotes from a local company? No, you are not bound to do so, especially if you have access to the Internet. Almost, everything costs you loss if you buy it online, isn't it? So, why can't you get insurance quotes online? Of course, you can.

How to get quotes?

There is no doubt that the web has brought a revolution in the world of car insurance. Nowadays, getting insurance quotes from the comfort of your home is a piece of cake. There are so many insurance providers online that their quotes have become quite competitive.

So, how can you get quotes online? Well, it is simple. All you need to do is go to an insurance site offering quotes online upon request. Once you have chosen a site, you can enter your details and the hit Enter. You will get a quote instantly or after a few hours in your email. As an alternative, you can try out an insurance aggregator website, which will submit your entered information to a number of online insurers. You will get a lot of quotes in seconds in your desired order.

Once you have got the cheapest quote, you can complete your transaction by phone or through the website of the company that offered the quote.

Choose a responsive provider

Most people have to deal with dishonest insurers since they don't have the information they need. With the advent of online insurance companies, it has become a lot easier to get cheap insurance. If you have no idea where to go and what to do, you may want to try out an insurance quote aggregator site. What do you need to keep in mind during your research? The first and foremost thing is that you should not go with a company offering the lowest quotes and low quality service. The insurer should be ready to answer your questions when you call them. Moreover, they should respond to your emails and calls promptly.

Lastly, it is very important to keep in mind that you should go with only an insurance provider who is popular and trust worthy. What does this mean? How can you find out if an insurance provider is trusty worthy? You can easily weed good providers out of bad ones. You just need to go to insurance provider review sites and then read reviews on several providers. At the end, you should choose one that has lots of positive reviews.

So, if you are looking for cheap insurance quotes, you can use the two methods explained above. Since there are so many insurance providers online, it looks like the days of conventional, local brokers have been numbered. With the passage of time, online insurance quote providers will run circles around local providers.

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Car Insurance Quotes Online

The automotive insurance business is very competitive and for that reason it is very easy to get them from almost any company. They can be found on almost any website that has advertisements running. This includes social networks like Facebook and MySpace that will take you instantly to a page that gives you them! Even news pages like CNN and Fox News have sidebar ads that connect to a variety of options for getting them. Some of the advertisements are for specific companies like GEICO, Progressive, Allstate, Farmers, etc and they will give you Quotes Online based on the deductible, amount of coverage and type of coverage that you want to carry or the coverage minimum mandated by the state you live in. Other advertisements and online links are for insurance resellers who will give you Car Insurance Quotes Online for a variety of companies and they get a referral fee if you sign up through their page.

Choosing from Car Insurance Quotes Online

Once you have them, you need to be very careful in making your choice. There are subtle differences in the coverages that different companies offer and you maybe saving money by reducing the benefits and coverage. Insurance companies are required to give you state minimums but you are responsible to make sure you carrying the appropriate insurance. They can be a fast and easy way to check you insurance and save your budget as long as you are well aware of the potential pitfalls.

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Which Types of Businesses Need Garage Liability Insurance?

Garage liability insurance is most often associated with car dealerships. However, many other types of businesses may either be legally required to have it, or could and should be using it to safeguard themselves. It's essential to understand more about what it is, how it's applied, and who needs it.

As mentioned, motor vehicle dealerships are the businesses most closely linked to garage liability, and this is absolutely true. In many states, having a specific minimum garage keepers policy is a requirement just to have a dealership license.

For instance, in Georgia it's a mandate with a $125,000 single limit, or a $50k/$100k/$25k policy, and in Louisiana it's also mandated, with a flat $55,000 minimum limit. Keep in mind that further differences may include the type of vehicle dealership that you're operating. Different requirements may be in place for used versus new car dealerships, dealers who sell both, as well as other types of vehicles, such as recreational vehicles.

Elsewhere, it may not be legally required for operation. However, that doesn't mean you shouldn't do it. Even if it's not a required component for dealership licenses, it should still be obtained by motor vehicle dealers in other states as well. It comes down to protecting yourself, your business, and your bottom line, and the coverage will assuredly pay for itself when a situation does occur.

While this is at the forefront of garage keepers liability, there are other businesses who should be using it too. For instance, it applies to valet parking garages and valet services at businesses such as restaurants and hotels, as well as oil change facilities, tire shops, car mechanics and repair shops, car washes, and a range of other businesses, too.

So what's the rule for when businesses should have garage liability? It comes down to any time or situation in which a business is handling the car of a customer, by either working on it, moving it, parking it and storing it, and so forth.

For all of the above reasons and circumstances, it's always important to work with a local expert who's familiar with the ins and outs of your state's regulations and requirements. Even if it's not a legal mandate simply to operate your business though, you never want to be caught without the proper insurance. Guard yourself accordingly before it's too late, with an effective garage keeper's policy tailored to the specific needs and circumstances of your business's operation.

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Getting the Right Type of Commercial Transportation Insurance

The world of commercial auto and transportation insurance is a massive one. There are literally dozens, if not even hundreds, of different types of policies and coverages, plans of all shapes, sizes, and scales. That's why you need to make sure you find the right policy for you, based on a huge number of different factors. Here's a beginning look at how commercial transportation insurance varies among so many different types of plans.

One of the first places to look is the industry you're in, and the type of business you're operating. The scope of this alone may be massive. For instance, with the same 18-wheeler truck, you could be delivering goods within a state, or across the country. Or, you could be a household mover either locally or nationally, or you could be performing all other types of tasks. The industry you're in, and the resulting locations you're in and materials you're moving, all factor in heavily in your coverage.

Along with that, also consider the way your business is being run, or your level of involvement. For example, are you the owner of a fleet of different trucks? Or are you the owner operator of one truck, working with clients directly? Maybe you don't own your vehicle, and you're either a contractor, or you work for an employer and his fleet of vehicles. All of these require different commercial auto insurance policies.

Of course, the largest area of difference when it comes to commercial transportation insurance coverage is the type of vehicle that is being operated, in tandem with the above variances of industry type and ownership or involvement status. The range of vehicles requiring commercial insurance is absolutely massive.

Sure, there are big rig trucks, but even within that, they could be refrigerated trucks, flat beds, or even log haulers or auto transporters. You need commercial insurance for your regular pickup, van, or even car, if you're contracting or doing other work for your business within your vehicle. Then there's the huge range of specialty vehicles, which includes everything from garbage trucks to HAZMAT vehicles, food trucks to non emergency medical transportation, and so much more.

Finally, keep in mind that much of this is fluid. There are always changing regulations, as well as new entrants to the market. Look no further than the complex area of Uber and ride share insurance regulations in this regard.

Make sure you find the correct type of commercial auto insurance for your very specific needs based on all of the above. If this seems like a lot to sort through, and certainly it is, be sure to work with an experienced professional who can get you a fair quote on a tailor-made policy for you, your vehicle, and your business.

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Everything You Want To Know About Online Moving Quotes

There are countless moving companies offering different types of services to their customers. It becomes a difficult task for the clients to identify the most perfect move for their specific needs. But internet has made everything so convenient and simple for the clients that in the comfort of their home, they can obtain the information they need to make their move smooth and secure. Obtain free moving quotes from various companies and then compare their rates for the same services. Enter the specific location you are planning to move so that you will be able to cut down on companies that do not match your requirement.

You will be provided free online moving quotes from the best moving companies, best local professionals to international movers who have specialization in helping you move to a new country. Special moving quotes are also available for those clients who demand high focused services like car shipping and office moving. Find fully licensed and most appropriate moving company that suits your particular move with the help of online quotes.

These quotes are unique in the sense that you can obtain them at any time of the day or night.

No matter how hectic your schedule is, with their help, you will be able to find an appropriate company very conveniently. Getting an online quote and estimate is also extremely simple. All you have to do is fill a short form, enter your move date, the move size and the state or city you are about to move. Then your information is forwarded to the movers who fit your specific needs. Soon you will receive estimated quotes from various companies in your email. In order to thoroughly compare the price and service of companies, it is better to obtain moving quotes from at least four to five companies.

Make sure that the companies also offer moving insurance coverage. It is also necessary to compare the rates for packing and unpacking services that has been offered by various movers so that you are able to get the most out of the moving service you are about to hire. This will even help you compare your estimates effectively and efficiently. Due to growing competition among moving companies, special discounts are offered to the customers.

So negotiate with them and try to cut down the price as much as possible. Now, enjoy hassle-free relocation without any tensions or headaches!

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Tips to Get Affordable Auto Insurance Quotes Online

Find the most affordable auto insurance rates online: browsing online for the top insurance provider names can help you get the best rate according to your needs. The great part about Internet shopping is that you can compare rates and quotes at any time.

With online auto insurance, you are guaranteed to receive the lowest possible rates, saving your thousands of dollars and precious time. Online insurance shopping can help you ease the stress of paying off the bills, managing your future installments while keeping your budget in mind. You can obtain best affordable rates by getting multiple quotes from the numerous insurance companies. Quick compare auto insurance quotes. An online comparison of the quotes can help you in a great way getting the best rate.

Get an estimate quickly and easily with the online comparison service. You can save a lot of money and time with insurance quotes instead of wasting it on paying visits to insurance executives to find out various insurance plans. While sitting in the comfort of your home or office, you can find the most affordable quotes that suit your needs. Easily compare quotes from multiple companies by simply filling out your personal details in an online registration form.

How to find affordable insurance with a good credit rating? It's incredible how much you can save on your money if you provide all your personal information like name, age, marital status, car's safety features and annual commuting miles etc. When you enter your city zip code, websites use this information to connect you to the numerous top insurance companies and you can get access to dozens of comparison quotes. Credit history and driving record of the driver have become important rating elements in order to provide the correct estimation for the insurance rate.

Online insurance can help you find the most affordable deal that you need so that you are able to make right buying decision about the best policy according to your time and budgetary needs. Insurance premium depends upon the age, sex, experience of the driver and type of policy that you take.

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What to Do if You Do not Have Health Insurance - You Might Not Beat the Odds

Have you been working hard and paying your bills on time your whole life? Saving your money and trying to get ahead, looking forward to retiring some day? You read in the paper and hear on the news about so many people that are uninsured. Uninsured, and do not have health insurance because they can not afford it. Are you one of the uninsured people like I am? Are you worried about having a health care emergency and not knowing how you would pay your medical bills? You know you really can not switch jobs. You feel you're getting too old or under skilled to be hired by anyone else. You might even be self-employed too. You know you can not or do not want to learn a new skill to get a new job at a larger company that has group health insurance. Your present employer really can not afford health insurance for his employees and you do not see that changing where you work.

You have gotten by this long without health insurance and you know that you should do something about it. But health insurance is expensive and getting health insurance is a good idea and something you have always been planning to do. But, we just keep putting it off, until it is too late. So what is a man with a family, or a single person do if you barely can find the money to pay for the necessities, like the rent, or a mortgage, the higher price of gas and food, much less expensive health insurance?

Do you think you can beat the odds? For men it is one in three, for women one in five that you will have a major health care emergency hospitalization and incur medical bills for surgery, hospital stay, outpatient medical care, therapy and prescription drugs. Do you worry and lay awake at night, wondering how you would pay for emergency care, if you needed it?

Ever wonder what you will do if the worst happens and you had to go to the hospital without health insurance? In a word. Bankruptcy. The retirement you worked your whole life for and dreamed about ... the retirement you always envisioned is gone ... taken away from you in an instant. And by a calamity you have tried to avoid. A calamity that broad sided you, and you had no warning and you never knew what hit you.

Imagine this scenario. You are 55, been in great shape your whole life, you work hard and live right, do not smoke, eat healthy foods, watch your weight and have been taking care of yourself the best way you know how. But you've been getting a little short of breath. You shake your head and say "it's just getting old" and keep right on working on the house, the car, the lawn, the crops or a new project you just have to get done. While working, all of a sudden you feel really short of breath. You stop, sit down and can not breathe. You look down and your arm is feeling funny and tingly. All of a sudden you feel a shooting pain running up your arm into your shoulder, "ah ... just overdoing it again" you say to yourself. I'll just rest a spell and it will go away. But this time the pain does not go away like other times. You feel the numbness and worse, a stabbing pain goes into your shoulder. Quickly the pain intensifies and travels deeper and is shooting across your chest, a crushing pain and now you are really scared. "Wonder if this is a heart attack?" You know you waited too long and it's too late ... This time it's for real. You are in the middle of a heart attack.

You are desperate and in stabbing pain. You know calling 911 might save you ... if you can get to a phone. You call for your wife and she is inside the house and does not hear you. You try to get up and feel faint and you have no strength and your legs just can not move. You holler louder, it hurts so bad and she hears you this time. She rushes to your side and you are so short of breath you can not talk, the pain is too great. You point to your chest and she can see by the look on your face you are suffering and in great pain and something is terribly wrong. She runs to call 911, frantic about you and tells the ambulance to come right away and she thinks you are having a heart attack. She runs back to your side and you both are terrified scared and all you can do is wait.

The bad news has just begun ... When the ambulance arrives, you find out the very worst has happened. You really are having a heart attack ... they rush you away to the hospital, taking your vitals and giving you the medicines to save your life. Expensive surgery follows with angioplasty to open up your blocked arteries in your heart, and you get a stint to keep the worst blocked artery open. The doctors say that you should make a good recovery with adequate care, rest and therapy. You will have to take heart medications and high blood pressure drugs the rest of your life. Already the worry has started, and you think to yourself. "How am I going to pay for this"? The deep financial worry never leaves you. You have heard stories of financial disasters happening to good people with no insurance, Tragic consequences coming to people getting hit with huge medical bills for surgeries in the tens of thousands of dollars. You lost ... you did not beat the odds.

Now what can you do? Your retirement dream is gone, now you will have to work the rest of your life to pay your medical bills off. The story, I shared real, this medical tragedy happened to my brother, a farmer, a hard worker, a self-employed bulldozer operator in the prime of his life. No health insurance and he now faces a $ 45,000 medical bill he can not pay. Not unless he wants to sell the beautiful log cabin home he built with his own hands and the farm he worked his whole life for. He is worried sick and tied to heart drugs for the rest of his life. Heart drugs and a stint that make him feel even more sick. He has decided to sell part of his land to pay the hospital and clinic bills. He hates to do this, but has no choice.

He tried to pay the hospital and clinic with agreed upon payments of a $ 1,000 a month each, paying every penny he could, but that was not fast enough or good enough. The hospital and the clinic still turned his account over to the collection agencies even though he was paying over $ 2,000.00 a month. He is an honest man who worked hard his whole life and did not deserve this. He can barely afford the heart drugs and makes just enough money so he does not qualify for state-assisted health care or prescription drug benefits.

One more thing is important ... That is not the only calamity. He is not eligible for any type of health insurance for his heart, even if he could afford to pay $ 850.00 a month for health insurance coverage, plus his monthly medical bill payment to the collection agency. Why? Because now, he is uninsurable. In order to be covered under health insurance for his heart, he would have to not have any hospital care or treatment related to his pre-existing condition for seven years to quality for having that heart condition covered under any health insurance policy. For my brother, he will have to work harder than ever to pay this debt off, just when he should be taking it easier and not working so hard to prevent yet another heart attack. There will be no retirement for him, he is 59 and that is a terribly hard price to pay.

What does this mean for you? Do not wait, do not let a major health problem ruin your chances of retirement. Health care coverage can be purchased and can be budgeted for. If my brother knew what was going to happen, he would have borrowed the money for a health insurance policy. He could have spared a couple thousand a year for an inexpensive health care policy with a high deductible. This would have cut the medical bills he received by a significant amount, and he still would have health insurance to cover him in the future. When you're lying in bed at night, think of the people you know that have had their lives turned up side down by a health calamity, lost their jobs, their homes, all their savings and their cherished retirement. This is too big a price to pay. Take care of yourself, and your family. Protect your retirement dream. Getting an online insurance quote, is easy, and safe and can help you take a step in the right direction. Help remove most of the worry, about "what if a medical emergency occurred to you or a loved one". Would you be covered? Let's hope the answer is "Yes."

When I got laid off from a great job due to a large corporate company downsizing, at the age of 50, I lost my group health insurance. I went on the Internet and found the online insurance quote websites a real help. The easy to fill in forms "just fill in your zip code" got me started with my online quote. The websites were easy to use, and I enjoyed getting free insurance quotes. The websites linked me with top insurance agents who helped me figure out how to compare the quotes. The agents were friendly, easy to talk to, and I got a policy to protect me at a cost I could afford. Please click on the link above and get some health insurance that will protect you and your loved ones. Just knowing something really can happen and taking the right steps to protect yourself can help remove some of the worry. Do not try to beat the odds, you may not win. Do not let a small financial burden become an impossible one. Do it for yourself, do it now before it is too late.

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Motoring News - Life in the Fast Lane is Slowing Down

Anger is beginning to rise as the cost of petrol accelerates at an alarming speed, with wholesale and tax prices being blamed for "pump prices heading for yet another all-time high", according to the Independent website. RoamingTimes.com has reported that "fuel economy is on many RVers minds", especially with a Class A motorhome getting only 7mpg. The Class C Dodge Sprinter chassis addresses this problem, and can do as much as 20mpg overall, according to Dodge.

Angry motorists have slammed on the breaks as a result of petrol prices escalating, with experts warning fuel costs will continue to rocket to record highs of £1.25 per litre by the end of 2010. The sudden increase according to Chairman of RMI, Brian Madderson, might be down to an increase in the price of oil which could add as much as another 5p per litre at the pump.

Spokesman for the AA, Luke Bosdet warned that "driver's budgets were already stretched to the limit and any price hikes in 2010 were likely to be devastating". This is bad news for motorhome owners who spend a long time at the pumps, filling their mobile homes up. They could be there for the same length of time but for a much higher cost if prices continue to rise.

Putting pedal to the metal will be a thing of the past if prices keep rising as they are, with people slowing down in a bid to preserve fuel. This may be good news for police patrolling the motorways looking for speeding motorists, but bad news for people who have far to travel, with their journey taking even longer plodding along in the slow lane.

According to the Independent website "petrolheads may be squealing as pump prices approach an all-time high, but drivers of diesels are sitting pretty". Diesel vehicle owners may have splashed out on average around £1,000 extra on upfront costs, but with the 20% greater fuel efficiency owners are hoping to recoup the initial costs.

The motoring industry suffered after the January VAT increase, resulting in a 2.5% rise. To further add to the misery for motorists, fuel duty is set to rise on April 1st by inflation plus 1p. This is more bad news for drivers around the UK who are planning to motor their home around the country this summer.

Source : http://ezinearticles.com/?Motoring-News---Life-in-the-Fast-Lane-is-Slowing-Down&id=3945878

3 Things for A Successful First Car Loan

The harder you work, the luckier you become.

Every first-time car buyer should keep these words close to his heart. Auto loan process is difficult for everyone. But, it becomes a harrowing experience for first-time buyers because of their ignorance and inexperience.

If you are in the auto financing market for the first time, do not worry. You need to take care of three important things because they will ensure a successful car buying process.

1. Cash

Days of barter are over; the era of cash is forever.

You cannot buy anything without cash. Even if you apply for a car loan, you will be required to make a down payment. So, it is important that you work-out your budget before buying a car.

You will need cash for the following things:

>> Down payment

>> Monthly payments

>> Insurance

>> Registration fees and taxes

>> Fuel

>> Maintenance

So, make sure that you are ready to assume the financial responsibility of a car before searching for one.

2. Credit score

After the days of report card, the days of credit report begin.

Just like colleges and universities check your SAT scores before approving your admission request; lenders check your credit score before approving your car loan application. Your credit score will determine your credit worthiness and help lenders in deciding the interest rate. Ninety percent of lenders opt for FICO score provided by any of the three credit bureaus: Equifax, TransUnion and Experian.

Every credit bureau gives different importance to credit score components. So, there are differences in each of your credit score. And, every lender has the right to use a credit score from any of the credit bureaus. So, it is important that you concentrate on your credit score range and not your exact credit score number.

If you have not obtained any type of credit before, you will not have any credit history. Following are the options for car buyers with zero credit score:

a. Obtain a no credit auto loan program for your first car.

b. Ask your parent to assume the responsibility of the loan.

c. Build your credit score by obtaining a secured credit card, department store card, etc.

3. Co-signer

Usually, a first-time car buyer has zero credit history. This creates a risky situation for lenders. They don't know whether they can trust someone with no history of making regular payments. It is for this reason that lenders require someone with established credit history to co-sign you loan agreement.

Remember that a co-signer is different from a co-applicant. A co-signer has no right on the ownership of the car whereas as a co-applicant has equal right. You can ask your friends or parents to become a co-signer.

If you have trouble finding a co-signer, you can request the lender for approving your loan application without a co-signer. Although, no co-signer option should be considered as the last resort because it is expensive.

So, these are the three things that should be kept in mind before searching for your first car loan. Remember the words of Charles Buxton: "In life, as in chess, forethought wins."

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Guide to Car Rental Companies in Costa Rica

"My time's limited... how do I choose?"

Car rental is a hot topic for vacationers headed to Costa Rica. Recent research conducted by the Costa Rican Institute of Tourism (ICT) indicates that, after accommodations, renting a car is the largest expense, averaging $702 for an eleven-day vacation.

The Internet is buzzing with negative reviews discussing overcharging, poor customer service and mechanical breakdowns. You might have even written one yourself!

A typical midsize (3 - 4 adults) 4X4 rental runs between $58 and $65 daily with third party insurance and rates can vary as much as 20 percent among car rental companies, so reading a quick review will be time well spent once you calculate the savings.

So the question is; which rental company offers the best balance of fair price, capable customer service and reliable vehicles? I've researched it all for you, so keep reading!

Disclosure: This research was conducted in May - July 2013. The following companies were selected because they are the most widely used in Costa Rica. Some are local companies; others are international franchises of recognized brand names. Comparisons include: customer service, pricing and the reservation process. The companies are listed alphabetically and not based on personal or online preferences.

Consider this information before renting:

Insurance

One of the biggest causes for complaints is from the stack of unforeseen charges presented to the renter once standing at the rental company's counter. Vacationers are typically tired after a long flight and then are confronted by costs that were not anticipated, explained or budgeted.

Topping the list of grievances is the non-disclosure of fees associated with the mandatory third-party insurance at the time the reservation is made.

According to Costa Rican law, every driver is required to carry liability coverage to insure against injuries to third parties. Car rental companies generally refrain from disclosing the cost of this policy in the quoted rental rate to appear more competitive. Mandatory third-party insurance can sometimes be as much as double the vehicle's rental cost. The only guarantee against insurance confusion is to inquire if your estimate includes the third party insurance and insist on a written quotation.

Cost of Mandatory Insurance (also called Third Party or SLI)

Expect to pay between $12 and $15 daily for this insurance, depending on the make and model of the rented vehicle and the rental car agency. This is a legal condition of your rental agreement and is generally not covered by credit cards and cannot be waived. It's a fact of renting a car in Costa Rica.

Collision Damage Waiver (CDW)

As the name suggests, this isn't insurance, but a waiver, which relieves the renter from any liability for damage to the rental car after the deductible is paid (usually from $750 to $1,500). Some agencies require renters to purchase their CDW policy; thereby negating any credit card program. For an additional fee, many agencies do offer a zero liability option where the renter will be freed from paying for any damage to the car. Some companies may put pressure upon renters to purchase the zero liability coverage; however, it is entirely optional, unless it is in the fine print of their rental agreement.

Credit card insurance programs may cover the CDW for a rental vehicle. Check with your chosen rental car company to find which proof of insurance is needed and then request that from your credit card company prior to arriving. If you use your credit card's CDW policy, expect to pay a higher deposit on the vehicle; around $1,500 to $2000 is common. The higher deposit ensures that the credit card holder has enough financial reserves to cover damages if needed. It is important to consider that if using CDW coverage provided by a credit card (in lieu of the rent a car operator), all damages will be billed to the renter's credit card. The credit card company will then reimburse the card holder for damages.

More Insurance

Tires and windshields are rarely included in insurance policies, although additional policies may be taken out for covering these frequently damaged items. Neither the interior nor the underneath of the vehicle may be covered. Always read the fine print.

Standard Procedure

Your credit card will be charged, or a 'hold' placed, for the rental vehicle during the time of the rental agreement; i.e. from picking up the rental until you return it. Debit cards are generally not acceptable.

Additional Charges

Most companies have surcharges for additional drivers, car seats/boosters, cell phones, coolers, GPS and/or roof racks. The costs vary from company to company, but since these extras are billed at a daily rate, it is worth checking the total cost -- additional options can add up very quickly! A GPS is around $8 to $10 per day; however, some operators may offer discounted units. Expect to pay around $5 daily for a child seat and a few dollars a day for all the other 'niceties'. Vamos is notable for offering most of these options and, during some promotions, even the GPS rental complimentarily. Alamo, Budget, Hertz and National charge the most for such additional options; whereas the other companies listed, charge more reasonable prices.

Surcharges

Most companies add small incremental costs, such as license plate and environmental fees, into the total tally. Be wary of operators who insert these additional charges into the small print of the rental contract. Vehicles rented direct at the airport incur airport taxes, which are a whopping 12% of your rental cost!

The rental vehicle should be returned with the same amount of fuel, unless otherwise indicated. If not, companies may charge above gas station rates for missing fuel.

Vehicles

There is a debate over the vehicles supplied by rental companies: Older cars allow the driver to blend in more than a shiny, new car. Having an older model may have the indirect benefit of being less scrutinized by car rental agencies for recent nicks and scratches, unlike a newer vehicle. However, a newer vehicle may be more roadworthy. This debate carries on into the different vehicle makes and models. Generally, Costa Rican firms are able to rent their vehicles for a lower rate because their cars are typically three to five years old (versus two to three). Online reviews would suggest that the local firms have no more complaints concerning vehicle quality than transnational franchises; research on forums, such as TripAdvisor.com, seems to indicate that customers frequently appreciate driving a less-than-new vehicle through the wilds of Costa Rica. The reasons are plenty, from road conditions to the notion of less-then-new vehicles blending in better -- a newer vehicle may draw more unwanted attention.

The choices of rental cars in Costa Rica are mostly limited to makes and models that maintain a competitive resale value, are a common brand in the country, and are inexpensive to maintain. As such a rent-a-car operator's fleet tend not to be as diverse as the United States. Toyota, Nissan, Mitsubishi and Hyundai constitute the mainstay brands of most rental fleets.

Sometimes, drivers are charged for supposed 'damages' to the vehicle upon return. Once receiving the vehicle, renters should meticulously check for pre-existing flaws and compare it with the vehicle inspection document used by the rental car representative. Some renters suggest photographing or videoing the vehicle from all angles, to avoid any disagreement between pre-existing and recently damaged items.

Pricing

Car rentals in Costa Rica are pricier compared to other countries. Duties on vehicles are high (as much as 50% of their value!), parts are costlier and unforgiving road conditions contribute to higher wear and tear, generating higher maintenance costs.

The rule is you get what you pay for -- there are other options than those rental companies listed here, but they are not listed for a good reason. They simply fail to offer basic customer service and/or a suitable vehicle condition required for a (nearly) trouble-free vacation.

When comparing rental car charges, it is best to go directly to the Costa Rican website of the rental car company, rather than trying to use their international format or an intermediary (Expedia, Travelocity, Orbitz, Kayak, et al.). For the same vehicles and reservation dates, the rates offered by the respective international vs. Costa Rican websites for Alamo, Budget, Hertz and Thrifty differed substantially.

To avoid confusion, print out all correspondence with the car rental company with whom you have reserved a vehicle and bring this to the rental office with the quote given at the time of reservation.

The following top ten chart ranks the companies from highest priced to lowest and it includes the mandatory insurance charge. In the cases of Alamo and Hertz, the figure contains their CDW fee as it is one of their rental requirements. This price comparison is based on a week's rental of a Daihatsu Bego, where available (Dollar offers the Suzuki Vitara) from September 14th - 21st, then again in December to view both Green and High Season rates. The list quickly demonstrates that the price variation depends greatly on the company -- for basically the same service. These prices were obtained in June/July 2013.

Rental Car Companies Ranked According to Price

September

10. Alamo $650.96

9. Hertz $514.27

8. Adobe $449

7. Budget $455

6. National $428.01

5. Thrifty $421.05

4. Service $374.43

3. Vamos $370.30

2. Dollar $364

1. Wild Rider $350

December

10. Alamo $650.96

9. National $597.51

8. Hertz $566.52

7. Budget $555

6. Dollar $532

5. Thrifty $506.58

4. Service $494.43

3. Vamos $461.30

2. Adobe $459

1. Wild Rider $395

Alamo ranks number ten for both seasons, making it the most expensive company. Budget, Hertz and National also rate low on the scale for economical rental options.

Company Summaries

Adobe

Website is clear and easy to use, but pricing and even the vehicles listed are not the same as those given by an office representative over the phone. Mandatory insurance costs are not shown with the list of vehicles and rental charges, but they are clearly displayed on the following page as a customer moves towards booking a reservation. Mixed customer reviews online. Email response is less than 24 hours, but may not provide all requested information.

Toll-free U.S.A and Canada phone number. No Live Chat.

10 offices nationwide

Mandatory insurance: $19 daily

Additional charges: GPS $9/day, child seat $5/day

Alamo

Website is clear and easy to use, but prices differ against quotes received over the phone. Mandatory insurance costs are not given with the list of vehicles and rental charges, but they are clearly displayed on the following page as the customer moves towards making a reservation. Mixed customer reviews online. Email response is less than 24 hours.

No toll-free U.S.A and Canada phone number or Live chat

14 offices nationwide

Mandatory insurance: $11.95 daily, but must also take their CDW at $12.95 daily

Additional charges: GPS $12/day, child seat $6/day

Budget

Website is basic, but easy to use. Prices online differ to the quotations given by a representative over the phone and depending on whether the international or Costa Rican website is used. Mandatory insurance costs are given along with the list of vehicles; however, the other charges are not listed. Mixed customer reviews online. Email response is more than 24 hours.

No toll-free U.S.A and Canada phone number. No Live Chat on Costa Rican website.

10 offices nationwide

Mandatory insurance: included in the listed price

Additional charges: GPS $10.95/day, child seat $12/day (the most expensive of the top ten)

Dollar

Website is clear and easy to use. Prices quoted differ if calling from the U.S. or in Costa Rica. Mandatory insurance costs are not given with the list of vehicles and rental charges, but they are clearly displayed on the following page as a customer moves towards a making a reservation. Mixed reviews online, but generally receives positive feedback. Email inquiries answered within 24 hours.

Toll-free U.S.A and Canada phone number. No Live Chat.

3 offices nationwide

Mandatory insurance: $16 daily

Additional charges: GPS $9/day, child seat $5/day

Hertz

Website is clear and easy to use. Mandatory insurance costs are not given besides the list of vehicles and rental charges, but they are clearly displayed on the following page as the customer moves towards a booking a reservation. Mixed customer reviews online. Email response less than 24 hours.

Toll-free U.S.A and Canada phone number and Live Chat (although it seems to be permanently offline)

7 offices nationwide

Mandatory insurance: $17.43 daily, but their CDW is also a requirement

Additional charges: GPS $12/day, child seat $2/day

National

Website is clear and easy to use. Mandatory insurance costs are not given along with the list of vehicles and rental charges, but they are clearly displayed on the following page as a customer moves towards making a reservation. Mixed customer reviews online, but more positive than negative. Email response less than 24 hours.

Toll-free U.S.A and Canada phone number. Live Chat.

22 offices nationwide

Mandatory insurance: $25 daily (the most expensive of the top ten)

Additional charges: GPS $12/day, child seat $6/day

Service

Website is clear and user friendly with just a slight confusion in that an online quote is obtained by clicking on 'Reserve Now' and not the 'Get a Quote' option. The response to a phone inquiry was to use the website. Mandatory insurance costs are given along with the list of vehicles and rental charges for the low season charges and on the second page of the other quotation page. Remember is a highly recommended sales representative who is mentioned in many online reviews for the high level of his customer service. Generally online reviews are positive for Service. Email response is less than 24 hours, although all information requested may not be received.

U.S.A phone number, but not toll-free. No Live Chat.

5 offices nationwide

Mandatory insurance: $15 daily

Additional charges: GPS $5.99/day, child seat $2.99/day

Thrifty

Costa Rican version of the website is impossible to use and you are asked to register for a user name and password. Mandatory insurance costs are not given along with the list of vehicles and rental charges. A customer has to click on "Protection Options" on the U.S. website and select the mandatory insurance by clicking on it -- implying that it is optional and not a required cost. Thrifty tend to receive mixed reviews online. Email response is more than 24 hours.

Toll-free U.S.A and Canada phone number. No Live Chat.

4 offices nationwide

Mandatory insurance: $19.99 daily

Additional charges: GPS $10/day, child seat $5/day

Vamos

Website is clear and easy to use. Mandatory insurance costs are not given along side the list of vehicles and rental charges, but are clearly displayed on the following page as the customer moves towards booking a reservation. Anibal, a representative, is frequently mentioned in online reviews for his high level of customer service skills. General Manager, George Schwarzenbach is known on Trip Advisor for his upfront and honest responses to customers' posts.

In recent years, Vamos has received very positive reviews online. Email response is less than 24 hours. Live Chat has instant response time to inquiries.

Toll-free U.S.A and Canada phone number. Live Chat.

3 offices nationwide

Mandatory insurance: $11.95 daily

Additional charges: GPS $8/day, child seat free

Wild Rider

Website is clear and easy to use. Mandatory insurance costs are given next to the list of vehicles. Wild Rider is the only car rental firm in Costa Rica with no visible bad reviews online. Owner, Thorsten, is often praised for his efficiency and customer service, despite the very limited resources the company has at hand. Emails receive very prompt and detailed responses in less than 12 hours.

No toll-free phone number or Live Chat

1 office -- no Liberia airport office

Mandatory insurance: included

Additional charges: GPS $8/day, child seat $5/day

Comparison Review

Customer Service

Vamos and Wild Rider respond quickly and efficiently to email or live chat inquiries. Adobe, Alamo, Dollar, Hertz, National, and Service respond to email inquiries in less than 24 hours, but Adobe and Service did not provide all the information requested (possibly a language barrier). Budget offers a free phone service, but it appears to be always busy. Hertz's live chat appears to be constantly offline. During the past year, customers who posted to online review sites expressed a particular satisfaction with the customer service offered by Service, Vamos and Wild Rider.

Clarity

Adobe, Alamo and Budget have different rental prices posted on their websites than those quoted over the phone. Telephone prices were lower than that quoted on the website in the cases of Adobe and Alamo, but yet higher in the case of Budget. Adobe also offers different vehicle models over the phone as compared to their website. International car rental firms with both a Costa Rican and international website appear to have pricing differences between the two sites.

Budget and Wild Rider include the mandatory insurance in their rental prices, but Budget states that 'other charges' which will be presented at the counter in the small print on their website. Rental prices for car seating had to be verified on the phone as they are not listed on the Budget website.

All other companies with the exception of Thrifty (a U.S. website), clearly show the mandatory insurance cost with the quotation given. Thrifty's Costa Rican website is simply unusable.

Pricing

Service, Vamos and Wild Rider consistently offer the best rates for both Green and High seasons, although Dollar has one of the lowest Green season rates available, while Adobe has a cheaper High season rate. Vamos offer the best "all inclusive" rates, given that most options are offered for free.

Adobe, Dollar, Service, Thrifty and Wild Rider remain competitive with their pricing of items such as child seats. Alamo, Hertz and National are the most expensive companies to rent from and their additional option costs are also more expensive.

"So, what's your rental recommendation?"

Overall, the Costa Rican companies seem to trump the multi-nationals with better pricing, service and clarity.

Service offers a generally high-level of customer service and fairly competitive pricing at both international airports.

Vamos can offer efficient booking and continued high-level of customer service with competitive pricing, as well as free additional options at both SJO and LIR airports.

Wild Rider is very highly rated for a rental with clear and economical pricing and excellent customer service, but they are only in San Jose.

"Now you're ready to book your rental car after seeing how the competition compares. Good luck and happy travels!"

Source : https://ezinearticles.com/?Guide-to-Car-Rental-Companies-in-Costa-Rica&id=7923536

Auto Insurance Information Online - Compulsory Auto Insurance

In 47 of the 50 United States, it is illegal to take a car onto the road without auto insurance. Compulsory insurance laws protect the public from the expenses of injuries and property damage resulting from a car accident. The states that require auto insurance set minimum amounts of coverage that guarantee that medical costs and property damage caused by the insured in case an accident isjudged to be the fault of the insured. Another name for compulsory insurance is liability insurance.

If you carry compulsory insurance and are convicted to be at fault in an auto accident, your car insurance company will pay the medical bills and lost work time and other damages for the other driver and passengers in both his car and yours that are not immediate blood relatives. The minimum compulsory insurance varies from state to state, but your insurance agent will be able to tell you what minimum amount you must carry in order to drive you car on the public roads.

Besides personal injury insurance, you are also required in most states to carry property damage policies to repair or replace any damage caused by your car. Again, the amount varies from one state to another.

There are good reasons for carrying more than the minimum amount of compulsory insurance. If the damages exceed your coverage, for instance, you'll be liable for anything that your insurance company does not pay. More importantly, there are many gaps in compulsory insurance company.

1. You are not covered for theft or a fire that's not related to an auto accident.

2. You will not recover the entire amount of the cost to repair damage to your car caused by an uninsured vehicle.

3. If you were judged to be at fault in the auto accident, there is no coverage for your injuries or damages.

4. Even if you're not at fault, there's no coverage for other expenses related to your auto accident like towing.

Most insurance agents recommend that you carry a greater amount of insurance and coverage other than what's strictly required by your state. Often referred to as 'comprehensive' coverage, it will include:

Personal Injury Protection, which will pay medical expenses and reasonable work and living expenses for lost job time due to an accident, no matter who was at fault.

Travel, towing and glass replacement that results from causes other than an auto accident.

Usually, if you take out a loan to purchase your car, the bank will require that you purchase and maintain comprehensive insurance on your vehicle until your loan is paid off.

Source : https://ezinearticles.com/?Auto-Insurance-Information-Online---Compulsory-Auto-Insurance&id=41106

Boat Insurance Costs - Three Things You Should Do Even BEFORE You Buy The Boat!

The costs of boat insurance can be extremely high. In itself this is not surprising, because the cost to buy a boat has always been high, and has been increasing over the years as the costs for shipping yards to build boats has gone up.

However, if you consider some of the following factors then you will get a better idea about how the insurance companies price up boat insurance, and what is involved in the process.

These are steps that you should carry out even before you buy the boat, because they can really help to clarify in your mind how much boat insurance will cost you, and how much it is going to impact on your budget.

1. Start Planning BEFORE You Buy The Boat - It is a good idea to do some online boat quotes for any potential boat that you are considering buying, BEFORE you actually buy it. In that way you can get a clearer idea about what the future costs of the insurance may be, and whether or not you will be able to afford it.

2. Use Your Common Sense - You KNOW that a 50 foot yacht is going to cost more than a small sailing boat, so make sure that the cost of any insurance is factored into any cost price for the boat. Remember, this is more than likely an expense that you will have to meet EVERY year, and so a rough idea of what it will be is important in terms of overall cost implications.

3. Get Clear About Your Usage Patterns - Here are some questions to ask yourself about your prospective boat purchase:

- Where do you plan on using your boat? In the ocean? On a lake? In a canal?

- How old a boat were you planning on buying?

- How big a boat did you want? Are you flexible on the size?

- How experienced are you as an operator?

- Will you need to hire crew?

- Is the area you plan on using the boat prone to storms? If it is then your premiums will be more expensive.

If you consider these questions before you buy the boat, then you will have a much clearer idea about how much the whole boating experience may end up costing you.

Source : https://ezinearticles.com/?Boat-Insurance-Costs---Three-Things-You-Should-Do-Even-BEFORE-You-Buy-The-Boat!&id=5755893

Travel Insurance - Insure Against the Worst Case Scenario

Without a doubt one of the crucial parts of planning a holiday, travel insurance has saved many a traveller from undue stress and expense when they were most in need. If you're planning a holiday you'll probably have a lot to think about already, but don't be tempted to neglect travel insurance: it will be the backup support that stops an unforeseen setback from ruining your holiday.

A pessimistic outlook on life isn't always a good idea, but when you're planning your holiday it's really worth thinking about all the possibilities so that you can avoid any unnecessary worry or annoyance. The way travel insurance works means that you'll only need to use it if something goes awry, which can put people off as they don't want to think about any negatives. However, once you consider how useful it can be to have insurance should you be faced with the worst case scenario, it becomes clear just how vital Travel Insurance really is.

If someone were to steal your belongings whilst you were abroad it could threaten to ruin your holiday. It doesn't even have to be the loss something extremely valuable to put a dampener on things, even the theft of something fairly insignificant can leave you worrying for the rest of the holiday. However, if you sort out your cover before you leave, you can reduce the stressful impact of this kind of obstacle.

No one ever plans to get sick or injured, but unfortunately this is something that can't always be avoided. If the unfortunate does happen and you find yourself needing to seek medical treatment abroad, without Travel Insurance this could be the unexpected cost that ruins your holiday. Depending on the seriousness of the situation, medical treatment abroad can be incredibly expensive. If you invest in Travel Insurance you'll not have to be worrying about money when there are more important things to deal with.

A lot of travellers either take their car with them abroad or plan to hire a car to get around. If something were to go awry and leave you without transport, your travel insurance policy can often cover the expense of emergency car hire. This way, you won't find yourself stranded in the middle of nowhere with no exit plan.

Sometimes, a trip gets postponed for unforeseen reasons. This could easily put you in low spirits, particularly as without travel insurance you could find yourself losing out on deposits and paying unanticipated fees and bills. However, if you act carefully before your holiday and make sure you're insured, you won't have to worry if postponement hits you out of the blue.

If all goes according to plan, you should be able to leave for your holiday without a hitch. However, sometimes unexpected obstacles crop up that mean your trip gets cancelled at the last minute. Without Travel Insurance this can be very costly, as you are not guaranteed to get all of your money back. Most of the time you will lose out on any deposits you've paid, if not more. Thankfully, if you invest in Travel Insurance your policy should provide you with a large sum to cover the cost of cancellation and make your life a lot easier.

Worst case scenarios can be a bit pessimistic, but if you don't consider all the possibilities before your holiday then you could find yourself without protection if anything went awry. Always remember the importance of travel insurance, and how it can work to save your holiday.

Source : https://ezinearticles.com/?Travel-Insurance---Insure-Against-the-Worst-Case-Scenario&id=2454525

Auto Transport Services Can Move Vehicles From Other States to You

Have you ever purchased a car from a dealership before? You can acquire the vehicle and then drive off in it as soon as you have it. With that being said, have you ever purchased a car online or from a merchant from another city, county, or even another state altogether. While you may find the car you are looking for much further away, getting to that car and driving it back to where you live may be out of the question either due to cost or timing. This is where an auto transport service can help you out the most.

How can auto shipping help you out? If you buy a vehicle in another state but are unable to get that vehicle, then simply having it delivered can really save you time. The next question that most people would naturally ask themselves is if using a car shipper is efficient for their money as well as their time. This is when you will want to find auto shipping quotes.

A vehicle shipping quote is a great way to see if you can save money using a car transport service. If you go online, search out auto shippers, then visit the web page for a particular company, more than likely they will have a quote form for you to fill out. These forms take very little time to complete and can offer an instant quote on how much it will be to ship your car from one location to another.

Make sure to gather lots of quotes before you pick a company. If one auto shipper seems like it has a fairly good price, then chances are there may be another company that can offer lower prices or even better service for the same rate. Take an hour or two and browse many companies to see what they have to offer in terms of service, get a quote from them, and then start comparing the companies.

When you compare services and quotes, be sure that the company can meet your needs and that you can afford it as well. The purpose of comparisons is to make the most of your money and get the most out of an auto shipper and their services. When you do find the best company available, make sure to set up an appointed time so that they are available to collect the vehicle you purchased and bring it to you when it suits you best. If you really look at the big picture, a vehicle transport service is really an efficient means of transporting a car from one state to another in terms of time, and can be done quite affordably.

Source : http://ezinearticles.com/?Auto-Transport-Services-Can-Move-Vehicles-From-Other-States-to-You&id=4743171

Obtaining a Free Car Insurance Quote

Insurance is one of those things that we all need to protect us from the unforeseen. When it comes to obtaining coverage for our vehicles many of tend to find one insurer and stick with them. However, smart consumers know that by being a comparison shopper when it comes to obtaining coverage can significantly reduce their monthly premiums. Many insurers have made being a smart consumer easy by offering the ability to get a free car insurance quote directly through your computer.

One of the largest insurance companies out there that focuses most of its marketing efforts and sales online is Progress Auto Insurance. They are unique in that they not only will give you their rates, but also provide rates from competing companies. Many times they are the lowest, but on occasion other companies can beat their rates and they actually encourage you to use the other guy if they can't match or beat the competition! Talk about customer service!

Of course, there are hundreds of insurers you could use. Since you probably don't want to spend days or weeks online or on the phone getting quotes it is best to narrow your selection down to about 10 companies and go from there. Remember, the reputation of the company is as important as the rate you receive - you want an insurance company that will be there for you, not just one that collects the premiums and then disappears into the night when you need to file a claim.

Once you find an insurer with a good rate you might want to do a little background research on them online by seeing what others are saying. How is their customer service? What about claims handling? Do they offer low rates at first and then raise them significantly when it comes time for renewal?

Being a smart consumer means you will be able to find the best deal to meet your insurance needs while making sure you have a reputable company to stand behind you if you are ever involved in an accident.

Source : https://ezinearticles.com/?Obtaining-a-Free-Car-Insurance-Quote&id=195633

Motivation to Sell Your Used Car

When selling your used car you want to ensure that you will get a reasonable amount of money for it. Nobody wants to feel short changed when selling a vehicle they invested time and money in. The selling price must be close to the buying price or represent a significant amount of the investment you made into the vehicle. Although, vehicles devalue so quickly, one stills wants to earn as close as possible to the original investment. There are many different things that would influence the cost of the vehicle; that is year, make, model and vehicle condition. Also, if there are any modifications done to the vehicles, it can also influence the selling price.

With so many factors that influence the sale price of your vehicle, there are many instances when the purchaser, whether being a franchise dealer or a private buyer will want to view the vehicle before a price is agreed upon. There may be instances where vendors have to go around many times to show the vehicle until they get the offer they want. This may be a burdensome task and may discourage an individual from carrying out the sale, especially if a satisfactory buying price is not achieved after many viewings.

If you are selling a used car, it is prudent to do your due diligence before selling. It would be great if the site you choose offers instant online quotes on your used vehicle. If that is not available they should be able to come out to you to view the vehicle and give you an appraisal. One thing you need to look for is a guarantee to get the highest appraisal on your used car. This can be very encouraging as it makes the process of selling your vehicle a lot easier. Without doing much or even leaving the comfort of your home, you can get a price quote on the vehicle. Make sure they are a licensed used car buying service, and highly rated.

Make sure they offer all this and more. They should even offer advice to its clients even if you choose not to sell to them and they will kindly advise you on all the "ins" and "outs" of the used car industry. They must tell you how to proceed in the sale of your vehicle.

Source : http://ezinearticles.com/?Motivation-to-Sell-Your-Used-Car&id=5204423

Extended Auto Warranty - Tips and Tricks

1. Check If You Really Need an Extended Warranty

An Extended auto warranty contract is a powerful safety net which could save you thousands in a car repair cost. However there are situations where an extended auto warranty simply is not needed and wouldn't protect you in any way. Know these cases and save your money on not buying what you don't really need:

• You bought a new car and don't plan to drive it for more than 3 years.
  Manufacturer's 3 years implied warranty covers most mechanical problems, so you don't need extra coverage.
  


• You plan to lease a new car for 3 years only and then get a new car lease or just return an old leased car back to the dealership.
  Some auto dealerships will try to sell you an extended warranty on a 3 year lease - don't buy it! It is a scam. All new cars are covered by a manufacturer's 3 years warranty, so you don't need to buy anything extra.
  



• Your car is over 10 years old.
  There is an unwritten rule in the auto industry - full coverage for old vehicles usually ends either on the vehicle's 10th anniversary or at 120,000 miles on the vehicle's odometer. Any Company that tries to sell you a warranty protection beyond that limit is clearly overpromising and could be a scamming company to avoid.
  

2. Know How to Choose the Right Service Provider

There are a lot of scammers in the extended auto warranty market. So you must be very careful when selecting your service provider. Don't go with a company whose records cannot be found in BBB (Better Business Bureau) or in D & B (Dun & Bradstreet Credibility Corp.). Also, ignore any extended warranty offers that come by mail, by phone or in a form of an annual promotion or "As Seen on TV" sales. Reputable leaders in the extended auto warranty industry never use this sale tactics.

There is about a dozen leading auto warranty businesses in the USA with approximately several hundred 2nd-tier and several thousand 3rd-tier companies (warranty brokers) wrapping their businesses around that companies. Try to avoid the service middleman and get directly to the source - you will save a lot. As a first step, start with reviewing top auto warranty provider lists published in the internet but take it with a pinch of salt. Business ratings are often partial, inconsistent and may be not up-to-date. And note - always get a second opinion before making your final decision.

3. Know How to Choose the Right Coverage

Knowing what extended warranty coverage you really need is another big buck saver. Make sure that you understand the auto warranty's main coverage plans and use them to your benefits.

4. Ask for Cancellation and Contract Transfer Policy.

Make sure that you can cancel your policy if you have changed your mind. Note, that some businesses will charge you stiff penalties for any premature cancellation of your policy. Contrary to that, good extended warranty companies provide 30-days or 60-days initial cancellation policy with a full refund and normal any-time-cancellation with pro-rated refund. They also provide contract transfer provision in case you sell your vehicle to another person or business.

5. Review the Warranty Contract Before You Buy

Some warranty providers will try to make you buy their services based on their business brochure. Never forget - a brochure is not a legal document, a contract is. Always review the contract very carefully. Pay special attention to the fine prints - are there any exclusions or special provisions which were not discussed with you? Review carefully the list of parts which are NOT covered by your contract. Make sure that you understand how expiration mileage is calculated in your policy - some warranties (bumper-to-bumper, for example) expire when the odometer reaches the limit stated in your contract, others (like stated auto parts and powertrain) - on total mileage incurred after the warranty contract was signed by you.

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