An Auto Insurance Guide For You

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When you are looking to purchase auto insurance for the first time it can be extremely helpful to have an auto insurance guide.

Step 1: Determine what and how much coverage you require.

Laws governing how much and what type of auto insurance vary from state to state. It is your responsibility to find that data on your state to ensure you have at least the minimum amount of coverage. However, you’ll find that most auto insurance guides will recommend you carry more than the minimum if you’re able.

All states, except New Hampshire and Wisconsin, require vehicle owners to carry liability insurance. Liability insurance covers the other person. This usually includes covering medical, lost wages, and property damage. Liability insurance does not cover the policy holder.

Some states also require motorists to carry insurance for uninsured/underinsured drivers. This is because there are increasing numbers of people who are driving without any coverage at all.

You may need or want to consider comprehensive and collision coverage.

Comprehensive coverage takes care of damage caused by things like natural disasters, weather, and theft. If your car is vandalized, comprehensive insurance would cover the costs of replacing stolen items and repairing any damage. Collision covers the policy holder in the event of an accident.

Step 2: Research your own driving history.

You need to know how many tickets, accidents, or other auto insurance claims you have made for at least the past 10 years. Any reliable auto insurance guide should remind you of this fact.

The amount of money you’ll pay for your insurance will be greatly influenced by these factors. As time passes, we tend to forget negative details like speeding tickets. You should check with your state’s DMV (department of motor vehicles) to make sure you have accurate records to present to the insurance company.

Step 3: Compare insurance quotes

No good insurance guide would allow you to skip this particular step. It is in your best interest to obtain quotes from a few insurance companies. You can do this through online insurance quote sites, or you can contact the companies directly. A combination of both online and actually making phone calls is highly recommended.

Online comparison sites will provide you with fast, free quotes, but these sites are only providing you with flat rates. These sites do not factor in any discounts you might be eligible for. To determine discounts, you’ll need to actually speak with an insurance agent.

Some things you should be looking for when selecting an auto insurance company are:

Is there a contact number for questions you can’t find answers to online?

What are the annual versus monthly rates for coverage?

When are your payments due, and what will happen if you’re late one month?

How many complaints have been filed with the state against the insurance company? (You can look at J.D. Power and Associates’ customer satisfaction surveys.)

What is the company’s business rating? (Look at Standard & Poor’s and A.M. Best’s ratings.)

What discounts do you qualify for?

Is there an actual agent in your town or are you going through a call center somewhere else?

Step 4: Purchase your auto insurance.

Once you have gone through all of the steps listed in this auto insurance guide, you should have the information you need to make an intelligent decision regarding auto insurance.

Purchasing auto insurance can be a bit time-consuming. However, not taking the time to do the homework could result in you wasting your money on coverage you don’t really need.

Enjoy the Thunderous Terrains With the Well Installed Hummer H3 Accessories

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You can touch every inch and corner of the globe when you are well-armed with Hummer H3 accessories and Hummer H3 parts. Hummer suspension accessories have taken this vehicle to the top rank in the world of sport utility vehicles. The Hummer H3 accessories and parts are designed to tackle successfully the rough slopes, slippery ridges and inclines. It is very important for any off-road vehicle to be well-armed to endure the tough and testing demands.

Amazing Hummer suspension accessories are designed to give the car that captivating and outlandish appeal that screams out loud to make others turn towards the vehicle again and again.

The traditional Hummer parts are upgraded and are incorporated with the most advanced Hummer H3 parts to come up with the breakthroughs that no other automobile company can ever match. Hummer interior H3 parts like the latest ECU and stainless steel exhaust system are there to give the increased horsepower and better torque value respectively so that the driver could feel the maximum benefits. The most important thing is that Hummer is installed with such Hummer suspension accessories which deliver the right height proportion. The General Motors manufacture Hummer parts and accessories which could live up to the demands of rough and tough off-road architecture.

You can accessorise your Hummer with several kinds of Hummer interior H3 accessories and Hummer interior H3 parts to lend it the rock-n-roll kind of look. You can go for a full fledged multimedia system with a DVD player and a television receiver shown on twin LCDs. It’s wonderful to know that the brand called Hummer keeps on expanding its lineup. After the smaller version of Hummer H3, several amazing and playful upgrades and enchantments followed the line. The very production of Hummer H3 parts and accessories was carried out to cater to the international markets. The car enthusiasts who often love to head outside the busy city schedules and hectic scenario must be geared with Hummer H3 and this is what which makes the vehicle to be one of the top choices.

The Hummer H3 accessories and Hummer suspension accessories are carved and thoughtfully unified to keep things stable and smooth on the most unforgiving terrain. The various Hummer H3 parts are strategically designed to offset various challenges that the undulating surfaces offer. If you are a beginner, you can opt for Hummer which is installed with large wheels to make you comfortable with your sharp and edgy moves. Large wheels ensure that the vehicle can carry relatively heavier body of the vehicle itself and makes it achieve its well deserved signature wide stance.

Hummer suspension accessories and parts are intelligently tasked to guard the complex and critical components of the vehicle from any kind of serious damages and to power and maneuver the vehicle to easily move over rough and tricky paths. The external Hummer H3 parts are made of solid aluminum which gives utmost protection for the vehicle’s solid frame and front suspension parts. Steel skid plates guard the fuel tank, oil pan, transfer case, among others, support the solid underbody frame. Also, Hummer is well-equipped with rocker panels to protect the sides of the automobile under harsh conditions.

What Is Third Party Auto Insurance?

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You might have seen the term third party auto insurance used from time to time in the insurance industry. It’s just another way of saying liability insurance. It’s basically in place to protect you from lawsuits from others. It’s very basic coverage and is required as the minimal amount of insurance you must have in all 50 states.

In the world of vehicle insurance you can get third party insurance in two different forms, and you’ll sometimes see them grouped together. One covers you against bodily injury claims, and the other one protects against property damage. This coverage kicks in when it’s you, the insured driver, that’s responsible. When the other person is responsible, their liability coverage will be used.

This type of insurance is typically the most economical route, because it doesn’t have all of the bells and whistles of comprehensive insurance. It’s a bare bones coverage plan designed to keep you protected from the most common calamities that are likely to occur. The reason it costs so much less than comprehensive insurance is that comprehensive covers not only your car but also the other cars involved in the accident, any property that gets damaged, as well as medical expenses resulting from injuries caused by the accident.

The thing about third party auto insurance is that it doesn’t cover anything that happens to you or your vehicle. However, most policies will include different types of auto insurance so that you’re covered in most cases. You’ll probably end up getting insurance quotes on a policy that is a mix of collision, comprehensive, and liability, so you won’t have to drive around worrying if you’ve got enough coverage. Be sure to ask the insurance rep to give examples of instances where you are and are not covered and see if these sound adequate.

Different auto insurance companies have their own coverage plans, and each one varies just a little. Getting a solid grounding on terms like third party, collision, bodily injury, medical, comprehensive, and no-fault will help you understand the process a lot more. This knowledge translates to cost savings, because you’ll know what the minimum coverage is for your state, and be able to choose the best provider. You’ll also be able to know which features you need, and which ones you don’t, so you won’t be oversold.

When comparing different rates from insurance companies you want to make sure you’re comparing apples to apples. What one considers comprehensive, might be different from another. You might be under the impression that you’re getting third party auto insurance, but really it’s collision. These are mistakes you want to avoid because nothing is worse than getting in an accident and finding out your insurance is not what you thought it was. Drive confidently knowing you’ve got the right insurance and are adequately covered.

Auto Repair Costs: How You Are Ripped-Off Daily Under the Radar

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Most know the most glaring auto repair pricing abuses: Service centers overcharging $100’s even $1000’s for repairs, or charging for service that was never done at all. To be sure, this still happens every day.

However, there are many other techniques which involve flying just low enough to avoid detection. The savvy repair shops increase the price so as not to set off any alarms. It’s become so common that it’s not just an accepted industry practice, but even service customers have accepted paying higher prices.

Knowing how ingrained price-gouging is within the automotive service industry, it’s shocking (although understandable) that even service customers have succumbed to excessive car repair prices. I frequently hear service customers’ state:

“Yeah, I know I was ripped off, but my car’s fixed now.” Or, “I know they charge too much, but they’re convenient.”

This is insane! To accept auto repair price-gouging is to allow its continuation. The difficult part, of course, is how to stop it. Given that the automotive service industry is so big and powerful (and so frightfully necessary) how does one battle such a force?

The first thing to understand is the degree to which this type of stealth-like price-gouging occurs. A two-decade undercover investigation has revealed that 98% of all repair shops (dealerships, local shops, and franchises) are price-gouging their customers in one form or another.

The following exchange, between a service manager and service advisor, provides an idea of the “scope of scamming” below the radar.

A service advisor asked his manager how to bill more hours per month, which is another way of asking how the advisor can make more money. The service manager casually stated:

“Simply add an additional two tenths to every ticket you write.”

In other words, every customer this particular service advisor “helps,” he was instructed by a superior to add a “little” extra. So if the labor rate is $100 per hour that would equal $20 “extra.” Rather than pay $100 per hour, the service customer would actually pay $120.

$20 doesn’t sound like much. However, whether it’s an overcharge of $0.02 or $20, it’s too much. If you visit a shop practicing just this strategy alone (there are hundreds of strategies, many applied simultaneously), you may get scammed $100’s or more by year’s end.

What’s really shocking is that being ripped-off $100’s over a year’s time is actually minor!

Try $500-$5000!