Posts tagged ‘car’

February 7th, 2014

Tips on Purchasing Car Insurance

by Jonathan Cogley

Everybody needs to have an auto insurance. But you need not have to overpay it. When planning to purchase a car insurance policy. Following are tips that are likely to help you in buying a car insurance. It will not only save you with money, but also help in getting the best deal.

Tips for buying car insurance

1) Deciding on the coverage you need
To find the right insurance for the car, it is a good way to figure out the amount of coverage you require. Search and find out, what coverage is actually required where you live, as it varies from state to state. You can find a list of requirement for a particular sate and details about the types of car insurance, thus you get ready with the list of various types of coverage.
Once you get to know what all is required, you can easily decide what you need.

2) Collecting and gathering quotes
When you are researching about the insurance company, carefully make a note of the prices and coverages comparisons. Make a list of:

  • Monthly and annual rates for various types of insurance.
  • Telephone numbers of insurance companies, so that you are easily answered to the questions you can’t find online.
  • The payment policy of insurance company, payment plans, etc.

3) Contacting different insurance companies
Once you have information of various insurance companies in hand, now contact those companies from which you were not able to get online quote. Researching through phone can actually be faster and easier than finding it online, as information provided online may be incorrect.

4) Looking for discounts
Either online or through phone calls, see to it that you get information on discounts if any. Insurance companies offer discounts for those who have good driving record. Moreover, if there is a teen driver in your family, ask for more discounts.

5) Assessing the insurance company’s track records
Now you have all the information to make a decision. You can compare and see which company’s insurance is least expensive, but see to it that being cheap should not be the only basis for opting for the car insurance of the company. Develop a clear picture about how the company’s financial stability and how will it respond to you in the event of a claim. Check at some places by using National Association of Insurance Commissioner Information source that gives you the better idea about the company’s track records.

6) Reviewing the policy before signing
Once you close thorough research, it is time for planning to finalize the insurance policy, read and understand all the main points. Make sure to verify whether the policy contains the requested coverage and price. Rather than fighting later, it is a sensible idea to review the policy thoroughly.

Following these tips is likely to help you purchase an insurance policy for your car.
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November 27th, 2013

Safety Features to Look for When Buying a Car

by Debbie Harry

In car, there are many features that will help in keeping you and your family safe. Initially some features were introduced for convenience like central locking etc. Nowadays, there are more advanced features that will provide you with greater safety. Whether you are buying a used car or a new car, it is important to first check for safety features in the car. In this article, we will discuss about the safety features to look for when buying a car.

Safety features to look for when buying a car

1) Seat Belts
Seat belts are designed to keep you safe at place in case of accidents or crashes. They also reduce the risk of bumping your head on the steering wheel and dashboard. Seat belts that are designed today have following extra features for its improved performance:

  • Adjusting upper belts: An adjusting upper belt help you in changing the position of the shoulder strap for accommodating the size of the person. This feature encourages the passengers for wearing their seat belts since it comforts your shoulder.
  • Seat belt pretensioner: Pretensioners help in tightening and reducing slack in seat belt to protect the passenger from moving forward rapidly in the event of accidents.
  • Rear center seat lap: Many car manufacturers provide this feature. This is beneficial especially to those who are seated in rear center position.

2) Antilock brake system (ABS)
Antilock brake system help prevent car’s wheels from locking during sudden brake or stop that allows a driver for maintaining steering control-a major factor that avoids collision. Either sporty vehicles, trucks and vans that have ABS can have two wheel or four wheel ABS. A car that has four-wheel ABS monitors and controls all the wheels whereas the car that has two wheel ABS will monitor and control only two wheels.

3) Electronic Stability Control
This feature is designed for assisting drivers to maintain control of the car during extreme steering maneuvers. Electronic stability control senses when the car starts to over steer or understeer, thus applies brake automatically to a single wheel. It reduces the risk of crashes an important feature to look for.

4) Traction control
This system in vehicle improves its stability by limiting the tire slip especially on slippery surfaces. During acceleration, some of this system applies brake to the selected wheels. Traction control is often found in vehicles with four-wheel Antilock brake system.

5) Weight
Accidents data shows, vehicles that are heavy offer more protection, whereas light vehicles are more prone to accidents especially in two vehicle accidents or crashes.

Following these points help you ensure buying a car that is safe for you and your loved ones.
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November 12th, 2013

Car Body Inspection Tips while Buying a Used Car

by Debbie Harry

While purchasing a new car there is no such need to clearly inspect all the parts. But in case of a used car, inspection is a must. There are many accidents occurring everyday. Some cars are squashed or stripped for parts and some are written off, but the remaining cars are come into the market as used cars. Any car can restore ever after a collision, in these cases identifying of collision is very difficult.

Carpets, trim and upholstery: Check for the wear and tear in trim, upholstery and carpets of the car.

Accident damage or Rust: Check inside the boot, lower sills and doors for dark, red or other stains, the floor wells, bubbled or dimpled paint. Check the panels for plastic body filler with a soft fridge magnet. Rust or other damage may conceal with a vinyl roof. Once the car is having five to six years old, it will show at least some rust unless the car is rust proofed properly. Rust is an issue with used cars in winter months where salt is used.

Some cars have the rust on a few spots, and in some cars brake components, body panels and through floors. The rust spots can fix or repair for temporarily. But it is difficult to stop when the corrosion process is started. If the car had many rust parts, it will reappear later. So if you found major rust parts, it is better to avoid for used cars.

Paint: Look for over spraying, ripples or dents and color variation. Look at the car alongside and from different angles to check paint texture of different panels match, color, and everything looks straight. The possible body repairs can also recognize by checking the quality of a paint job. Fresh paint looks slightly different in appearance or different texture. By looking at the reflection, sometimes can spot the differences in paint textures. The original paint should be perfectly smooth, check it by touch.

Panels fit: Check for the panel fit. If the panels are loose, it indicates that the car has been driven regularly over the rough roads or caused because of accident. For example when doors are closed, with the other panels it should be perfectly flush. This is same for trunk lid, hood and other other panels.

Hail damage: The hail damage is mainly found on horizontal panel surfaces like boot lid, roof, and bonnet. If there are any signs of hail damage on the car, check with the insurance company. Because they may not insure the hail damaged cars until it is fixed.

Floods and water logging damage the car. They might not effect immediately, but it becomes more more expensive to repair the car in the long run. Flooded water can enter into the different parts of the car and damage by corrosion.

Check out for musty smell, water stains on door covers, roof liner and on the seats. Inspect trunk covers and door covers for water level signs. Check for the history report and if the car is came from the recent flooded area, check more thoroughly. read more »

October 31st, 2013

Solving Your Car’s Brake Squeal

by Edwin Rosenthal

When the brake pad against the caliper piston is not properly fit, the friction material has a problem, or gone, the brakes will squeal. The squealing is the result of high frequency vibration among the brake rotor, the caliper piston and the pad in either of the cases. Some vehicles come with the squeal problems directly from the manufacturer or factory. In these cases manufacturer simply change the brake pad to cure the problem. Because there are different harmonic frequencies for different pads.

  • Steps to solve brake squeal: If your brakes are squealing follow these steps.
  • Check for loose parts: Try to move slightly the calipers, brake pad and other components of the brake. They should not move only just with your hands, because loose parts can vibrate and it results in noise.
  • Replacement of parts: Make sure that in the caliper assembly, the pad does not move. If you find any missing, damaged, and clips or shims are loose replace them.
  • Apply dampening paste: Apply thin layer of the dampening paste between the caliper assembly and the pad. It creates a thin shock absorber to dampen the vibration and the sound. Give plenty of time two to three hours of time if you can, for paste to dry before assemble the brakes. When it is dry, it will become darker color and sticky. If you kept it under the direct sun or used a hair dryer to dry the paste more quicker, wait until the temperature is come down to room temperature.
  • Check brake pads: Sometimes the brake pads will wear. Therefore, check for them if they are worn, replace them. Most of the disc brakes have a wear indicator. If the pad is worn up to a certain point, the indicator makes noise. Check the manual or material for suitable brake pads for your vehicle.
  • Organic pad: It can be with or without asbestos. It may not wear resistance of metallic or semi-metallic, may lack of performance and it may quieter. It may not tolerate the heat as much as other pad materials so because more brake fade.
  • Semi-metallic pad: It has organic material and metal particles. It is the best in both less noise and braking ability in the world. It may wear the rotors. It decreases the brake fade and increases the life of the pad. It can also tolerate the repeated hard stopping.
  • Metallic pad: To provide most friction against rotor, different metals are used. At high speeds with minimum wear, it works great for repeated stopping. In the stock rotors, which are not designed for use with metal pads, rotor will wear faster when metallic pads are used.
  • Lubricant materials: Carbon, Graphite, Brass and some other materials can help to reduce the noise, so look at the formula, which is for built into brake pads.
  • Check brake rotor: Check the drum or rotor for grooving, scoring or other wear.
  • If the entire rotor is distorted or warped or wear is excessive, you need to replace the rotors. If the sound is like metallic grind and not squeal, you need to change the rotors. read more »

    October 28th, 2013

    Car Cleaning Tips

    by tocuser4

    Different people use different types of car cleaning methods depending on availability of the material and their previous experience, or as said by their friends. After washing, a car looks good to clean. Here are tips for car washing.

    • Useful tips cleaning the car:
    • Do not wipe or dust the car body with a dry cloth. The dirt or dust particles can can scratch the paint.
    • When you are washing the car with cool water in the direct sunlight, the heated car body contract with the cool water and the paints get cracks and ruined. So do not wash in the direct sunlight. Park in a shade and wash.
    • Wash the car with making schedule and follow it. It will help to clean one by one section clearly without forgetting anything.
    • Close all the windows and sun roof. Spray little at the edges of them and then check for any leakages is there.
    • Start washing from top to bottom. Otherwise, your have to do work more.
    • Cleaning with foam guns helps needs no usage of water with bouquet.
    • Use the commercial car cleaning products only. Other products may harm the paint. Unless you have clear about the personal solution to the car cleaning, do not use it.
    • Use of cotton cloths and the old brushes helps to get into the small corners and can clean them.
    • Use a piece of sponge to rub the car body. It will gently clean the car without damaging the car paint and can clean the dust particulars.
    • The hair conditioner that contains lanolin will give the shiny to your car.
    • If the car stay in rain, keep a cloth at the bottom of the windshield to protect the hood paint, and pour the cola on the over the glass and clean it. It will rid off from the dust.
    • Remember where can dust go store especially in the corners of the car. Clean it properly. And, do not forget the under body of the car.
    • Polish the head lights with window cleaner by rubbing with soft cloth gently.
    • When the windshield wiper blades are dirty and streak the glass, make the solution of one fourth cup household ammonia to one quarter cold water. Lift the blades and wipe with soft cloth or paper on both sides as soaked. Before lowering the blades wipe the blades with dry cloth.
    • Avoid the air drying of the car. Clean with a dry cloth after the washing is completed. Otherwise the water marks will remains on the car exterior after dry.
    • Dry the windows and mirrors first.

    At the regular intervals of washing car a coat of wax or sealer. It gives the best protection because it binds with the paint.
    read more »

    October 24th, 2013

    Maintenance and Safety Tips for Your Car Tires

    by Dov Waxman

    Tires are a neglected part of your car. These are the only things to separate your car from the road. Maintenance of tires is one of the important things to follow with your car. Proper maintenance of tires will give you a good mileage, riding and safety from skidding. Now we will discuss important maintenance tires for your car.

    • Air Pressure: Inflating the the tires is important as a maintenance tip for your car. If you do not maintain the proper pressure in the tires, they will fail at high speeds and the mileage will decrease. To know the suitable pressure level to your tires check car owner’s manual. Sometimes, it will be on the glove compartment door or inside the fuel hatch or in the vehicle’s doorjamb.
      • Check tire pressure at leas once in two weeks.
      • If you are going to a long trip check before starting.
      • If it is cold, check at least three hours after vehicle stopped.
      • Keep a spare tire and check it when going for long trip.
      • While you are buying new tires replace the valves
    • Tread: The tread wear indicator bars for tires are 2/32”. If it is less than the tread wear indicator bars, you should have to replace your tire. In wet or snowy conditions, the tread depth is crucial for traction and safe driving. Lower tread of your car tire will put it at more risk of a crash. Suspension repairs, wheel alignments and the good inflation to the tires will give more durable treads.
    • Rotation: Rotation of tires of your car involves changing the tires’ location from one position to another. Regular rotation of your tires leads to their longer life. It will save your money and time in the long run. The owner’s manual contains information regarding when rotation is needed for your tires. If this is not there, rotate every 6000 to 8000 miles. If the tires are shown uneven wear, check with the tire dealer to correct imbalance or misalignment or other mechanical problems in the rotation.
    • Vibration: While you are driving there is any vibration, it indicates a problem you need attention on it. When it is vibrating check suspension system and steering system immediately to know the cause of the vibration. When the vibration is not corrected will effect on suspension wear and could be dangerous.
    • Balancing: Balancing means after tier are mounted, the tire and the wheel will corrected. When one is lighter or heavier than the other wheel, it is out of balance. It will cause vibration and irregular tread wear. It will increase the pressure on the front end parts.

    Proper maintenance of tire gives the smooth drive, less pressure on engine as well safety in slippery and icy areas.
    read more »

    September 18th, 2013

    Car Insurance- Know How to Purchase

    by Edwin Rosenthal

    In modern life, it is necessary for every car owner to purchase a car insurance. To know how much auto insurance cover you are able to afford and maintain, you have to know what the law requires in your jurisdiction. What type of insurance you need and what your state requires.

    The first step you need to do is to know what your state requires: This is an easy step to find and without the state minimum you cannot drive legally. It is, therefore, necessary to have at least the minimum requirements.

    Know What can Influence Your Insurance Rates:
    Before purchasing car insurance, you need to know about your driving records. First you have to order the copy of your driving record, Because your driving record determines the insurance premium for your car. Therefore, you need to check carefully whether it is accurate or not and also check for current record. For getting the best rate, you your driving record should not have a single error.

    Know What Coverage You Need:
    Your state minimums will not cover what you want, because these are legal minimums that your state sets that you must maintain.

    As per Consumer Reports, the general guideline for property damage is $100,000, plus per accident it is $300,000 and bodily injury liability limit per person is $100,000. This is the amount that your insurer will pay for the person when you meet an accident.

    Some other coverages:
    Always your policy can supplement with specific protections like many people who have vehicle will get comprehensive and collision coverage. If you hit something, the collision coverage will be paid to repair your own car and when the car is lost or damaged due to some other causes which are other than the accident, the comprehensive coverage pays out. This option comes with the deductible usually worth $250 to $1000 you pay out of your pocket before the insurance comes in. For this coverage, the higher the deductible, the lower the premium you have to pay. You have pay lower premium to that extent.

    Some additional coverages include rental reimbursement coverage. This is, when your car is in servicing, it pays for your rental car. You do not need this additional coverage when you have an auto club membership.

    Ask the following discounts for getting best rate:

    • Higher deductibles: This will lower premiums.
    • Safety equipment: This includes anti-theft devices and anti-lock brakes by which you can get discounts.
    • Good grades: This is for young drivers who maintain better in school or B average.
    • Multiple Policies: if you have two or more policies with same company, the insurer will offer some discounts.
    • Long Time Policy Holder: Ask for the discounted premium, if you have policy with the insurer for many years.
    • Good driving record: This is for the people who have not made any claim or have not received any traffic ticket or not met with an accident for three years.
    • Drivers Education: if you complete the drivers safety course or driver’s education, the company will offer discounts.

    Shop Around and Gather quotes:
    When you came to know about the kind of coverage your state requires, then to get an accurate quote you need to follow the below information.

    • The parking place of your car overnight
    • The coverage type and limits that you want
    • The description of your car includes, VIN – Vehicle identification number, make, year and model
    • The age and sex of the driver and driving license numbers of number of drivers in your house with their names.

    Then get some auto insurance quotes and compare the rates.

    Check for references:
    Even though you know the company which is offering at the best price the insurance policy you want, compare it with quotes of as many number of insurers as you find. You have to check for the company reliability. This you can do by checking with your state’s insurance department, that should allow you to compare insurance companies premium in your state.

    Check for the number of customers’ complaints that the company has and also the financial stability of the company. Also check for consumer reviews of the insurance company.

    Before signing the policy, you should carefully review to make sure that it is covering all the coverages that you want. This should include your state’s legal requirements and also the company additional requirements which finances your car loan.

    The proof of the insurance should be always kept in your wallet or car. By doing this, you need not worry when the traffic police stops you and asks for it. read more »

    March 21st, 2013

    Your Car Brakes: Symptoms of Failure

    by tocuser4

    For many people, the car is a dream vehicle and it carries valuable cargo. The braking system is one of the most important safety parts of the car. If it is not functioning well, your car has wear and tear. Neglecting your braking system could lead to increased repair costs, or worse, no brakes at all.

    You can prevent this by just paying attention to the signs of brake wear which could trouble you. Taking care of right maintenance you save money, and keeping your car away from troubling you. It is, therefore, necessary to find out whether brake system is not functioning well so that you could take immediate course of action to prevent severe wear and tear.

    Below are some of the symptoms indicating failure of brakes:

    • If you find any noise coming from braking system, it is indicative of the need to take care of. Mostly the noises produced by the brakes are grinds and squeaks.
    • If you are hard to stop the car, it indicates
      • Poor braking performance.
      • Loss of brake pedal.
      • Excessive drag during acceleration.
    • If brake pads are wear out to a certain point, there is a need of replacing the brakes.
    • Fading of low brake pedal is also one of the causes of failure of brakes because this happens due to the leakage in the system or air entered into the brake linings.
    • Suppose you feel as if you have been pulled to one side, it indicates that you either have a damaged brake line, or worn or uneven brake linings.
    • Always check the master cylinder to assure fluid at the right level because it is a reservoir for brake fluid.
    • If you find any damage in the brake lines, replace them with new ones.
    • Always clean the road grime, dirt, salt and other elements on the brake calipers. If it is not done, it will lead to a failure in the brake system.
    • Sometimes faulty steering is the result of worn out wheel bearings.

    Longer pedal travel, increased braking distances, bad smell coming after coming to a hard stop, not stopping the vehicle at a desired place are some of the symptoms of brake failure. read more »