Follow These Tips When Making Auto Insurance Decisions


If you drive a car, you must have up-to-date insurance. That said, you have a host of options when it comes to choosing insurance for your particular situation. If you do your research, you will find that the costs of premiums greatly vary from company to company.

See if your auto policy will cover aftermarket additions before buying any. There are lots of cases where the insurance won’t cover these additions.

Do not allow your insurance to lapse or your rates will increase. Switching carriers or even policies might result in a gap in coverage. An insurance company will raise your rate if they notice these gaps.

You might want to consider carpooling with someone or possibly taking the bus. Driving less is one great way to show responsibility as a consumer and impress your insurance company. If you let your agent know that you have changed your driving habits, you may be eligible for a discount.

When signing up for your auto insurance, remember that only you are covered unless you specifically add others to your policy. Often people will allow a buddy to use their vehicle, but if the buddy is involved in a car accident, the insurance company can deny payment of any claims. If you do lend out your car, it is probably a good idea to purchase coverage for extra drivers, though this will cost you more money.

If you are going to move, keep in mind that your car insurance rates my change. The accident and theft rate of an area generally determine the insurance rates. Usually suburbs and rural areas will have lower rates the big cities.

If you are ever in a car accident and need to file a claim, you should make it a point to thoroughly document everything related to the incident. Use your cell phone to take pictures of the damage and where the accident took place. It can also be advantageous to keep a camera in your vehicle to be prepared for worse case scenario.

There you should be able to find the ‘consumer complaint ratio’ for many, if not all, of the licensed insurance providers in the state you live in. What this number indicates to you is the percentage of provider claims that result in a complaint.

There are ways to lower your car insurance rate, if the high amount is due to a less-than-perfect driving record. If you complete a driving course after getting into an accident, you can usually get a reduction on your rate. There are a few companies, including Progressive, that can fit your car with a chip. If the company likes how you drive, they will lower your premiums.

If you want to save on car insurance, one of the easiest things that you can do is to enroll in a course designed for defensive driving. The majority of auto insurance companies offer discounts on premiums for successfully passing a defensive driving course. The class itself is also beneficial because it teaches you to drive safer. You can often find these courses available at your local driving schools. If you are short on time or there are no classes close to your are, you can try an online version of these courses.

Everyone pays different rates for their policies. It is not only because of different cars or conditions. Some people will get better insurance for less money. You can get better coverage if you understand and educate yourself on the different auto insurance tricks.

What You Should Know About Vehicle Maintenance Schedules

vehicle maintenance schedulesVehicle maintenance schedules procedures are the most important tools for enhancing the longevity and functionality of a car. During purchase, most car buyers are given maintenance schedules to follow. Each car has its own maintenance schedule depending on the brand, model, specifications and usage. Most vehicle maintenance schedules have intervals of three, six and twelve months. However, there are the essential requirements of every schedule. 5000 miles is the starting point of most procedures.

Vehicle maintenance schedules tips:

Tires

Every 6 months, the depth of tires should be checked. Tires should always be adequately inflated for maximum functionality. This is an easy process and in case of any air needed, petrol stations provide this for free. Tires should also be rotated regularly depending on the rate of use, wear and tear. The heavily worn out tires should be rotated with the less worn out ones to increase the mileage offered and the life of the tires.

Oil and filter change

Oil and filter change should be done after every 5000 miles covered. This varies with users depending on how often and how long they drive their cars. It is an easy DIY process that can only take 20 minutes but it’s invaluable to the life of the engine.

Brake pads and rotors

Brake inspection should be done at least every six months. The fluid should be checked at least every three months. Alternatively, every 5000 miles is appropriate. The drum and disc systems can easily be serviced from home. After every replacement of pads and shoes, the brake fluid should be changed, or after every hard usage of the car.

Cooling system

Replacement of modern cooling systems is usually done after 100,000-200,000 miles. Refilling should be done regularly or as much as necessary. Refilling requires the use of distilled water with a concentrated coolant.

Air filters

Replace or inspect the air filter during every oil change. This will increase the MPG and power of the car.

 Other processes

  • Cleaning the battery
  • Replacing the fuel filter
  • Replacing the windshield wiper
  • Power steering fluid check
  • Lug bolt inspection
  • Belt and hose replacement
  • Engine timing belt replacement

Car owners should note that every car has its needs and requirements. These few processes are just the basics of any auto maintenance schedule. Manufacturers tend to advice on specifics such as periodic flushing. The smartest thing to do is getting a vehicle maintenance schedule from an expert. The expert will list all the necessary procedures and include the DIYs and the expertise steps. Prevention has always been better than cure.

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