Sunday, December 29, 2013

How to Get More Money from Selling Your Car

If you are looking to sell your car rather than trade it in, you definitely want to get the most money that you can. Here are some tips to help you put more cash in your pocket when dealing with a private buyer rather than a dealership.
Spruce it Up
A car that looks good will sell for more, but that doesn't just include the paint job and the upholstery.
  • Make sure that everything works almost like new, such as the doors and windows as well as the stereo system. Little things can make a big difference to buyers.
  • Check the seals all around the doors and windows to make sure they work properly. If not, replacing them is fairly easy.
  • Buy new floor mats or have the carpet cleaned. Take your car to a professional detailer that can make worn areas look almost like new.
Get Rid of Damage
If you have dents in the body or chips in the windshield, get them repaired. This can mean the difference between a few hundred and a few thousand dollars on the selling price of your vehicle. If you don't want to spend a lot of money, shop around for someone who offers quality service at a low price.
Fix Mechanical Issues
If you know your brakes are going to need replaced, do it before the sale. A lot of times a buyer will like the fact that a used car has new parts on it because he or she won't have to replace them anytime soon. Make sure the car runs smoothly with no strange sounds.
Know Your Car's Worth and the Cost for Insuring the Car
Find out what your car is really worth before listing the price. Even if it is worth a lot to you, it may not be worth it to everyone else. You can also check car insurance quotes to see how yours stacks up against similar cars. This can be a selling point for some buyers, especially first-time buyers or those looking at a used car for a teenager.
List any safety features that could lower car insurance quotes, such as anti-lock brakes or a rear view camera. While these may not be features the buyer looks for, they might appreciate them when you point them out.
In the end, you have to decide if selling your car is a better option than trading it in. It can take more work, but bring a better price.

Thursday, December 26, 2013

What affects your auto insurance quotes

Whether you're new to the whole concept of auto insurance or have had dozens of policies on your hands, the factors affecting your quotes may still seem like a mystery. There are many things that will affect your auto insurance quotes, some apparent some not very, and it's very important to have at least general understanding of these forces if you want to get insurance for an adequate price. Things get even more complicated when you find out that each insurer may use the factors in a completely different way, giving more weight to one factor and making another less important. That's the reason why there are always fluctuations in auto insurance quotes from different companies. But regardless of how the companies treat each factor, the following variables will always affect your insurance rates:
Types and amounts of coverage
One of the most important factors that will affect your rates is the composition of your policy. The types of coverage you choose and the limits for each of these factors will have a significant influence on the quotes you'll get from the company in the first place. The general rule is the more you get the more you pay. But in order to understand how altering each coverage option will affect your rates you will have to spend some time comparing auto insurance quotes.
Personal data
This is a rather general term that defines an entire set of factors such as your age, sex, marital status, education, employment and so one. While this may seem like irrelevant information, insurance experts will tell you otherwise: each of these factors can be linked to the probability of the person filing an insurance claim. So if you are a male younger than 25 and single you will always get higher auto insurance quotes compared to a 45-year-old married woman with higher education.
Place of residence
Another important factor considered by insurers is where you live. Depending on the place you reside in your quotes may vary greatly, and even two nearby towns divided by a state border can have a significant difference in average rates. That is explained by an entire set of causes, such as state regulations, local business activity, auto theft rates, traffic intensity, insurance competition and so on. The general rule is that large cities have higher rates than small towns, and safer neighborhoods are cheaper to insure your car in than in places with high crime rates. As for the state regulations - the only way to escape expensive auto insurance quotes is moving to another state.
Driving record
The driving record reflects your entire history of being a driver, most notably all the traffic violations and tickets you've received since getting your driver's license. Obviously, the cleaner the record the safer you are considered by the insurance company and the lower your auto insurance quotes will be. But a completely clean record is something you won't easily find these days. If you have too many entries in the document inquire with your traffic police department about the options you have to improve it. It's very likely that you will be suggested a defensive or advanced driving course that will get some penalty points off your record.
The car
The car you're trying to insure should obviously have some effect on the rates you get as well. But its weight is not as prominent as most people might think. Still, the type of the vehicle, its engine volume, power, top speed, safety ratings, theft rates and repair costs will certainly have a strong influence on how expensive the insurance will turn out. The general rule is that larger cars such as trucks and SUVs will cost more to insure, as well as sports and muscle cars. But the middle class and family vehicles may also be rather expensive in terms of insurance depending on car make and model. So choose your vehicle carefully and get auto insurance quotes in advance in order to get an insurance-friendly vehicle right from the start.

Wednesday, December 25, 2013

Car Insurance Quotes: The Best New Safety Features

Thanks to major advancements in technology, cars are safer to drive today than ever before. However, some of the new features are more important than others. Here are a few to look for when you go car shopping:
  • Enhanced Visibility: Some vehicles come with adaptive headlights, which mean that they turn as you turn the car so you can see around curves. Others feature infrared night vision, which help you see things just beyond your normal line of sight at night. For instance, you may be able to see a deer or other animal just off to the side of the road that you would otherwise miss.
  • Lane Departure Warning: Many cars today alert you when you are drifting out of your lane. This can help prevent a head-on collision. The cars come equipped with radars or other sensors that help determine where the car is in relation to the lane. The car will alert you with a beep and lights flashing. The steering wheel may also vibrate.
  • Rear View Camera: It can be hard to see what surrounds you when you are backing out of your driveway or out of a space in a parking lot. Rear view cameras have been added to many vehicles to give you a better view. This can help prevent you from hitting another car or running into a person behind your vehicle. The vehicle may come with backup sensors, too. These send out warning beeps as you get closer to an object.
  • Automatic Braking: More cars are adding this feature and it is expected to be standard in a few years. The vehicle's brake system automatically engages when you are getting too close to another vehicle. This can not only help avoid a collision, but it can reduce the impact and injury if you do collide with another vehicle. This is an important feature to mention when you are shopping for car insurance quotes to help you qualify for a lower cost.
  • Forward-Collision Avoidance: This is a complete system that is just being added to certain cars. It often works in conjunction with the automatic braking system. It alerts drivers to the possibility of a crash and begins to take action to either prevent one or lessen the impact. It can reposition the headrests, move the passenger seat back, and apply the brakes.
Preparing to shop for lower car insurance quotes , FIRST - make sure to mention any safety features your vehicle has, SECOND - go to our website!

Discounts Available with Car Insurance Quotes

Finding cheaper insurance is a priority for many drivers. There are several ways you can save money when buying insurance. Qualifying for discounts is a common way to save hundreds of dollars annually on insurance costs. Consider the following discounts when comparing car insurance quotes.

Common Discounts

You can rely on most insurers to offer a particular set of discounts. Although the amount of discounts can vary among insurers, the following are popular discounts provided by most major insurers:
  • Safe driver - by maintaining a clean driving record for a number of years, you can save as much as 10% on premiums.
  • Good student - high school and college students under the age of 25 who maintain a "B" average can get a 15% reduction on insurance.
  • Multi-car - families can save at least 10% by insuring all vehicles through the same agency.
  • Safe vehicle - insuring a car with anti-lock brakes, airbags, automatic seat belts, and anti-theft devices can qualify you for 40% or more off annual premiums.
  • Multi-policy - save an additional 25% when you buy your car, life, and home insurance from the same insurer.
Drivers who qualify for several of these discounts can save over 50% on premiums. You will need to check with each insurer to see which discounts they offer.

Hidden Discounts

In addition to these common discounts, there are other discounts available that may be less familiar to drivers. Not all insurers offer these discounts:
  • Early signing - switching to a new provider before your existing policy expires can save you between 5% and 10% on your new policy.
  • Low mileage - retirees, self-employed individuals who work at home, and even drivers who live close to their work may be eligible for 10% off premiums because they are on the road less which reduces their risk of being in an accident.
  • Payment plan - you may get up to 5% off premiums just by setting up automatic payments for monthly plans. Or you can save 10% if you pay your policy premium in full.
Car insurance quotes are the best way to buy coverage today. When comparing car insurance quotes, you need to know which discounts are applied to each quote so you can determine if you are getting a good deal or not. Use the best quote to buy a policy that meets your needs!

Tuesday, December 24, 2013

Getting auto insurance quotes in Baltimore, Maryland isn't that difficult

Car owners in Baltimore, Maryland aren't as used to auto theft as people in other places (especially California), but this certainly doesn't mean that car's aren't being stolen there as well. While Maryland seems to be like a safe spot for a car owner in terms of theft risk on top of a global decline in theft rates, things like that still happen from time to time. And you certainly want your vehicle to stay out of the statistics even if you have it insured properly. Who needs the hassle of dealing with an insurance company when all it takes is a few measures to protect the car? Moreover, when it also offers the chance to get better auto insurance quotes in Baltimore, Maryland. Yes, that's right, and in order to understand the connection you first need to learn the link between theft rates and insurance rates.

How theft rates affect auto insurance quotes

It's pretty obvious that higher car theft rates lead to higher insurance costs. Since many car owners tend to prefer comprehensive coverage, especially if they are aware of the theft risks, it's the insurer who ends up paying for the stolen vehicle. And while the current theft rates are among the lowest during the last several decades, still there are hundreds of thousands of vehicles being stolen on a yearly basis. And only half of them make it back to their owners, while the other half gets reimbursed by insurance companies. So, obviously, insurance rates tend to be higher in areas with higher theft rats. Fortunately for car owners in Baltimore, that's not exactly their case. But they can still take advantage of anti-theft initiatives if they want to get better auto insurance quotes in Baltimore, Maryland.

How protecting your vehicle saves you money

Regardless of the local car theft rates, insurance companies are always happy when car owners take the effort to lower the risk of their vehicle being stolen. Actually, they are happy to the point where they will reward the driver if the efforts are deemed effective for protecting the car. In other words, you can get a very sweet discount for taking the necessary measures to protect your vehicle against theft. And while these measures will require some effort and investment, they are usually paid off with the discount you get in the end.

Measures that can be taken for protecting the vehicle

The modern market offers a wide variety of options for protecting your vehicle from being stolen. The price range is also quite broad, starting with just a dozen of dollars for the simplest "club" to thousands of dollars for the most advanced security system. But the amount of money spent on anti-theft protection isn't that important for as long as the measures are really effective. That's why insurance experts recommend setting your eyes and wallet on the following anti-theft options:
Loud and bright alarms: the most annoying type of protection, which is also very effective. The aim of such a system is not to stop the thief but to alarm everyone about his presence, which puts the criminal into stress and usually makes him want to give up the attempt. So it may be not very expensive for as long as it's good at making the noise when required.
Immobilizers: there are many types of such devices ranging from simple steering wheel blockers to advanced kill-switches and electric locks. The main purpose of such devices is to render the vehicle inoperable in case of an unauthorized access, and that's where you would want to cash out a bit. A professional car thief may break even the most advanced digital lock, but if it's a really good one it will take him more time, which increases the chances of being detected.
Geo-locators: a piece of equipment that can bring back your vehicle in a matter of hours after the theft. By having real-time access to the current location of your vehicle through a GPS module you will be able to contact the police and retrieve it effectively. That's why having this feature alone can seriously reduce your auto insurance quotes in Baltimore, Maryland.

Before you Get your Auto Insurance Quotes in Illinois, Know the Laws

The laws regarding auto insurance in Illinois can be pretty harsh. So it is a good idea to have your head around them before you look into getting auto insurance quotes in Illinois. The first and most obvious point is that it is mandatory that every vehicle be insured. This is pretty much true throughout the nation, and should come as no surprise to anyone. If you drive without insurance, you can have the registration on your car suspended, and might be responsible for a fine of a minimum of 55$. If you are caught driving a vehicle with a suspended registration, then the fines can shoot up well over 1000$. The theory behind this is to attempt to deter you from violating the law again, and harsh penalties like that are hardly worth the risk. If your car has an Illinois license plate, then these laws apply to you.
Getting down to brass tacks, the actual requirement for insurance is only the start. There are also minimums that the state requires. The liability requirements mean you need to have at least 20,000$ in coverage in case you are at fault in an accident to cover any obligation for repairs on your part. Beyond that, the law requires you to have at least 40,000$ in case of injury or death. The minimum requirement for damage to property is 15,000$ so that any damage you do will be mitigated though the insurance company.
Another aspect of the auto insurance laws in Illinois is that you are required by law to carry with you proof that your car is insured, and this can be requested by a police officer at any point they deem necessary. These laws are enforced though a random questionnaire that is sent out to random vehicle owner's throughout the state. If you fail to return this questionnaire then you can face fines and the suspension of your vehicles registration. Insurance on the car needs to be shown prior to it being reinstated. The second time the law is broken the vehicle gets suspended for four times longer, and after that the person breaking the law gets put under court supervision.
Illinois has been at the forefront of protecting its citizens though proper vehicle safety laws. This allows drivers to drive knowing that should an irresponsible driver strike them, they are protected. Getting proper insurance is of the utmost importance, and getting good auto insurance quotes in Illinois can mean the difference between losing your license and being protected. Getting proper auto insurance quotes in Illinois is easy with use of the Internet to quickly sort through the various insurance companies. With the right auto insurance quotes in Illinois you be a safe from the strict Illinois laws.

Tuesday, December 17, 2013

How to Get Cheap Car Insurance for Teen Drivers

It is a well-known fact that the cost of insurance alone can prevent some teens from driving. However, when armed with the right information, you can get affordable coverage at any age. Getting cheap auto insurance is even possible for teen drivers.

When Parents Pay for Coverage

One way to save money on car insurance is to have your parents add you to their existing policy. Their premiums will increase but not as much as a stand-alone policy would cost. They can save money by taking advantage of the following discounts:
  • Multiple vehicles - save as much as 20% by insuring more than one vehicle at a time.
  • Multiple policies - get up to 25% off premiums by purchasing car, life, and homeowners insurance from the same insurance provider.
They will save more if they have a clean driving record. The more discounts they qualify for, the more they can save when adding you to their policy. Depending on their budget, it may be possible to increase deductibles to lower premiums even more.

Getting Coverage on Your Own

Let's face it, teens want to be independent. You want your own car and your own insurance policy. That is possible, but it will cost you. Fortunately, there are ways you can get cheap car insurance and save money:
  • Get good student discount - if you can maintain a B average in high school or college, you may qualify for 15% off your insurance costs.
  • Complete driver's education course - knowing how to drive defensively is invaluable, especially for new drivers. Several insurers reward drivers who complete approved classes by giving discounts up to 10%.
  • Drive a safe vehicle - vehicles with anti-theft devices, airbags, and anti-lock brakes can save you 5% on premiums. Most insurers stipulate what type of ant-theft devices are covered by this discount. You can save more if your vehicle has a tracking system in case your vehicle is stolen.
  • Buy an older car - new vehicles can be more expensive to insure because they cost more to purchase and repair. You can get lower rates when you insure an older vehicle that does not require comprehensive coverage.
Since you are probably not earning much as a teenager, you should not increase deductibles as a way to get lower premiums. It is better to pay more for lower deductibles so you are protected as much as possible. Insurance is not only legally required, but it is good financial protection for young drivers who are more likely to be in an accident. With cheap car insurance, you get coverage you need at rates you can afford!

Wednesday, December 11, 2013

Keeping you auto insurance quotes within legal limits in Houston, TX

Houston is a huge city - it is the 4th largest city in the United States and the largest city in Texas. Driving here can be overwhelming, frustrating, confusing, and sometimes dangerous. With all of these drivers on the road, insurance is even more important.
Insurance helps protect you if you are involved in an accident. It can help cover your financial responsibility if you cause an accident, or it can help repair/replace your vehicle, pay for medical expenses, or lessen the impact of loss wages from work if you are involved in an accident. Without insurance, you could be stuck with bills in the hundreds of thousands range. You will spend more time on the road and it will take longer to get where you are going because Houston is such a large place. You have more chances of getting into an accident the more times you are on the road and the more drivers there are around you.
Before you purchase insurance, it is useful to search for auto insurance quotes in Houston, Texas. Finding as many quotes as you can is a great way to get an idea of what insurance will cost you and what types of discounts, coverage, and benefits are available. Auto insurance companies are required to provide you with the legal requirements as far as coverage goes, but sometimes you will end up on a page that does not service your state. Knowing what these legal requirements are is therefore a useful thing to know.
As a Texan driver, you are required to carry liability coverage. Liability coverage is a type of insurance that will protect others on the road if you are the one to cause an accident. Currently, you are required to carry "30/60/25" as far as liability goes. This means that for each injured individual, you have at least $30,000 in coverage, for each accident, you are required to carry $60,000, and for property damage, $25,000. It is important to keep in mind that these are simply the minimum requirements. If you are involved in an accident that goes above these limits, you will be required to pay the balance yourself. This is why it is a good idea to get as much insurance as you can afford, rather than simply sticking with the minimums.
This is the only type of coverage required by Texan law, but there are other coverages available. Liability does nothing to protect you from the bills associated with your own car repairs and medical expenses, only the other car involved in the accident. If you would like protection for yourself, you would need to purchase collision and/or comprehensive insurance. Comprehensive and collision insurance protects you from damages caused by collisions and other situations such as theft, acts of nature, or road debris. When you are applying for auto insurance quotes in Houston, TX, you will be given the option to purchase these and other types of coverage on top of your liability coverage.
Driving in Texas can seem overwhelming, but if you carry the right insurance, that is one less thing to worry about while on the road.

Tuesday, December 10, 2013

Buying your first family car and cheap car insurance

Buying a family car is very different from buying your first car as a teenager. Instead of the excitement of picking out the coolest car on the lot, you think about safety, comfort, and other features. However, with the numerous options available to you today, you can still afford to get a little excited about owning a cool family vehicle.
Consider Your Lifestyle
Before buying your first family car, you'll want to think about your current lifestyle:
  • How many kids do you have and what ages are they? Stop and think about what activities they are involved in and what you and your partner are obligated to. If you have carpooling duties, you'll need a different vehicle than if you are having your first baby.
  • How long you plan to keep the vehicle? You may have one or more transitions such as adding more kids to the family or the kids you have now entering a new phase such as their pre-teen or teenage years. The demands on a vehicle will be different for the lifestyle changes you may face.
Safety First
One of the first things you'll look at is the array of safety features:
  • Airbags
  • ABS Brakes
  • Parking assist to help prevent accidents
  • Some vehicles are designed to prevent rollovers in the event of a crash
Rather than picking out the style or the color of a vehicle you may instead find yourself spending more time looking at safety features. You may also want to do your own research to find out which cars rate best for safety. You can find details about front and side impact and which cars hold up best in simulated accidents. Safety not only protects those you love, but it can help you qualify for cheap car insurance.
When you look at a family car you will likely have a budget to consider. Compared to when they purchased their first car most people have more responsibilities than they did back then. The monthly payments will weigh heavily on which cars you are willing to consider.
However, the price of the car is not the only budgetary consideration. You'll also want to think about how the car you select will change your car insurance policy, especially if you currently enjoy cheap car insurance on an older car that's already paid off.

Buying a family car may not seem as exciting as purchasing your very first vehicle did, but it can be quite an adventure. Take your time to shop around and decide what is most important to you, and welcome this transformation into adulthood with a car that is both stylish and practical.

If there are too many fake certificates around car insurance quotes cannot fall

It is easy to justify the reason for the mandate on car insurance. Although driving isn't forced upon anyone the cost of insurance would be low if all those who decided to drive carried valid driving insurance. Should too many people drive without valid insurance, rates rise. Worse it becomes prudent to carry uninsured driver insurance. The cost of insurance for honest drivers is therefore significantly higher than it should be.
What should be done?
It is simple to link databases that are used by the local Department of Motor Vehicles and insurance companies, from a technology perspective. Whenever anyone seeks to register a vehicle or to renew a driver's license, it should be the work of seconds to confirm whether this person has a valid policy of insurance in place. As a good example of the benefits that come from this link, the experience in Michigan points the way forward. Every year, the state DMV is required to register slightly more than seven million passenger vehicles. Up to this point, drivers have been able to present a paper certificate as evidence of a valid policy of insurance. In a test run for the new computer system in July, 16% of the paper certificates presented were found to be fake. As a trial, this has been a great success with more than four thousand vehicles registrations suspended because there's no valid insurance cover.
Redusing this kind of fraud should be the priority
The fake certificates of are openly advertised online, e.g. on Craiglist (obviously they come with disclaimers). Some of the forgeries are quite sophisticated with the fraudsters running proper telephone lines so that if anyone calls to query the validity of the certificates, they can make reassuring noises. Others have a joke quality as if they are never intended to be used in a real world situation. But every person who does produce one, whether it's at a DMV office or the scene of an accident, is causing harm. The more people avoid paying, the more difficult it is for all the honest drivers to find cheap car insurance.
Michigan is now moving to confirm the link between all the databases. With up to 20% of all vehicles on American roads being without insurance, the use of computers to combat the fraud is essential. This should apply not only to the DMV offices around each state. There's no reason why the insurers' database should not be available to all police officers while on patrol. If you tie in the license plate reading systems with the database, the police officer would be able to pull up any uninsured vehicles on the road. The more quickly these vehicles are removed, the greater the incentive for drivers to buy the relevant insurance. Only then can everyone else expect their car insurance quotes to start falling. Is that not what we pay out police officers to?