Tuesday, October 27, 2009

10 Ways To Lower Your Car Insurance Rates

With all the expenses one has in regards to their car- gas, maintenance, and of course car insurance; you auto insurance could be the easiest one to save money on. Taking time to review your policy, taking time to compare multiple quotes, and raising your deductible are just some of the ways you can start saving on car insurance.

1. Shop and Compare Rates Every 6 Months


If you check your car insurance rates in January, make sure your check them again in June. According to an independent study, people who compare rates and switch carriers at InsWeb.com save an average of $301* on a six month policy. Consider the savings over 12 months! Tickets or no tickets, you're a different driver than you were last summer. Get updated quotes and see what your individual savings could be.
 
2. Lower Your Premium by Selecting Higher Deductibles


Simply put, the higher your deductible, the lower your premium. Indeed the cost of an accident will be that much more expensive; however, if the damage is minor (grey zone in making accident claim), you'll be spending the same out-of-pocket amount regardless.
 
3. Make a Cheaper Policy Even Cheaper: Don't Pay in Monthly Installments


Additional administrative fees are commonly applied to payments when you split your premium in to installments (i.e. monthly, semi-annual, annual). Be aware that a monthly fee of even $7 can add up to $84 over 12 months.

4. Look for Multi-Line Insurance Discounts


The most under recognized car insurance discount results from the multi-line insurance policy: buying your auto insurance and your homeowners insurance from the same insurance company. According to the Insurance Information Institute, a multi-line policy can save you up to 15% on both premiums.
 
5. Collect on Good Driving Car Insurance Discounts


Most insurance companies reward good driving with lower premiums. In fact, in some states a good driving discount is required by law. If you haven't had any accidents or tickets in the last three to five years, shop at InsWeb.com and see whether you are missing out on this money savings discount.
 
6. Don't Overpay for Tickets in your Car Insurance


Unfortunately moving violations are an accurate reflection of your liability to an insurance company, and your rates can skyrocket as a result. Perhaps you deserve a higher rate, but don't let the insurance company unduly punish you. Shop around and see if you can find a more reasonable rate with another company.
 
7. Look for Safe Vehicle Auto Insurance Discount


Many companies offer discounts for various safety features on your vehicle, including air bags, alarms, factory-installed mechanical seatbelts and antilock brakes. In getting updated insurance quotes, be sure to indicate such safety features to benefit from available discounts. 
 
8. Don't Overpay for Your Unnecessary Coverage


You may be paying for coverage that you don't need. For example, you may be a member of an auto club that provides towing services, yet you're also paying for towing on your auto insurance policy. Look for opportunities to eliminate unnecessary costs. 
 
9. Look for a Good Student Discount or Senior Discount


Students currently enrolled in school often receive a discount on auto insurance for good grades, as many companies feel conscientious students make conscientious drivers. Similarly, insurance companies are known to value the wisdom of an experienced driver, offering discounts to drivers over 50 as a result.
 
10. Insurance Discount: Pay Less for Driving Less


Many insurance companies will offer discounts on vehicles that incur low annual mileage. In fact, some companies have a predetermined number of what they consider low mileage. Has your commute changed? If so, it might save you money to get an updated quote.
 
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Washing Your Vehicle

Although modern vehicle finishes are quite durable and resistant to environmental elements, the paint still needs to be washed on a regular basis to prevent buildup of elements that could permanently harm the finish of your vehicle. In addition, there are the obvious aesthetic benefits to having a clean vehicle.

Why Wash My Car?


Modern vehicles are operated in some pretty harsh environments and are subjected to a continual bombardment of potentially abrasive and corrosive elements. On the road, insects and bird droppings can land on the paint. In the winter, cold weather road maintenance bathes paint with a caustic salt solution, while summer may bring fresh hot tar that can stick to paint. Even while safely parked, dust, acid rain, pollen and bird droppings quickly adhere to the paint. Over time, these contaminants can chemically etch the surface, leaving permanent paint damage. Even plain old dirt eventually scratches the finish, while excessive road salt can lead to early corrosion. To prevent these types of damage, vehicles need to be washed with a good car wash soap and water.
 
Which Car Wash Soap Should I Use?


Unlike most household soaps and detergents, which are designed to cut grease and oil, car wash soap is specially made to be gentle to your vehicle’s finish. Car wash soap will not remove wax and other protective finishes from the surface of the paint. Special additives in the soap (called surfactants) lift and hold dirt so they can be easily rinsed off the surface. Other additives help lubricate your wash sponge to protect the paint from scratching. Some car wash soaps use a type of water-soluble wax to protect the finish even after the car has been dried. Nearly all specialized car wash soaps are sold in concentrate form as a liquid or powder. Mixed with a large bucket of fresh water, a few capfuls will easily wash an entire vehicle.
 
How Often Should I Wash My Car


There is no simple answer to this question, as every vehicle is operated in a different environment. As a rule, the vehicle should be washed when the paint starts looking dirty from two car lengths away, or immediately when contaminants such as bird droppings, winter salt, sap, or tar are on the paint. Most vehicles can go at least seven to 10 days between washings. A garaged vehicle will stay clean nearly twice as long. Contrary to popular belief, a rain shower does not constitute a car wash (in fact, rain can place more harmful chemicals on the paint than does the air!).
 
What About Automatic Car Washes?


If you would rather take your vehicle somewhere to have it washed, do not despair, as there are many benefits to using an automatic car wash. In addition to the convenience, most commercial car washes will vacuum the inside of your car and even offer specialized detailing services such as waxing and polishing. Not to be overlooked, most commercial facilities filter and recycle their water, greatly benefiting the environment.

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Saturday, October 17, 2009

Why Tire Care Is Important

While it’s easy to overlook those four patches of rubber called your tires, performing a few simple checks can yield better fuel economy and improved vehicle handling. Since most tire damage and wear is a result of driving on tires that are improperly inflated, tire experts suggest checking your air pressure once a month.

Maintaining proper tire pressure is important for many reasons other than reducing the potential of a flat tire or a blowout. In order to achieve optimum handling from your vehicle, from everyday driving to making emergency maneuvers, tire pressure needs to be at the proper inflation level. Even a tire that doesn’t appear to be low on air can result in reduced vehicle handling and excessive tread wear.

Tires that are not at the correct air pressure will also increase the rolling resistance (the friction that occurs when an object rolls) of the vehicle. Under-inflated tires, for example, result in increased rolling resistance and therefore require more energy (or fuel) to move the vehicle, which negatively impacts fuel economy. According to the Department of Energy, keeping tires inflated properly improves fuel economy by approximately 3.3 percent. Tires that are over-inflated result in reduced levels of handling performance because less rubber is in contact with the road.

Improper inflation puts unnecessary stress on your tires and can result in excessive or uneven wear. When this happens, it compromises the ability of the tires to perform, and often results in premature tire wear—and the necessity to replace them sooner than expected. Tires with excessive or uneven tread wear can also lead to an accident.

How To Check Your Tire Pressure:

To check tire pressure, use an air pressure gauge. These inexpensive items are available at auto parts stores, gas stations, or in the automotive section of department stores. Many gas stations have one that you can borrow in a pinch.

First, consult your owner’s manual or the label inside the driver’s door jamb to find out what the recommended air pressure is for your vehicle. The number is expressed in “psi” (pounds per square inch). The manufacturer has determined the correct pressure for each vehicle and tire combination and may also list a “hot” pressure, for when tires are warm, and a “cold” pressure if you’ve driven just a few miles (such as from your home to the gas station to check your tire pressure). There may even be special tire pressure recommendations based on the number of passengers or if the vehicle is used for towing. Importantly, the psi number noted on the sidewall of the tire is the maximum pressure of the tire and is not the proper inflation level for the vehicle.

To check the air pressure, unscrew the cap from the tire’s valve stem and place the round end of the gauge over the stem. Push down with some force to ensure there is a good seal, otherwise the reading will be incorrect (and you may also lose air pressure). To determine what the tire pressure is, read the numbers and lines on the bottom of the gauge. If you’re not sure the reading is accurate, repeat the procedure one or two more times.

Check all four tires and add or remove air as needed to equalize the tire pressures. To add air, use the air compressor at any gas station, which will frequently cost you a quarter or two. To remove air, simply use the non-rounded end of your gauge, and push it in to the valve stem. As the valve is being depressed, the escaping air will make a hissing sound. Use the gauge to check the pressure several times until the proper psi reading is reached.

Perform A Simple Tire Inspection:

In addition to checking your air pressure, also look for signs of tire wear, such as cracks in the sidewall, or foreign objects embedded in the tire, such as nails or screws. Check the tread depth using a simple “penny” test. Take a penny and place it with President Lincoln’s hair downward between the grooves of the tread at the top of the tire. As long as part of his head is obscured by the tread, you have the legal amount of tread remaining on your tires. Check the tread depth in several places on each tire to spot uneven tread wear. If you see Abe’s full head in some areas, then it’s time to purchase new tires.

Signs Of Tire Problems:

Although there is no replacement for using a tire gauge to check the inflation levels, there are a couple of signs that your vehicle’s tires may be improperly inflated. When driving down a straight, level road, check to see if the car pulls to one side or the other. While this “pulling” may be caused by improper alignment, it may also indicate a tire issue—especially if you are certain that the alignment is correct or if the vehicle recently had an alignment service. If the center section of the tread is smooth, your tires may be over-inflated. Likewise, if the outside sections or edges of the tire tread are worn or rounded, your tires may be under-inflated. Also, listen for any squealing sounds when turning a corner at normal speeds. While these things can be symptoms of other problems, they are frequently signs of improperly inflated tires.

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Friday, October 16, 2009

Warning Signs You Need New Brakes

Look, Listen

There are two ways to check for brake wear on disc brakes: by looking and by listening. First, check for wear by looking at your brake pads through the spaces between the wheel’s spokes. The outside pad will be pressed against a metal rotor. Generally, there should be at least 1/4 inch of pad. If you see less than 1/4 inch of pad, you may want to have your brake pads inspected or replaced.

Have you ever heard a high-pitched screeching sound when you applied your brakes? That’s a small metal shim, called an indicator, which is giving you an audible warning that you need to replace your brake pads. You should be aware of this sound (which is loud enough to be heard while the windows are up, but not necessarily loud enough to be heard over the radio or air conditioner). If you hear it regularly, quickly make an appointment with your mechanic.

One exception is if your car has been sitting after being exposed to water, such as from rain or from washing it. The moisture can cause a thin layer of rust to develop on the brake rotors. This is normal. When you first apply the brakes, the pads pressing on the rust-covered rotors may cause a squeal for a few stops until the rust is worn off and then the sound will disappear.

Here are some other signs of brake problems. If you experience any of these, you should visit your repair shop as soon as possible:

Reduced Responsiveness or Fading. If your brakes are not as responsive as they should be or if the pedal “sinks” toward the floor, this could be an indication of a leak in the braking system. It could be an air leak (in the brake hose) or a brake fluid leak. One telltale sign of a brake fluid leak is the presence of a small puddle of fluid when the car is parked. Brake fluid looks similar to fresh motor oil, but with a less “slimy” texture.

Pulling. If your vehicle “pulls” to one side while braking, it may be a sign that the brake linings are wearing unevenly or that there is foreign matter in the brake fluid. Your vehicle may need a brake adjustment or to have the fluid drained and replaced.

Grinding or Growling. This loud metallic sound means that you have worn down the pads completely, most likely beyond replacement. The grinding or growling noise is caused by the two pieces of metal (the disc and the caliper) rubbing together. This can “score,” or scratch your rotors, creating an uneven surface. If this happens, do not be surprised if your mechanic tells you that the rotors need to be “turned” (a process that evens out the rotor surface), or even replaced.

Vibration. A vibration or pulsating brake pedal is often a symptom of warped rotors (but can also indicate that your vehicle is out of alignment). The vibration can feel similar to the feedback in the brake pedal during a panic stop in a vehicle equipped with anti-lock brakes.

It is a sign of warped rotors if the vibration occurs during braking situations when the anti-lock brakes are not engaged. Warped rotors are caused by severe braking for long periods, such as when driving down a steep mountain or when towing. Tremendous amounts of friction are created under these conditions, heating up the rotors and causing them to warp. The vibration is felt because the brake pads are not able to grab the surface evenly. If you drive in these conditions, make sure to stop periodically to allow your brakes to cool off.

For many owners, maintaining the vehicle’s brakes is something that is often overlooked. But keeping your brakes properly calibrated and in good working order can prevent costly repairs down the line, and, more importantly, help you avoid a collision.

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Synthetic Motor Oils - Does Your Car Need Them?

Motor oil is one of the most important fluids in your vehicle. The purpose of motor oil is to reduce friction and keep a vehicle’s engine clean and corrosion-free. Another critical function is to buffer heat from moving parts in the engine. Most motor oils are manufactured from petroleum-based crude oil, which is processed into motor oil.

Over time, petroleum-based oils will degrade or break down from the heat and pressure inside the engine. As this occurs, the chemical composition of the oil changes and it becomes contaminated. After thousands of miles, petroleum-based oils are unable to protect the engine and must be replaced.

Synthetic motor oils have a higher tolerance to heat and aging. The performance characteristics of these synthetic lubricants can be custom-designed to exceed the performance limits of petroleum-based motor oils – and their use can possibly increase the life of your engine.

What are the advantages of synthetic oil?

Synthetic oil was developed for high-temperature use in jet aircraft engines decades ago when engineers realized that petroleum-based oils break down and lose their lubricating capabilities when exposed to high heat. Over time, petroleum-based oils began to oxidize and create sludge, leaving damaging residue inside the engine.

Formulated in a laboratory, man-made synthetic oil doesn’t contain the naturally occurring chemicals that break down at high temperatures. It is also manufactured without many of the chemical compositions that contribute to oil oxidation and sludge buildup. Synthetic oil can tolerate temperatures that would burn up petroleum-based oils.

Synthetic oil performs admirably in heat, but also offers many benefits in extreme cold. Petroleum-based motor oil thickens in cold temperatures, requiring the starter and battery to work much harder to start a cold engine. Synthetic oil is not as affected by low temperatures, and it will flow much easier at engine start-up. As an added benefit, the cold temperature properties allow it to be quickly pumped throughout the engine, offering much improved start-up protection against friction.

Custom-designed synthetic oils contain many additives. These keep the inside of the engine clean, and add additional engine protection for extended periods.

What are the disadvantages of synthetic oil?

Quite simply, the biggest disadvantage of synthetic oil is price. With a manufacturing process that is much more involved, synthetic motor oil costs nearly four times the price of petroleum-based motor oil. This means an oil change that would typically cost $20 could cost nearly $80. However, since synthetics are more durable, oil changes are not needed as often, and this fact partially negates the cost disadvantage of synthetics.

What is a synthetic blend?

Regular petroleum-based motor oil and synthetic motor oil are fully compatible, and can be readily mixed. Some manufacturers combine the two types of oil and package the mixture as a synthetic blend. Synthetic-blend oils offer many of the benefits of fully synthetic oil, but at a reduced cost. Be sure to consult your owner’s manual or the vehicle manufacturer before considering a switch to synthetic blend oil.

Does my vehicle need synthetic oil?

There is little doubt that synthetic oil offers superior engine protection under extreme operating conditions. However, many owners may not operate their vehicles in conditions that warrant the additional engine protection of synthetic motor oil. For most owners, petroleum-based motor oils are just fine. Change the oil at the manufacturer’s recommended interval (found in the owner’s manual) and your vehicle will reward you with a long service life.

If your vehicle is turbocharged, used for towing heavy loads, driven on the racetrack, or operated in extreme temperatures, synthetic oil may be beneficial for extended engine life. Each of these harsh operating conditions demand more from your engine and motor oil, and synthetic oil can deliver the needed protection.

One other reason to consider synthetic motor oil is extended periods between oil changes. Petroleum-based oils generally require replacement every 3,500 to 7,500 miles, depending on service use. Synthetic oils can easily offer double the service life as their chemical composition does not break down over time. Several manufacturers have taken advantage of this and supply synthetic oil in their vehicles from the factory to extend oil-change intervals and extend engine longevity. Check your owner’s manual or ask your service advisor if synthetic motor oil may be right for your vehicle or driving style.

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Thursday, October 15, 2009

Do You Have A Cracked Windshield?

If you are a Florida resident, with a cracked windshield on your vehicle, your Auto Insurance Company will replace your windshield for FREE. Many are not aware of this fact, while others are skeptical of their rates increasing, or their deductible being higher than the cost of a new windshield.

Truth of the matter is glass breakage, as well as repair or replacement of a windshield, is typically covered by comprehensive insurance coverage which is a type of physical damage coverage. In Florida, when you have this type of policy (or collision) the deductible is waived when the front windshield is being replaced due to damage, such as it being cracked.

Florida Statute 627.7288 states that the deductible shall not apply to windshield damages. However, you must have either comprehensive or collision coverage. A policy that provides liability coverage only will not cover your windshield. If you only have the state minimum required insurance, which is PIP (personal injury protection) and property damage liability (PD), then your windshield would not be covered by these coverage’s.


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Monday, October 12, 2009

Just Say "Show Me The Carfax"

In this day and age, it is important that you make the right decision when spending your hard earned money on a used car. Some vehicles may "look" and "drive" great, but they may have had major issues at some point in time that you should know about.

We research every single vehicle we attempt to purchase, just as you should, to guarantee our customers we sell nothing but Carfax Certified vehicles. On average, we pull 400-500 History Reports, per month, and you would be amazed at some of the issues we come across on some of the nicest "looking" vehicles we have to choose from. So, believe us when we tell you that it is easy to be fooled by the "looks" of a vehicle.

Some of the most common issues we come across are odometer rollbacks, accident indicators, flood area registrations, lemon law vehicles, branded titles, salvage titles, and rebuilt titles. These are all issues with used cars that you will not know just by looking at them and driving them. These issues will ruin your chance of resale in the future.

Although a licensed dealer is required to inform you of any title issues or odometer rollbacks, not all of them will. This is your hard earned money you're spending, so DO NOT feel ashamed or bashful to ask any dealer for a Carfax. If the dealer gives you an excuse like their internet service is down, or they want you to pay for it, DO NOT DO BUSINESS with that dealer, no matter how nice the vehicle may look or drive. 9 times out of 10, the dealer will give an excuse not to show you the Carfax, because they know there is a major issue on the History Report.

We tell everyone, whether they purchase a vehicle from us or not, to call us if they are shopping around and they run into a dealer that has an excuse not to show them the Carfax. We have an unlimited monthly subscription, so it won't cost us any more or less to pull reports for anyone. Heck, even if you're reading this, and we don't have a vehicle you like, hold on to our numbers and call us anyway, if you run into this situation. Lou can be reached @ 813-777-4242 or you can reach Mike @ 813-956-8086. Just tell us you saw us on Merchant Circle and we will pull the Carfax for you for FREE!

Now, one problem a lot of consumers have is reading too far into the report. They tend to shy away from some cars, because of something they may see on the Carfax that scares them away. It is important not to let this happen to you. For example there may be a recorded service record where a certain part may have been replaced. This is NOT a bad thing. Also, although we do not sell vehicles with accident indicators on the History Report, it does not mean that it is a "bad vehicle". When you see this, have a body shop or mechanic inspect the vehicle before you make a decision whether or not to purchase it.

You can save yourself a lot of heartache by saying "Show Me the Carfax".

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Friday, October 9, 2009

Farewell To The Brandon Auto Mall - A Used Car Dealer In Brandon, Florida

Since relocating to Brandon from Wesley Chapel, in July of 2008, we have seen many Big and Small, New and Used Car Dealers in the Brandon area leave us due to direct effects of a Global Economic Slow Down.

Although we are also a Family Owned Used Car Dealer (on a much smaller scale) in Brandon, Florida, we are sad to see the latest loss of a fellow Family Owned, Automotive Giant which was located just 1 mile East of our location on East Brandon Blvd (SR60) - The Brandon Auto Mall.

We're sad to see them go for a number of reasons. One being that quite a few of our personal friends were employed by the Brandon Auto Mall, as well as other Dealerships which were owned by Ernie Haire, a well recognized leader in the Automotive Business across the Tampa area, forced to close and or sell due to a recent Bankruptcy. Another reason being (from a business perspective) the importance of having a competitor that draws as much attention to the area, because of their size, such as the Brandon Auto Mall.

What has helped us get through, without termoil, is not just our direct, honest approach to Internet Marketing (which has earned us a World Wide client base), but our unique way of offering our potential clients a stress free, no pressure opportunity to purchase a quality, Carfax Certified vehicle at an affordable price.

We appreciate the support we get from Brandon, and surrounding area residents, and we want it to be known that we are still going strong, despite the struggles many have faced this year. A noticeable increase in sales, over the past 3 months, gives us reason to believe that not just Brandon, but all of America may have seen the worst of it all.

To those that did not make it through these trying times, we want to wish you well in the future. And for those who made it, smile, 'cause the worst is behind us and the best is yet to come!

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