1 - Log on to Craigslist and look for a deal on a car. Some of the most successful Craigslist car scams involve used cars that are rare or "classics".
2 - Look for expensive cars listed for a price well below their market value. Scammers use very obvious deals to get potential victims interested in doing business with them.
3 - Respond to the ad. Get an immediate reply from the scammer telling you the reason why he is selling the car, even though the details are irrelevant. Scammers usually refer to an overseas move and difficulty in transferring the car into the new country.
4 - Note that that the scammer is only willing to give you a limited amount of information about his identity. In some cases, the scammer may give you more information than is needed, but the information will be fake or unverifiable.
5 - Refuse to close the transaction without seeing the car. The seller will try to convince you to use a supposedly secure escrow service to transfer and hold your money until the transaction has been completed. The escrow service will be associated with a company that you've never heard of or based in a foreign country. In some cases, the scammer will insist that you wire money.
6 - Understand that if you use the escrow service or wire money to the scammer the car will never be delivered and you'll lose your money.
WEBSITE:
http://www.tampabayautonetwork.com/
TWITTER:
http://twitter.com/TmpAutoNtwrk
YOU TUBE:
http://www.youtube.com/user/TampaBayAutoNetwork
Thursday, November 19, 2009
Wednesday, November 18, 2009
Are You a Distracted Driver?
Ever tried to eat a burger while driving? What about trying to separate your two fighting kids in the back seat? Ever reached down to pick up a CD that fell on the floor while driving? These are just a few of the most common driver distractions.
We all become more comfortable driving as the years progress, but unfortunately many of us become a little too confident. Your license to drive is not a license to drive while simultaneously putting on your makeup and shoving down a quick breakfast.
Let's take a look at some common driver distractions. Are you guilty of any of these?
• Cell Phones—Cell phone use in cars has been a hot topic ever since cell phones started becoming popular. We all know that talking on our phones can distract our attention from driving. We all know that we should use hands-free devices whenever possible (although these can still be a distraction, just like the distracting discussions topic above). Yet a large percentage of us still talk on our cell phones frequently while driving. Try to keep your cell phone use while driving limited to emergencies only. If you get a call you really want to take, pull over in a safe spot and have your conversation.
• Text Messaging—An even greater distraction than cell phones, text messaging while driving is becoming such a concern that many local and state governments are considering legislation that would make it illegal to text while driving (Washington state has already passed such legislation). Teenagers are especially prone to the dangers of texting while driving. If there is a teen driver with access to a cell phone in your household, talk to them about the dangers of texting while driving. Just as important, make sure you set an example for your teen by not texting while driving yourself.
• Outside Distractions—Whether it's a restaurant that just opened, a human billboard pointing the way to new homes, a beautiful rainbow or a bad accident, most of us just cannot resist the urge to take a peek, even when we should be concentrating on the road.
• Sicknesses—A sudden onset of sneezes, a bad cough and searching your car for a tissue to catch that runny nose are all examples of how being sick can distract you from driving. Not to mention the fact that most of us are not at our most alert when we are sick. That's why it is extra important to pay attention to the road and to wait until you are stopped at a traffic light to reach for that tissue. Of course, we can't predict sneezes, but make sure you quickly look back to the road after you sneeze.
• Inspector Gadget—Cars these days often have more controls than a small plane. Besides the obvious stereo and temperature controls, many cars have features such as navigation systems and televisions. CD players can be especially distracting, as it takes at least one hand off the steering wheel to pick out a CD and put it in the player, especially if your pack of CDs is on the ground and you have to reach for them…which brings us to…
• Reaching for the Unreachable—We are all guilty of this at one time or another. For some reason, we just HAVE to have that book in the back seat in our hands now. But this is one of the worst driver distractions, as it usually means that our hand or hands are off the wheel AND our eyes are off the road. Next time, try to make yourself wait to grab that errant CD until you are stopped at a traffic light. Or, if it's safe, pull over and grab whatever you need.
• Eating and Drinking—One of the most common driver distractions is eating and/or drinking while driving. These days, we all seem to be in a rush, and many of us try to scarf down our breakfast or lunch on our way to work. Some of the worst foods to eat while driving are coffee/tea (a hot spill on your leg will certainly distract you), messy hamburgers or sandwiches that drop stuff all over you while you are driving, anything fried that leaves you with greasy hands that could slip off the steering wheel, and, similarly, things like chocolate and jelly doughnuts that leave your hands sticky or slick. Try to avoid eating on the road whenever possible. If you are in a rush, grab a quick bite and eat it in the parking lot before leaving.
• Distracting Discussions—Ever gotten in a heated debate while driving? What about listening and intervening as your children in the backseat start arguing? Interaction with your passengers is another common driving distraction. This can especially be a problem for new drivers, who should focus all their attention on their driving and not on their passengers.
• Beautification—Again, you're running late. You forgot to put on your mascara/brush your hair/shave. What better place to do it than in the car, right? Wrong! Things that involve tools not only take your hands off the steering wheel and your eyes off the road, they also have the potential to inflict pain and cause further distraction. If you are applying eye makeup or shaving and you have to brake suddenly, think of the injuries that could ensue!
The National Highway Traffic Safety Administration (NHTSA) states that distracted driving causes around 25 percent of the auto accidents in the U.S. each year. That's nearly 1.6 million accidents annually caused by many of the things we discussed above, most of which are so easily preventable. Try to avoid letting distractions take your attention away from what you should be doing, concentrating on driving and protecting the lives of you and your passengers.
WEBSITE:
http://www.tampabayautonetwork.com/
TWITTER:
http://twitter.com/TmpAutoNtwrk
YOU TUBE:
http://www.youtube.com/user/TampaBayAutoNetwork
We all become more comfortable driving as the years progress, but unfortunately many of us become a little too confident. Your license to drive is not a license to drive while simultaneously putting on your makeup and shoving down a quick breakfast.
Let's take a look at some common driver distractions. Are you guilty of any of these?
• Cell Phones—Cell phone use in cars has been a hot topic ever since cell phones started becoming popular. We all know that talking on our phones can distract our attention from driving. We all know that we should use hands-free devices whenever possible (although these can still be a distraction, just like the distracting discussions topic above). Yet a large percentage of us still talk on our cell phones frequently while driving. Try to keep your cell phone use while driving limited to emergencies only. If you get a call you really want to take, pull over in a safe spot and have your conversation.
• Text Messaging—An even greater distraction than cell phones, text messaging while driving is becoming such a concern that many local and state governments are considering legislation that would make it illegal to text while driving (Washington state has already passed such legislation). Teenagers are especially prone to the dangers of texting while driving. If there is a teen driver with access to a cell phone in your household, talk to them about the dangers of texting while driving. Just as important, make sure you set an example for your teen by not texting while driving yourself.
• Outside Distractions—Whether it's a restaurant that just opened, a human billboard pointing the way to new homes, a beautiful rainbow or a bad accident, most of us just cannot resist the urge to take a peek, even when we should be concentrating on the road.
• Sicknesses—A sudden onset of sneezes, a bad cough and searching your car for a tissue to catch that runny nose are all examples of how being sick can distract you from driving. Not to mention the fact that most of us are not at our most alert when we are sick. That's why it is extra important to pay attention to the road and to wait until you are stopped at a traffic light to reach for that tissue. Of course, we can't predict sneezes, but make sure you quickly look back to the road after you sneeze.
• Inspector Gadget—Cars these days often have more controls than a small plane. Besides the obvious stereo and temperature controls, many cars have features such as navigation systems and televisions. CD players can be especially distracting, as it takes at least one hand off the steering wheel to pick out a CD and put it in the player, especially if your pack of CDs is on the ground and you have to reach for them…which brings us to…
• Reaching for the Unreachable—We are all guilty of this at one time or another. For some reason, we just HAVE to have that book in the back seat in our hands now. But this is one of the worst driver distractions, as it usually means that our hand or hands are off the wheel AND our eyes are off the road. Next time, try to make yourself wait to grab that errant CD until you are stopped at a traffic light. Or, if it's safe, pull over and grab whatever you need.
• Eating and Drinking—One of the most common driver distractions is eating and/or drinking while driving. These days, we all seem to be in a rush, and many of us try to scarf down our breakfast or lunch on our way to work. Some of the worst foods to eat while driving are coffee/tea (a hot spill on your leg will certainly distract you), messy hamburgers or sandwiches that drop stuff all over you while you are driving, anything fried that leaves you with greasy hands that could slip off the steering wheel, and, similarly, things like chocolate and jelly doughnuts that leave your hands sticky or slick. Try to avoid eating on the road whenever possible. If you are in a rush, grab a quick bite and eat it in the parking lot before leaving.
• Distracting Discussions—Ever gotten in a heated debate while driving? What about listening and intervening as your children in the backseat start arguing? Interaction with your passengers is another common driving distraction. This can especially be a problem for new drivers, who should focus all their attention on their driving and not on their passengers.
• Beautification—Again, you're running late. You forgot to put on your mascara/brush your hair/shave. What better place to do it than in the car, right? Wrong! Things that involve tools not only take your hands off the steering wheel and your eyes off the road, they also have the potential to inflict pain and cause further distraction. If you are applying eye makeup or shaving and you have to brake suddenly, think of the injuries that could ensue!
The National Highway Traffic Safety Administration (NHTSA) states that distracted driving causes around 25 percent of the auto accidents in the U.S. each year. That's nearly 1.6 million accidents annually caused by many of the things we discussed above, most of which are so easily preventable. Try to avoid letting distractions take your attention away from what you should be doing, concentrating on driving and protecting the lives of you and your passengers.
WEBSITE:
http://www.tampabayautonetwork.com/
TWITTER:
http://twitter.com/TmpAutoNtwrk
YOU TUBE:
http://www.youtube.com/user/TampaBayAutoNetwork
Thursday, November 12, 2009
Silver is the Most Popular Car Color for Ninth Year in a Row
Silver is overwhelmingly the most popular car color worldwide for the ninth consecutive year, according to data released on October 2 by auto paint giant PPG Industries.
The color silver includes charcoal and gray shades, giving it a leg up on more clearly defined colors such as black, white and red.
The European auto palate prefers silver and charcoal 35 percent of the time, followed by black, 22 percent, and blue and white, at 13 percent each. Red, commonly associated with fast Italian sports cars, is actually as rare in Europe as Italian sports cars themselves, at just 8 percent.
The Asia/Pacific region was a near mirror of Europe's preferences at the top with silver and charcoal the most common color (34 percent), followed by black (21 percent), white (17 percent) and blue (9 percent).
In North America silver and charcoal was not so dominant but still victorious, at 25 percent, followed by white (18 percent), black (16 percent), red (12 percent) and blue (11 percent).
The auto industry today would not agree with carmaker Henry Ford, who famously said of his revolutionary Model T in 1909: "Any customer can have a car painted any color that he wants so long as it is black."
"Clearly, the automotive industry is moving toward more color choices," said Jane E. Harrington, PPG manager of color styling and automotive coatings. "Going forward, automotive manufacturers are going to be relying on color more and more to distinguish their brands."
The survey was released at this year's annual Automotive Colour Trend Show in Switzerland, where the Pittsburgh-based company revealed new color ideas such as Outer Space Blue, Champagne Silver and Hulk, the same shade of green as the famed comic book character.
WEBSITE:
http://www.tampabayautonetwork.com/
TWITTER:
http://twitter.com/TmpAutoNtwrk
YOU TUBE:
http://www.youtube.com/user/TampaBayAutoNetwork
The color silver includes charcoal and gray shades, giving it a leg up on more clearly defined colors such as black, white and red.
The European auto palate prefers silver and charcoal 35 percent of the time, followed by black, 22 percent, and blue and white, at 13 percent each. Red, commonly associated with fast Italian sports cars, is actually as rare in Europe as Italian sports cars themselves, at just 8 percent.
The Asia/Pacific region was a near mirror of Europe's preferences at the top with silver and charcoal the most common color (34 percent), followed by black (21 percent), white (17 percent) and blue (9 percent).
In North America silver and charcoal was not so dominant but still victorious, at 25 percent, followed by white (18 percent), black (16 percent), red (12 percent) and blue (11 percent).
The auto industry today would not agree with carmaker Henry Ford, who famously said of his revolutionary Model T in 1909: "Any customer can have a car painted any color that he wants so long as it is black."
"Clearly, the automotive industry is moving toward more color choices," said Jane E. Harrington, PPG manager of color styling and automotive coatings. "Going forward, automotive manufacturers are going to be relying on color more and more to distinguish their brands."
The survey was released at this year's annual Automotive Colour Trend Show in Switzerland, where the Pittsburgh-based company revealed new color ideas such as Outer Space Blue, Champagne Silver and Hulk, the same shade of green as the famed comic book character.
WEBSITE:
http://www.tampabayautonetwork.com/
TWITTER:
http://twitter.com/TmpAutoNtwrk
YOU TUBE:
http://www.youtube.com/user/TampaBayAutoNetwork
Tuesday, November 10, 2009
Buying A Used Car? Use This Checklist....
Buying a used car is a great way to stretch your dollar, but.... you'll want to follow this Checklist BEFORE you buy:
1. Be an educated consumer.
2. Determine what you want and need, make a list, and prioritize your items.
3. Establish a budget and determine the class of vehicles that fit it.
4. Narrow selection by makes and models and learn all you can about them.
5. Research dealerships and sellers.
6. Know the fair market value and vehicle history of any vehicle you're considering.
7. Obtain Vehicle Identification Numbers (VINs) and research cars online; obtain vehicle history reports.
8. Take test-drives and make sure to have cars checked by a mechanic.
9. ASK QUESTIONS, and consider all loan options.
10. If you feel hesitant, walk away. There's always another deal.
WEBSITE:
http://www.tampabayautonetwork.com/
TWITTER:
http://twitter.com/TmpAutoNtwrk
YOU TUBE:
http://www.youtube.com/user/TampaBayAutoNetwork
1. Be an educated consumer.
2. Determine what you want and need, make a list, and prioritize your items.
3. Establish a budget and determine the class of vehicles that fit it.
4. Narrow selection by makes and models and learn all you can about them.
5. Research dealerships and sellers.
6. Know the fair market value and vehicle history of any vehicle you're considering.
7. Obtain Vehicle Identification Numbers (VINs) and research cars online; obtain vehicle history reports.
8. Take test-drives and make sure to have cars checked by a mechanic.
9. ASK QUESTIONS, and consider all loan options.
10. If you feel hesitant, walk away. There's always another deal.
WEBSITE:
http://www.tampabayautonetwork.com/
TWITTER:
http://twitter.com/TmpAutoNtwrk
YOU TUBE:
http://www.youtube.com/user/TampaBayAutoNetwork
Wednesday, November 4, 2009
Understanding Electronic Stability Control
In simple terms, stability control is a computer-managed system that is designed to help the driver maintain control of a vehicle during sudden maneuvers. The technology is considered an “active” safety system because it is designed to help the driver avoid an accident. Sudden braking, throttle or steering inputs when traveling on slick surfaces, or during emergency avoidance maneuvers, can put a vehicle in an unstable state which can potentially result in a spin-out. Without stability control, the vehicle could be nearly impossible to keep on the road. With stability control, however, the driver will feel the loss of control only momentarily.
When sensors and software identify a loss of control, within fractions of a second the system will automatically begin to regulate the brakes and throttle in an attempt to bring the vehicle back under control. Throughout the process, the driver only needs to steer the car toward its intended direction of travel as the system will remain working until the person behind the wheel has complete control once again. However, stability control is not fail safe. If the car is violently heading off course, the driver is traveling at a high rate of speed, or the surface is particularly slick, stability control might not correct the situation. It can, however, work to mitigate whatever damage might occur from a loss of control even if it cannot fully correct the skid.
Technically speaking, stability control is a computer-controlled system that regulates hydraulic and mechanical components on the vehicle using sensors shared with the anti-lock braking system (ABS) and traction control system (TCS). With a typical stability control system, the ABS and TCS sensors monitor the speed of each wheel. Additional sensors monitor the vehicle speed, steering wheel angles, and yaw (how the car turns on its vertical axis). During normal driving, all of the sensors report vehicle data to a high-speed microcomputer. By comparing the steering wheel angle to the vehicle readings, the microcomputer is able to determine if the driver has the vehicle under control, or has entered an unstable situation (a skid or uncontrolled slide, for example).
If the stability control system determines the vehicle is experiencing a potential loss of direction, it immediately attempts to correct the problem by controlling the throttle and braking in an attempt to bring the vehicle under control (it does not control the steering wheel). In operation, the stability control system is far more capable than any driver. Not only does it respond faster, but it is able to control each wheel independently—a feat that is impossible from behind the steering wheel.
As an active safety feature, stability control helps the driver avoid an accident. In an emergency, even the most experienced drivers may find themselves in a situation where they are driving outside the normal limits of their vehicle and a loss of control is imminent. Black ice on the highway, a deer bolting across a dark road, an evasive maneuver to avoid another driver: these are all scenarios where a loss of control would be likely. A stability control system can recognize the potential of the situation, even before the driver can take evasive action, and take corrective action to possibly prevent a serious accident.
Stability control shares its technology with anti-lock brakes and traction control so it is often bundled in an option package including all three. While it is not yet required by law on passenger vehicles, stability control is an integral part of any comprehensive active safety package and is a worthwhile option that can prevent accidents and save lives.
WEBSITE:
http://www.tampabayautonetwork.com/
TWITTER:
http://twitter.com/TmpAutoNtwrk
YOU TUBE:
http://www.youtube.com/user/TampaBayAutoNetwork
When sensors and software identify a loss of control, within fractions of a second the system will automatically begin to regulate the brakes and throttle in an attempt to bring the vehicle back under control. Throughout the process, the driver only needs to steer the car toward its intended direction of travel as the system will remain working until the person behind the wheel has complete control once again. However, stability control is not fail safe. If the car is violently heading off course, the driver is traveling at a high rate of speed, or the surface is particularly slick, stability control might not correct the situation. It can, however, work to mitigate whatever damage might occur from a loss of control even if it cannot fully correct the skid.
Technically speaking, stability control is a computer-controlled system that regulates hydraulic and mechanical components on the vehicle using sensors shared with the anti-lock braking system (ABS) and traction control system (TCS). With a typical stability control system, the ABS and TCS sensors monitor the speed of each wheel. Additional sensors monitor the vehicle speed, steering wheel angles, and yaw (how the car turns on its vertical axis). During normal driving, all of the sensors report vehicle data to a high-speed microcomputer. By comparing the steering wheel angle to the vehicle readings, the microcomputer is able to determine if the driver has the vehicle under control, or has entered an unstable situation (a skid or uncontrolled slide, for example).
If the stability control system determines the vehicle is experiencing a potential loss of direction, it immediately attempts to correct the problem by controlling the throttle and braking in an attempt to bring the vehicle under control (it does not control the steering wheel). In operation, the stability control system is far more capable than any driver. Not only does it respond faster, but it is able to control each wheel independently—a feat that is impossible from behind the steering wheel.
As an active safety feature, stability control helps the driver avoid an accident. In an emergency, even the most experienced drivers may find themselves in a situation where they are driving outside the normal limits of their vehicle and a loss of control is imminent. Black ice on the highway, a deer bolting across a dark road, an evasive maneuver to avoid another driver: these are all scenarios where a loss of control would be likely. A stability control system can recognize the potential of the situation, even before the driver can take evasive action, and take corrective action to possibly prevent a serious accident.
Stability control shares its technology with anti-lock brakes and traction control so it is often bundled in an option package including all three. While it is not yet required by law on passenger vehicles, stability control is an integral part of any comprehensive active safety package and is a worthwhile option that can prevent accidents and save lives.
WEBSITE:
http://www.tampabayautonetwork.com/
TWITTER:
http://twitter.com/TmpAutoNtwrk
YOU TUBE:
http://www.youtube.com/user/TampaBayAutoNetwork
Tuesday, November 3, 2009
Is Your Car On Thieves' List?
As we all know, there are many factors that influence our auto insurance costs, including the cars that we drive, the places we live, and our genders, ages and driving records. When it comes to the car we drive, a major consideration for insurers is whether that car is frequently stolen. If your car is on the list of most stolen vehicles, most insurance companies will charge you a higher rate to insure it.
Non-profit organizations such as the National Insurance Crime Bureau (NICB) track the most stolen vehicles in America by tallying all cars that are reported stolen by law enforcement agencies each year. The NICB's most current top 25 list of most stolen vehicles nationwide is as follows:
1. Toyota Camry
2. Honda Accord
3. Honda Civic
4. Chevrolet Full Size C/K Pickup
5. Ford Full Size Pickup (150/250/350)
6. Jeep Cherokee/Grand Cherokee
7. Oldsmobile Cutlass/Supreme/Ciera
8. Dodge Caravan/Grand Caravan
9. Ford Taurus
10. Toyota Corolla
11. Chrysler/Dodge/Plymouth Neon
12. Nissan Sentra
13. Chevrolet Caprice
14. Ford Explorer
15. Chevrolet Cavalier
16. Chevrolet Compact SUV (Blazer)
17. Plymouth Voyager/Grand Voyager
18. Toyota Pickup
19. Pontiac Grand Am
20. Ford Escort
21. Acura Integra
22. Dodge Ram Pickup
23. Nissan Maxima
24. Ford Mustang
25. Buick LeSabre
Even if your car is high on this list – You CAN protect it!
There are a number of measures you can take to help safeguard your car from being stolen, even from the most experienced thief. The NICB recommends the following “layers of protection;” saying the more layers of protection on your vehicle, the more difficult it is to steal. Think about it, can you imagine what you would do without your car for even a week, let alone longer? Don’t let these professional thieves profit on the car you count on to get you to all the places you need to go.
Layer #1 – Common Sense
An unlocked vehicle with a key in the ignition is an open invitation to any thief, regardless of which anti-theft device you use. The common sense approach to protection is the simplest and most cost-effective way to thwart would-be thieves.
Secure your vehicle even if parking for brief periods. You should always:
•Remove your keys from the ignition
•Lock your doors/close your windows
•Park in a well-lit area
Layer #2 – Warning Device
The second layer of protection is a visible or audible device which alerts thieves that your vehicle is protected.
Popular second layer devices include:
•Audible alarms
•Steering column collars
•Steering wheel/Brake pedal lock
•Brake locks
•Wheel locks
•Tire locks/Tire deflators
•Theft deterrent decals
•Identification markers in or on vehicle
•Window etching
•Laminated glass
Layer #3 – Immobilizing Device
The third layer of protection is a device which prevents thieves from bypassing your ignition and hot-wiring the vehicle.
Some electronic devices have computer chips in ignition keys. Other devices inhibit the flow of electricity or fuel to the engine until a hidden switch or button is activated.
Popular third layer devices include:
•Smart keys
•Fuse cut-offs
•Kill switches
•Starter, ignition and fuel disablers
Layer # 4 – Tracking Device
The final layer of protection is a tracking device which emits a signal to a police or monitoring station when the vehicle is reported stolen. Tracking devices are very effective in helping authorities recover stolen vehicles.
Passive and Active Anti-Theft Systems.
Passive and active anti-theft devices are the two options available when considering an anti-theft system. Passive devices automatically arm themselves when the vehicle is turned off, the ignition key removed, or a door is shut. No additional action is required. Active devices require some independent physical action before they are set, such as pushing a button, or placing a "lock" over a vehicle component part. This physical action must be repeated every time the anti-theft device is set or it will not function.
We can’t predict the future, but we can help safeguard the cars that we count on. Add a layer to your vehicle protection today!
Data is from the National Insurance Crime Bureau (NICB); and list is based on the February 26, 2004 release of comprehensive 2002 vehicle data. Visit www.nicb.org for more information.
WEBSITE:
http://www.tampabayautonetwork.com/
TWITTER:
http://twitter.com/TmpAutoNtwrk
YOU TUBE:
http://www.youtube.com/user/TampaBayAutoNetwork
Non-profit organizations such as the National Insurance Crime Bureau (NICB) track the most stolen vehicles in America by tallying all cars that are reported stolen by law enforcement agencies each year. The NICB's most current top 25 list of most stolen vehicles nationwide is as follows:
1. Toyota Camry
2. Honda Accord
3. Honda Civic
4. Chevrolet Full Size C/K Pickup
5. Ford Full Size Pickup (150/250/350)
6. Jeep Cherokee/Grand Cherokee
7. Oldsmobile Cutlass/Supreme/Ciera
8. Dodge Caravan/Grand Caravan
9. Ford Taurus
10. Toyota Corolla
11. Chrysler/Dodge/Plymouth Neon
12. Nissan Sentra
13. Chevrolet Caprice
14. Ford Explorer
15. Chevrolet Cavalier
16. Chevrolet Compact SUV (Blazer)
17. Plymouth Voyager/Grand Voyager
18. Toyota Pickup
19. Pontiac Grand Am
20. Ford Escort
21. Acura Integra
22. Dodge Ram Pickup
23. Nissan Maxima
24. Ford Mustang
25. Buick LeSabre
Even if your car is high on this list – You CAN protect it!
There are a number of measures you can take to help safeguard your car from being stolen, even from the most experienced thief. The NICB recommends the following “layers of protection;” saying the more layers of protection on your vehicle, the more difficult it is to steal. Think about it, can you imagine what you would do without your car for even a week, let alone longer? Don’t let these professional thieves profit on the car you count on to get you to all the places you need to go.
Layer #1 – Common Sense
An unlocked vehicle with a key in the ignition is an open invitation to any thief, regardless of which anti-theft device you use. The common sense approach to protection is the simplest and most cost-effective way to thwart would-be thieves.
Secure your vehicle even if parking for brief periods. You should always:
•Remove your keys from the ignition
•Lock your doors/close your windows
•Park in a well-lit area
Layer #2 – Warning Device
The second layer of protection is a visible or audible device which alerts thieves that your vehicle is protected.
Popular second layer devices include:
•Audible alarms
•Steering column collars
•Steering wheel/Brake pedal lock
•Brake locks
•Wheel locks
•Tire locks/Tire deflators
•Theft deterrent decals
•Identification markers in or on vehicle
•Window etching
•Laminated glass
Layer #3 – Immobilizing Device
The third layer of protection is a device which prevents thieves from bypassing your ignition and hot-wiring the vehicle.
Some electronic devices have computer chips in ignition keys. Other devices inhibit the flow of electricity or fuel to the engine until a hidden switch or button is activated.
Popular third layer devices include:
•Smart keys
•Fuse cut-offs
•Kill switches
•Starter, ignition and fuel disablers
Layer # 4 – Tracking Device
The final layer of protection is a tracking device which emits a signal to a police or monitoring station when the vehicle is reported stolen. Tracking devices are very effective in helping authorities recover stolen vehicles.
Passive and Active Anti-Theft Systems.
Passive and active anti-theft devices are the two options available when considering an anti-theft system. Passive devices automatically arm themselves when the vehicle is turned off, the ignition key removed, or a door is shut. No additional action is required. Active devices require some independent physical action before they are set, such as pushing a button, or placing a "lock" over a vehicle component part. This physical action must be repeated every time the anti-theft device is set or it will not function.
We can’t predict the future, but we can help safeguard the cars that we count on. Add a layer to your vehicle protection today!
Data is from the National Insurance Crime Bureau (NICB); and list is based on the February 26, 2004 release of comprehensive 2002 vehicle data. Visit www.nicb.org for more information.
WEBSITE:
http://www.tampabayautonetwork.com/
TWITTER:
http://twitter.com/TmpAutoNtwrk
YOU TUBE:
http://www.youtube.com/user/TampaBayAutoNetwork
Monday, November 2, 2009
What a DUI Will Do To Your Auto Insurance Rates
As if the cost of a life and emotional devastation isn't enough to serve as a deterrent for not drinking and driving, few drivers realize the financial impact they will endure if convicted of operating a motor vehicle while under the influence (DUI). Unfortunately, even the most "regular" people continue to take the calculated risk of driving after a few drinks with delusions of sobriety. If you're a driver who tends to gamble in this situation, are you prepared to cough-up $10,828 in total costs?
DUI's Impact on Car Insurance
All emotions aside: a DUI dramatically increases the degree of risk an insurance company assumes in order to underwrite your car insurance policy. After a DUI, you will be categorized as a high risk driver and can expect your current premiums to double-if your carrier doesn't just simply non-renew your policy.
MADD (Mothers Against Drunk Driving) reports that the average first time DUI offender can expect his/her car insurance rates to range between $3,600 and $6,600 a year. Depending on how long a DUI remains on your state's driving record, these rates are known to continue for up to 7 years. Furthermore, any additional accidents and tickets (past or future) can easily make the situation exponentially more difficult-tripled insurance costs!
Additional Costs of a DUI
Unless you live in a major city, there really is no substitute to driving. From the perspective of life's real world priorities, being able to drive ranks just below air, water, food, and shelter. Salvaging this privilege after a DUI though involves more than just expensive car insurance rates. Depending on the state you live in, additional costs can include:
•Towing: $300 - $1,200
•Bail: $250 - $2,500
•Fines and Court Fees : $500 - $2,500
•Attorney Fees (average): $2,500
•Mandatory Education and Treatment: $350 - $2,000
•Electronic Home Monitoring: $150 - $2,250
•Ignition Lock: $730 - $2,800
What the above estimates fail to account for the number of hours it takes to satisfy all the corresponding obligations. Time spent in court, at classes and treatment, restitution services, and even jail time can turn a person's world upside-down. Interestingly, states like Washington make matters more complicated by automatically suspending driving privileges for 90 days upon the first offence. Think of how you would even get to court?
Furthermore, since a DUI is criminal offence, your driving record will be complemented by a criminal record. If your vocation values the integrity of such a mark (medical, transportation, finance, etc.) finding a new job can become as complicated as finding affordable car insurance.
Affordable Car Insurance After a DUI?
Although a DUI is a mistake that ravishes a person's finances, it is possible to bounce back after a conviction. Every day that passes after your DUI conviction can lower your rates, because older charges have less of an impact on your risk profile, especially if you were a teenager or young adult at the time of your conviction. More so than any other driver, you should shop around for lower rates. Although you won't have as many options, don't fall into the trap of signing on with the first company that approves your application. Conduct research, compare quotes, and make a careful decision. In the meantime, take a conservative approach to driving and don't get any tickets or become involved in accidents.
Unfortunately, organizations like MADD exist because people continue to take the risk of driving under the influence. Nearly 17,000 people died in DUI related car accidents in 2005 alone. If this doesn't deter you, then maybe the $10,828 total out-of-pocket expenses for a first-time offender will.
WEBSITE:
http://www.tampabayautonetwork.com/
TWITTER:
http://twitter.com/TmpAutoNtwrk
YOU TUBE:
http://www.youtube.com/user/TampaBayAutoNetwork
DUI's Impact on Car Insurance
All emotions aside: a DUI dramatically increases the degree of risk an insurance company assumes in order to underwrite your car insurance policy. After a DUI, you will be categorized as a high risk driver and can expect your current premiums to double-if your carrier doesn't just simply non-renew your policy.
MADD (Mothers Against Drunk Driving) reports that the average first time DUI offender can expect his/her car insurance rates to range between $3,600 and $6,600 a year. Depending on how long a DUI remains on your state's driving record, these rates are known to continue for up to 7 years. Furthermore, any additional accidents and tickets (past or future) can easily make the situation exponentially more difficult-tripled insurance costs!
Additional Costs of a DUI
Unless you live in a major city, there really is no substitute to driving. From the perspective of life's real world priorities, being able to drive ranks just below air, water, food, and shelter. Salvaging this privilege after a DUI though involves more than just expensive car insurance rates. Depending on the state you live in, additional costs can include:
•Towing: $300 - $1,200
•Bail: $250 - $2,500
•Fines and Court Fees : $500 - $2,500
•Attorney Fees (average): $2,500
•Mandatory Education and Treatment: $350 - $2,000
•Electronic Home Monitoring: $150 - $2,250
•Ignition Lock: $730 - $2,800
What the above estimates fail to account for the number of hours it takes to satisfy all the corresponding obligations. Time spent in court, at classes and treatment, restitution services, and even jail time can turn a person's world upside-down. Interestingly, states like Washington make matters more complicated by automatically suspending driving privileges for 90 days upon the first offence. Think of how you would even get to court?
Furthermore, since a DUI is criminal offence, your driving record will be complemented by a criminal record. If your vocation values the integrity of such a mark (medical, transportation, finance, etc.) finding a new job can become as complicated as finding affordable car insurance.
Affordable Car Insurance After a DUI?
Although a DUI is a mistake that ravishes a person's finances, it is possible to bounce back after a conviction. Every day that passes after your DUI conviction can lower your rates, because older charges have less of an impact on your risk profile, especially if you were a teenager or young adult at the time of your conviction. More so than any other driver, you should shop around for lower rates. Although you won't have as many options, don't fall into the trap of signing on with the first company that approves your application. Conduct research, compare quotes, and make a careful decision. In the meantime, take a conservative approach to driving and don't get any tickets or become involved in accidents.
Unfortunately, organizations like MADD exist because people continue to take the risk of driving under the influence. Nearly 17,000 people died in DUI related car accidents in 2005 alone. If this doesn't deter you, then maybe the $10,828 total out-of-pocket expenses for a first-time offender will.
WEBSITE:
http://www.tampabayautonetwork.com/
TWITTER:
http://twitter.com/TmpAutoNtwrk
YOU TUBE:
http://www.youtube.com/user/TampaBayAutoNetwork
Sunday, November 1, 2009
Tips - Shopping for a Used Car Online
With so much content and information available online today, the Internet is making it easier than ever for prospective buyers to shop for a used vehicle. The following tips may be helpful for shoppers in the market for a used vehicle and may help improve satisfaction with their used-vehicle purchase experience.
1. Visit a variety of Web sites. With an abundance of information available online for used-vehicle shoppers, it’s helpful to know where to find what you’re looking for. Independent sites are good places to find intuitive search tools that match shoppers with the right vehicle for their needs, as well as pricing and reliability information. Dealerships often maintain sites that provide their current vehicle inventories, while many manufacturer sites allow shoppers to search for certified pre-owned vehicles in their area.
2. Search for comparative used-vehicle pricing. The development of Web sites such as Kelley Blue Book (kbb.com), N.A.D.A. (nada.com), AutoTrader.com and Edmunds.com have made searching for used-vehicle pricing information easy. Using these sites to compare prices will give shoppers a general idea of their desired vehicle’s price range without leaving the comfort of their homes. Note: kbb.com is an Official Value Guide for the West Coast. The Official Value Guide for the East Coast is nada.com .
3. Consider online classified ads. Online classified ads sites such as AutoTrader.com and cars.com are a competitive and convenient tool to give shoppers more options when considering a used vehicle. These sites allow sellers to post used-vehicle listings along with several pictures that can be viewed easily by shoppers, based on their preferred zip code.
4. Purchase or ask for a Vehicle History Report. Vehicle History Reports (VHRs) are an inexpensive way to check the track record of any used vehicle. More than 33% of automotive Internet users receive a free vehicle history report from the seller. If your dealer or private seller does not offer a VHR, be weary of the vehicle. Before you spend the money on the VHR yourself, contact us, we have an unlimited Carfax Subscription and we'll pull the Report for you free of charge.
5. Search for financing and compare interest rates online. When shoppers have financing arranged ahead of time, it often gives them greater negotiating power when dealing with the seller.
WEBSITE:
http://www.tampabayautonetwork.com/
TWITTER:
http://twitter.com/TmpAutoNtwrk
YOU TUBE:
http://www.youtube.com/user/TampaBayAutoNetwork
1. Visit a variety of Web sites. With an abundance of information available online for used-vehicle shoppers, it’s helpful to know where to find what you’re looking for. Independent sites are good places to find intuitive search tools that match shoppers with the right vehicle for their needs, as well as pricing and reliability information. Dealerships often maintain sites that provide their current vehicle inventories, while many manufacturer sites allow shoppers to search for certified pre-owned vehicles in their area.
2. Search for comparative used-vehicle pricing. The development of Web sites such as Kelley Blue Book (kbb.com), N.A.D.A. (nada.com), AutoTrader.com and Edmunds.com have made searching for used-vehicle pricing information easy. Using these sites to compare prices will give shoppers a general idea of their desired vehicle’s price range without leaving the comfort of their homes. Note: kbb.com is an Official Value Guide for the West Coast. The Official Value Guide for the East Coast is nada.com .
3. Consider online classified ads. Online classified ads sites such as AutoTrader.com and cars.com are a competitive and convenient tool to give shoppers more options when considering a used vehicle. These sites allow sellers to post used-vehicle listings along with several pictures that can be viewed easily by shoppers, based on their preferred zip code.
4. Purchase or ask for a Vehicle History Report. Vehicle History Reports (VHRs) are an inexpensive way to check the track record of any used vehicle. More than 33% of automotive Internet users receive a free vehicle history report from the seller. If your dealer or private seller does not offer a VHR, be weary of the vehicle. Before you spend the money on the VHR yourself, contact us, we have an unlimited Carfax Subscription and we'll pull the Report for you free of charge.
5. Search for financing and compare interest rates online. When shoppers have financing arranged ahead of time, it often gives them greater negotiating power when dealing with the seller.
WEBSITE:
http://www.tampabayautonetwork.com/
TWITTER:
http://twitter.com/TmpAutoNtwrk
YOU TUBE:
http://www.youtube.com/user/TampaBayAutoNetwork
What Impacts Auto Insurance Costs?
We all know that there are many factors that can affect your auto insurance costs. Some of the more obvious determinants are:
•Gender and Age. Young male drivers are typically the most expensive to insure, especially if they have any type of mark on their driver's record.
•Driving Record. Tickets, accidents, being caught driving while under the influence of drugs or alcohol…they all add up and translate into higher auto insurance costs.
•Miscellaneous Discounts. If you are a good student, if you have safety features installed on your car, if you have low mileage on your car, if you are a senior, if you are in the military…all of these can mean discounts on your auto insurance costs. But, did you know that where you live and what you drive may also impact your auto insurance costs?
Location, Location, Location
It's a fact, auto insurance rates in rural communities are almost always lower than those in large urban centers. Accidents tend to happen much more frequently in big cities, usually due to the high amount of cars on the road (AKA: Traffic!)
Certain states have higher insurance rates than others due to the percentage of claims filed. States like New Jersey, Washington D.C., New York and Massachusetts typically have the highest average insurance rates.
It can also cost more to settle claims in certain areas, and this can add to the cost of your insurance premiums. Expensive cars cost more to repair or replace, and wealthy urban communities will sometimes have higher average insurance rates.
Pick a Low-Profile, Safe Vehicle
How your vehicle holds up in a crash is also important to auto insurance companies. Think about it, the more a vehicle costs to repair after a crash, the more auto insurance companies will have to pay out. If there are certain vehicles that tend to be involved in more accidents, tend to incur more damage and involve more bodily harm to passengers when in those accidents, it is safe to assume those vehicles will cost more to insure. Vehicles such as sports cars and some SUVs tend to rate lower in terms of crashworthiness, and therefore carry higher insurance rates.
Another important factor is whether or not your vehicle is on the list of those most frequently targeted for theft. Non-profit organizations such as the National Insurance Crime Bureau (NICB) and the Highway Loss Data Institute (HLDI) track the most commonly stolen vehicles. The NICB lists tend to track all vehicles on the road (often meaning the most popular cars are those most commonly stolen), while the HLDI tracks results based on the number of insured vehicles on the road (meaning those with higher theft claims top the list). The NICB lists the five most commonly stolen vehicles in the U.S. in 2001 as the Toyota Camry, the Honda Accord, the Honda Civic, the Oldsmobile Cutlass/Supreme/Ciera and the Jeep Cherokee/Grand Cherokee. The HLDI list the five vehicles with the highest theft claim frequencies in 2001 as the Acura Integra, the Jeep Wrangler, the Jeep Cherokee 4WD, the Honda Prelude and the Mitsubishi Mirage.
Basically, all these cars will most likely be more expensive to insure. Make sure you check out the insurance costs of a particular vehicle before purchasing it.
If your car is stolen, make sure to contact the police right away. Have information such as the year, make and model of your vehicle, your license plate number, the VIN (vehicle identification number), where the theft occurred and what time of the day. Next, you should inform your insurance company that the car was stolen. The more quickly you do this, the more quickly they can get started on processing your claim.
Conclusion
Along with the obvious factors about you, the person to be insured, other factors about your vehicle type and where you live are likely to affect your auto insurance costs. Make sure to compare quotes before purchasing an insurance plan, and find one that best suits you, your vehicle, and your locale.
WEBSITE:
http://www.tampabayautonetwork.com/
TWITTER:
http://twitter.com/TmpAutoNtwrk
YOU TUBE:
http://www.youtube.com/user/TampaBayAutoNetwork
•Gender and Age. Young male drivers are typically the most expensive to insure, especially if they have any type of mark on their driver's record.
•Driving Record. Tickets, accidents, being caught driving while under the influence of drugs or alcohol…they all add up and translate into higher auto insurance costs.
•Miscellaneous Discounts. If you are a good student, if you have safety features installed on your car, if you have low mileage on your car, if you are a senior, if you are in the military…all of these can mean discounts on your auto insurance costs. But, did you know that where you live and what you drive may also impact your auto insurance costs?
Location, Location, Location
It's a fact, auto insurance rates in rural communities are almost always lower than those in large urban centers. Accidents tend to happen much more frequently in big cities, usually due to the high amount of cars on the road (AKA: Traffic!)
Certain states have higher insurance rates than others due to the percentage of claims filed. States like New Jersey, Washington D.C., New York and Massachusetts typically have the highest average insurance rates.
It can also cost more to settle claims in certain areas, and this can add to the cost of your insurance premiums. Expensive cars cost more to repair or replace, and wealthy urban communities will sometimes have higher average insurance rates.
Pick a Low-Profile, Safe Vehicle
How your vehicle holds up in a crash is also important to auto insurance companies. Think about it, the more a vehicle costs to repair after a crash, the more auto insurance companies will have to pay out. If there are certain vehicles that tend to be involved in more accidents, tend to incur more damage and involve more bodily harm to passengers when in those accidents, it is safe to assume those vehicles will cost more to insure. Vehicles such as sports cars and some SUVs tend to rate lower in terms of crashworthiness, and therefore carry higher insurance rates.
Another important factor is whether or not your vehicle is on the list of those most frequently targeted for theft. Non-profit organizations such as the National Insurance Crime Bureau (NICB) and the Highway Loss Data Institute (HLDI) track the most commonly stolen vehicles. The NICB lists tend to track all vehicles on the road (often meaning the most popular cars are those most commonly stolen), while the HLDI tracks results based on the number of insured vehicles on the road (meaning those with higher theft claims top the list). The NICB lists the five most commonly stolen vehicles in the U.S. in 2001 as the Toyota Camry, the Honda Accord, the Honda Civic, the Oldsmobile Cutlass/Supreme/Ciera and the Jeep Cherokee/Grand Cherokee. The HLDI list the five vehicles with the highest theft claim frequencies in 2001 as the Acura Integra, the Jeep Wrangler, the Jeep Cherokee 4WD, the Honda Prelude and the Mitsubishi Mirage.
Basically, all these cars will most likely be more expensive to insure. Make sure you check out the insurance costs of a particular vehicle before purchasing it.
If your car is stolen, make sure to contact the police right away. Have information such as the year, make and model of your vehicle, your license plate number, the VIN (vehicle identification number), where the theft occurred and what time of the day. Next, you should inform your insurance company that the car was stolen. The more quickly you do this, the more quickly they can get started on processing your claim.
Conclusion
Along with the obvious factors about you, the person to be insured, other factors about your vehicle type and where you live are likely to affect your auto insurance costs. Make sure to compare quotes before purchasing an insurance plan, and find one that best suits you, your vehicle, and your locale.
WEBSITE:
http://www.tampabayautonetwork.com/
TWITTER:
http://twitter.com/TmpAutoNtwrk
YOU TUBE:
http://www.youtube.com/user/TampaBayAutoNetwork
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