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
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Showing posts with label tampa bay auto network. Show all posts
Showing posts with label tampa bay auto network. Show all posts
Wednesday, November 4, 2009
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
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.
WEBSITE:
http://www.tampabayautonetwork.com/
TWITTER:
http://twitter.com/TmpAutoNtwrk
YOU TUBE:
http://www.youtube.com/user/TampaBayAutoNetwork
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.
WEBSITE:
http://www.tampabayautonetwork.com/
TWITTER:
http://twitter.com/TmpAutoNtwrk
YOU TUBE:
http://www.youtube.com/user/TampaBayAutoNetwork
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.
WEBSITE:
http://www.tampabayautonetwork.com/
TWITTER:
http://twitter.com/TmpAutoNtwrk
YOU TUBE:
http://www.youtube.com/user/TampaBayAutoNetwork
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.
WEBSITE:
http://www.tampabayautonetwork.com/
TWITTER:
http://twitter.com/TmpAutoNtwrk
YOU TUBE:
http://www.youtube.com/user/TampaBayAutoNetwork
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".
WEBSITE:
http://www.tampabayautonetwork.com/
TWITTER:
http://twitter.com/TmpAutoNtwrk
YOU TUBE:
http://www.youtube.com/user/TampaBayAutoNetwork
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".
WEBSITE:
http://www.tampabayautonetwork.com/
TWITTER:
http://twitter.com/TmpAutoNtwrk
YOU TUBE:
http://www.youtube.com/user/TampaBayAutoNetwork
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!
WEBSITE:
http://www.tampabayautonetwork.com/
YOU TUBE:
www.YouTube.com/user/TampaBayAutoNetwork
TWITTER:
http://twitter.com/TmpAutoNtwrk
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!
WEBSITE:
http://www.tampabayautonetwork.com/
YOU TUBE:
www.YouTube.com/user/TampaBayAutoNetwork
TWITTER:
http://twitter.com/TmpAutoNtwrk
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