Tips to Help You Find the Cheapest Car Insurance

First of all, you need to understand and accept the fact that the cheapest car insurance may not be the one with the best price. Car insurance is like anything else. You pay more for more coverage. Most people understand that concept when they go to the grocery store. If a 32-ounce bottle of ketchup costs more than a 20 ounce bottle, it’s understandable. You get more ketchup. The same is true for car insurance because it is using the exact same principle.

If you have liability limits that pay up to $300,000 you get more coverage than a policy that only pays $100,000. The problem arrives when two different companies use two different ways to express the coverage. One uses single limit and it shows as 300,000 and the other uses a split limit shown as 100/300/25. Which gives you more? The split limit does if three or more people are injured and there’s $25,000 worth of property damage. The single limit does if only one person is injured and it costs more than $100,000 for their medical care, or if the property damage is more than $25,000. When you compare split limit to single limit, get a close to comparable quote like 300/300/50. Never accept insurance with lower limits of liability and expect it to be the cheapest car insurance because the price is lower. You simply just got less converge and may have paid more per thousand. It’s just like the ketchup example used above.

If you’re looking for the cheapest car insurance be aware of your deductibles. Most auto accidents don’t total out the car. There are many smaller claims that insurance clients never report because the amount is less than the deductible. The higher your deductible, the less likely the company has to pay a claim. When you look for the cheapest car insurance make certain that the quote you received has the same deductible for both comp and collision as your present policy does. If you don’t, you aren’t comparing the same things. The car insurance company knows that they have fewer claims and less paperwork if your deductible is higher and they obviously don’t have to pay the additional money that you’d collect if you had the lower deductible. The insurance company adjusts the premium based on those facts.

See if your uninsured/underinsured motorist coverage is the same. This liability section covers you, your vehicle and your passengers if the other driver doesn’t have insurance. You want the same coverage that you’d offer the other party if you were at fault. This should also be the same for all quotes so you actually can find the cheapest car insurance.

Watch out for those additional coverages. You may have towing or rental reimbursement and your quote from the new company doesn’t list it. These two coverages cost premium dollars and if omitted, of course the price is cheaper.

If you find the cheapest car insurance and decide that you want to switch companies, always apply a month before your insurance runs out and make the date it starts coincide with the day your coverage runs out. This gives the underwriters, the people who give the final rate, a chance to look over your record and make that decision. The representative that quoted the rate could error or forget important information that the underwriter finds later, and then your rate will go up based on the new facts that the underwriter found. The final price may not be the cheapest car insurance and you may want to keep the coverage you already have and cancel the other one before it takes effect.

The Best Places to Show Off Your Car

With so many cars on the road these days, we see the familiar shapes and colours drifting into each other and become just one more mundane car. But for groups of auto enthusiasts, a car means so much more than something to get from A to B, it is a way of showing your personality, or of bringing something back to life, or even a piece of art.

These small groups of people around the country spend hours, days and even years creating their own private masterpieces and gain immense pride from the slightest complement to all their hard work, not to mention the thousands of dollars they spend in the process. So where are the best places to go to see these custom cars?

Many owners are members of clubs which organise runs or tours to a specific point where they will stop for breakfast, lunch or even just the scenic outlook, and most are happy for the public to take a look around their vehicles.

Another common type of event which are increasing in frequency is the Car ‘Show N Shine’ an organised even usually held in a public park or sports ground where a large number of different types cars will convene to compete for a ‘Best of Show’ title. The public are usually granted admission to such event for a small fee, and are able to browse the vehicles for a few hours.

An increasingly popular event is the regular Friday or Saturday Night Cruise where a large number of different vehicles will meet at a set point, these type of meets are not officially conducted by any one group and tend to grow with popularity through word of mouth, and the standard of vehicles attending varies widely.

One of the newer concepts is the ‘MySpace’ type webspace, whereby users devote their own webpage to their vehicle, and are also able to interact with their friends via galleries, forums and chatrooms. These webpages are becoming increasingly popular as Gen Y become increasingly interested in the scene and are boosting their usage.

Of course, all these different sorts of events and clubs may attract different sets of people, so if you are interested in the custom car scene, it is well advisable to look at each of these avenues and explore which best suits you.

And please remember, these people have put a lot of work into their vehicles, so please admire them and remember to respect them at all times.

Get Salvage Cars At A Fraction Of Their Real Price

The world’s replete with car lovers who get the ultimate high as they position themselves behind the steering wheel of their favorite car. This spirited lot will be glad to know that there now exist auction sites, which sell all kinds of automobiles to their bidders. Visit any such site and you will be overawed by the different types of machines that will be lined up to go under the hammer. There are prime attractions in the form of SUVs, Classic Cars, ATVs (All Terrain Vehicles) and RVs (Recreational Vehicles).

Salvage Cars and their different categories

Auction sites also give their bidders the privilege to consider their preferences by sorting the cars out as per their brands. A leading auction site shall have all the leading brands like Audi, Buick, BMW, Chevrolet, Chrysler, Ford, GMC, Hyundai, Mercedes Benz, Mazda,, Nissan, Toyota, Volvo and Volkswagen.

The categorization does not end here. Cars are also divided into different categories in accordance with their efficiency and condition. So, on one hand, there will be convertibles and roadsters that have incurred very little damage and on the other, there will be those that will have salvage titles affixed to them and will be sold at unbelievably low prices. If you are willing to get all the bulky repair work done on your own, you could well be tempted into buying a salvage car for yourself. Auction sites have no dearth of sources that readily furnish different kinds of salvage cars. While some may have been impounded or recovered from theft, others could have incurred damages through flood, hail storms, etc.

Auctioning of Salvage Cars

As mentioned before, salvage cars can come at extremely reasonable prices. If you have excellent repair skills, you could possibly get your dream car at the fraction of a new car’s price. The thrill of getting such a car can perhaps find a match in the excitement of entering an auction and making as many bids as possible. However, as you think of purchasing a salvage car, your mind may start to doubt whether the car will actually be good enough to take on the road. salvage auto auction sites understand this hesitation of bidders. So, they show no objection if a bidder brings a third party to inspect a salvage car before it is eventually taken home.

Auction sites, in fact, believe in going all out for their bidders who are spared the trouble of taking their vehicle home on their own. The arrangements for shipment are done by the auction site itself.

Bidders likely to get hooked on SUVs

Salvage cars come in different varieties and the bidders of an auction could easily get attracted to SUV’s. The best SUV’s in the United States include the Toyota RAV4, Honda CR-V, Ford Escape, Chevrolet Equinox and the Ford Explorer, and these are likely to be available on car auction sites. If you are lucky enough, you can place bids on SUV’s of different models, makes, colors and price ranges. Again, if you have what it takes to completely rebuild an SUV, the world’s your oyster. Visit a trusted auction site and you will see multiple images of any SUV that you wish to buy. Zoom in on the images and see them from different angles.

To say that this entire concept of selling different types of cars through auction is exciting is an understatement. Think about it! You can get just about any car that you are fond of at just the fraction of the real price and after you have renovated it, you can continue using it until your preferences change again.