Tips and Tricks for Saving on Auto Insurance

Finding the best auto insurance rates can sometimes be tricky. It is absolutely necessary to be insured on the roads, though. In fact, it is required, by Illinois state law to have coverage. Some find auto insurance to be extremely expensive but, there are ways to help make it more affordable. Here are some things to consider to find the ideal price of insurance.

Shop Around

Get quotes from multiple insurance companies, including different types of companies. Also, realize that the lowest number does not mean the cheapest.

Consider Insurance While Shopping for Cars

Some vehicles have lower reliability ratings and other factors that contribute to higher premiums. While researching cars it is important to compare potential premiums for each of your options to ensure you are getting the best deal.

Increase Deductible

By increasing your deductible, you can decrease your premium. Just be sure that the deductible is manageable for your budget and that you have enough money saved in case you need to file a claim.

Bundle Insurance

If the insurance agency that you choose offers bundling, take advantage of it. If not, try to stay with the same company for all of your insurance needs. This results in discounts in most cases.

Keep Good Credit

Having good credit helps lower insurance rates. Researchers have found a significant relationship between your credit score and amount of claims filed. Insurance companies tend to rely on this correlation to define your financial responsibility.

Low Mileage Discounts

Research mileage averages and see if you fall below that. Do not be afraid to ask about a low mileage discount. This discount could also apply to you if you are someone who carpools.

Group Insurance

Some people fall into the category of people who receive insurance from their employer or other groups they belong to. Some insurance providers offer discounts on auto insurance to people who fall into this category.

Other Discounts

Ask your agent if there are any additional discounts you are qualified for based on certain qualities such as how you drive, etc.

Purchase 10+ days before you actually need it

By purchasing coverage before you need to use it helps drive down premium costs.

Pay in Full Up Front

If possible pay in full, rather than setting up a payment plan. The amount you save annually will add up.

Get New Policy When You Move

Especially out of state! Some states have significantly higher insurance rates than others.

Older Cars

Buying a brand new car, just released is exciting, but if your priority is lower insurance premiums it is better to purchase models that are 5+ years old. They are considered more reliable.

VIN Number for Quotes

The purpose of this is to see if you are eligible for a discount if you have anti-theft devices.

Go Paperless

Some companies value using less paper and offer a small discount to those who opt out of using paper which is not hard to do in this age if technology. It is a small offering, but it adds up.

Insurance Vocabulary

Be sure to understand what the verbiage means so that you have a good idea of what you actually need covered and what questions you need to ask your agent.

Automatic Billing

This is another way to save over time, similar to going paperless.

Education

Some insurers offer discounts based off of the level of education you have. For example, some offer discounts for college graduates.

Teen Drivers

Teen drivers are known to drive up insurance costs, since they are more accident prone. But, if they are in a college that is 100+ miles away without a car some insurers allow them to be temporarily taken off of the plan. Additionally, most companies offer a “good student” discount implying that they correlate this test of intelligence with responsible driving habits. Proof of a safe driving class can also save some money on teen auto insurance.

Change Insurance When Lifestyle Changes

If you expect to drive less due to retirement or other factors, report this to your insurer. This can reduce the amount that you have to pay for insurance.

Most importantly, be aware of your needs and form a relationship with your insurance agent. Awareness is the first step towards savings.

Beneficial Tips To Use As You Purchase Your Next Auto

Everyone loves a new car, but almost no one enjoys shopping for one. Knowledge makes it more enjoyable, though. Going through the tips here is a great place to begin. Don’t let a salesperson talk you into buying a vehicle you can’t afford. Many people get hoodwinked into buying a sports car because salespeople say the person looks good in it. Remember, the salesperson is after a commission.

Make sure you do some research on a dealer prior to making an offer. If you are familiar with their financing choices and trade-in policy in advance, you will negotiate from a stronger position. Also, knowing about the customer reviews will assist you in avoiding getting scammed. Never pay full price for a car. This number is not an accurate reflection of what each dealer believes it can get from you. Bring a friend that is a good negotiator if that is not your strong point. Have a ballpark figure in mind before you go.

Test the merchandise before you buy. This will give you a feel of how good the car drives. It’s possible that the vehicle has some defect or issue that might affect the way it handles on the road. When you are looking for a car to purchase, make sure that any vehicle you consider is equipped with the latest safety features. The brakes and suspension are two things to take into account when car shopping. Check for air bags too, in the event of an accident. Safety is important since you will be in this vehicle a lot. Bring someone with you when you are shopping for a car. Have a friend or family member go with you to assist in asking the important questions and negotiating a price. Brief your companion on your vehicle needs and how much you have available to spend.

Put the Internet to work for you. There is a wide variety of cars and car information available online. Find out all you are able to about the cars you are interested in before you go and look at them. By researching online, you can find specs, gas mileage data, resell value, ratings and almost any other information that you desire. Few things are as exciting and overwhelming as the process of trying to find a new vehicle. The Internet is often your best friend in this situation. You can look up a variety of vehicles and compare prices right from your home. Many online sites offer side-by-side comparisons and other features to guide you through the selection process. This will help you to figure out what cars you should actually go out and visit a dealership to test drive.

Be cautious about giving out your social security number. It is common for car dealers to ask for this right away and use it to pull your credit. If you do not purchase a vehicle at this dealership, then your chances of obtaining the best deal at another dealership can be damaged because the credit run will be shown. Make sure the deal is ready before you start spouting out your Social. Most people would agree that buying a car is not their favorite activity. Actually, with preparation and the right mindset, you can shop for a car, truck or SUV with relatively little stress.

7 Tips for Buying Used Auto Parts

Getting a car repaired can be a frustrating process. Since we need our cars on a daily basis, we want to do everything we can so that it is fixed quickly and inexpensively. For those on a budget, purchasing a used part makes sense. In many cases, it will do the job just as well as a new part but can save you a significant amount of money. The cost of labor alone will be plenty. Purchasing a used auto part is also good for the environment. By recycling the car part it’s one less item that ends up in a junk yard or landfill. Used auto parts are largely available and relatively easy to obtain but many people are still unaware of the steps that they should take before purchasing and can make some avoidable mistakes. Below are 7 tips for buying used auto parts:

Do Your Research

For someone that doesn’t know much about cars it’s easy to confuse one part with another. Know exactly what part it is that you need and research how much it typically costs. If possible, bring the car part with you to find an exact match.

Scope out the Providers

There are numerous options when purchasing used auto parts. You can buy directly from a junkyard, have your mechanic find used parts for you, or purchase the parts online. Ask around and get recommendations. Check out the businesses online to see if you find any scams or negative feedback. You don’t want to buy used auto parts from a shady company.

Ask about Return/Exchange Policies

There is always a risk factor when buying anything used. You don’t want to buy a part only to have it not work properly. It’s important to feel comfortable knowing that there is a clear return/exchange policy and some kind of warranty. Have a firm understanding of the warrantee before making a purchase. You don’t want to get scammed because you didn’t read the fine print. If they don’t even offer a warranty, find a different place that will.

Get the Part History

How old is the part? How many miles the previous car go? This information can help guide your decision.

Consider Safety

While numerous used car parts are just fine, think twice about parts that directly correlate with safety, especially if you are often driving around passengers and small children. Some parts are best to purchase new.

Think About Color Match

This mostly pertains to body parts that are seen on the outside. While a part might fit perfectly, it may not be the right color and it may be difficult, if not impossible, to paint or stain it so that it matches. While some may not be worried about this, for others this would be a deal breaker.

You Don’t Have to Go to the Big Guy

Sure there are plenty of well known national chains that sell used auto parts, but they are likely more expensive and the parts have the same quality as those that you would find at a neighborhood yard or a smaller retailer online. Do your research and compare prices. Some yards may even be willing to negotiate a price with you.

Tips For Buying Auto Parts Online

The Internet is a wonderful place for buying many things. You will often have access to options that you never knew existed. You will also have many more choices and can often find a better deal on items online than in a brick and mortar store. One area of items that are advantageous to buy online are auto parts. With the ability to search millions of websites and many different stores, you may be much more likely to find the right part for even the most obscure type of vehicle online than in the offline world. You may also find a better price at the same time.

Here are a few tips for buying auto parts online:

Major Stores

Pretty much every major auto parts store has an online version, where you can search their entire nationwide database for parts availability, order the part and have it sent to you wherever you are. It’s highly convenient and makes it easy to compare prices. Some major chains that have sites include, NAPA Online, Advance Auto Parts, Auto Parts Warehouse, AutoZone, CARQUEST, Pep Boys and many more. Nearly all of them offer online search and shopping options. Some of them even offer a low price guarantee on certain parts and provide you with news, information, rebate deals and special online only deals.

Manuals & Auto Repair Information

There are many resources online that may help you install your auto part. Check out 10w40 for manuals and information for many makes and models of vehicles.

Auto Forums

You can find information on your make or model of vehicle as well as ask questions and get answers about repairing and maintaining it. You will also be able to talk with other auto enthusiasts. Some popular auto forums are Automotive Forums, AutoForums, CarForums, Autoforum Universe and the forums at Automotive. You may be able to get advice on where the best place to get parts is for your specific make and model. There are also forums available for specific makers which should also have excellent information on where to get parts.

Books

You can easily order any of the auto repair manuals you need online at Amazon or Barnes & Noble. This may be more convenient for people who don’t have a bookstore or auto parts store near them. The most popular and reliable publishers of auto manuals are Chilton’s and Hayne’s. Buying the manual online, you may be able to save money by comparing prices at numerous book sellers, you can use AddAll to do this.

Auctions

Auction are a great place to search for your auto parts and eBay Motors is where you will want to begin your auction search. Currently there are a staggering 546190 listings on eBay Motors under Car & Truck Parts alone. You will want to drill down to the specific category for your desired part, then try to narrow the search under that category.

More Tips

Make use of the many price comparison search engines, coupon code sites and be sure to watch out for shipping costs. Some sites, such as Autopartswarehouse offer free shipping, so be sure to take advantage of those offers.

In summary, buying auto parts online has many advantages, from better availability, to the ability to compare prices much more easily to the wealth of auto repair and maintenance information at your fingertips.

How to Purchase a Used Automobile: Tips From the Auto Insurance Guys

These days, purchasing a new car requires a lot of money. For those looking for another option due to the financial output, shopping for a used car may be a good bet. Of course, a previously owned car, no matter how sleek and shiny may have hidden disadvantages.

Below find tips from some finely-tuned insurance professionals on how to go about the task of shopping for a used car.

8 Ways to Get a Good Deal on a Previously-Owned Car

• Decide How Much You Can Spend on the Purchase

Prior to shopping around for a good used car, do a personal financial tally. Then focus only on buys you can afford – whether via financing or full payment method.

• Choose the Right Kind of Vehicle

Unmarried people without kids do not need a big car. On the other side of the coin, married folks with children in tow could use a larger car. Recreational drivers, long-distance drivers and city or highway drivers have different needs as well. Assess your individual requirements, then shop for the car that matches them.

• Check Out Prices and Repair Frequency

Look online to determine what you should be paying for car makes and models according to year and usage. This search will also let you know what type of vehicles requires less maintenance work and what type has less mechanical headaches.

• Learn about the Car’s Past

Research a particular car’s history by putting in the Vehicle Information Numbers. This will get you to a full report about past collisions, owners and even recorded maintenance and repair jobs.

• Test the Car out by Taking it for a Spin

Drive your prospective car purchase over a calculated route that includes hills, bumps, curves and highway maneuvering. This way, you’ll get an idea how the overall driving ability is.

• Get a Professional Mechanic’s Opinion

Enlist your favorite mechanic in the decision by hiring him or her to inspect the car for surface problems that a layman like you may not be able to detect.

• Use Your Price-Negotiating Skills

Utilize the knowledge you have gained from all your research on the car to negotiate a price that fairly reflects its true value.

And Last But Surely Not Least

• Don’t Forget About Auto Insurance

Before completing the buying process, speak to an experienced independent insurance agent about insurance for the vehicle. After binding the policy, sign the contract, pay, and you are good to go. No worries about the possibility of no coverage on the road to home!

Now that you have a new (used) automobile take care of it with good maintenance practices and remember to keep driving safety a priority.

Happy driving!