понедельник, 21 февраля 2011 г.

Car Insurance Shopping Tips

As a savvy consumer, you know that it does not pay his homework and shop around for car insurance. Here are some tips to help you save money and might be the right insurance choice.
Do your research
Did you know that the cost of an identical car insurance can vary hundreds of dollars per semester? Review your coverage. Shop around. You could visit car insurance company Web sites or sites that give you the prices for a number of companies. Keep your hands are sites on politics during your visit to car insurance, so you can make a fair comparison. Most sites want to save your insurance quotes, but you can also be printed if you write them offline.
Stay with a guide
Visit CLOCK Best and Standard & Poor's information on the financial strength of the various car insurance policies. What are the benefits and features they offer? At progressive.com, you can learn about car safety view crash test videos, or use our calculator to determine cost of repair.
Five ways to save money on your car insurance
1. Shop Around
This is the most important thing you do to can get the best possible price. A study shows that the Progressive varied costs for a six-month auto insurance policy for the same driver with the same coverages from company to company by more than $ 500. It is wise to shop around and check your coverage to occasionally.
2. Do not carry coverage
Insurance companies pay claims in the amount of a car actual cash value or market value can to keep as comprehensive and collision coverage is not worth an older car that has depreciated. It is generally recommended that you consider collision coverage fall after four years, or when the collision premium equivalent to ten percent of the auto market value. Understand that because you will not be covered on your car for damages if it overturns or collides with another object.
3. Raise Your Deductible
According to the Insurance Information Institute, raising your deductible from $ 200 to $ 500 could reduce your collision and comprehensive costs of 15 to 30 percent.
4. Drop Rental Reimbursement Coverage
Rental reimbursement insurance is the coverage that pay for some or all your car rental costs while your car is being repaired or until you buy a new car. Policies and costs vary for this type of insurance, but there are strict limits on the scope of coverage. If you can find other means of transport for a few days, even though your car is being repaired, is not you may need this coverage.
5. Make sure you accurately reflected Current Policy
It is important to keep the information your insurance company has to update record about you, your car and your driving. You can claim a discount, if you get married, moved to the suburbs, no longer insure a younger driver, installed a burglar alarm, or if it is present at least three years since the last offense.
Why insurance policies vary
One might think that your auto insurance rate would be pretty much the same, no matter which company you choose. But did you know that your car insurance rates can vary widely? even hundreds of dollars? from company to company? The prices for the same ranges vary mainly because of:
Different claims experience. Car insurance is cheap, the cost of accidents that can happen in the future meet. Of course, companies can not see into the future to do so, they use information about its past claims experience. Since each company has different requirements had experience with the groups of people they insure, the rates customers pay vary from different companies.
Different costs of doing business. Each company cost of doing business (like selling too much to pay and service policies), together with their financial goals is different, what to charge different prices to consumers.
In simple words, on auto insurance pricing policy to cover the amount they need, will be treated to:
# Accidents that have occurred;
# Claims salaries, building leases and other claims related to cost and
Sale # Non-claims expenses such as customer service salaries, advertising and price policy.
Remember, it pays to shop around for auto insurance could, because you save hundreds a year. Research your hats – and your business – so you always get the best value for your money.

суббота, 19 февраля 2011 г.

Car Shopping How To Choose A New Car

One thing that a lot of buyers do not realize when they are purchasing a car is that all of the prices are generally based out of the KBB, which is the Kelley Blue Book value. This book will actually tell you exactly how much the car that you are going to buy is worth – that way you can make sure that you are getting a good deal.
After you have done these steps, you want to make sure that you stay within your budget. Setting a budget is a great way to ensure that you do not overspend on the car and honestly – you want to stay within it. Having a budget when it comes to buying a car is also a great way to haggle with any of the dealerships that might be giving you a hard time.
Finally, you want to make sure that you test drive any car before you buy it. That way, you can ensure that you really like it!

How To Choose A Car Power Inverter

A car power inverter allows you to power a normal electrical or electronic device off your car's cigarette lighter. That means you could potentially run a small TV and DVD player on long trips to entertain your kids, charge up your notebooks and cell phones, and even power a hifi or karaoke for an outdoor party. There main type of car power inverter today is the modified sine wave type. This is much cheaper than a true sine wave type, but it means that some electronics devices will not work with it. An additional issue is that newer car power inverters are not made to the same high standard as older devices - older devices almost always produce AC power at 60 Hz, but newer devices produce from 56 Hz to 64 Hz. That means a number of cordless tools, some PowerMac models, some cell phone models, clocks, microwaves, etc will not work off the more popular car power inverters.

You could easily buy a good power inverter for $25 that would meet 70% of your needs, but sometimes you need that extra 30%. This makes buying a car power inverter a task that requires some thought. First, you need to know what electronic or electrical devices you want to run off your car's battery. Then you need to find out how finicky your electronics are concerning their power supply - you need to find out the AC frequencies they need, and whether they need a true sine wave. Then you need to test them with a whole bunch of different power inverters to see which ones work. Also keep in mind that a car power inverter plugged into the cigarette lighter only lets you draw 100 Watts (this will vary with different cars and inverter combinations). Any more than that and you will need to plug it directly to the battery. That means you may need to go to your car mechanic to get it hardwired correctly.

One important point to note when buying a car power inverter is to get one with a cooling fan. This helps to keep the device cool when you use it for an extended period of time. The fan can be noisy, especially in newer luxury cars with good soundproofing, but that is the price you need to pay if you want to use your electronic equipment the whole day long in the car.

A second important point is that most people should only buy car power inverters rated below 500 Watts. Many of those with higher ratings do not plug into the cigarette lighter - they need to be wired directly to the car battery. A more important consideration is that they may suck up so much power that your car battery runs out even when your engine is on. Of course, this is not usually a problem if you only plug in a notebook computer, but it can be a problem if you plug in a large screen TV or a refrigerator (for a camper van or mobile home or during an electrical outage).

The four top makers of car power inverters are:
  • Xantrex
  • Jensen
  • Duracell (most quiet operation, but also most likely to shut down due to overheating)
  • Cobra (better known for inverters over 500 Watts)

Regardless of brand, the power inverters with outputs between 100 Watts and 200 Watts seem to be the most reliable with the fewest complaints. The power inverters rated between 300 Watts and 500 Watts have received complaints that they do not work, and may even damage or burn out the car's electrical system (or at least the cigarette lighter).

So when you choose a car power inverter, keep these points in mind: test the actual unit (not just the demo unit) you want to buy with all the electronics and electrical devices you want to run; you cannot run more than one or two electronic devices off the cigarette lighters of most cars; and choose an inverter with a cooling fan if you intend to use it for long periods of time.