Posted on 11-03-2007
Filed Under (Automotive) by Auto News

Whether to or is often times the first decision that needs to be arrived at before you can actively begin purchasing your next vehicle.

Let’s take a look at some tips, pros, and cons when it comes to making this decision.

First of all, having been in the automotive business for many years, I almost always lean toward finding a good used car that fits what I am looking for. For me, I believe that offer the best value for your dollar. In most cases, you’ll find used car departments are much more used to and willing to negotiate the price that they have posted on the car. From a negotiating standpoint, most used cars won’t have all of those dealer ‘add-ons’ stuck on the window either that will just never do.

In the automotive market, used cars will most certainly come with a lower initial price tag than a comparably equipped new car. And not only will the price be lower, you may also find that so is your cost to insure the used car as well as the tags, and taxes. Depreciation being what it is; means that with a car a couple of years old, the biggest depreciation hit has already occurred. And from a tangible perspective, you may have a better chance of getting those upgrades you’d like to have on the used car that you couldn’t otherwise afford going with the new.

Yet, with all of this, isn’t for everyone. Finding a used vehicle that fits one’s entire car buying criteria can be a tough exercise in balancing what you want with the value versus risk inherent when it comes to used cars.

Not so many years ago, reliability was a major concern when purchasing a used car… and rightfully so. Today however, are a fraction of what they used to be. Today’s vehicles, when properly maintained will easily go for 100,000 miles and it’s not uncommon for vehicles to be motoring along as they approach 200,000 miles or more. And with all of the information now available online, the risk factor is again reduced even a bit more.

Even though more reliable today, buying a used car for people means buying a car that is probably out of its original bumper to bumper warranty. This alone, is enough to repel many potential car buyers back to the new car side of the dealership.

As you know, if you are looking at buying a used car, you are probably looking at a car that is outside the factory warranty or at least would have very little remaining. With no warranty you’ll be on the hook to pay for any needed repairs out of your own pocket. However, the biggest expense for most all cars today are the things that aren’t covered by any manufacturer’s warranty anyway; items such as brakes, tires, alignment, batteries, etc.

Of course nobody can guarantee that you won’t encounter a lemon. No matter what the make and model, no manufacturer can produce a vehicle that can withstand years of neglect and/or abuse. Always, always, always give the used car a thorough inspection both by yourself and a qualified mechanic; doing this will catch most problems that may be looming on the horizon.

When it comes to financing the purchase of a used car, you find that the going interest rates will typically be higher than new car rates. This is definitely a piece of the puzzle you’ll want to check out. There is no rule of thumb as to what the difference in the interest rate will be between the two because there are just too many determining variables involved such as; the economy, rebates and incentives involved on the new car side, your credit, length of financing, and even the type of used car you’re looking at. Be sure to crunch the numbers for both sides.

With used cars, insurance can save you some money as well because you’ll typically pay less for your insurance on a like model from a few years past. The reason is simple; less cost of replacement for the insurance company and used cars are generally not high on the stolen lists.

And finally, (the latest) safety features could be a concern if you’re looking at used car (particularly if you’re going back a few model years).

All in all, if the touch, feel, and smell of a new car, isn’t a top priority for you, I think you’ll find that a well thought out used car purchase you can get more car and features and still be within your budget.

About the Author:

Jeff Neilan’s car dealer experience offers insightful car buying tips that save you time and money. Be sure to visit http://www.acarbuyersguide.com for car financing tips, ownership costs, & more.

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Posted on 10-03-2007
Filed Under (Automotive) by Auto News

Over time, the media has elevated the popularity of various vehicles by highlighting some of the fictional rides that have graced the pages of novels, the lyrics of songs, the 30-minute TV show, and the silver screen. Whether Fred and Wilma are peddling around in their signature rockmobile, James Bond gets away with his gadget cars or the Beach Boys bring life to the , it’s sometimes hard to forget that many of these really don’t exist. Below are a few examples that have gained fame throughout the years.

In both the Batman television shows and movies, the superhero-on-the-go often hopped into a sleek, customized vehicle that provided protection for his Bruce Wayne alter ego. Equipped with heavy armor plating and a high performance engine, the evolution of the Batman series displayed increasing levels of gadgets. To reach increased speeds, the Batmobile sometimes offered rocket boosts, while additional weapons and a computerized assistance helped to keep villains at a distance.

KITT

The talking car that aided David Hasselhoff’s character, Michael Knight, navigate through a sea of enemies and bad guys was a Pontiac Trans Am. The television series focused on a high-tech approach to entertain the audience. Numerous fans watched the show just to see what KITT would do or say next. The popularity of the show even helped to boost sales as the verbal wonder could drive without a passenger and even displayed its own set of entertaining stunts.

Christine

Stephen King has produced numerous novels that have become popular movies; the same is true with the that seemed to have a . Christine was the name given to the car that appeared in the (with the same name) published in 1983. Driven by supernatural forces, the antique auto created havoc in both the novel and the movie.

Herbie

Several Disney movies and cartoons have focused on Herbie the Lovebug, which was a Volkswagon Beetle that made its first appearance in 1969. Just like Christine, the red, white, and blue striped car with a “53” on its side could also drive without assistance and had a reputation for acting on its own. Most of the time, the car was featured in some sort of racing competition.

General Lee

The television series and movie named the Dukes of Hazzard showed main characters, Bo and Luke Duke soaring through the air, causing mischief with their get-rich schemes. Their vehicle of choice was a colorful Dodge Charger that allowed the cousins to complete high jumps in almost every episode. The car is also known for its controversial Confederate flag decoration.

About the Author:

California Used Cars: http://www.norcalcars.com/ California Classifieds: http://classifieds.norcalcars.com/ Dodge Truck Comparison: http://www.norcalcars.com/DodgeTruckComparison.asp

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Posted on 06-03-2007
Filed Under (Automotive) by Auto News

The traditional car buying experience is often seen as an overwhelming task. But thanks to the Web, customers can save time and enter a dealership precisely knowing what they want to buy.

How many times have you started the process by visiting different car dealerships? Purchasing a new or used car is a significant investment and you will hopefully be keeping your vehicle for awhile. You likely have certain features and options in mind, which will help narrow the scope of which models you will consider. But because you want to find the best car to meet your needs, the process can be intense and arduous.

Many car companies and dealerships are posting their inventory online so you can search for a car to best suit your needs. If you begin with the website as your first step, when you walk into the dealership, you have a narrowed list of vehicles that have the features you want, in your price range and you don’t have to waste a lot of time driving around from one dealership to another.

There are three different types of auto retail sites available for car buyers and each has its own unique advantages.

The Coast-to-Coast Dealer’s Website

When browsing online for your car, one of your primary concerns may be selection. CarMax is an online car dealership with a large inventory, located in several states across the country.

When you visit the site, you enter the make, model, price range and other details for the type of car you want. You are asked to enter your zip code, and then given a list of available vehicles at locations near your zip code. You can compare models, pricing, features, mileage, and other details.

If you aren’t sure what type of car you want, this is a good option to check out as many cars as possible in your price range.

The Local Dealership’s Website

The local dealership is probably the best option if customer service, in addition to selection, is important to you. The difference is similar to shopping at a large retailer versus the small specialty shop owned by a local family known for their contributions in the community. But whereas that small specialty shop may not have an inventory comparable to the big guys, the local dealership may not only offer a comparable selection of cars, but services that you won’t find at the larger auto retailers.

Conklin Cars is a new and used car dealer with several locations in Kansas. When working with a dealership that has several locations, you have the advantage of a large inventory, and working with specialists at each location. Customers who have visited the Salina car dealer site, for example, can also visit the company’s Newton car dealership and Hutchinson auto dealer sites online or in person to compare models, features and pricing.

But in addition to searching for cars based on brand, make, model, new, used, and even “building” the car you want, customers can also send questions to the dealerships’ parts and service technicians. Rather than running all over town to try and find the right part your car needs, or taking the car to a mechanic that may not be familiar with your car, you’ve got both covered at one location. This works well because it gives you a one-stop-shop option for not only purchasing your car, but care and maintenance after purchase.

Other notable advantages of using a local dealership include better, low-pressure sales and customer service, in addition to unique services. At Conklin Cars, sales reps are trained to create relationships with customers for any of their car buying or car service needs. For example, customers can rent a vehicle from Conklin Cars, a unique feature of this local dealership not found at many auto retailers.

Brand Name Shopping

If you have a particular brand in mind, visiting the company’s main site is probably your best option. A manufacturer’s website will offer a comprehensive look at all of the company’s offerings. Saturn, for example, is known for its low-pressure, no-haggle pricing. Like most automotive brands, the site is quite comprehensive with a photo gallery of different models, pricing, features and other valuable information to help you make an educated decision on which one of their vehicles will best suit your lifestyle.

Modern technology has created an opportunity for the car buyer to save much time, effort and stress when shopping. Depending on whether you want a vast inventory, a local resource capable of providing all of your car service needs, or you’re focused on one particular brand, beginning the car buying process online is a smart move. If you know your budget and enter the dealership with a clear decision on which cars you want to see, you’ve got the hardest part of the car-buying process covered, and all that will be left to do is make a decision and go through the paperwork.

About the Author:

Scott Conklin is president of Conklin Cars, a Salina car dealer (http://www.conklincarssalina.com/), Hutchinson car dealer (http://www.conklincarshutchinson.com/) and Newton car dealer (http://www.conklinnewton.com/) in Kansas. You can shop online or visit their locations.

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Posted on 04-03-2007
Filed Under (Automotive) by Auto News

Even if it is just chemicals outgassing, there’s nothing like that . It says you’re smart, responsible and successful. In fact, the only thing better than the new car smell is the pride you’ll feel as you take your new wheels for a spin.

It’s certainly no secret that driving a stylish new car is fun and exciting. New cars carry warranties that protect you from unnecessary maintenance and repair bills for extended periods of time, so they can be great investments. The secret is in buying a , truck, van or SUV without deflating your budget. For many smart shoppers, the right car loans turn their new car dreams into realities.

Direct Auto Financing

One of the biggest money-saving actions you can take in purchasing your new vehicle is with financing through an independent car lender. This borrowing plan is referred to as &;direct financing" or "."

Direct financing is any kind of financing action, set up by you, without the help of the car dealer. There are considerable savings and minimal risks involved in direct loans, making them the best option for many new car buyers. When you walk into a dealership with a guarantee new car loan in hand, you’ve got automatic bargaining power. You’re able to have an upper hand in negotiations, and you can stand equally to your dealer. In the end, this keeps you from falling into the common trap of dealership price fixing and additional financing costs.

Shopping Strategies

The first strategy in shopping for is securing independent financing. With that in mind, allow yourself further flexibility by applying for a of at least a little over what you expect to pay. This gives you extra room for flexibility at closing time, without having to worry about the loan limit. Of course, you’re under no obligation to use your entire loan limit. Arranging for automatic payments is another way to lower your rates. By having your car loan payments deducted electronically from your bank account, you can save more money over the duration of your loan.

Price Haggling

Car dealers are seasoned professionals who are trained to get every dime out of you.

For that reason, it’s no wonder that so many people part with a lot of money after "negotiating" with a car dealer. Unless you’re an experienced negotiator, or have an armor of thick skin, going through a new car purchase can be an agonizing experience. The best protection from slick sales types is to walk in to the dealership with your financing already in place. When you’re in this position, you’ll find car dealers haggling with each other to get your business. Talk to local car dealers, and make it clear to them that you’ve been shopping around. Let them understand that you won’t settle for anything less than the very best deal. This leaves the dealers working to get your business, while all you need to do is choose the best one.

Owning a new car can make you feel like a million bucks, without feeling like you’ve just spent a million bucks. Shop around for car loans and make smart financing decisions, and you’ll soon be cruising along and taking in that new car smell.

About the Author:

George Davis writes for several web sites, including http://togeb.com, http://www.usedcars.biz, and http://real-product.com

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Posted on 28-02-2007
Filed Under (Automotive) by Auto News

Selling your car or truck? It’s important to keep in mind that prospective evaluate the person selling the care almost as much, if not more, than they examine the car itself. In order to win their interest and their trust it is crucial that you should make a good impression. Wherever possible possible, strive make your prospective customers feel comfortable and be open in your response to their inquiries.

Be ready to answer their questions as soon as prospective buyers start calling. Answer questions posed over the phone honestly in an effort to prepare callers for what to expect when they see the car. This works to save both you and the customer a lot of time and work by making only those appointments that have a reasonable chance of becoming a sale. Furthermore, strive to make appointments with each customer for a specific time, rather than leaving them to some vague time such as &;after work", or "Saturday afternoon".

Remember that making an appointment when increases the chances of the buyers showing up. Don’t feel obligated to wait for a late customer. To help things go smoothly, request a ( a cell phone) and take it in stride if some don’t show. Cancellations, with or without notice, are simply part of the process.

It should be expected that any potential buyer will ask to test-drive the car. Ride along with them so you can answer questions, as well as ensure the safety of the automobile. There is also the possibility that the customer may not be familiar with the area, so riding along with them allows you to serve as a guide.

Some of the buyers are likely to want to have the car inspected by a mechanic. If a mechanic has already checked it, this is the right time to show that paperwork. This is a reasonable request in any transaction such as buying or selling a car.

Protect Yourself

It is important to be cautious and to take steps to ensure your safety and the safety of your interests. For example, holding onto a buyer’s driver’s license is a reasonable safeguard if a buyer insists on going on a test-drive by his or herself. If the buyer has a problem with this arrangement there’s a very good chance that allowing an unsupervised test-drive would go against your best interests. On the other hand, it’s not unreasonable for a buyer to want the car checked by a different mechanic if it has already been checked by yours. Be prepared to go with the flow a little bit, and you are more likely to get a sale.

About the Author:

Patricia Brown contributes to several popular web sites, especially http://great-product.com, http://www.truckparts.biz, and http://productstips.com

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Posted on 27-02-2007
Filed Under (Automotive) by Auto News

Ideally, you should change your motor oil every three months or after every 3,000 miles. If you often drive around in hot or dusty conditions, you might even want to more often than that.

The process is pretty simple, and as easy as one-two-three. Step one is getting ready, step two is draining the oil and changing the while step three is installing the new oil.

(1) Getting Ready

When getting ready, it is important to have the right tools and materials on hand, such as jack stands, a socket set and an oil drain pan. Let your car engine run for 10 minutes before you drain the oil since is easier to drain than cold. Make sure you park on a level surface or, if your car has a low clearance, jack it up or drive it onto a ramp. If youre jacking up the car, use two jack stands instead of one. (An additional jack costs about $20 and that is a small price to pay to spare your face from being squished by a badly balanced car.) You might want to check your cars manual about the weight of oil and type of oil filter you need to use.

(2) Draining the Oil and Changing the Oil Filter

To drain the oil, crawl under the car and look for the oil drain plug under the engine near the front of the car. Position your pan beneath the plug then use a socket wrench to loosen the plug, turning counterclockwise. Once loosened, you can use your hand to remove the plug and the starts pouring out. Make sure all the old oil is drained into the pan. Once its completely drained, wipe the drain plug and the plug opening. Now replace the drain plug gasket and use a wrench to reinstall the plug but dont make it too tight.

Next, look for the oil filter. They are usually at the side of the engine. Place the beneath the filter in case any oil remains. Unscrew the oil filter (use gloves if it is too hot) and wipe the filter area clean, especially where it mounts to the engine. Dab a bit of your on the rubber seal of the new filter and then screw it in by hand. You dont have to use a wrench to tighten the oil filter.

(3) Installing New Oil

Remove the oil filler cap thats located at the top of the engine. Position the funnel at the opening and slowly start pouring in the new oil You might want to check your manual for the proper oil capacity but, typically, you will need four or five quarts of oil. Once youre done, put back the oil filler cap. Start the engine, let it run for a minute and then check the dipstick. If you need to, add more oil. Now check for any leaks near the and the filter. If you do find leaks, simply tighten the plug or oil filter.

Youre done. But dont forget to clean up. Carefully wipe away any excess oil and put the old oil into a plastic container then dispose of it. Dont just pour it anywhere, though. Better to take it to the recycle center or other authorized locations.

About the Author:

Ourisman Hyundai offers the best price and service in Maryland, Virginia and DC, something you’d expect from a family doing business in the car industry for 80 years. Go to http://www.ourismanhyundai.com to acccess their online inventory of new and used Hyundais and get a free no hassle quote.

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Posted on 27-02-2007
Filed Under (Automotive) by Auto News

The is a car model from Corp. which was produced in 1986. The fourth generation of is called the Hyundai Azera and it was marketed first in North America.

The all new Azera started in 2006 as an advanced sedan which provides many traits and amenities which are usually characteristic for more . The Azera offers the full-size luxury automobile consumer a more elegant cabin, more security characteristics, and a smoother drive.

Technical aspects

The Azera has a four-wheel independent suspension (multi-link in the rear) and uses the company’s new 3.8 L Lambda V6, which generates 263-hp (196 kW). The power is sent to the front wheels through a five-speed automatic transmission with "Shiftronic" manual gear selection. Hyundai claims 6.3 seconds to accelerate to 60 mph (97 km/h) and a top speed of 157 MPH (252 km/h). The Azera has a of 19 (12.4 L/100 km) in the City and 28 MPG (8.4 L/100 km) on the Highway is expected.

Styles and Major Options

The Azera offers plenty of perfomance using an awe-inspiring 263-hp DOHC V6 24-valve aluminum power plant with CVVT, variable induction and intake of cold-air.

The Azera is the most uncompromising car Hyundai’s ever created through a double-wishbone front suspension and multi-link rear suspension, with front and to provide an optimized ride and handling.

The Hyundai Azera is recognized an an Ultra Low Vehicle Emission. The Azera helps the driver reach amazing levels of efficiency, with a trip computer that allows for MPG monitoring. You are provided alloy wheels, heated front seats, leather seat-upholstery, and a power sun shade in the rear window. In the ultimate package are included an improved audio system with 10 speakers and a 6-Disc CD changer, a power sunroof, telescopic steering wheel, and rain-sensing windshield wipers.

Safety

Eight Airbags which come standard on the AzeraHyundai make you sure that their Azera has many standard features and it can be compared to Toyota Avalon, with Electronic Stability Control, Traction Control, as well as Anti-Lock Brakes (ABS). The Azera also comes standard with 8 airbags and remote keyless entry, and an anti-theft engine immobilizer. The Azera/Grandeur TG" is a full-size sedan. It is sold as the Hyundai Azera in North America.

Being a step up from the Sonata, the Azera is evaluated at $24,995 for a base SE model, $27,495 for the Limited version, and $29,995 for the Ultimate Package. The flagship Azera will be the most luxurious sedan Hyundai is selling outside of Korea.

The Azera was named "Best New Family Car (over $35,000)" in the 2006 Canadian Car of the Year awards.

It also was awarded by Car and Driver because it has more rear legroom than a BMW 7 Series. It is also believed to have more overall interior room than the BMW 7 Series.

For more details go to http://www.ourismanhyundai.com

About the Author:

Ourisman Hyundai offers the best price and service in Maryland, Virginia and DC, something you’d expect from a family doing business in the car industry for 80 years. Go to http://www.ourismanhyundai.com to acccess their online inventory of new and used Hyundais and get a free no hassle quote.

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Posted on 26-02-2007
Filed Under (Automotive) by Auto News

s are making a comeback as the preferred .

No longer are they just for kids. Gas powered scooters are rapidly taking over as the preferred method of transportation to work and school. They are economical, can maneuver through tight spaces and with a , you can take short-cuts that an automobile can not.

Gas powered scooters are also known as which is a two-wheeled (normally) low powered vehicle. In most states its small size and low power output allow it to escape many of the licensing, insurance, and driver restrictions placed on motorcycles. However, be careful of the of moped.

a. A moped is traditionally defined as a motorized 2 wheel vehicle that is part human and part motor driven. A moped has pedals so that it can be propelled by human power. As you can see, gas powered scooters do not fit most states definition of moped.

Don’t fret though, a gas scooter used properly will not get you into any trouble in most places. If used responsibly and traffic laws are obeyed, most law enforcement won’t touch you.

were first introduced in the mid 1950’s. The first design was little more than a bicycle with an engine mounted on it, it was called a cyclemotor. The cylcemotor can still be seen on the road these days in the form of electric bikes.

One reason some people have a gas scooter is to circumvent loosing a driver’s license. Many states don’t require a driver to have an operator’s license if they are over eighteen years of age, sixteen in some states. They also don’t require insurance and registration.

Gas powered scooters have several advantage that should be noted.

a. No parking spots required. Some gas powered scooters can fold down for easy storage right in your office, or you can tie it up at the door with the bicycles right in front of the buildings door or on the sidewalk.

b. A gas powered scooter is faster than the average electric scooter. They can travel at speeds up to thirty-five miles an hour.

c. Gas powered scooters can maneuver rather well – A gas powered scooter is a great way to move through traffic. They dart in and out between cars, especially gridlocked traffic. Imagine sleeping in an extra twenty-thirty minutes. With the time you save avoiding traffic, you can afford to. how smart are you?

d. Gas scooters have very cool body styles; some gas powered scooters look more like miniature motorcycles than scooters.

e. Gas scooters save tons of money - While the cost of gassing up gas powered scooters might seem expensive compared to the low cost of running an electric scooter, the mileage they get quickly makes up for the gallon of gas they require.

f. Maintenance is a breeze– A Gas scooter is easy to maintain. With a basic grasp of tools and a decent book about mechanics most people are able to maintain their gas powered scooters in their own garage.

The best thing about a gas scooter is the freedom to literally go just about anywhere. While you ride your scooter along the trail or the beach, you can go more places than most automobiles. Hop on your new gas scooter and get ready for a new adventure. Take a minute and smell the roses or take in the sights like never before. What more could you ask for?

About the Author:

M.D. owns TM-MotorWorks Scooter Store featuring the X-Treme XG-499 Gas Powered Scooter http://www.tm-scooterhaven.com/xt_xg499_gas_scooter.htm & the X-Treme XG-470 Gas Scooter http://www.tm-scooterhaven.com/xt_xg470_gas_scooter.htm Visit http://www.tm-scooterhaven.com/gasscooter1.htm today.

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Posted on 25-02-2007
Filed Under (Automotive) by Auto News

Weight is one of the most important issues to consider when building a fast car for road or track. Putting a car on a serious diet is pretty much free horsepower, as any attempt to lighten a car improves the , this seriously improves .

The gains on a lightening a car are huge and not just limited to gains in acceleration either. Once you have lightened a fast car you will find the car performs better in the corners and under braking, parts such as brakes and tires will last longer on the car also.

The potential gains are huge but it must be done correctly, you would not want to lighten a rear too much on the rear or you may find traction a problem particularly with a high power output.

The truth is your fast car could be made a great deal faster cheaply and easily just by shaving a few pounds off the body.

How do we remove weight from the fast car?

This bit is as easy as you want it to be, but as with most forms of it depends on how far you want to go. I know a guy who races a BMW and he decided to go all out on weight saving, he even scraped every bit of under-seal from the floors of the car, extreme perhaps but he managed to remove nearly 2 stone of under-seal, not a bad effort.

The obvious place to start saving weight on your fast car is by removing the interior, and anything else that you do not need, the front seats can be replaced with light weight racing items, the unused wiring removed, carpets and sound deadening, pretty much all of the unnecessary parts, my car has just a driver seat and a cage with much of the unnecessary wiring removed. This makes for a car with very impressive performance.

Many other components can be replaced with parts, gear box casings, axle covers etc. It is worth noting that a stainless steel exhaust is lighter than the same in , so this constitutes a worthwhile investment.

It is also important to reduce the unsprung weight on the car also, by this I mean wheels, brakes and anything else before the suspension mounts, this provides a very good increase in the handling of the car.

About the Author:

Gavin Drake is a club racing driver in the U.K and also runs the website http://www.fastcarsinfo.com where you can find the latest automotive news, chat with other petrol heads and submit pictures of your cars, not to mention read more articles like this one.

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Posted on 22-02-2007
Filed Under (Automotive) by Auto News

Auto insurance is at its heart financial protection. You in order to prevent paying thousands of dollars in the event of a collision or other loss. Many different types of insurance are available, covering almost every means of loss or damage to your vehicle as well as others to which you may cause damage. Very few drivers need to purchase every single type of insurance, so it is helpful to understand each type in order to decide which ones you require.

is sometimes known as liability insurance. This product is designed to cover damages that you may do to someone else’s vehicle. Your state sets a minimum amount of this insurance that you must carry but the state requirement is often quite low. If the damage you cause exceeds the limits of your insurance you could be sued for the difference. It is therefore wise to purchase as much property damage insurance as you can afford.

is usually required by law, though the required amount may vary by state. This insurance pays a portion of your medical bills (generally 80 percent) and a portion of your lost wages (usually 60 percent) if you are injured in an accident. often includes a small death benefit as well. This insurance may cover your relatives or household members or even everyone in the car, depending on your insurance company’s policies and state mandates.

insurance is extremely important even though it is not required by many jurisdictions. If you are at fault for an accident that injures someone beyond the limits of his , bodily injury insurance will cover the difference. Otherwise you could be sued for medical expenses.

Uninsured/Underinsured Motorist Coverage

If you are injured beyond the limits of your personal injury protection in an accident caused by someone who does not carry bodily injury insurance, what are your options? You could certainly sue him and likely win your case. However lawsuits are time consuming and expensive, and if he does not have the money to pay you might be stuck with an uncollectible judgment against him. Instead, your Uninsured/Underinsured Motorist Coverage could cover your injuries. This protection is reasonably priced and will ensure that you are paid in a timely manner. Purchase this coverage if you can.

Collision insurance will reimburse you for damages to your vehicle if you are at fault. Collision coverage will pay up to the actual cash value of the vehicle less your deductible. If your car is financed you may be required to carry collision insurance. However the premiums are high and this product is not recommended for older low value vehicles.

Comprehensive insurance will pay for damage or loss to your vehicle from both theft and acts of God. Comprehensive coverage will pay up to the actual cash value of the vehicle less your deductible. This insurance is usually required if your car is financed but not recommended for older cars with a low cash value.

Many other options are also available, covering everything from medical payments beyond your personal injury coverage to a rental car while yours is being repaired. Most of these options are good to have if you can afford them but not necessary if you can’t. Always speak with your insurance agent if you have any questions or concerns regarding your coverage options.

About the Author:

Find the best deal on the auto insurance coverage that’s right for you. Visit http://www.AutoInsuranceRatesDirect.com today for free car insurance quotes, money-saving tips and important information about choosing your auto insurance.

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