by: Austin Davis
Automobile insurance is an increasing expense for almost all Americans. We can’t afford to have it, and we certainly can’t afford to NOT have it. When researching car insurance companies and comparing policies, it is a good idea to follow these easy guidelines to get the most coverage for your insurance dollars.

Get discount car insurance quotes from as many carriers as you can. Automobile insurance rates may vary drastically depending on the model of your car and the type of coverage you need. Consider as high a deductible as you can reasonably afford, since higher deductibles translate into lower insurance premiums. Review quotes and policies carefully to make sure you are only paying for coverage you really need. If you have homeowner insurance, ask your agent if you are covered already for certain items you might be charged again for on your auto policy.

After you have gotten quotes from different car insurance carriers, it is usually a good idea to create a spreadsheet to help you avoid comparing apples to oranges. Set up a scenario with car repairs and medical expense to best compare the coverage differences under real-life situations.

Once you have chosen the two least expensive automobile insurance policies for the coverage you need, contact a reputable body shop in your area for a referral. Automobile body shops deal with insurance companies every day, and you want to make sure the company you send your premiums to each month will be responsive and fair if you have to make an insurance claim. The body shop probably has a good insider opinion on how the insurance company operates, how long it takes to get an adjuster to view the damaged vehicle, how long it takes to get paid on a claim, how fair the estimate was, were used parts requested versus brand new parts and so on.

Trust me, a ten minute talk with a reputable body shop manager can reveal a lot of great information about an insurance company and how they tend to handle their claims. A few dollars difference in premium dollars to get coverage from a company that handles their claims properly may save you a world of hassle in the event of an automobile accident.

About The Author


Austin Davis is a consumer advocate committed to helping you with car insurance Houston and car insurance New Jersey. Visithttp://www.freecarcity.com/.


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Labels: buy a car, car price, new car, used car

by: Tom Carey
Not many people have sufficient on-hand resources to pay cash for a new/used car purchase. Most people HAVE to finance at least a major portion (about 80%) of any such acquisition. Most people just assume that financing through the car dealership is the simplest, easiest and most convenient way to go—and most people pay more than they need to because of that assumption!

Car dealerships rarely provide direct financing; i.e., they “partner” with a lending institution which provides funding to “qualified” buyers who apply for loans at car dealership offices. The lending institution accepts all the involved risk, while in most cases the dealerships accept a flat fee commission, a percentage of the total loan, and/or a bonus for each loan placement from their lending “partner.” This cost is paid for by the buyer through a higher loan rate. It might be simpler and easier to file for a loan at the car dealership, but please don’t assume that it doesn’t cost you for that convenience. In a small number of case, like at ThatsMyNewCar.com, financing is provided, however the dealer does not receive any fee, percentage or bonus for placing the loan. The service is provided to make the car buying experience better and more convenient for the customer.

Banks and credit unions offer direct financing to car buyers, usually at rates better than those they can offer through any “partner” car dealerships—this is because they have no fees to pay for a middleman. Deal directly with a lending institution and you can save money on your new/used car purchase. If you have a savings/checking account with a bank or credit union, they are much more likely to provide you with a car loan than any lending institution for which you are not already a customer, and you’re more likely to get a better rate or more convenient terms (or both) from them too. Most even offer lower rates if you agree to have payments automatically deducted from your account—no checks to write, no envelopes to address, and no stamps to send them in. Now that is a convenience which not only doesn’t cost you anything, it usually saves both time and money!

Try to have your financing issues addressed before you even go to a car dealership. Banks and credit unions will help you determine how much you can afford to pay, which should provide more confidence and less anxiety for when you actually go to a dealership. With loan approval issues already addressed before you set foot on a lot, if you see one that just screams “That’s My New Car” to you, you’ll be in a position to close the deal right then and there, and to drive it home without further delay. Now that could be a convenience derived from adequate preparation and forethought!


About The Author
Tom Carey is the owner of http://www.thatsmynewcar.com/. A Pennsylvania used car dealership in Norristown that specializes in giving the public proxy access to exclusive dealer-only car auctions, saving each customer thousands of dollars.


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Labels: buy a car, car price, mercedes, new car, used car