Auto loan: the path for your new car!

If you want to buy a new car but you don’t have enough money, you should consider the idea of getting an auto loan.

Auto loans are pretty helpful for people who cannot afford buying a new car, but still need either a new car or a car. This is common among students who usually work part-time and pay for an auto loan with the payment they receive from the job. Well, nothing better than buying our own car with our own money, right!?

Here are simple advantages of auto loans:

- Sometimes, getting all the money we need to buy a car is difficult. For these people who don’t have the luck of having this facility, auto loans make possible the dream of having a car or a new car.

- When you get an auto loan, sometimes the final price of the car is cheaper than it would be if you had bought the car with a dealership.

- If you are aware of the terms of the contract, there is no way for to be deceived and the facility of getting a car with an auto loan is much bigger than buying a car with a dealership.

Besides all this, an auto loan is the solution if you have to buy a car in an emergency situation. For example, if you start a business and you need a car for this new business. You may be invested all your money for the opening of your business and now that you need a car, you don’t have the enough sum of money. An auto loan turns this possible: you get an auto loan and then get your car.

Auto loans are also helpful if your family is getting bigger. If you are gonna have a new baby in the family you may want a safer car.

Another reason that may get your interest has to do with a trip. You may have planned a trip with your family or friends but you found out the car is not comfortable enough or not safe enough. You can get an auto loan in order to take the trip with a safer and more comfortable car.

In addition to this, there are some other things that you should know about an auto loan.

www.quick-auto-loan.info


About the author:
Loany Cary
With he economic crisis that people are going through nowadays, getting a new car can be difficult. In order to solve this problem, you can count on auto loans.
www.quick-auto-loans.info


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Auto insurance, reduce costs but maintain protection

Auto insurance is a legal requirement in every US state and Canadian province. Costs are continuing to rise. How can you reduce some of these expenses and still get the best coverage?

First, get multiple quotes from the Internet and your neighborhood broker. You can shop for different types of quotes from a direct-sell insurance companies and offline and online brokers.

Auto insurance that is cheapest isn’t always the smartest move. Ask yourself, is the company financially secure? Are they reputable and will they pay out if you have to make a claim.

The first piece of the policy is almost always liability insurance. If you only have minimum liability coverage and you injure someone, their attorney can go after your personal assets. Many insurers feel that minimum liability is a gamble. In fact, that is why it is often only a little more money for more protection.

Auto insurance varies on car types. Coverage for a sports car is very different from insuring the family sedan or mini-van.

If you are looking to buy a car, consider buying a car that "looks good" to insurance companies. For instance, insurance companies know what kinds of cars are prone to problems. They also know what kinds of cars are most often stolen. If you haven't purchased your car yet, find out what cars make this "good list" among auto insurers.

Consider how much coverage you really need to buy and the price each of these coverages will pay. Think about collision and comprehensive coverage, which is how much you will be reimbursed for the loss or destruction of your vehicle. Are you carrying $30,000 worth of collision coverage for a $12,000 vehicle?

If your car was totaled, would you be able to afford to replace it? If not, you will want comprehensive and collision coverage.

The decision to buy this coverage is usually based on the value of your car. Guidelines usually suggest that if your car is worth less than $2,000, it won't be worth it to buy comprehensive and collision.

If you own a $50,000 car though, it would most certainly be worth it to pay an extra $200 annually or so to insure that your car will be replaced if you get in a serious accident.

If you’re driving a used car from 10 years ago, dropping collision and/or comprehensive coverage can usually give big savings.

Run through various scenarios such as if I totaled someone else's car, will my insurance cover it? How much will I have to pay out of my own pocket?

Paying a higher deductible can also keep your policy costs down. Remember, the deductible is what you pay out of own pocket when making a claim.

Buying a low mileage car and insuring with a good driving record, will all help bring insurance rates down. Don’t speed, don’t drink and drive and you’ll save.

Single, young males under the age of 25 get the short end of the stick in this deal so if you fall into this category make up for this price increase by purchasing a more sensible vehicle. Consider delaying the purchase of that cherry red Mustang until after you’re 26 and married.

Keep yourself adequately covered. You can get away with having the bare minimums required by each state to keep you in compliance with state laws, but that may not be enough to protect your assets if you have a major incident.

Insurance experts recommend that you review your insurance policy often and thoroughly.

Many insurance companies offer discounts for anti-theft devices and advanced driver-training courses.

About the author:
Auto-insurancenews.com by Drew Harris is a one-stop-shop website for those looking for everything related to Auto Insurance. Multiple pages of resources, referrals , tools and expert advice. http://www.auto-insurancenews.com


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Auto Insurance Primer

What is auto insurance? Auto insurance (or car insurance, motor insurance) is insurance consumers can purchase for cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred. By buying auto insurance, depending on the type of coverage purchased, the consumer may be protected against:

* The cost of repairing the vehicle following an accident
* The cost of purchasing a new vehicle if it is stolen or damaged beyond economic repair
* Legal liability claims against the driver or owner of the vehicle following the vehicle causing damage or injury to a third party.

Liability insurance covers only the last point, while comprehensive insurance covers all three. Even comprehensive insurance, however, doesn't fully cover the risk associated with buying a new car. Due to the sharp decline in value immediately following purchase, there is generally a period in which the remaining car payments exceed the compensation the insurer will pay for a "totaled" (destroyed, or written-off) vehicle. So-called GAP insurance was established in the early 1980's to provide protection to consumers based upon buying and market trends. The escalating price of cars, extended term auto loans, and the increasing popularity of leasing gave birth to GAP protection. GAP waivers provide protection for consumers when a "gap" exists between the actual value of their vehicle and the amount of money owed to the bank or leasing company. In some countries including New Zealand and Australia market structures mean that people are more likely to buy a nearly new car than a new car so this is less of a problem.

In the United States, liability insurance covers claims against the policy holder and generally, any other operator of the insured's vehicle, provided they do not live at the same address as the policy holder and are not specifically excluded on the policy. In the case of those living at the same address, they must specifically be covered on the policy. Thus it is necessary for example, when a family member comes of driving age they must be added on to the policy. Liability insurance generally does not protect the policy holder if they operate any vehicles other than their own. When you drive a vehicle owned by another party, you are covered under that party's policy. Non-owners policies may be offered that would cover an insured on any vehicle they drive. This coverage is available only to those who do not own their own vehicle.

Generally, liability coverage does extend when you rent a car. However, in most cases only liability applies. Any additional coverage, such as comprehensive policies, i.e. "full coverage" may not apply. Full coverage premiums are based on, among other factors, the value of the insured's vehicle. This coverage may not apply to rental cars because the insurance company does not want to assume responsibility for a claim greater than the value of the insured's vehicle, assuming that a rental car may be worth more than the insured's vehicle. Some states, such as Minnesota, may require that it extend to rental cars. Most rental car companies offer insurance to cover damage to the rental vehicle. In some regions, the costs associated with not having access to the vehicle ("Loss of Use") is also covered.


About the author:
What is auto insurance? A basic primer on auto insurance

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A Rookies Guide to Car Rentals

Renting a car can be a lot of fun, just plain fun. Car rentals offer the renter the opportunity to drive a car, truck or SUV that they normally would not or could not buy. Renting a car is for a weekend get away, to impress someone or just to have something different to drive for a couple of days are some of the most popular reasons to visit a rental company. However, as fun as it is to rent cars, there are some not so fun things that must happen before you drive it off the lot.

1- Keep in mind that most rental companies will not rent to any driver under the age of 25. If you fall under that magic number, you more than likely will need to get an older relative or friend to sign the actual contract for you.

2- You will of course, need a valid drivers license to rent the car. If you do not have a license, they will not rent to you under any circumstances. Most companies will also require you to reserve your car with the use of a major credit card, however, you can pay in cash if you would prefer.

3- You do not need to have personal auto insurance to rent a car; they will ask you if you would like to purchase their insurance for the duration of the rental contract. If, however, you have your own insurance policy, be sure to call your agent to see if you are covered during your use of a rental car. If your personal auto policy covers you, there is no need to purchase a policy from the rental company.

4- It is wise to call several car rental companies to inquire about prices, car availability and specials. Ask about options such as upgrades, pick up and drop off services, unlimited mileage and weekend versus weekly rental prices. Many companies will also offer special deals to customers who are members of other organizations (i.e. credit unions, warehouse clubs, etc).

5- After you have called around, found the best deal and reserved your choice car; it is time to pick it up. Be sure to have all of your personal paperwork with you, including your auto policy if you will not be buying theirs. Before you sign the contract, read through it and ask any questions you may have.

About the author:
John Mancini has been writing about rental cars online and offline for a long time. Visit http://dirt-cheap-car-rentals.comor http://car-rentals-made-easy.comto read more about matters like budget rent a car and national car rental.



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Are You Tired of Trite Tips on Fuel Savings

In these days of record high fuel prices affecting already stretched budgets, many of us are looking for tips on fuel savings. Unfortunately, most tips are “no-brainers”.

Some suggest staying within posted speed limits because “…the faster you drive, the more fuel you use.” Daah !!! Explain that to a teenager!

Oh, here’s one – “combine errands”. Come on, anyone who runs a household figured that one out eons ago, just to maintain sanity.

Here’s another I just love – remove excess weight. Hmm… let me think, I can make the kids walk to their sports events or mall, and meet them when they arrive. And, of course, ban any friends from catching a ride. But then again, when the riot occurs, the police will have to use their fuel instead.

After much research, here’s a few fuel savings tips I found that actually make sense:

1. Depending on a vehicle’s condition, you can increase fuel savings simply by keeping your engine tuned.
2. Maintaining proper inflation of tires can increase fuel savings by up to 6%.
3. Replace air, oil, and fuel filters regularly. Clogged filters decrease fuel savings.

But the best tip to date is this simple fuel savings solution:

A small Power Pill, the size of a penny, that can be dropped into the tank at fill up. Here’s what the PowerPill does:

· Provides fuel savings averaging 15% on cars and 20% on diesel trucks
· Conditions the engine by cleaning it, resulting in eliminating and preventing what is known as “carbon deposits”, the culprit behind decreased fuel savings.
· Lowering octane requirements, thus saving an additional 5¢ to 10¢ per gallon.
· More savings on maintenance by extending the life of spark plugs, valves, engine, and frequent oil changes.
· Environmental benefits by significantly reducing toxic pollutants, which in essence allows us to breathe cleaner air and live longer.

N.A.S.A. engineered and SAE tested over a decade ago, global results can be found at http://www.thepowerpill.com/tests including the most recent unsolicited tests performed by Dial-A-Cab taxi drivers in London.

For more information, visit http://www.helpwithfuelprices.com



About the author:
Dee Scrip is a well known and respected published expert author of numerous articles on PowerPill Fe-3, Home Business, Business Opportunities, Fundraising, VoIP, VoIP Security, and other related VoIP issues.


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Are You Ready to Take the Challenge of Modifying Your Mitsubishi Car?

Okay, I know you love cars, but it doesn’t mean you have to buy a new one every now and then just to have something new and more exciting car to drive. Admit it, cars are valuable investments and I’m pretty sure you don’t want to spend your entire earnings for an expensive and flashy sports car.

Aftermarket auto parts like those offered at Auto Parts Fast are your best alternatives. By adding or replacing your stock Mitsubishi parts with aftermarket parts, you can breathe in new life to your auto and make your driving routine a lot more fun and exciting. Compared to buying a new car, installing aftermarket auto parts is less costly, so why suffer the burden of paying for a new car when you can get all the advantages of owning the latest model, say a 2006 Mitsubishi Galant, without getting thousands of dollars poorer.

Be practical, if you don’t have enough savings yet. A new car can wait, but your other essential needs can’t. But spending some extra cash on replacement and aftermarket auto parts won’t harm you. In fact, it can help you increase your car’s resale value. It’s also one way of maintaining your vehicle and enhancing its driving capabilities as well as its riding comfort, safety and style. Hence, should you decide to sell it in the future when you have already saved enough money to buy a new and more sophisticated car, you won’t have problem selling your old Mitsubishi Lancer or Mitsubishi Mirage.

Discount priced Mitsubishi parts are offered at Auto Parts Fast, your one-stop shop of high quality replacement aftermarket car parts and accessories. Here you can find performance parts designed to boost your Mitsubishi car’s performance at very affordable deals. Auto parts like Mitsubishi wheels, Mitsubishi radiator, Mitsubishi shock absorbers, and Mitsubishi catalytic converters available in this store are the best you can find for your Mitsubishi Mirage. Made with high OEM standards, they are sure to deliver the same performance as the original parts.

Let your Mitsubishi car reveal who you are, personalize it so you can enjoy it more. You can make the car’s interior more conducive for long drives and more pleasing to the eyes every time you slip into the driver or passenger seat by replacing your old Mitsubishi carpet and Mitsubishi floor mats or by adding some interior lights and other accessories.

You can change the way your Mitsubishi looks by replacing exterior auto parts as well. These parts give others a lasting impression about your car so make them attractive as much as possible. Also, if you are going to resell your car in the future, you have to pay attention even to slightest details in your car’s exterior, including the Mitsubishi door handle, Mitsubishi headlight covers and Mitsubishi hub caps. These parts can make or unmake an impression about your car, too. Wouldn’t it be frustrating if a customer rejects your offer only because of a broken door handle or some unsightly scratches on your Mitsubishi tail lights?

Redesigning or modifying your car is fun and challenging at the same time. It may require you to spend some cash but think about the benefits of this over buying a new car, which may not be your priority yet at the moment. Take the challenge, simple things like placing a new set of Mitsubishi wheel covers on your car can go a long way! Now, I’m sure you’ve got better ideas there, go to Auto Parts Fast and start turning those bright ideas into reality.



About the author:
As a former news correspondent for an auto-related website, Stacey has gathered extensive knowledge and experience in the automotive industry. This 34 year old mother of two from Memphis is a genuine car lover.


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All you need to know about pick-up trucks

All you need to know about pick-up trucks
by: suwan k
Although diesel prices have shot up to about Bt23 per litre, cars with diesel engines are still more popular than their petrol-driven counterparts due to their durability and functionality in varying weather conditions. This is thanks to the lack of a high-powered ignition system.

In Thailand, diesel-powered pickups will enjoy continued popularity for decades to come. Motorists, especially in the provinces, need vehicles that can tackle varying road conditions and carry lots of cargo and people. Thus we see pickups being modified for many purposes and hence classified into several vehicle categories.

I'm interested car in the Mitsubishi Strada. I want to know whether it is a good choice for driving to work as well as driving back to my hometown that is about 400 km from Bangkok once a month. On the way back I need to carry lots of OTOP products weighing about 500-700 kg.

You should have mentioned whether you are interested in the 2.5 or the 2.8-litre engine. Anyway, I recommend the 2.9-litre 4M40 engine because the fuel economy is about the same as the 2.5-litre, but it’s more durable. It also uses a chain-type timing belt, which lasts much longer than the belt type so you don’t have to worry about replacing the timing belt. The body and suspension is similar.

If you are not in a hurry to get the Strada, I strongly suggest you wait another one to two months for the new Mitsubishi Triton pickup which will be available with 2.5-litre direct injection, 2.5-litre common-rail and 3.2-litre 4M41 DOHC 16-valve common-rail engines. The design has been totally revamped.

So if you can, it’s much better to wait and see how the new truck is. You can get the information from test drives in your preferred newspaper and then make the decision.

I have a 1993 Mitsubishi Champ that has covered 130,000 km but its condition is very good. I would like to sell this car. How much would I get?

You won’t get more than Bt75,000 to Bt80,000 if you sell it to a used car or truck dealer, but the condition must be really good. If you are patient and sell to a direct buyer, then you can raise the price up to Bt120,000. If the potential buyer bargains for Bt100,000 you should sell it. If the body is good with no rust, it is a nice car because parts are cheap and the engine is very economical.

After buying the truck I want to install a roof over the bed. Which is better – the fibreglass Carryboy or steel Sammitr?

Fibreglass roofs are light and look better thanks to a moulding process. There are several brands in the market that are very popular. Steel roofs are stronger and can help reduce damage if the truck overturns. The shade of the paint also matches the body and stays good for a long time compared to fibreglass roofs.

The extra weight may result in increased fuel consumption, but it is so small you can't measure it. Another advantage of steel roofs is that you can mount a roof rack on top.

However, when parked under direct sunlight, the roof gets very hot and if you have an extra air-conditioner at the rear, it will be forced to work harder than with a fiberglass roof.

About the author:
Suwan K. is a manager of car online info - car online , car online info website devoted to the used truck - car sale or news and information on Internet.


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5 Tips to Buying the Perfect Seat Cover

For a lot of people, buying a car is a large investment, one to be well cared for. Perhaps, the easiest, most reliable way to protect the value of your vehicle is to fit it with seat covers. This can be a minimal investment; however, price should not be the only consideration while shopping for covers. Before you pick out your new seat covers, consider these tips.

1- The most important thing to remember when shopping for seat covers is to know the exact make and model of your car. I know this sounds obvious, but without the exact specifications, you could end up with the perfect seat covers that are completely wrong for your car. You will need to know what type of seats you have, if it is a bench seat, is there a split? Pay attention to what type of headrest your seats are made with; are they bucket seats or captains' chairs? All of these differences will have an impact on what seat cover is the right one for your vehicle.

2- Now that you know the type of cover you are looking for, its time to think about price. Seat covers for your car are just like most other things in life quality will cost more. A high quality seat cover will be more expensive, but it will not shift around on the seat or wear out quickly. However, there is something to be said for buying a less expensive seat cover. If you are the type of person who likes to change their environment, then purchasing a cheaper cover that will be replaced rather quickly is probably a good idea for you.


3- Pay close attention to the type of material that the covers are made of. Ideally, you are looking for something that is machine washable, stain and water repellent, something that is tough and durable, these will be used everyday. There is a large variety of materials that are used for seat covers and they all have their own advantages. For example, sheepskin keeps a steady temperature in the cold and heat alike, making it ideal for most climates. While canvas, Cordoba and tweed are known for quality and durability.

4- It's best to look for and purchase seat covers from manufacturers that offer a lifetime warranty. Keeping the receipt is a vital part of being able to use the warranty if it is needed, keep it in the glove box with other important papers.


5- If, after shopping around, you still are unable to find just the right cover in just the right material and pattern, consider getting it custom made. Custom-made seat covers are available from many upholstery shops as well as from many online stores. Buying custom-made seat covers allows you to get a seat cover that not only fits your seat, but also your personality.

About the author:
John Mancini has been writing about car covers online and offline for a long time. Visit http://best-car-covers.comor http://customseatcovers.infoto read more about matters like seat covers and hawaiian seat covers.


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