Are Affordable Auto Insurance Rates Possible

You have many options when it comes to auto insurance. Auto insurance directors know that the industry is extremely competitive and will always offer affordable auto insurance rates, no matter what the coverage. That means that, in order to find affordable auto insurance rates, you need to shop around. You should make it a point to shop around for affordable auto insurance rates every few months so that you can ensure that you’re paying the absolute lowest rates possible. It doesn’t matter if you have liability or full coverage. You should be paying affordable auto insurance rates. If not, then you may just be throwing your money down the drain.

Getting Quotes

If you have access to the internet, then you are mere minutes away from getting quotes from every single auto insurance provider in your area. Most companies these days will do a comparison quote of their competition as well. That way you can see whether or not they will save you money. In order to get an accurate quote for the same coverage you’re getting now, you need to go to your current provider to get a copy of your policy. That will provide you with all the information you need to get the most accurate affordable auto insurance rate possible.

Every Few Months

When you find an affordable auto insurance rates, don’t just rest on your laurels. What you’re paying right now may not be competitive a few months from now. So do yourself a favor and do an affordable auto insurance rate comparison quote every few months just to make sure that you’re paying the absolutely lowest rates possible. If you can save hundreds of dollars a year by doing this, why wouldn’t you?

Affordable auto insurance rates are something everyone wants and they can be had with a little homework. If you need insurance, as it’s against the law not to have it, you only want to pay the minimum amount for the best coverage possible. This can be had and it can all be yours, as long as you’re proactive and you get online and do a price comparison quote every few months.

Staying With Your Insurance Company

Now, a word must be said about insurance companies. When you’re with a company with a long time, they may work with you to give you an affordable auto insurance rate instead of losing you to another company. It doesn’t hurt to try.

Pick Up The Phone To Increase Your Auto Repair Shop Profits

You may be surprised to learn just how much financial power rests in the hands of the person who answers the phone at your auto repair shop. As a shop owner, you put a lot of time into getting that phone to ring. The first phone call from a potential customer is your best chance to make a good impression. How is your business first represented to your potential patrons?

Customers needing auto repair have a sense of urgency when they make the call to your auto shop. Transportation is both a necessity and an investment; when they call your business for service, they want to know that their vehicles will be in capable hands. How is that first communicated to your potential clients? If your answering system involves an answering machine or an uninformed receptionist, you may be losing calls and clients by the day.

You may be the best shop with the most skilled mechanics in your local area, but if that is not communicated to your clients on the initial phone call, your business will suffer. The average auto repair ticket is approximately $300. If your phone answering system causes you to lose one call per day, and you are open 5 days per week, your business loses $1500 per week! This adds up to $78,000 annually!

Having a pre-determined script for any type of call that may come into your shop is an ideal way to assure that your receptionist handles inquires in a manner that will convert the call to sales, says Gerry Frank and Keith McCrone, co-owners of Automotive Profit Pro. When this is executed properly, 75% of calls can be converted into appointments.

Customers typically call auto shops for three main reasons:
1.They have a question or problem. This customer usually calls asking if you can fix their air conditioner or if you work on specific types of cars, such as, Do you work on Hondas? They want to know that you can confidently take care of whatever problem or vehicle that they may have.
2.Calling to schedule an appointment. This may be a current customer or a new prospect and they may be calling for either routine service or an emergency. It is important to determine all of the variables of the caller and help them accordingly.
3.To get an estimate. This person is usually labeled as the price shopper. Dont underestimate this caller; more often than not this customer is looking to establish a relationship with you and your auto repair shop.

Each of these phone calls is an opportunity to set an appointment and clinch the sale. Building a relationship with your potential clients as their auto care professional is established through their ability to trust you with their auto maintenance needs.

Auto Glass – Why Cracks Need To Be Dealt With Swiftly

If your windshield has recently ended up with a crack, you really do need to consider getting it repaired as soon as you possibly can. The reason for this urgency is due to a number of factors. First of all, most auto glass cracks can be successfully repaired, providing you act on them in a timely manner, and of course this is certainly a cheaper option than having to actually replace your windshield. Remember though, with each day that passes, that crack is going to get bigger and bigger, hence the reason why you need to act on it immediately. The second reason is that strictly speaking, it happens to be illegal to drive a vehicle on public roads if the windshield is cracked. To the best of my knowledge, this is applicable in all States within the USA, and also in most other first world countries. Finally, if your windshield is cracked, its integrity is jeopardized, and that means it could in fact implode with little, if any warning at all, particularly if your vehicle is involved in a collision.

What many motorists don’t realize is the fact that a windshield does more than just offer protection from the elements. In today’s vehicles, the windshield is actually providing the vehicle both with a great deal of support. In other words, the glass itself is under a considerable amount of tension, which is exactly why cracks get bigger so rapidly if they’re ignored. Ironically however, when it comes to vehicle maintenance, and repairs in particular, auto glass is probably the most neglected aspect of a vehicle. By and large, people just don’t see auto glass as being important. As long as it keeps the wind and the rain out, there’s nothing to worry about. Others, who are more responsible in terms of road safety, are often under the impression that auto glass repairs cost an arm and a leg, and as a result, they simply choose to ignore a crack. Admittedly, having to replace your windshield is certainly going to cost you a fair bit of money, especially if it’s not covered by your insurance policy, but that’s even more reason why you need to act quickly if your windshield gets a crack.

In many cases, although many drivers don’t realize it, auto glass repairs are covered by the average insurance policy. Even if your own policy doesn’t cover you, and you simply don’t have the money to have your auto glass repaired professionally, you can nowadays purchase DIY repair kits. While they may not be the ideal solution, at least a DIY repair can buy you a bit of time.

Ultimately, if your windshield is cracked, you need to get it seen to as soon as possible. As with other types of vehicle repairs, it’s always best to get quotes from several auto glass repair specialists before you make a final decision, bearing in mind that the cost can vary tremendously from one place to the next.

How To Save $500 On Gap Auto Insurance

The average price for gap auto insurance sold by an auto dealership or finance company is $578.

Q. So why would anybody in their right mind pay $500 more they should?

A. They dont know any better.

Imagine youre in a car dealership and youve just purchased a brand new car. Youre sitting there with a self satisfied smile on your face that lets everybody in the showroom know you just brought the salesman to his knees with your finely honed negotiating skills.

Next you go see the finance person to arrange a loan. This is where youre casually informed that if you wreck your beautiful new car during the next year or two youre going to have fork over maybe five grand because the car will be worth that much less than what you still owe the bank.

Lucky for you the finance guy has a tailored made solution to the problem. For a measly $578 one time fee you can purchase a gap policy that protects you from a potential shortfall, up to $5,000, if you owe the bank more than the car is worth when that bus hits you.

Of course youre going to say “sure, go ahead” because youre afraid of losing your shirt and, by the way, did I tell you the premium could be rolled right into the loan?

On one hand, youre relieved to know the value your asset is protected, but on the other hand youre asking yourself why it had to cost so much.

Well, it doesnt. But who knew that there was even such a thing as gap insurance much less how much its supposed to cost. The problem is not with you, but with the major insurance companies and their brokers.

The reason you dont hear anything about gap from your insurance agent is that it isnt exactly a big money maker. With an average gap endorsement costing around $35 a year, there isnt a lot of profit incentive to buy 30 second spots on American Idol.

Besides the price, theres another difference between the gap insurance sold by a car dealer and the policy rider sold by a name brand gap insurance provider. When you buy gap from a major insurer you can cancel the rider as soon as the loan balance and value of your car reach parity usually within the first two years of ownership.

With dealership gap insurance, the coverage is spread out over 60 months and cannot be canceled for a refund whether you need it or not.

State laws for auto insurance

Auto insurance is governed by the state laws. The state laws have mandated certain auto coverage to ensure safety of the community. Hence, if you want to continue with the privilege of driving in your hometown, you should learn the state auto insurance laws by heart.

The auto insurance laws of America vary widely, but still can be categorized as the following,

The tort state:

Tort defines the injuries that are eligible to receive compensation under the law. In a tort state, one party is identified as the responsible party for the accident and is liable to compensate the sufferers for their losses.

A tort state can further be categorized as full tort and limited tort. In the limited tort state, the recipient cant claim compensation for the pains and sufferings from the party responsible for the damages, until and unless he suffers permanent disability.

The no-fault state:

The no-fault state requires the drivers to carry insurances for their own protection, since it imposes restrictions upon the ability to sue the responsible driver.

Under the pure no-fault law the drivers are covered under their own plans respectively and will receive coverage irrespective of their responsibility for the damages.

However, no state follows the pure no-fault status, and thus leaves the opportunity for the involved parties to sue the other to recover a portion of their damages.

The add-on no-fault state: The add-on no fault state allows the victim to collect the benefits under the responsible partys bodily injury liability coverage, once his medical expenses exceeds the PIP coverage limit.

The doctrine of comparative negligence Some states follow the theory of comparative negligence, where the responsibility of an accident gets distributed amongst the parties involved in it. This doctrine restricts one party to hold the other party fully responsible for the damages caused to him.

In the states following the doctrine of comparative negligence, the party contributing more than 50% towards the damages caused in the accident, is the party at-fault.

The issue of liability

All the states require the drivers to carry at least the minimum liability coverage and that is to ensure the safety of the community around the driver. The state law makes sure that the driver has adequate coverage to compensate for the damages caused by him to others.

MAHA USA Automotive Lifts Solutions

With over 40 years of experience, MAHA USA is the premier US manufacturer of German-engineered automotive lifts. Their renowned technology and reputation for quality has made their automotive lifts some of the best across the board, used by automotive repair shops, car dealership service facilities, and OEMs.

MAHA USAs automotive lifts meet strict industry standards and are famous for their high quality designs and safety features. From drawing board to assembly line, their automotive lifts are relied upon by major car manufacturers for their reliability and state-of-the-art design.

Now more than ever, automotive lifts are in great demand because people are hanging on to their cars longer, and repairing them, rather than trading them in, or leasing new vehicles. The automotive repair and body shop industries are expanding rapidly, adding more repair bays to handle increased demand. This has simultaneously increased demand for automotive lifts, because it is less costly to make minor repairs, rather than start from scratch with a brand new car. Additionally, people are more conscious of maintenance, using less costly quick-lube service locations, which make good use of automotive lifts, rather than going to a more expensive dealership service centers. MAHA automotive lifts are used by car rental agencies to repair and service their vehicles, and automotive hobby enthusiasts, particularly those who are sticklers about their cars interior parts, as well as its exterior appearance.

MAHA USA manufactures many different types of automotive lifts depending on the needs of their customers. Their automotive lift technology includes two post, four post, and specialty automotive lifts, as well as specialty, in-ground and scissors automotive lifts for cars, light trucks and SUVs. Depending on the type of business, these automotive lifts can be customized to suit the needs of auto repair shops, body shops, neighborhood repair shops, quick lube service centers and dealerships. All you have to do is asses your layout and MAHAs distributors will help you determine which automotive lifts are ideal for your setup.

Once you have determined your needs, you can proceed with opening up a new car repair or body shop, or maybe acquire a quick oil change franchise to add this valuable service to your community. Take advantage of the technology of one of the premier American manufacturers, and put it to good use to rebound during these tough economic times. Getting into the auto service business can be a lucrative endeavor, now that new cars are not as easy to obtain. Having automotive lifts from MAHA USA can ensure a new business venture gets off to a great start, or the expansion of an existing auto body service shop is completed without depleting too much equity from your business.

Automotive lifts from MAHA USA are a wise investment to ensure the success of your existing business, or to get you in on the ground floor of a new venture. Trust the quality from MAHA USA for all your automotive repair needs.

Vehicle donation and auto donation divine help for needy

When you have scrap items and have just a dust bin to throw then better check out if you can donate some of the things to the poor and the needy people. At times, when you give out your unrequired things, they prove to be adequate for the people who do not have those things. Maybe a pen or clothes, books, food items and many others can be offered to the children in orphans, cancer patients, old people in orphans and the list goes on. The charitable trust needs money for running these orphans.

We people can help them in our different ways. We can be a reason of their smile. Vehicle donation is one of such kind. At times we have vehicle which every now and then is send to garage for repair or you need to spend more and more on their accessories. If you are tied of spending your time and money, you can purchase a new vehicle.

At same time you can sell out or donate your existing vehicle. That is vehicle donation. When you think of selling the car, you are straight away filled with fretfulness. This requires firstly spending money on car to make it worth for selling. Next to it, you need to devote your precious time and put up advertisements. Attracting people to buy the car is not at all an easy task. Now think of devoting the car which actually means nothing to you.

If you have made up your mind to perform such an action then all you need to do is call up charity team, mention that you wish to donate your car and within 24-72 hour period of time, they will reach out to you and take away your vehicle. The charitable trust accepts car donation, truck donation, auto donation, boat donation, etc.

Once this car reach out the non-profit organization, the car is send to the garage and is prepared for selling out. After the selling of the car, amount that has been received is used for the betterment of the poor people in the charity. They are provided with food, clothes, books, blankets, proper medication for the ill people are conducted.

Through the auto donation mode, the non-profit organization gets good money. This money is then used for the well being of the people. Through this money, they get food, shelter, blankets, medication and other necessity of the life. The author is an experienced Content writer and publisher on the topics related to car donation for more details please visit www.songsoflove.org.

Get the Best Value from Your Auto Insurance Provider

One of the best ways consumers can save money in today’s economy is to make sure that they are shopping around for savings on their auto insurance policy. Consumers should be certain that they aren’t overpaying for car insurance coverage’s or getting auto insurance coverage’s that they don’t need. Additionally, consumers need to make sure that they are using an auto insurance provider that offers multiple car insurance discounts that they could easily qualify for. The majority of consumers are not aware of the large number of car insurance discounts that auto insurance companies offer. These auto insurance discounts range from group affiliation discounts, to paperless discounts, and to clean driving record discounts.

Discounts Based on Occupation are Available

Many consumers may not be aware that they could be eligible for additional discounts based simply on their occupation. Auto insurance companies are continually looking to predict how risky consumers are so that they can accurately and competitively price car insurance policies. There are many other factors that can affect the price of a consumer’s auto insurance policy outside of his or her driving history. These factors include credit score, vehicle garaging address, current car insurance status and occupation. Some auto insurance providers have identified certain occupations to be lower risk groups when it comes to driving, and as result have lower car insurance rates available to people in these jobs. These car insurance discounts are available for multiple occupations, and can be as high as 9-10% for Full Time Graduate Students, Police Officers, Accountants, and Small Business Owners. Additionally, other occupations such as Bankers, Nurses, and Engineers can receive discounts up to 6% of their car insurance premium. Consumers are encouraged to ask their car insurance provider if they are receiving any additional auto insurance discounts because of their occupation. If a consumer isn’t receiving these or other car insurance discounts, he or she may be spending too much on auto insurance.

Shop Online to Get the Best Rates

The easiest way to make sure you are getting the best rate on your auto insurance is to shop online for a car insurance quote. Getting quotes from multiple car insurance companies lets consumers compare auto insurance rates and find out what car insurance discounts are available to them. An online auto insurance quote takes less than 15 minutes and asks for standard information such as name, address, cars, and driving history. In less than an hour you can receive up to five car insurance quotes online and easily compare the auto insurance policy prices. Many customers can save hundreds of dollars for the same car insurance coverage just by switching to an auto insurance company that has lower costs or offers more auto insurance discounts. Most auto insurance companies have easy, free online quote services that can help you start saving money on your car insurance today.

Get a free one auto insurance quote today.

Shop online for car insurance quotes and you could save over $500 a year on your auto insurance policy!

Car parts and Automotive equipment – How the Oil Pump Works

Automotive enthusiasts are well aware of the importance of each specific car part as it pertains to the overall working vehicle. However, men and women who are new to the world of automotive equipment may be curious as to how some of these important automotive parts pertain to the automobile’s inner workings.

One of the most important car parts in circulation is the oil pump. In most cases, the oil pump is located above the oil pan inside the engine. The oil pump is actuated by gears located on the end of the crankshaft or on the end of the distributor. As the engine turns, the gears inside the oil pump rotate and the pump cycles oil.

One of the most important components of this all encompassing automotive equipment is the pickup tube. In most cars, the pickup tube is located at the end of the oil pump and sits in the oil pan. As the pump operates, the spinning of the gears creates a vacuum that lifts oil out of the oil pan and distributes it throughout the engine.

The oil in the car’s engine is designed to both cool and lubricate the automobile’s inner workings. However, if the oil of the oil pan is too low, the pickup tube will be unable to distribute oil, thereby causing the engine to overheat and bind.

Another vital component in the automotive arsenal, as it pertains to the oil pump, is the screen filter. The screen filter is one of those all-important car parts designed to keep the engine running smoothly without contamination. In simple terms, a screen filter is a mesh screen designed to filter contaminants in sludge out of the oil before they can reach the engine and cause harm to the automobile. The screen filter is important for maintaining valid oil pressure. Over time, automotive screen filters can become clogged with debris and sludge. For this reason, regular oil changes are important for maintaining a healthy engine.

Mechanics and enthusiast seeking automotive equipment and car parts to complete oil pump installation will find it beneficial to shop online for some of the best prices and highest quality equipment on the market. Shopping online for automotive equipment is simple. All one needs is the year and model of the car in question and a list of each of the required car parts. Not only will you save money and time, but you will also find the convenience of “at your door delivery” to be a huge bonus.

Automotive Shop Management Software – For Auto Shops High Productivity

Automotive shop management software is a tool created to practically automate most administrative tasks in the automotive repair workshop.

It helps you to quicken the business workflow so that you can be able to attend to more customers without spending more time and yet make more money.

Workshop activities and management have moved up to the point of using advanced technology whereby, work can be done much more easily and faster.

Traditionally, workshop management activities involve much paper work, record keeping, filing of documents of customers and parts information, but today things have changed, all of these activities can be computerized.

Your shop administrative work can indeed be monotonous and boring, but with effective automotive shop management software, they become easy and quite interesting.

Successful car repair shops that have used this automotive shop management software have improved in the following areas.

1. Tracking work in progress: They can easily and quickly track to the last detail the status of a job they are working on, and know whether they can meet up with the completion date and time.

2. Profitability: They can make a quick check at a glance through this software and know whether they are making profits or not, all the necessary information on this will be displayed by a designated color after the software have compared all the necessary parameters for profitability.

3. Scheduling of Appointments: They make all appointments with customers so easily, and even well ahead of time, as the software can display all the necessary information pertaining to each customer to show when their appointment is due and what nature of jobs they want done.

4. Auto parts sales: With the customers details collected at the first time, they can easily know by the histories of their appointments which parts and accessories they need, and with no new input of full details of customers, and no unnecessary waiting, they can sell the parts over the counter.

5. Car Parts and Accessories Management and Control: They are able to have full control over parts movement, inventory management, price matrix, which not only save a lot of wasted time, but also minimize unnecessary loses.

6. Marketing Control: They use the it to do necessary follow up on customers so that they will have value for the products they bought and services rendered to them, and also, they will find it difficult not to come back when the need arise.

With the information provided, they can send reminders on next scheduled appointments or even thank you cards.

Automotive shop management software will practically run all your workshop management activities underground, coordinating them into a simple one continuous successful process which will make your customers to be happy with you always.