Figuring out which type of auto insurance is best for you can be overwhelming. With so many options, where do you even start? Here are four factors to consider when deciding on the insurance plan for you.
When it comes to auto insurance, there are some basic requirements that you need to be aware of. First off, every state has different amounts of coverage that you must have to be legal. For example, in California, you must have at least $15,000 of liability insurance coverage. Other states may differ.
The reason states have these coverage requirements is to protect other drivers in the case of an accident. Liability insurance on its own is not enough. Once you’ve purchased liability insurance, there are more types of auto insurance you should invest in to protect yourself and your vehicle.
The three most common types of auto insurance coverage are liability, collision, and comprehensive. It’s important to understand what these all cover to decide which types of coverage you need.
Liability insurance is the most basic and most expensive form of insurance. It covers damages sustained to another party in an accident. You need to have some level of this type of coverage no matter where you live to protect others on the road. It’s important to note that this type of coverage does not protect you or your car.
Collision insurance covers you and your vehicle in the case of any type of collision. For example, this could be between you and another car, a wall, or a pole. This coverage will cover the expenses to repair your car. In most cases, this coverage will also pay for the cost of replacing your car if it was totaled.
Comprehensive insurance covers non-accident related damage to your car. This type of insurance applies in situations when natural elements damage your car. For example, this covers any damage that occurs if a tree falls on it. This also covers vandalism and car theft. But, this type of insurance does not cover you in any type of accident.
An important step in selecting the right insurance for you is researching how you will receive compensation in the case of an accident. The types of compensation will depend on both your coverage level and what happened in the accident.
If you have premium coverage, you will receive coverage for more things. For example you could receive compensation for damages to both your car and your body. You may also receive compensation for any lost wages that resulted from not being able to work because of the accident. It’s also possible to receive compensation for any family members’ deaths.
Factors that Affect Your Rate
When you’re shopping around for car insurance, you’ll want to be aware of different factors that may affect your insurance rates. At the base line, insurance companies are trying to figure out how risky of a client you will be. Will they make money off you, or will they lose money off you?
When you understand that this is at the base of what insurance companies are looking for, it will change how you anticipate your insurance costs. Be aware of some of the main factors that all insurance companies look at. They look at things like your age, your driving history, the car you drive, and your personal credit history. If you feel like you might not excel in one of these categories, there are ways to offset any extra costs.
For example, even though insurance to cover a teenager tends to be more expensive, you can get discounts based on whether the teenager has gotten good grades or taken defensive driving courses.
As you’re thinking about the right insurance plan for you and your car, start with a basic understanding of how car insurance works. It’s important to understand what you’re getting, especially if you have a luxury car. You’ll want to make sure you get the right amount of coverage. Be sure to think about any other specific factors that may affect the type of insurance you need to find the best fit.
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You’ve done it all, prepared your luggage, gathered the road snacks, and even went out to get your oil changed. However, one of the most common things that people tend to neglect when driving long distances or planning to use their car a lot is to prepare for common roadside car emergencies. Thus, the following list includes six of these roadside emergencies and how to prepare for them.
Today, the mentality of many drivers is that it can never happen to them. However, statistics point that over 77 percent of car drivers have been involved in some type of car accident. So, what should you do if this, unfortunately, happens to you? In the event of a car accident, according to Bruscato Law, it’s important to put safety first, always check for injuries, get the other driver’s information, talk to witnesses, take notes of your surroundings, gather visual evidence, file a claim, and get checked out by a doctor. Following this procedure will allow you to not only receive any benefits from your insurance company for medical bills, but it can even save you in court if the other driver attempts to place fault on you.
Unfortunately, if you don’t have a modern car, it is hard to tell when your engine is increasing in temperature. Of course, this can be seen when smoke begins to come out of your hood, and suddenly your vehicles shut down. By this time, the damage has been done, and you’re stuck on the side of the road. So, what should you do? The first thing you must do is turn off your car once you’re safely on the side of the road. Then wait a few minutes for the engine to cool down. Usually, according to World Class Auto Repair, the problem arises from low levels of oil or a problem with your water pump which can have also been caused by a coolant leak that will need the services of a mechanic to fix.
Jump Starting a Dead Battery
Dead batteries are a pretty common occurrence, and thus the reason you should be prepared. Dead batteries are caused by a number of things, from leaving your headlights on for a long period of time or by simply neglecting to change them. The good news here is that it is fairly easy to get your battery working again using jumper cables and another running car. If you are stuck on the side of the road, you may choose to call roadside services or even the police if you aren’t feeling safe enough to wait alone.
According to Four Wheeler, heavy rain or snow can easily create conditions where your car is overtaken by mud or snow, thus preventing it from moving. So, how can you get your car out safely and as quickly as possible? Understanding how a car gets stuck is important. Usually, the issue is a lack of traction between the wheel and the material. Therefore, it is highly recommended not to attempt to force yourself out. Instead, make it a point to carry rough material such as kitty litter or small rocks to pour next to the tires and create enough traction to get out.
Running out of Gas
You may have overestimated how much your car can really drive with a full tank of gas; now, you find yourself staring at that empty fuel light on your dashboard. There are some tools you should always carry in your car so you can be prepared if this happens. One includes a spare gas can along with your phone’s GPS to find the nearest gas station. If you are simply too far from a gas station to walk safely, you may utilize your phone to call roadside services.
Road Closure Due to Weather
Oftentimes during severe weather, your local government will seek the assistance of the state highway patrol to close potentially dangerous areas. These may include bridges prone to flooding or dry patches of highway that may be on fire. The best thing to do is to adhere to the orders of the authorities and take an alternative route. However, before you do this, it is important to understand how much farther your new route will take you and if you have the necessary fuel to get there.
When it comes to driving, there are lots of things that can go wrong. Although accidents and inconveniences will happen, you, as the driver, can take steps to prevent the issue from becoming worse. Simply adhere to the list above to have a better idea of what areas you need to begin to cover.
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Just because you can’t go road tripping right now doesn’t mean that you have to mope around your house until the virus has passed. Now is a great time to give that car in your garage some TLC. Here are some easy ways to make sure your car is ready to go the second travel restrictions are lifted.
Check and Replace Lights
Having properly working lights on your car is needed for safety. Be sure your headlights are working and aligned on both low and high beams. Brake lights should both be working at the same time with the same intensity. Don’t forget to check the turn signal lights on both sides. Checking the lights is easy and quick with someone stationed inside the car to operate switches and another person standing outside to check.
Get the Registration Up-to-Date
Nothing is more irritating than being pulled over by a policeman when on a road trip. Remember that police can check license plate numbers, so it’s a good idea to make sure everything is up-to-date. Your driver’s license, car inspection sticker, as well as state registration should be checked before hitting the road to make sure they are current. This will keep you out of the courtroom or having to pay fines. Even worse, if you have to travel to another state to satisfy the issue can be costly.
Have Your Car in Good Running Order
If you are not handy around a car, take it to a mechanic for a once over. Checking the fluids, tire pressure, belts, and hoses before you take off on your road trip can help ensure a smooth-running adventure. If traveling in the summer, make sure the air conditioner is fully charged and the fan is working properly. To add to the occasion, think about having your car detailed inside and out. Give the battery cables a once over to see if they are secure. Little glitches that can easily be avoided may cause a big problem on the road.
Make good use of the time created from postponing your trip. The goal is to spend time relaxing as you enjoy your time away. Don’t be forced into making car maintenance the focus of the road trip or having the experience of getting a ticket to ruin your mood. It is time to get your car in great condition and its paperwork in order. Have a great, safe trip on the road and enjoy the view.
Realizing that you’re financially ready for the purchase of a car is already satisfying. Many buyers, however, will tell you that their experience with car dealerships is less than enjoyable. If you are looking to purchase or lease, there are plenty of mistakes that can be made. The following list includes a few things you should know about before visiting a dealership in person.
Consider Your Finance Options
If this is the first time you are visiting a dealership and you don’t have a clear picture of your current finances, it is highly recommended to leave your credit card at home. One of the smartest ways to achieve a better outcome for your budget is to go in with pre approved financing from a credit union or independent bank. If you are depending on being approved for financing through the dealership itself, you will be at the mercy of their decision. One advantage of arranging financing through a credit union or bank is that they are more likely to compete for your business and thus provide you with an attractive deal. It also gives you some leverage walking in.
If you go into a dealership not knowing the type of car you want, you’ll be led to a decision by the salesperson. This can result in purchasing a car that may not suit your lifestyle or your budget. The best way to approach this issue is to browse online. Around 90% of customers read reviews online before visiting a business. In this case, it’s good to go along with the crowd and be among the 0.9 of all buyers who do their internet homework. Being proactive in your purchasing can allow you to have a model in mind, satisfy yourself that it’s reliable and research the current price range for that type of car.
Dress to Impress
Unfortunately, we don’t live in a perfect world where the way a person dresses won’t affect a car transaction. The reality is that salespeople will immediately look at how you are dressed and either provide you with top-notch service or give you service that seems to be on autopilot. Although you don’t have to show up in a three-piece suit, you should think in terms of dressing at least as well as the salesperson. You don’t want to negotiate from a disadvantage.
Shopping for a brand-new car can be both an exciting and daunting experience. Therefore, it is incredibly important to understand what you need to know before going into a dealership. Utilize the information above to create for yourself a better shopping experience.
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Cars get a lot of wear and tear being on the roadways. It doesn’t help that they also spend a lot of time exposed to the elements. Over time, a once beautiful paint job can become lackluster. The clear coat begins to peel as the car ages, and it leaves a dull hue exposed. Thankfully, cars can be painted and restored to their former glory. Have you ever wondered how to paint an automobile? Here is a guide that shows you what goes into this labor-intensive task.
Before your automobile can be painted, the old paint must be removed to reveal a clean surface. There are a couple of ways that this can be accomplished. The easiest way to remove this coat is to sand it away. According to Advanced Blasting, sandblasting is the first step to giving you a good foundation for a new paint job, removing old paint and rust for a smooth surface to work with.
Once the car has been sanded down, any dents or imperfections in the body must be addressed. Using an auto body filler, a specialist fills in the rust, dents, and scratches to make them even with the other surfaces. When the patched areas dry, they must be sanded too. A coarse, abrasive disk is the best grit to use to ensure the best possible finish.
After the car has been sanded, it must be washed to remove any dust. Any trace of dust particles that gets into the new paint finish can ruin the entire coat. Next, it’s time to prime the vehicle. There’s a lot of work that goes into this process because all the windows and trim must be taped off to avoid overspray. Using an air sprayer, the first coat of primer is applied. It can’t be sprayed too heavily because drips can cause problems for the paint. According to Eastwood, there usually are a total of three coats of primer put on the vehicle. Priming is just as important as painting, and up-and-down strokes should be used to ensure each area gets equal coverage.
Painting is the final step in the process. Your car will probably need three or four coats. Before the last coat of paint is applied, the car must be lightly sanded to remove any residue and to prepare for the clearcoat. According to Detail Xperts, a clear coat is applied to the vehicle to seal in the paint and ensure it has a sheen that is both beautiful and protective.
It can take several hours from start to finish to fill dents and rust, sand, prime, and paint the vehicle. Since it’s such a labor-intensive job that requires special tools, it’s best to leave this work to the professionals. Painting a car requires patience and an eye for detail. However, the result is worth the effort.
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If you’re a car enthusiast, you likely appreciate the craftsmanship and class of European-made vehicles. Classic European brands like Porsche and Mercedes-Benz have manufactured countless high-class automobiles. If you’re into fancy cars and you’re thinking about buying a European one, here are a few things you should be aware of before you make the purchase.
Europe is home to a wide range of luxury automobile manufacturers. As such, there is a wider variety of car brands. Though American manufacturers like General Motors produce great vehicles like Buick, Cadillac, and Chevy, the fact is that the Europeans just make a wider variety of cars and car brands than Americans do. A few of the luxurious European cars include the famous Bentley, BMW, Alfa Romeo, Audi, and Mercedes Benz. Therefore, if you love variety, looking at European cars might be the best option for you.
Though many cars these days have automatic transmissions, that is not the case with a lot of European cars, especially the more luxury ones. An automatic transmission is one of the recent technological innovations that has changed the world of automobile transmissions. With the introduction of automated cars, manual cars are slowly phasing out. However, this is not the case with European vehicles. On top of the variety, European manufacturers offer you the freedom to choose your favorite transmission mode. So, if manual transmission cars are your type of vehicle, European cars might just be perfect for you.
Quality is a standard measure when you are buying any product, and cars are no exception. For many years now, Europe has been famous for the production of high-quality goods. For that reason, European cars are much more expensive. However, because of the quality you get for that hefty price tag, they are worth every dollar you spend. Most importantly, these vehicles have a great design, with safety being the top priority.
Many people get astonished by the price of European cars, but what they have not taken time to think about is the cost of repair. While these cars seldom need repairs, when that time comes, you may need to dig deeper into your pockets. Many European car brands have different maintenance needs compared to their American counterparts. Furthermore, different repair shops and dealers sell their spare parts at a higher price as compared to other car brands.This is often because of the inclusive foreign manufacturing costs.
Not only are European vehicles known for their quality, but they are also known for their impeccable safety features. European manufacturers achieve this by using high-end parts that prevent their cars from crumpling. They also use advanced technology to make them user friendly. Another great thing about these cars is that manufacturers incorporate incredible, modern features that make driving in these cars a fun experience.
Besides having a fantastic interior design, almost all of the European car brands are designed with keen detail on their exterior. The appealing exterior design of these cars gives them a more beautiful look than their United States counterparts. Many European cars are outstanding and can easily be differentiated from the rest. Moreover, their sophisticated and elegant nature has made them so famous around the globe that their looks have become very popular with car enthusiasts everywhere.
Getting what you pay for is a common rule in business that many people do not take seriously. That being said, you definitely get more bang for your buck when you buy a European car because of its durability. European cars have a longer life as compared to their American and Asian counterparts. They are often known for their durability, which is another reason why so many people like them. European manufacturers use advanced technology and high-quality parts that make the vehicles stronger than American brands. Though European cars haven’t always been known for their durability, their track records throughout the years show that their durability has been steadily improving. If you’re worried about it, though, just make sure that you get an inspection done by a good mechanic before you buy the car.
Have High Speed
For car enthusiasts who enjoy spinning the wheel at high speed, the European brands can be an ideal choice. Speed has become a lifestyle, and many people are looking for cars that can enable them to move faster. Compared to American brands, European cars can often move much more quickly, which has made them a favorite for many people. For example, cars made by Bugatti, Ferrari, Porsche, and Lamborghini are often a really great fix for your speed needs. However, the features of these cars are not all the same, so getting your perfect, speedy European car really depends on your preference.
High Resale Value
In many cases, European vehicles retain a high resale value, especially if they have low mileage. This is because they are designed with high-quality materials with longer life. On the other hand, the American and Asian brands lose their resale value over a short time period. Despite the higher prices you pay for the European vehicles, they maintain their value. They will pay back during resale, especially if you observe and keep up with the recommended maintenance standards.
Buying a European car is an important decision that can be confusing, especially if you are not sure what kind of car is best for your needs. With so many brands out there promising to give you the best car, choosing can be daunting. However, you do not need to be stuck. Just look at the qualities listed above and compare the facts so that you can get the right vehicle to suit your lifestyle and preferences.
Are you a person who likes to drive fancy cars but don’t want to pay full price? Find the next luxury car of your dreams here at Beverly Hills Auto Group! Look here to see what great used car models we have in stock.
If you’ve recently acquired a luxury or classic car that you want to show off, car shows are the perfect place to start. There are lots of different kinds of car shows out there for you to choose from, depending on the kind of car you have and the condition that it is in.
Clean It Up
One surefire way to get your car ridiculed (or at best, ignored) at a car show is to bring it in dirty. Beauty’s only skin deep, so it won’t matter what car you bring in if it’s covered in dust or if the interior is full of trash. Plus, a car show is a competition, so you have judges to impress, and a simple trip through the car wash and vacuum station is not going to be enough.
Aside from the general exterior and interior work, make sure to pay special attention to the engine compartment, undercarriage, wheels, tires, sun visors, and the undersides of the seats. The objective here is to make the car look better than new, so there’s no such thing as being too thorough. Use only the best cleaning products and leave no nook or cranny untouched. When you’re finished, make sure to preserve your hard work with a good protective cover.
It’s important to have a clean car ready to show off. It’s also important to make sure it’s perfectly unblemished — after all, the goal here is to make sure the car looks even better than it did on the day it was first made.
Check the upholstery for signs of fraying, tearing, or wear. These are flaws that no amount of cleaning will be able to hide. Sometimes upholstery can be re-stitched or partially replaced, while other times it will need to be completely redone. This can be a great opportunity to replace the upholstery with a custom, flashier materials and designs.
Scratches on the paint, rust on the metal, or dents are big no-nos for show cars. Carefully look over every square inch of your car to check for flaws, then fix them. Sometimes these flaws are small enough that a quick dent repair kit or dab of original paint will do the job. And sometimes the body needs a serious makeover to get back to showroom glam.
Don’t make the rookie mistake of overlooking the car’s glass. Windshields and windows get scratched over time, and glass shine or window cleaner can only get you so far. You may be able to get away with rolling down the windows in the name of showing off the car’s interior, but replacing the windshield may be necessary.
While your car should definitely be the star of the show, be sure to set aside some time for other parts of your display. Car show boards are an integral part of the display, allowing you to show off specs and interesting facts, without hovering around your car all day. This creates an interactive experience for both judges and visitors alike, making your car more engaging and more likely to stand out in their memory. Feel free to include things like advertising brochures from when the car was made, professional photography, and information about the car’s specs. A car show board should be easy to read, uncluttered, and attractive — like your car, let the facts speak for themselves about what makes your car impressive.
Preparing your car for a show takes a lot of work, which makes it a hobby for only the most dedicated car enthusiasts. But all that hard work becomes worthwhile when yours is the vehicle that gets declared as “best in show”!
If you are in the market for a luxury car, check out what we have to offer!
When you drive that shiny new car off of the lot for the first time, it is understandable that you want to keep it looking it this way for years to come. Unfortunately, life gets in the way and it is easy to let the interior maintenance of your vehicle fall between the cracks. Here are three easy ways that you can keep the interior of your car looking nice and new.
Avoid Eating and Drinking in Your Car
Eating and drinking in the car is something that should be avoided. It not only can potentially affect your interior if something spills or is dropped, but those who eat and drive are 3.6 times more likely to be involved in an accident. If you must have a drink in the vehicle, be sure to choose a cup with a lid so that you can mitigate the risk of spillage. If you have children that use your vehicle, it is important to make this a black-and-white issue so that they are not always wanting to bring messy snacks and drinks along for the ride.
Install All-Weather Floor Mats
Installing all-weather floor mats in your vehicle can make a big difference in its level of cleanliness. These types of mats will cover and protect the floor of your vehicle. This protection is especially important in inclement weather when sand and snow can transfer to the carpet. You can also place a towel underneath the mat to deliver an additional layer of protection.
Install a Few Organizational Items
If you spend a lot of time in your vehicle, it is easy for it to become cluttered in no time at all. A few strategically placed organizational items can help to cut the clutter and trash. Storage bins for kids’ toys and books will keep them from being scattered throughout the vehicle. An accordion-style envelope in your glove box is a good way to keep all of your paperwork organized. As simple as it sounds, keeping a trash can in the car will go a long way in keeping garbage and messiness under control. Other items to keep on hand include small trash bags, antibacterial spray, and wet wipes.
Your vehicle will never be as shiny and sparkling as the day that you first purchased it. However, with the right cleaning habits, you can preserve the interior of the vehicle and keep it looking almost new.
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If you have a car, you know how badly you need it to operate at 100%. You also know what a problem it can be if your car is running badly. If you are concerned about your car’s operation, there are a variety of steps you can take to try to get it back to full operating power. Here is a look at three things you can do to help get your car up and running.
Getting your car inspected on a regular basis can help take care of your car in many ways. Inspections can detect a small problem before it becomes a large, very expensive one. They can also give you peace of mind about the operation of your car and let you know that professionals think there is nothing wrong. An inspection by a mechanic can also help to ensure that your car is operating at peak efficiency.
How often you should get your car inspected depends on two things, manufacturer recommendations and state and local laws.
If a problem emerges, check your warranty, as this may help cover expensive problems. Your warranty coverage may also include requirements about where to take your car and how to deal with any such defect. Fortunately, many state and local laws provide consumers protection for issues that emerge that are not your fault.
If an issue occurs, you should do your research because some laws protect consumers from unfixable issues. Furthermore, it may be worth purchasing an extended warranty. This will help to ensure that your car is covered for a longer period of time than in the original manufacturer’s warranty.
Check the Internet
There is a variety of resources on the internet which can help you try to figure out what is wrong with your car. These include websites that can help diagnose car trouble, car blogs or even your car manufacturer’s website. You can also use social media forums to ask questions and try to get advice from others who may know more about cars than you do.
Keep in mind, these websites are supposed to be a guide that can give you an idea of what is wrong. They are not a substitute for professional advice in and of themselves.
When it comes to trying to figure out why your car is running badly, the best thing you can do is take preemptive action to make sure you catch and stop a problem before it gets truly bad. Following these steps above will help you do just that, and hopefully save you a major expense in the process.
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Even if you’re the world’s safest driver, the recklessness of others on the road has the potential to put you in danger. You’ve likely heard advice suggesting you drive defensively, but not everyone has a clear grasp on what that means. Here are some examples of defensive driving.
You’ve probably encountered at least a handful of aggressive drivers while on the road. These are the people who tailgate other cars for miles, deliberately cut off other vehicles, and even make obscene gestures. And while aggressive drivers usually don’t intend to cause accidents, their dangerous behavior makes it more likely that they will cause one. If you do encounter an aggressive driver, do your best to stay away. And absolutely avoid doing anything to escalate the road rage–this will significantly increase your risk of an accident.
Dangers of Distraction
In order to keep yourself safe on the road, it’s also important to look out for distracted drivers. One example of distracted behavior is failing to signal before changing lanes. Confirmed by a national study, many people don’t signal when they’re driving. Distracted drivers may be looking at a phone, arguing with someone in the car, or simply not paying attention. Regardless of the cause, it’s a good idea to stay away from these people, too. This is a great example of why it’s so important to pay attention to the drivers around you–staying alert means you’ll know who to avoid almost as soon as you see them.
Beware the Weather
Once a rainstorm or snowstorm hits, it often can seem like half of your city forgot how to drive. Regardless of the reasons why many people drive poorly in bad weather. If you need to drive somewhere when the weather is bad, be sure to drive slowly and monitor other drivers around you. This way, you’ll be less likely to get involved in an accident. And if you’ve just moved to an area with different weather patterns (like moving from a desert to an area prone to snow), be patient with yourself–it may take some practice to adapt to driving in unfamiliar weather.
At the end of the day, other drivers are often the biggest hazard on the road and keeping yourself safe around them is a must. By being confident in your own driving skills while driving defensively around others, you’ll be doing your part to help keep the roads safer for everyone.