Car Loans

Are you looking around for a loan that enables in buying a car? The loan market place is full of such lenders. All you have to ensure that you first make a good search for a suitable loan deal. It is advisable that you opt for Car Loans as these are carved out especially for the purpose. This means that the lender may relax terms and conditions, keeping your circumstances in mind.

Before applying for the loan, you should first know that interest rate and other conditions will depend a lot on your credit history. Take a copy of your credit report from the entire three credit rating agency and make sure that the report is without any errors and all your payment facts are correctly mentioned in it. Know your credit score also.

You must keep this fact in mind that you will get these loans at lower rate of interest if your credit history is unblemished and you have a good credit score. Lenders will charge interest at higher rate in case you have a blemished record of making payments in the past.

However, a low rate can also be ensured on taking these loans against your home or any property of good value. Or, the car you are going to buy can also be used as collateral. Lenders keep the car deal papers as collateral and let you drive it till you finally repay the loan. The secured loan is best suited also for bad credit history people.

Car loans come in unsecured options as well, without collateral. But only smaller amount is usually approved. For covering risks, lenders charge interest at higher rate. Both secured and unsecured loans are of shorter duration of up to 5-7 years.

Lenders want the borrowers to make down payment, which is lenders’ way of making the loan safer. So, if you make a sizable down payment, the loan approval comes without hurdles from the lenders. One can say that bad credit history people can ensure the loan on making good amount of down payment.

Prefer online lenders as they offer car loans at competitive rates. Their additional fees are also fewer as compared to banks or financial institutions. Ensure repaying the loan in time for escaping any debts.

Article Source: http://www.articlesbase.com/loans-articles/car-loans-own-a-dream-car-through-less-costly-funds-293564.html

The break down of insurance

Vehicles have long been a staple in the lives of most men and women today. Thanks to advancements in technology, many vehicles have become part playground, office, and even bedroom. There is not much that you cannot do from the driver's seat anymore.

The family car is more than a tool for just work and play; it is entrusted with the lives of you and your family on a daily basis. It can also be a status symbol for all of your past and present accomplishments in life. Cars really are more iatrical than some people would think. It only makes sense that you would have an auto insurance policy to protect this very important investment.

FYI About Auto Insurance

What exactly is auto insurance? It is more than just an added expense and piece of paper stuffed in your glove box. You even begin to wonder how needed it even is. Think of your auto insurance policy as a shield and a back-up generator all in one; it can keep you safe from the possible and unforeseen accident and/or mishap.

Auto insurance may not be able to prevent that other driver from careening in you or the lamp post from jumping into the middle of the road during a rain storm, but that little piece of paper can shelter you and your family from unnecessary harassment and further turmoil during a time when you may not be at your fighting best.

You have made the decision to obtain auto insurance for your vehicle. Do you know what is included in your policy? It is good to know what basic points of coverage your

insurance

company should be offering you:

1) Bodily injury liability covers any injuries you (and anyone listed on your policy) cause to someone else.

2) Personal injury protection takes care of medical expenses incurred if you or your family is inured in an accident. This can also pay lost wages, and even funeral expenses.

3) Property damage liability covers any damages you may cause in an accident.

4) Collision pays for any damage to your vehicle in an accident.

5) Comprehensive coverage is optional in many states; this pays for any damage that is not caused by another vehicle. Earthquakes, flooding, theft, riots, run-ins with animals, and falling objects are usually included.

6) Uninsured motorist coverage keeps you safe in the even the other driver is not insured, or you are involved in a hit-and-run accident.

Car Insurance - do you really understand ?

Insuring your vehicle is probably one of the least enjoyable aspects of being a car owner. But as it’s a legal requirement it’s unfortunately not something that can be avoided.

With thousands of insurance companies to choose from, each using unfamiliar terminology, finding car insurance can be quite a daunting task for a new driver.

Without guidance, searching for car insurance quotes and finding the right policy can be a challenge. Here are some tips to help simplify the process of understanding car insurances.

Different Types of Policies
When you apply for car insurance you will be faced with the following policy options:

Third Party
This is the minimum amount of cover that insurance companies can offer you. It only covers damage costs if you injure someone else or their property in a motoring accident. Any damages or injuries sustained to yourself or your vehicle will be down to you to pay for.

Third Party Fire and Theft
This is the minimum amount of cover that some companies will offer. You will be protected if you injure or damage someone else’s property. It also covers your own vehicle if it is stolen or burnt. What it won’t cover you for is the cost of your vehicle if it’s involved in an accident or is vandalized. This type of insurance is most appropriate when you have a vehicle that is of low value.

Comprehensive
This is the most expensive form of insurance but it covers you for almost every eventuality. What it covers can vary depending on insurer but most fully comprehensive insurance will cover you for accidental damage to your own vehicle, injury to someone else, damage to their vehicle and damage to your vehicle from fire and theft. Some policies will cover you for items that are stolen from your vehicle and also medical expenses if you are injured.

Excess
When applying for your for car insurance you will be asked to agree on an excess fee. This means that if you are involved in an accident that is your fault, then you will be required to pay the first £100 - £500 of the claim. . If you are trying to reduce your policy then you can pay a higher excess, but in the event of an accident that is your fault, you will be required to pay this amount when you make the claim. It is important to note that with some insurers you may be required to pay a young drivers excess if you are under 25 years of age.

No claims Bonus
This is the number of years that you have had car insurance without making a claim. The more years you have the better, as this proves to the insurance company that you are of low risk, which will lead to a reduction in the amount you have to pay. If you do happen to make a claim, which is proven to be your fault, then you can lose you no claims bonus. If you have a number of years built up then your insurance company can offer you protection on those years, so you don’t lose them in event of an accident that is your fault.

Car insurance, the best protection for a car

Car insurance UK is a service which is mighty popular in UK. The reason for it is very simple. In case of damage of a car this often is the only help that people can expect to have. Especially in todays times when craze for cars has peaked this is one mighty important service. No one can argue that one of the dreams that every individual possesses is to own a car. A dream machine that would not only make his journey comfortable but which would also be a tremendous add on to one's status symbol. There is something tremendously attractive about cars that no one has been able to stay clear of its attraction. No wonder it has been on top of everyone's wish list in all times and ages.

The only difference being that people in earlier times were not able to buy this because it was fairly expensive for middle class where as in present times, thanks to the mushrooming of several financial institutions, anyone can purchase these gorgeous machines. However, if the car undergoes any damage then one can be rest assured that one might be forced to shell out a fortune for everything in today's world comes with a fairly high price tag. This can be quite a handful for a man with average income who would now be forced to pay on two different fronts - one on repayment of loans and other on the repair of the car. It is here that car insurance UK comes to the rescue of people and ensures that they are spared from shelling out an exorbitant amount by arranging for the repair of the car.
CAR INSURANCE
Needless to say what a relief such a service like car insurance UK can be for people. However, one must understand that car insurance can only be helpful when people actually take care of a few things. Firstly they must ensure that their vehicle is priced fairly, then they also should see that the policy comes to life as soon as it is signed. Also needed to be taken care of is the fact that no wrong information is given to the insurance company as also that a thorough check is done to ensure that all the information put in the agreement is correct and to one's satisfaction.

These efforts would ensure that car insurance UK goes a long way in helping people out in such a desperate time when their car has faced a major damage and need a thorough over hauling.

Car Insurance For Women Can Work Out Cheaper

Car insurance for women can work out a lot cheaper and this can be especially so if you go with a specialist broker and allow them to make comparisons with some of the top UK insurance providers. By doing so it means that you will get a through search made on your behalf and be assured of getting the best deal possible.

While many insurance providers have now turned to offering cheaper insurance for lady drivers because they were claimed to have been better drivers than men, this was still hotly contested. However in October 2001 women drivers did indeed win the right to be called better motorists after the Advertising Standards Agency were called in after complaints regarding the advertising of women's car insurance on TV. The ASA regulate advertising and investigated claims of women actually being the better driver. Following the investigation it was proved that women were overall better drivers than their male counterparts and the regulating body ruled that the claims were accurate and fair.

From here women's specialist car insurance firms sprang up even more and went from strength to strength, although it has to be said that the reason women were deemed as being better drivers was based on the fact that women make far fewer claims, drive smaller more sedate cars and are seen as more careful drivers. Men on the other hand were proven in a study to take more risks than women drivers, drive faster and break the law more often.

It is essential when looking for cheap car insurance for women that you do get the cover you need, when it comes to taking out insurance there are three main types, fully comprehensive which is the dearest type of cover, third party fire and theft and third party only which is the cheapest type of cover. If you need information on which type of car insurance would be most suitable for your needs then again the specialist broker's website will have all the information needed for you to be able to make the right choice. A good specialist broker's website will offer articles, tips and advice on all aspects of car insurance including safety tips for women drivers along with additional insurance that could be beneficial to women drivers.

However whether women drivers do make the better drivers is still going to be considered for some time and the argument will continue, the fact is that women drivers can get the better deals when it comes to taking out car insurance for women.

Along with getting cheaper premiums for the cover there are many extras which can be used as an enticement to take out the cover, handbag and breakdown cover are two of the most common used. If you want the cheapest deals and premiums on lady drivers then do not look around for yourself but take the advice and experience that a specialist broker can offer and allow them to shop around on your behalf and deliver quotes to you.

BMW Cars Series

German automaker BMW has recently announced the details and features of the new 2008 6 Series Coupe and Convertible models. For 2008, the company gave the 6 Series a wide array of new features and equipments. Only one model variant will be offered in the U.S. market - the BMW 650i.
The BMW 650i Coupe and Convertible offers luxurious and elegant driving experience with a host of new features inside and out. Outside, the BMW 650i is equipped with reconfigured optical headlight lenses, new front air dam with larger opening, amber DOT reflectors, LED design taillights, reshaped trunklid, and taller spoiler.


New features for 2008 are extended on the interior, which include brushed aluminum radio knobs, brushed aluminum iDrive controller, leather-wrapped center console, seats with Sun Reflective Technology, standard and optional seats with Active Head Restraints, LED brake and turnsignal lights, and wider trunklid-mounted third brake light. Other new features include Active Cruise Control Stop & Go, Lane Departure Warning system, and USB adaptor for iPods and other MP3 players.


Under the hood of this luxury-inspired model comes a 4।8-liter Valvetronic V-8 engine that offers up rated horsepower and torque output. The engine now pumps put 360 hp and pulls out higher torque peak output of 360 lb-ft. rotating at 3,400 rpm. This power unit will be combined with a 6-speed manual or Sport Automatic gearbox. BMW comented on the new Sport Automatic, "this new transmission boasts quicker shift response in "Sport" mode, as well as standard shifter paddles on the steering wheel."
Furthermore, the BMW 6 Series Coupe and Convertible models are equipped with front suspension system with double-pivot front system. This features stronger self-centering feel in steering, lower ride height, and firmer springs and shock absorbers. Meanwhile, the rear suspension comes with multi-link layout called Integral Link that controls rear-wheel angles very precisely. Other technical features found on the 2008 BMW 6 Series include Active Roll Stabilization, rack-and-pinion steering with Servotronic power assist, and innovative brakes.
Aside from the new exterior features mentioned above, other exterior features include luminescent rings around the high beams, redesigned turn indicators, standard foglights with restyled lenses, front flanks, recurved spoiler, reconfigured rear lamps, reshaped lower tail lamps, rear diffuser, and dual exhaust. The 6 Series models are also equipped with new side sills and all aluminum front-end structure. A choice of either 18 or 19-inch wheels and run-flat tires standard completes the exterior package.
Inside, the 2008 BMW 6 Series offers a comfortable, sporty, convenient, and luxurious interior environment. Interior highlights include redesigned instrument cluster, LED ground lighting, illuminated doorsill logos, illumination of interior door handles, 1-touch open/close door windows, retractable rear window, GPS Navigation with DVD database and Real Time Traffic Information, Voice Command System, and standard AM/FM/CD system with eight speakers. A 12-way power adjustable seats including 4-way power lumbar support is also included, plus a wide range of active and passive safety equipments. The BMW 6 Series really stands out compared to the 5 Series models like the BMW 528i with quality BMW 528i parts।

A Crash, a Wreck and Car Bike Racks

A few days ago I was driving with my little brother Jan to a town called Hallodays. We had no clue where we were exactly, but at least we knew the name of the town. It was somewhere in Colorado, a state that usually implies snow, great mountains or parties after skiing the whole day. But his place was different. It had nothing in common with these attributes that sound like fun. This place was pretty much the opposite of a “fun place”. Hallodays was a town in the middle of nowhere: No snow, no greens and primarily no people.

Now you are probably wondering what I did there? The answer is the one that is common for trips like this: bike racks! Ok, not everyone is such a huge fan of bikes and all these kinds of bike accessories, but I recommend sharing this interest with me. No other passion lets you see places like Hallodays, where probably no tourist has ever been. Two hundred people are living over there and surely everyone knows each other. But as you can imagine, the weird town was not the actual reason why I traveled there with my brother. It was the area around. There is likely no other place in the world, where you can drive as fast as you want and check out the performance of your auto’s engine. But as I mentioned, driving my car just to check the engine’s performance did not bring me there.

My intention was to find out if the bike racks installed on my truck are able to hold the bikes my brother and I stored there. I am kind of extreme, so I had to make sure that my new bike rack is good enough for my beloved bikes. Of course, the advertisements promised all possible features of the racks, but who can trust the commercial in days like these where everyone wants to sell his stuff, no matter what lies it costs?

So I ended up there and started proving the truth of the commercials by driving 100 miles an hour. Fortunately the commercials did not lie and the bike racks worked so great that I could leave the middle of nowhere after an hour. Till now the story does not seem special, but this will change very soon. During my attempt to escape from this place, my right tire popped and I crashed against likely the only tree standing there. I did not remember everything due to this accident, but I know exactly how I felt after looking in the eyes of my brother. He was crying and his head was bleeding, but it was a huge relief when I saw that he moved his legs and arms. In comparison to him, my condition was pretty good. My head was hurting and my legs were bleeding, but this was it pretty much. So I considered helping my brother as soon as possible. I called the 911 and after about an hour they reached Hallodays. The emergency guys took him in the ambulance and I drove with them to the next hospital one hundred miles away. Remember, we were in the middle of nowhere, so I got more scared just because of the time we needed to get to our destination. After one and a half ours we arrived at the hospital and all the things that happened afterwards I just know from my brother. To make it short: After spending two days in the hospital he was able to leave. He just had a concussion and a couple of cuts.

What do you think we did after my brother got back home? Exactly, we returned to Hallodays to see, what happened with our car. And just as I thought, it was totally busted. There was just one thing that survived this horrible crash: the bike rack! So I learned my lesson from this experience. Trust the commercial and avoid the hell, at least as long as you can, bad boys.

The Beauty Of Sports Cars That Attracts All Car Lovers

Most cars as a rule must possess both form and function at the same time. The designers of sports cars do not compromise aesthetics with performance.

When talking about automobiles, there is a special something about sports cars that make them stand out from the rest of the pack when it comes to beauty, things that go way beyond external features only.

There is much more to the physical features like, aerodynamics or sleekness of the car that determine its overall beauty.

Some of these characteristics that endear sports cars to car enthusiasts are things like attitude. True sports cars have attitude at first glance.

Sports cars seem to just scream the attitude that they possess, unlike mere mortal cars whose average looks can easily be ignored. They grab the eyes of those who behold them and imply that total exhilaration and enjoyment can be expected when they are driving such a car.

Another way that sports cars stand out from the crowd of other cars seen every day, is primarily because their designs seem to imply what they are capable of doing. A fast look really matches to a car that can do what it looks like it can.

The power of a sports car comes from their more powerful engines other specifications they have that the other cars do not have. A true sports car can do much more than ordinary everyday tasks because of the performance features that only they possess.

Normal cars can make everyday driving a monotonous and boring event, while on the other hand, sports cars are basically aimed to give its drivers a "high" feeling of speed and control. It is true that only sports cars are able to provide that adrenaline for drivers who seek adventure.

Sports cars give you back the thrill of driving that other cars can not. By their very nature, sports cars are not designed just for practicality, but for pleasure as well.

Many drivers have the need to be able to express their "wild side". High performance cars make any road a venue to satisfy those needs. Only these cars can match the "wildness" that some drivers innately seem to have. It is for that reason that sports cars perfectly compliment the teenager in every driver.

True car enthusiasts appreciate the vast improvements that have been made to high performance cars. It can definitely be said that sports car technology has infinite possibilities. The normal stereotypes of sports cars have long been put to rest. The avid car enthusiasts love to watch as these vast improvements unfold before their very eyes.

If you are a true high performance car enthusiast you will love the new innovations that are coming in the industry.

GPS navigation in NEW 2007 Cars ! luxury in 100 %

Whatever your needs, you must find professional impressions and opinions about the new truck model 2007. Try to find information about the options and features, test drivers and exterior and exterior analysis. Famous brands, such as Chevrolet, Dodge, Ford, GMC, Honda, Isuzu, Nisan and Toyota are present on the Internet and you must only select the truck you want; search the qualified dealers and ask for more information if necessary.

The Chevrolet Avalanche has been redesigned for 2007; the new version is awesome; it is one of a kind because combine the capacity of a pickup with the luxury of the five passenger car. The Midgate is a removable rear bulkhead situated between the pickup bed and the passenger component. It is removable, allowing the truck to be configured as a sport vehicle with a short bed or a pick up with an eight foot bed. You need to fold down the rear seats and open the Midgate to obtain the pickup able of securing gear from unexpected visitors or shielding drywall from rain or snow. You can also remove the rear glass and the tonneau panels to obtain a sporty, open-air vehicle. The truck has a clean and stylish look. The new Chevy Silverado is another dream truck of our days, featuring a new design to confirm its reputation as the longest lasting truck on the world. Its suspensions are designed to meet every requirement.

The new Ford 2007, the Explorer, has a longer pickup bed, more room inside and generates 292 horsepower with a new, strong six speed automatic transmission; there is also a five speed automatic version. Both vehicles are available with four or two wheel drive. The Ford F-150 is easy to drive, well designed and the cabs are really comfortable. 2007 Ford f-150 offers a quiet, smooth drive over rough pavement, a controlled handling, with a minimum of vehicle roll on corners. This truck comes in six versions, with four cab choices, four bed lengths, with an amazing cargo capacity. Ford prepares also a new truck, the 2008 Ford F-250, still in tests.

2007 Toyota Tundra is a truck that raises the competitive bar; almost everything is new in Toyota Tundra. The new 381 horsepower V8 truck comes in three styles: a double cab with secondary rear side doors, a four door version and a two door regular cab. The truck is available in three wheelbases and three bed lengths; a five or six speed automatics and a standard rear wheel automatics. If you need a four wheel drive, you can have it too. 2007 Toyota Tundra has also a DVD based navigation system with camera, GPS linked. The stability is improved using fully suspension new design, to make your ride smoother; a better stability is due to a standard electronic stability control.

The full size pickups are changing dramatically; Nissan is offering the awesome Titan, Toyota has a large scale of models, and power trains. Ford, Chevrolet and Dodge are presenting new attractive models; it is really difficult to find the truck of your dreams!

Article Source: http://www.articlesbase.com/trucks-articles/new-trucks-for-2007-160084.html

Guide to buy a cheap used car

Are you hunting for used car? Buying a used car is not a headache like previously it was. Now-a-days one can easily find a used car for which he is looking for. Let us see some pint which one should keep in mind before purchasing a use car.

What do you look out for?
A good car is never old. First make your mind that which model are you looking for and is it in your budget and from where you want to buy from auto dealer or online. All this will definitely help you to make a proper decision.

Selecting your car
One way to select your dream car is to first identify the car which you are indent to buy. Make sure are you looking for a family car or not. You can get used car of your choice in a very attractive price from any auto dealer.

Appearance of your selected car
Make sure that the car appearance is good and no where hidden rusting is there. Sometimes many auto dealers apply a fresh coat of paint to get hide all the rust. Check whether any major accident marks are there or not.

Paperwork
You have selected your car. Now for your facility check all the legal paperwork Number of previous owners, their antecedents, registration details, one-time tax entry and insurance papers - all need to be cross-checked. Once the above is done and your apprehensions are solved, get ready for the most important aspect of the buying process.

Test Drive
For a good deal never buy a second-hand car without first driving it. Sometimes old engines need to be warm up. A low battery and bald tyres gives you opportunity to bargain more.

Finalizing the deal
As now all the things have be done, ask auto dealer to transform all the legal car document on your name, legally. Remember to get all the legal formalities you complete before you take the car key in your hand.

All this guidelines will help you to make a good and healthy deal and to get your dream car in your hand.

Article Source: http://www.articlesbase.com/classics-articles/guide-to-buy-a-cheap-used-car-36291.html

How to restore a classic car ?

Restoring a classic car can be tricky business especially if you have never done it before. You have lots to think about from where you can get the parts from to how it's going to affect your classic car insurance.

The first thing to do when restoring your car is to make sure that you have enough room to do this. The best place for this is usually a garage because you are out the way, not taking up valuable space in the house and not making a mess of the house. To save space you can store parts like the engine, gear - box, doors and bonnet in a basement or shed while you are working on the car.

You need to be prepared that some aspects of restoring your classic car are going to be more involved that what you anticipate. For example, you may not be able to find the parts you need, get matching colours to existing parts and getting classic car insurance may take longer than you think. The reason why this can be difficult is because if you want to increase the value of your classic car then it is better to use as much original equipment as you can. If you are not sure about some of the work then it is best to go to a professional as it will save time and money in the long run.

Once people have restored their classic cars they tend to either sell them on or keep them for personal use. If you are keeping it for yourself then all you need to do is find somewhere safe to store it and get classic car insurance. However, if you are planning on selling it there a few tips which can help you get more money for your car.

Basic tips for attracting people to your car are to ensure its sparkling clean and change the oil. Another great tip is to service the car. This is because there is a lot to organise with a new car such as classic car insurance so if it doesn't need servicing straight away then people will be more inclined to purchase the car.

Choose where you are going to advertise you car carefully in order to ensure that you get the maximum offer for your car. People who are devoted to classic cars are more likely to pay more money so it's important to target them. A good place to start is classic car magazines as you wouldn't buy these publications if you weren't interested in cars. This is also helpful to people as they can find a car, parts for it and classic car insurance all in one place.

Taking your car to a car show or museum is bound to get it noticed if you are trying to sell it. Placing it near the venue's entrance or exit is ideal as people are bound to see it. Restoring a classic car is great fun for car fanatics regardless of whether you are keeping it or selling it on. However, follow these tips and make sure you are careful so you don't cause any damage to your pride and joy.

Article Source: http://www.articlesbase.com/classics-articles/how-to-restore-a-classic-car-244586.html

Get the Best Deals on Used Cars

Buying a used car is quite an experience. The person who is planning to purchase a used car should have some knowledge about the cars, their value and negotiating skills to strike a deal as otherwise he or she will be taken for a ride by the used car dealers and other private car sellers. Buying a used car makes the buyer save lot of money as any car that grows older has a higher depreciation value even in a good condition. Also, the person can go for his dream car with a better performance and, safety features for a rock bottom price. Doing a little bit of research and checking with lot of car dealers will enable the purchaser buy a used car with the best deal possible.

Used cars can be bought from either car dealers or direct from the owners or from auctions made by government firms, or from police car auctions or repossessed cars can be bought from financial institutions.

It is good to buy used car from a car dealer or person who has good reputation and brand image in the automobile industry. There are many kinds of sources from which a used car can be purchased. All the avenues should be checked in order to strike the best deal. If the purchaser is very particular in getting a car of his choice, the car dealer can be informed about the required features of the car, make, model, color and willingness to pay to get a car of his choice. This will make the search easier for both the car dealer and the purchaser.

The working condition of the used car which is being purchased cannot be known just by seeing the car. It needs to be test driven to get the feel of the performance of the car on various road conditions and traffic.

The maintenance record of the used car needs to be checked thoroughly. If it is not available it can be got from the place where it is usually repaired or maintained to find any discrepancies. If the purchaser does not have enough knowledge about cars, help from a mechanic or person with sound knowledge on cars can be taken to inspect the car while purchasing a used car.

Internet is a good source of information regarding used cars and help from people who have purchased used cars can be asked for guidance on making the best deal. The best tips are that the car is not purchased on the same day of enquiry. Enough time should be taken to look around for best used cars and also negotiations will only happen if the purchaser shows interest in buying and keeping the decision open for some time.

It is not advised to ask for a monthly payment plan for buying the used car, as many dealers make up the cost and will give a very attractive plan but the buyer may end up with huge costs on purchasing the car. The interest rates they charge, the term for repaying the amount, all kinds of fees and the overall cost can all be manipulated. Hence all the details possible should be gathered and checked to find out how much it would cost at the end of the purchase.

Article Source: http://www.articlesbase.com/classics-articles/get-the-best-deals-on-used-cars-223626.html

Where To Find Cheap Car Insurance Online

Many people find car insurance confusing - and as a result end up paying more than they should in a very competitive market. The monthly payments - or premiums - depend on several things - your level of cover, the company insuring you and how much of a risk the insurance company deems you to be.

The popularity of the internet has made it easier than ever to find, compare and choose car insurance online. Most companies can give you a quote fairly quickly - in general, it will take from between ten to twenty minutes to enter the required information into one of the online application forms. There's also usually a free number to ring if you want to talk to a person.
Comparing car insurance quotes online

Obtaining car insurance quotes online is fairly straightforward - although there are some things you should keep in mind. Not all insurance companies will provide an instant quote on the screen in front of you; some companies may email the quote to you or ring you at a later date.

Some car owners don't realise that even if their current policy isn't up for renewal just yet, most insurance companies will allow a customer to cancel the policy, if they decide to switch insurance companies. In this case, you are generally entitled to a proportionate amount as a refund.

One way to easily compare car insurance rates and products is to use one of several web sites which offer comparison shopping. Two of the better sites are the aptly named
confused.com and moneysupermarket.com. Most sites compare the UK's top insurance companies, including AA, Norwich Union and First Direct.

How to keep your premiums down

There are several ways you can reduce the cost of car insurance. Premiums are lower if you keep your car locked up in a garage overnight - over 50% of cars are stolen at night. Otherwise, try to park in your driveway, rather than on the street - this will also decrease the chance of vandalism.

Make sure you accurately report the mileage that you drive in a year - don't pay for too much mileage. A change in employment or lifestyle may mean less mileage - many people don't bother to change their car insurance details when this happens.

Having a car alarm or immobiliser installed in your car will also usually result in lower payments. An additional driver using the car may mean increased premiums. And of course, your past driving record also has a significant effect on the cost of your car insurance.

Basic car insurance policies

A recent - and welcome - innovation in car insurance is the concept of so-called basic coverage, as offered by both Tesco and Norwich Union, in an effort to simplify the often confusing process. Basic coverage also allows car owners to take out adequate insurance without paying more than they need to.

Norwich Union's product is appropriately named Simple Cover and is available online only. The product also eliminates some of the unnecessary extras that customers tend to unknowingly pay for. Another big difference is that the premium is payable in a yearly lump sum, rather than monthly.

Tesco value car insurance is also available online only - even the application form is simpler - and Tesco has taken some of the unnecessary extras out, which can increase the cost of premiums. For example, Tesco value car insurance doesn't offer a replacement car for use during repairs, or cover a broken windscreen.

Shopping for car insurance online shouldn't be difficult. With a little bit of research and the right list of web addresses, choosing the right car insurance can be easy and stress-free.

Article Source: http://www.articlesbase.com/autos-articles/where-to-find-cheap-car-insurance-online-124574.html

How to Protect your Ferrari From Theft

As a Ferrari owner, you know that after you have added this prized vehicle to your investment portfolio, it pays to take care of it properly. Routine Ferrari maintenance, appropriate insurance, careful driving and care all play a part in how well your Ferrari drives into the future. However, one important aspect of Ferrari care that you will not want to forget is protecting your automotive treasure from theft.

Much will depend on how you use the Ferrari. If it is a show piece that stays indoors, then protection is much simplified. If you drive the vehicle outdoors, then some steps are in order to ensure that your vehicle remains safe from harm.

Simple precautions can help prevent big crimes, such as auto theft. When you leave the vehicle, always secure it, and make sure to park in well-lit areas where there are a lot of people walking around. When you park the vehicle, turn the wheels sharply toward the curb, to make it harder for car thieves to tow away the car. Ferrari Dealers will tell you, don't leave Ferrari accessories in open view inside the vehicle. Also do not leave the registration or title inside the car.

Other steps that can help prevent theft include adding visible and audible anti-theft devices to the car. Brake locks can help. Steering wheel locks that keep the wheels stationary make your car more theft-proof. Tire locks and deflators can deter a thief, because they take too much time to deal with, thus making your car less attractive to a would-be thief. VIN etching, when the VIN number is etched onto the glass of the windshield and windows can be one option you might consider in protecting your vehicle. Loud alarms also let a thief know your car is safeguarded against theft.

Computer chips can help deter a thief from stealing your Ferrari. Some ignition keys come equipped with chips that do not let someone bypass the vehicle's ignition. Preventive devices such as cut offs to the fuse; kill switches; disablers that deactivate the fuel pump, ignition and starter; and wireless ignition authentication all help to prevent theft. Tracking devices are very useful in assisting police in finding stolen vehicles. Some of these combine wireless capabilities with GPS systems, so that if the car is moved, it can be tracked on the computer. Many Ferraris also come equipped with peripheral interior monitoring anti-lift anti-theft protection, which is a camera system that is used within the car to detect movement inside the vehicle. Even when you are not with your new Ferrari, your vehicle's computer system is working round the clock to protect your car. Employing several or all of these ideas can keep your car safe.

Article Source: http://www.articlesbase.com/classics-articles/how-to-protect-your-ferrari-from-theft-195793.html

Buying a New Car ? Don’t Forget to Haggle!

Many car buyers are missing out on discounts of almost £1,600 on their brand new car purchase as they are too keen on the car they want or are too embarrassed to haggle with car salesmen, according to recent research from Sainsbury’s Bank. To make matters worse, most of the people who miss out on discounts will also not shop around for their car finance, making the overall deal more profitable for the dealers and even more expensive for the car buyer.

The study highlighted the fact that only 53% of all people expecting to buy a car in the next year will even raise the issue of discount to the new car salesman. The rest will simply accept that the list price is what they will pay.

The main barrier to effective negotiation for most new car buyers is that they get fixated on one particular car and are unable to hide their excitement from the salesman. That gives him the upper hand as he knows how keen you are on that car. He’ll reckon that you are unlikely to ask for a discount and that even if you do and he refuses that you will probably still buy the car anyway. The real power of negotiation lies in knowing that you can refuse to buy, and walk away if the deal doesn’t suit you. Put your emotion aside, or at least hide it from the salesman when you are looking to buy.

Of course, there is an art to haggling and here are three top tips for getting the best price for a new car purchase:

1. Visit the garage just after an updated version of the car you want has come out. Dealers will often significantly cut the price of older versions if you ask, because they want to clear their forecourt for the newer models.

2. Buy just before the new registration plate comes out – dealers will often issue generous discounts as they try to shift their stock before the new plate comes out.

3. Do your research and be aware of the true value of the car you want. For example What Car? Target Price lists the average price you should pay for cars; which is currently around £1,600 below the list price.

And finally, if you are thinking of buying your vehicle using car finance, it definitely pays to shop around. With interest rates varying so much as the loans market tries to steady itself in the face of a credit crunch, you can negotiate an even better overall saving on your vehicle purchase by getting the best possible interest rate. As when negotiating your car price, don’t go with the first offer!

Article Source: http://www.articlesbase.com/autos-articles/buying-a-new-car-dont-forget-to-haggle-247867.html

Cheap Car Insurance: Insure your Hard Earned Money

Cheap car insurance for a car would mean covering any damage that occurs to the car due to the causes that have been covered by the policy. The cheap car insurance helps the car owner to protect the equity in his car and facing the least losses in case of any mishaps.
Collision and comprehensive coverage are provided by the cheap car insurance.

Through collision coverage of cheap car insurance, the car is covered against any damages that occur to his car due to a collision with an oncoming vehicle, roadblock or even a tree. The cause of collision is of no importance through cheap car insurance policy. Comprehensive coverage however covers the car against any damages caused to the car due to natural calamities like fire, flood, tornadoes, earthquakes, volcanoes etc. losses caused due to theft of the car or car parts is also covered through cheap car insurance.

Cheap car insurance is available to the car owners at very low rates of premium. However the premium depends upon the model of the car, security measures installed in the car, and the locale in which it remains. Security measures and a good locality mean less risk of theft to the car. This further reduces the premium that is charged to the car owner for cheap car insurance.

Searching online can also help in finding low premium deals for the cheap car insurance. This is due to stiff competition amongst the insurance companies.
With cheap car insurance, a great reduction in losses that can incur in case of mishaps can be obtained by the car owners now. Bring out your car on the road now and put it to fire.

Article Source: http://www.articlesbase.com/insurance-articles/cheap-car-insurance-insure-your-hard-earned-money-233564.html

Cadillac XLR - high class, a super technology !

The Cadillac XLR has all the elegance and class that people have come to expect from the Cadillac name. The XLR is loaded with new state of the art technological features and is one of the quickest and high performance automobiles that Cadillac has ever produced.

The XLR is modeled after the design of stealth aircraft fighters and this can be seen with the aerodynamic look and sleek design style. The XLR features bumper-to-bumper curves with a strong Cadillac grill and vertical headlights. Both of the bumpers on the XLR are the color of the body and the paint is clear coat monotone.

The convertible power roof on the XLR features a glass rear window and a rollover power roof. The retractable top on the car allows for maximum convenience for the driver since it can be opened and closed with a single button. The XLR can change from a coupe to a roadster in less than 30 seconds. The top retractable panel on the XLR is constructed from a composite of magnesium and aluminum. The XLR features a heated glass backlight as well as rear quarter glass windows.

The interior cabin of the XLR is pure luxury as Cadillac has been at the forefront in luxury interior in its past models. Some of the new features on the XLR are a head-up display, heated and cooled leather seats, keyless action with push button starting capabilities, and a DVD navigation and entertainment system. The XLR features unique eucalyptus wood that comes in a choice of light or dark tones and have aluminum accents. The Italian luxury brand Bvlgari specially designed the gages on the XLR. The stereo in the XLR gives concert sound with the 9 Bose speakers spread throughout the cabin playing a premium XM AM/FM/Satellite with clock and seek-scan capabilities. For convenience the stereo controls on the XLR are placed on the steering wheel. One of the state of the art features is the DVD entertainment system that comes with Internet capabilities.

The XLR has superior handling capabilities as the car has Stabilitrack electronic stability, adaptive suspension, and double wishbone rear suspension. The braking system on the XLR feature 4-wheel disc brakes that are vented in the front wheels. This allows for the XLR to have excellent braking abilities even when traveling at accelerated speeds. The XLR handles wonderfully around corners as it has rack and pinion steering as well as rear air shocks and ABS & driveline and Magnetic Ride control that give the car maximum traction.

The XLR features a powerful 4.4L V8 engine that has 443 horsepower and hits a top speed of 155 mph and accelerates from 0-60 mph in 5.9 seconds.

Cadillac designed a magnificent car with the XLR with all the advanced features and the sense of class, which is a Cadillac trademark. Besides being at the forefront of luxury automobiles the XLR has the power and drivability that is typically reserved for sportscars. The convertible top and curvaceous features give the XLR a look of elegance and speed, and add to it Cadillac's trademark luxury, the XLR is an automobile that has no peers.

Article Source: http://www.articlesbase.com/classics-articles/the-cadillac-xlr-all-the-elegance-you-would-expect-208414.htm

Bugatti EB 18-3 Chiron - Only One Ever Made

The 1999 Bugatti EB 18-3 Chiron is a prototype car that was designed by Giorgetto Giuaro and was designed on a platform from the Lamborghini Diablo VT. The name of the car, Chiron, is from a famous Bugatti race driver named Louis Chiron. Being a prototype car the Chiron was the only one ever made.

The Chiron is a very aerodynamic car as it has curves from bumper to bumper and has a very low to the ground type of body. The Chiron features a rear engine and the storage trunk is in the front of the car. The Chiron is a 2-seater coupe and the interior of the Chiron is pure class as Bugatti used the finest materials like the best leather and wood. Inside the cabin of the Chiron there are two types of leather, which are Blu Pacifico (blue) and Sabbia (yellow.) The Chiron's instrument panel is constructed of aluminum alloy. The trunk in the front of the Chiron has an individual luggage set that fits perfectly in it.

The Chiron concept car is constructed of carbon fiber, which makes the car very lightweight. The color of the paint is Blue Cote d'Azur as it gives the car a very sporty sleek look. The traction capabilities on the Chiron are excellent featuring a permanent 4-wheel drive and 20 inch wheels. The tires in the front are 265/30 and 335/30 in the rear. The Chiron has a 3 stage automatically raised rear spoiler that reduces the lift on the rear axle giving the car maximum traction. Since the Chiron is a low to the ground body design and made up of lightweight carbon fiber and aluminum it allows the for ultimate quickness off the line while still having excellent handling capabilities.

The powerful engine on the Chiron is an 18 cylinder 6.3 liter that cranks out 555 horsepower and accelerates from 0-60 in 5 seconds, hitting a maximum speed of 186 mph. The direct injection engine has a displacement of 6.3 liters, an output of power of 408 kW, and a maximum torque of 650 Newton meters. The engine in the Chiron is the same engine that was used in the EB118 and EB218 concept cars.

The steering wheel in the Chiron is a small spoke model, which is placed in front of two large dials and two smaller dials on the central tunnel, where there is a lever for the open gate coupled to a 5-speed manual gearbox. There are four valves for every cylinder in the 18 cylinder Chiron so there is a total of 72 valves. The compression ratio is 11.5:1, the bore is 3.00 inches and the stroke is 2.98 inches.

The Bugatti EB 18-3 prototype looked as good as it handled with its distinct color and classy design of the interior. The performance capabilities on this supercar are second to none as Bugatti created a classic with the Chiron that was first shown at the 1999 Frankfurt International Motor Show.

Article Source: http://www.articlesbase.com/classics-articles/bugatti-eb-183-chiron-only-one-ever-made-208434.html

The Benefits of Getting Auto Insurance Online

Have you been thinking about buying auto insurance online but aren’t sure whether it's the best way to go? There are many benefits to buying auto insurance online. Once you try it, you'll wonder why you waited so long!

Buying Auto Insurance Online Saves You Money

You may think all insurance companies are the same, but they aren’t. Premiums for insurance policies with the same coverage can vary by hundreds of dollars from one insurance company to another. By shopping for auto insurance online, you can quickly and easily compare quotes from multiple companies and be sure you're getting the best price possible.

Buying Auto Insurance Online Saves You Time

Of course, you can compare quotes from multiple insurance companies without going online. However, it could take you hours on the phone calling insurance agents, or visiting insurance offices, to get the same number of quotes you can get from one quick visit to an insurance comparison website.

Buying Auto Insurance Online is Safe and Reliable

When you go to an insurance comparison website to buy auto insurance online, you know that the companies have already passed a ratings test. This means that you will only get quotes from companies with an A rating - companies that are reliable, responsible, and financially sound.

Buying Auto Insurance Online is Easy

All you need to do to buy auto insurance online is to go to an insurance comparison website and type in some basic information about yourself, your vehicles, and your insurance needs. Then just sit back and wait for quotes from multiple insurance companies to arrive. Once you have your quotes, you review them and choose the company with the best price and policy for you.

Many insurance comparison websites make the process even easier by having insurance professionals on hand to talk with you online or by phone. This means that you can get quick answers to your insurance questions.

Ready to try it? Visit http://www.LowerRateQuotes.com or click on the following link to get auto insurance rate quotes online from top-rated companies and see how much you can save. You can get more auto insurance tips in their Articles section.

Article Source: http://www.articlesbase.com/insurance-articles/the-benefits-of-getting-auto-insurance-online-249154.html

2007 9ff Porsche Turbo TRC 91

What is it? It has 910 hp and 910 Nm, takes only 3.10 seconds from 0 to 100km/h and offers a top speed of 392km/h made possible by the modified double-clutch gearbox that goes with it. In the form of a convertible, with unbelievable 780hp resulting in 381km/h, it holds the absolute world record since October 2006. A supercar polished up Right, it must be a Porsche. But not just an ordinary one, no, it is the new Porsche 911 Turbo TRC 91 created by Nardo God 9ff. The artists from Dortmund turned the already extremely sporty bolide into one of the fastest and most powerful street-legal sports cars around the globe. The supercar‘s 3.6 litre biturbo ‚boxer‘ engine was modified in great detail. Not only two special turbochargers increase the performance, but also the sport air filter, larger injectors, modified cylinder heads and a stainless steel exhaust system with special manifolds as well as high-performance catalysts, and, finally, an extensive increase in engine displacement resulting in 4.0 litres. All modifications are perfectly harmonised by means of the reprogrammed engine control unit.

Thanks to the modified racing front grill, the engine is provided with more air while the brake cooling has been improved by - discrete - additional air intakes. A boot lid made of carbon allows a maximum weight reduction to 1,300 kg. Optimum performance is brought to perfection through revised aerodynamics en-hancing the powerful Porsche‘s driving stability while creating an atmosphere of even more dynamic elegance. The monstrous inner workings, however, do not re-veal themselves that easily to a layperson. The experts at 9ff confined themselves to a slightly lower front apron and elegant 20-inch wheels with a larger braking system. New and shapely front spoilers, side skirts and redesigned rear wings add to the aerodynamic kit while the elegant and aerodynamically enhanced exterior mirrors are the crowning glory of the whole.

To sum it up, the 9ff Turbo TRC 91 was made for those among us who are real gentlemen - it is a decent horsepower werewolf.

From 9ff Press Release

2007 Ferrari Dino Concept Design by Ugur Sahin

(from Ugur Sahin) Presenting Ferrari Dino Concept Design Ferrari Dino Concept design is the modernized version of the successful Ferrari Dino produced by Ferrari.The goal was to create a car that feels stylish, modern, dynamic and organic while staying true to the original design language of the Ferrari Dino and Ferrari brand in general. The main characteristic of the Dino Concept design is the way it looks similar to the original Dino. With very round styling elements around the wheelbases and its cockpit, it looks retro and modern at the same time. With the right proportions combined, the car looks very dynamic and stylish. It stays true to its original with the design of the rear and the front being rounded and avoiding the hard edges as much as possible. Also the rear window opening is a striking feature originating from the original Ferrari Dino. The air intakes scoops however are very different compared to the original Dino, they look very organic and visually add a very organic feel to the car.