Automotive Automobile: November 2009

Monday, November 30, 2009

2007 Cadillac Escalade ESV by Jada Toys

Saturday, November 28, 2009

Salaam Halal: Shariah-Based Car Insurance First in the UK

Today, the Muslim community in the UK can choose Shariah-based insurance for his vehicle. One insurance company in the UK, have automobile insurance product called "Salaam Halal".

Salaam Halal uses Takaful principles. This principle makes all members share the risks are balanced. Funds collected from the policyholders are stored in the form of Shariah investments. If at any time the policyholder filed a claim, the company pays the claim from the funds collected. Each end of the year, the funds collected are evaluated, if there is excess [surplus] will be distributed to policyholders in the form of a discount the next premium payment.

Actually, Salaam Halal was launched in mid 2008 and then, but just could
serving customers in 2009. Since the product was launched, the British public's enthusiasm is very large. Proved, in the first seven days Salam Halal launch site Moneysupermarket.com, the management has received more than 37 thousand comments and questions from the public.

Ahmed Hassan, one of his Muslim customers expressed excitement because finally he can follow the car insurance based on Shariah. "Salaam Halal Car Insurance for me to have a competitive price. But most important, is in line with Muslim beliefs, something that had never existed, "he said.

Principle Salaam Halal held that it also attracted non-Muslim citizens. Bradley Brandon-Cross, chief executive of Salaam Halal Insurance said, "What makes that unique is our principle stretcher. Has a very transparent process and an opportunity to profit again, this is very interesting customers, both Muslim and non-Muslims. "

To ensure that Salaam Halal actually implementing the principles of Shari'a, all activities, whether in the form of investment, operational, or administrative, overseen by a Sharia Supervisory Committee, an international organization consisting of scholars from various countries.

Salaam Halal presence complements the assumption that the UK has become one of the Islamic financial center in the world. Until now, there are four certificates held by the Islamic Bank of England. No other country in Europe that holds the certificate.

Thursday, November 26, 2009

I Have Bad Credit and I Need a Legitimate Car Loan Online With No Down Payment!

Smoke and mirrors. That's what I think of when I look at some websites on the internet. When you've got bad credit and you're looking for a real car loan without hassles and gimmicks, it's tough sometimes knowing where to turn. It seems like there are thousands of websites on the internet and it's just tough knowing what is real and what isn't.

Well, you'll find that there are some good companies, but it's like trying to find a needle in a haystack, as the old saying goes. Here's a few tips that will help you in being certain that a company that offers bad credit auto loans is legitimate and isn't just trying to snag your wallet.

1) Make sure you only deal with a company that is listed with the Better Business Bureau Online (BBB Online) Phone or check online to ensure that they are registered and that there are no complaints filed against them.

2) Track record is everything. Be sure to check that they have been in business for several years and that they have successfully helped hundreds of people get approved for loans. Online review sites are great for this.

3) Are they a real lending agency or are they simply trying to generate leads for a car dealership? This is a common problem which can easily be avoided by following the first two steps. Who wants a call from a dealership trying to sell them a car? Not me!

4) Can they truly offer a no money down auto loan package, or is that just another advertising gimmick? Always read the fine print.

If you keep these tips in mind and do some research, you will have no problem finding the best auto loan even if you have no credit at all.

How to Do Your Own Auto Glass Chip Repair

A repair that is often overlooked until too late is auto glass
chip repair. While a chip in the windshield may not seem like much environmental waste pollution and the stress of temperature changes can cause it to grow over time, resulting in cracks and repairs more expensive. However, it has to come to this. With this article, and a do-it-yourself glass repair kit cars, you can fix a chip in the windshield before it gets worse.

Inspecting the damage

The first step in any repair process to inspect the damage. You can do it yourself or even take your car to a professional if necessary. A general rule is that if windshield damage is limited to a minor chip or Knick, you must repair. Often, small spider cracks can be repaired as well, but the cracks with long veins present a major problem and usually are not repairable. If in doubt, consult a professional for their opinion.

Select the repair kit

If you determine that your chip is actually glass repair, a trip to your local auto parts store will offer different options for repair. Although offered by different companies, most do-it-yourself kits windshield work the same way and have similar elements. The kits typically include a stabilizer or a base that resembles a suction cup, a nozzle or applicator, a tube of resin and a curing adhesive film.

Perform the repair

Before diving into the repair, be sure to read carefully the detailed instructions with the kit. Once done, the first step is to clean the chip and the area around it as best as possible with glass cleaner. Wipe dry with a clean towel afterwards. If there is any debris on the chip, a safety pin or similar item can be used to remove it.

When the area is clean, the stabilizer or base shall be affixed to the windshield, usually with an adhesive. Make sure it is carefully positioned and that the seal between it and the glass is tight. The next step usually involves placing the applicator nozzle or the stabilizer. Generally, the air is extracted from between the stabilizer and the windscreen, while injecting the resin. The vacuum thus created helps to draw the resin into the crack and to protect it from pollutants in the air.

Once the resin has cured for the time specified in the instructions, applicator and the stabilizer are removed. The next step usually involves placing a drop of resin on the repair and then placing the cured film thereof. When making the film, make sure to remove any air bubbles that may be present. Again, the curing of the resin in the amount of time specified in the instructions.

Once the film is removed, if any part of the repair is not uniform, usually can be solved with a razor blade. Any excess resin or adhesive residue can be cleaned with glass cleaner. If completed correctly, the repair should be kept fairly quiet at this point.

While a chip in the windshield may seem insignificant, it is important to take care as soon as possible before it becomes worse. With the information provided in this article, you will find it a simple job that can save you big money in the long term.
http://www.articlesbase.com/automotive-articles/how-to-do-your-own-auto-glass-chip-repair-1507480.html

Wednesday, November 25, 2009

2011 Subaru Coupe 216A

Subaru will advance vastness the 216A from the FT-86 through signature styling elements (as offered in these comedian renderings), longer and wider dimensions and an farther 100kg in mass. However, the proximity in actual wheelbase and overall piece with the recent formulate mean the two could piece even more parts.

Toyota unveiled the FT-86 Concept car at the 2009 Tokyo Motor Show, but Subaru’s interpretation is still under wraps.The engine which was previously speculated to be a 2.0-litre turbo warrior making about 118kW (160hp). Indeed it is the revised 2.0-litre turbo from moreover the Impreza 2.0 GT or the WRX STI. However, energy is rumoured to be around 184kW (250hp) with a probable STI type making 227kW (308hp).

The FT-86 Concept takes on the domestic codes 086A, 087A and 088A for the Japanese, US and European markets respectively. The Subaru on the other hand is codenamed the 216A according to BestCar magazine.

The Subaru will market its own version of the coupe. If it will be available in all markets or if Subaru will offer the option of AWD and/or a turbocharged engine is something that remains to be seen. Pricing has been speculated at around ¥3 million (€22,267/ US$32,880) when launched in Japan in 2011.

2010 Lexus GX460

Lexus 2010 GX 460 luxury SUV, the US brother of new Toyota Land Cruiser. The new 7-seater SUV is powered by a new 32-valve DOHC 4.6-litre V8 engine with aluminium alloy cylinder heads and obstruct, as well as dual Variable Valve Timing with Intelligence (VVT-i).

The most powerful engine is 221kW (301hp) and acme torque is 446Nm (329 lb-ft) made at 3,500rpm. Driving all four wheels is a 6-speed automatic transmission. The Lexus GX 460 retains the GX 470’s 6,500-lb. Designers did not stray far-off they’re proven styling formula. The car is directly recognisable and skin a three-bar front grille with chrome surround, integrated front fog lamps, low-profile roof rails and operation embark courtesy lamps.

The interior is as luxurious as it is versatile. For request the second row seat can slide up to 4.1 inches and is also foldable. The third rowed has an ability fold-tedious order for luxury functionality. Items such as a potential moonroof, spit-sensing windscreen wipers, three-zone habitual climate regulate, a rear camera, a hard disc instinct, Bluetooth connectivity, leather trimmed and heated/ventilated seats (front) and steering turn audio reins are on the paradigm skin menu.

New 2011 BMW 5-Series Sedan

The new sixth generation BMW 5-Series codenamed F10 has officially revealed. The 2011 5-Series is scheduled to go on sale in Europe in March 2010, after revealing in Lisbon, Portugal and other international markets.

The new F10, unlike E60 generation, income to a more lithe and conservative fabricate reminiscent of the fourth generation E39, yet still aggressive and athletic. We are solid the F10 will win back a lot of estranged BMW fans from the preceding Chris Bangle form era. The new 5 Series sedan will launch with one eight-cylinder and three six-cylinder gasoline engines as well as two six-cylinder diesels. About three months later, the scale will be rounded off by an outspoken booster four-cylinder turbodiesel.

The newest fourth generation of BMW iDrive contain appears in two versions: with 7.0-in. Dimensions and 800 x 480-pixel resolution in typical form, or with the elective Navigation order, in a 10.2-in. 1280 x 480-pixel account with a wider reach of features and functions as in the new BMW 7 Series. Displays are transreflective so that light from the sun actually makes the metaphors on the shield brighter.

The 5-Series will be built at BMW Plant Dingolfing along fringe the new 2009 BMW 7 Series F01. The 5-Series F10 is based on the same architecture as the 7-Series as, both vehicles extensively divide components.

2010 Mercedes Benz E-Class Coupe

2010 Mercedes-Benz E-Class Coupe is in fact based on the C-Class platform, not on the E-Class after which it is named. This is the very same C-Class platform officially called the W204. Renaming the car that replaced the two-door CLK as an E-Class is interesting to say the least, but it follows Merc's previous production of basing the W209 CLK on the W203 C-Class platform.

The new E-Class sedan uses a platform codenamed W212 which is clearly not W204. Speculation is that the E coupe's platform designation is C207.

http://cache.gawker.com/assets/images/jalopnik/2008/12/Mercedes-Benz-E-Class-Coupe.jpg

The question may arise as to why Merc would rename the car after the E-Class when it's based on another. Ernst Lieb, CEO of Mercedes-Benz USA says one of the answers is that the car performs better for its intended purposes with C-Class underpinnings than it would with E-Class architecture. But more telling a reason is that customers will be far more willing to fork out more money for something called an E-Class Coupe rather than one called a C-Class Coupe, especially at the higher end where the margins are bigger.

Weighing about 400lbs (181kg) less than an E-Class sedan and boasting a slicker body, the Coupe will ultimately handle better and be more efficient than its predecessor.

http://autoworld.files.wordpress.com/2009/01/mercedes-e-class-coupe-2010-leaked-img_1.jpg

However, due to the growing media attention of this report, MBUSA officials have issued a statement, according to Left Lane News, saying the E-Class coupe shares more than 60 percent of its "components and technology" with the E-Class sedan. In what appears to be an attempt to excercise some damage control and divert some of the attention back to the E-Class the statement fails to address the inner body structure or platform as being W212 or W204.

We tend to believe the original report was accurate and the E-Class Coupe is indeed based on the W204 C-Class despite its common componentry with the W212 E-Class.

Friday, November 20, 2009

What's The Difference With Antique Truck and Car Insurance?

Autor: peter1

It is difficult to define what antique means when dealing with insurance companies, and that is why it's a little difficult purchasing antique truck and car insurance. You have to make sure you have the auto insurance to meet your needs, although there are many companies that offer this insurance, you will have to put a bit of work into finding antique truck and car insurance that is right for you

There are two types of insurance you can find with antique automobile insurance companies and also classic collector auto insurance. The difference in the two of these is that most antique truck and car insurance doesn't allow the car or truck to be used for normal chores. Collector's auto insurance does, but only if you have a regular second daily car to drive and you can't use your collector car to go to or from work or to school.

In order to be eligible for special discounts on your antique truck and car insurance, your vehicle has to be defined as antique or vintage. It must be at least 30 years old. This makes life a bit easier for antique automobile insurancecompanies . As for other cars that arrived later and are loosely regarded as collectibles, then there is an auto insurance that can be obtained for these also.

There are a few ways to save if you're looking for antique truck or car insurance. Don't go for the full package of auto insurance if you're not taking your car on the road or if you don't use it at all and just have it for show. Although some antique automobile insurance is necessary you may not need all the auto insurance that you have.

To be sure of your needs talk to your automobile insurance company or check with several automobile insurance companies to make sure you are getting the best deal you possible can. You may end up with a discount depending on a few factors that could be the deal of a lifetime, so don't be afraid to shop around and find out what's out there for you that will meet your needs. Insurance companies can custom make a package for your antique truck and car insurance just for you.

There is antique truck and car insurance available, but only for antiques, and make sure that you know how you are going to use the vehicle.

Source: Free Articles

Tuesday, November 17, 2009

Choosing Car Insurance Tips

Choosing a car insurance is not easy. Especially in the midst of intense competition today. Almost all insurance companies have vehicle insurance products. Staying prospective customers choose which ones deserve to take. Therefore below we present some criteria in order not to incorrectly selected:

1.
Prospective customers do not dwell on the premium rates low. Because, in today's competition, many insurance companies slam prices, offers cheap premium rates. Though not necessarily a guarantee of service.
2.
See offer insurance packages. For example extensive collateral to how much. Because this area of security should be adjusted to the desire and ability to prospective customers.
3.
See also the network of the insurance company concerned. For example how many have a branch office or how many partners have a garage, so that there is a claim not wait long to repair the vehicle or vehicles reported missing.
4.
Could be asked first ease, facility, or what added value can be obtained when buying the policy in the company. For example, if there was a tow truck, a replacement car or a hotline service, mechanic services, ambulances and so forth. And, last but not least is easy to make changes and the facility in question.
5.
Consider also bonafiditas insurance companies. Do not get so there is a claim, the workshop did not have a partner. Therefore, many insurance companies claim they are the best. Whereas financial condition was very bad.

In addition to the above, there are several factors that should be considered in the process of selecting an insurance company included in selecting products. Things to remember that in choosing a private insurance company, then that should be considered in general are three factors.

First, the financial strength (security). Second, services (service). And third, the cost or burden. The financial strength of insurance related to the company's financial ability to fulfill its promise if the situation requires. It is important to know, because not a few insurance companies are looking at the flashy exterior. For example storey building, a vehicle that good directors. But when there claims from customers, the company can not pay.

In assessing the financial strength of this there are some benchmarks that need attention.
a.

Assets and liabilities. This can be seen from the financial balance sheet is published in the newspaper. See also, whether planted in the current investment or longterm. In terms of liability (ability to pay off liabilities) will look at the balance sheet, how the debts by reasuradur, how he fulfilled the obligation to pay claims, and so forth.

Indicators of net liabilities include equity (own capital) divided by net premiums `` (net premiums) of at least 50%. Own capital divided `` gross premiums (gross premiums) of at least 20%. Limits solvabilitasnya level, which looks from its own capital divided by net premiums of at least 10% and investment funds a minimum technical reserves divided by 100%.
b.
Underwriting Policy. On the balance sheet and annual report will be seen that the insurance is still a profit, or profit growth. This means that his policy underwiting good.
c.
Its underwriters. Insurance has personnel qualified or not. It is known from the profile companies that includes the underwriters him.

Services (service) is the extent to which the mirror of human resources at the company's qualified or not. Moreover, insurance companies are selling a service, so excellent service is the key. For example, the extent to which the speed of service in both the policy issue especially in the payment of compensation or claim.

In addition, about the service can actually be felt by the customer. Is this insurance company was absolutely the best service for its customers.

In this connection should also be questioned, whether this insurance company in reinsurance mereasuransikan first-class safety. This can be seen from its annual report. It is important to note, because if the company is not backed-up by reinsurance, the company is likely to be speculative in receiving the premiums.

The problem is how much the cost of expenses incurred by insurance companies in operation. If it is greater than the cost of income, then obviously the company is not efficient. If it's not efficient, it will end up losing money. And, if you continually lose money, certainly not healthy.

In this connection, could also see the price premiums. Compare the price of insurance premiums with other insurance. Where the quality really good.
Today the government has set a benchmark of health insurance (not the only one) is through mekanime RBC (Risk Base Caital). If his numbers of RBC, it means the company is valued in good condition. But we must not be fixed solely with RBC numbers. Because, can also be a large company that is doing great expansion like to open many branches, then his RBC numbers would be small.

Conversely, there is a small insurance company but never to expand, the RBC number was probably much greater.

Thus, RBC numbers can not be used as the only measure, whether the insurance company is healthy or not.

In this case, also noteworthy is the company's performance in two or three years. How big profits every year, how much the gross premiums they receive each year, how much additional capital and assets every year.

And, last but not least is how the company's management behavior for this. Is there a management company for this broken promise? Has this company experienced management and other defaults.

Source : translated from the insurance-mobil.com
(Excerpted from multiple sources)

Monday, November 16, 2009

Car Insurance - How can you lower your premiums?

By: Michael Challiner

Many factors influence the premium for your Motor insurance policy. Your insurer will have asked you many questions whilst producing your quote - some of which will affect your premium and some will not. Below we discuss the key variables that are within the policyholder's control.

Consolidating policies
By insuring a number of vehicles with the same insurer, or by trying to take out home and life insurance through your car insurer, you may be able to secure a 'bulk buy' discount.

Location
A big influence on the cost of your car insurance is where you live. The chance of your car being broken into or stolen is a key concern for the insurer. More urban areas traditionally facing greater risk of theft and therefore tend to be more expensive than countryside locations.

Excess
By agreeing to pay a greater excess on each claim you can reduce your car insurance premiums. This is because you are reducing the liability of the insurer and therefore in return they are able to offer you a lower premium.

Your Vehicle
The cheaper and slower your vehicle the lower your premiums are likely to be. If you are looking to buy a new vehicle make sure you fully consider the cost of insurance - you may be able to buy the car but can you afford to run it?

Mileage
You can control your insurance premiums by restricting your annual mileage. However, be aware that if you exceed the restricted number of miles you'll then become uninsured!

Parking
Where you park your vehicle overnight is also very important to the insurers. If it is kept in a locked garage, you should be offered a lower premium than if you leave it unattended in the street.

Security
Security devices that prevent or hinder theft may also reduce your premium. Common examples include alarms and immobilisers, however, be aware that as we improve the quality of our security devices the thieves just become better at bypassing them.

No Claims Discount
Save up your no claims discount by avoiding making small claims upon your policy. After a set number of years, 4 or 5 typically, you'll often be offered the option to pay an additional small premium to protect your no claims bonus. This can prove very helpful if you subsequently end up having an accident.

Advanced driving skills
By taking an advanced driving course you may also be able to reduce your premiums. The Institute for Advanced Motorists and the Royal Society for Prevention of Accidents each offer membership which provides you with discounts for both the cost of driving courses and your car insurance premiums.

Two key variables NOT within the policyholder's control.

Your Sex
Women are statistically less likely to have an accident and, if they do, it's less likely to be serious. Because of these statistics women benefit from lower premiums. It is also worth noting that if you represent one half of a couple you should consider having the female as the primary driver with the male as the second driver.

Your Age
The older you are, the less likely you are to make a claim. As a result insurance companies charge lower premiums for more mature drivers.

One final piece of advice.
A large percentage of car insurance is now sold on the Internet. That's because it's convenient and cheap. Many insurers now give a further 10%-15% discount if you buy online.

Author Bio
Michael Challiner has 15 years experience in financial services marketing at senior level. Michael now works as the editor of www.life-assurance-bureau.co.uk/car-insurance/

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