Category Archives: Automotive Share

Did You Know that Your Credit Score Affects Texas Auto Insurance

Did You Know that Your Credit Score Affects Texas Auto Insurance? Credit Ratings and Insurance Premiums Are Intertwined in Texas

While many drivers don’t know it, Texas auto insurance law actually allows insurance companies to run your credit report before offering you a price for your policy. This helps the insurance company to determine your overall insurance risk and helps them determine the likelihood that you will pay your premiums on time. While few drivers are aware of this law, it helps to explain why some drivers with flawless records pay more in premiums than drivers with tickets who have superb credit ratings.

How to Tailor Your Credit for Lower Texas Auto Insurance

If you are worried that your credit score may drastically increase your auto insurance premiums, it is of course important to realize that the difference will not be so great that insurance becomes unattainable. With that said, however, improving your credit can certainly help you discount your overall policy premiums. Learning what you can do to improve your credit can help you save on Texas insurance as well as on other credit based purchases.

Credit Boosting Tips for Lower Auto Insurance in Texas
Paying your bills on time can lower Texas auto insurance premiums.
Pay more than the minimum on your credit cards each month to lower balances.
Keep lines of credit open longer and with low balances.
Consolidate old debts and make payments each month to improve your score quickly and lower Texas insurance rates. Do You Know Your Credit Score?

Monitoring your credit report can help you understand increases in your Texas auto insurance premiums. Keep an eye out for any fraudulent reports and make sure that you are staying on top of any debts. Simple monitoring can make a huge difference. If you see an item that looks suspicious, contact the reporting agency to verify that the debt is valid.

Texas Auto Insurance Rates Can Be Dropped

If you can improve your credit rating, you can lower your auto insurance premiums. We are all looking to save money in today’s economy, and improving your credit can help you save in many areas. Take the time to ask your insurer how your policy is affected by your credit and if there are old debts that are raising your premiums take care of them today so that you can pay less in Texas auto insurance tomorrow.

Choosing The Best Auto Glass Repair

Not many people know how to deal with a major accident once it happens and replacing and repairing a windshield can leave most people frazzled. What should you know when you begin to look for windshields replacement? If you need auto glass treatment and do not know where to look, there are several steps you can take to finding the best glass company for your needs.

Your insurance policy may have certain stipulations about a replacement. Nearly any insurance will require that the glass must be repaired by an accredited service that has met the auto glass replacement safety standard guidelines. This is the only auto glass replacement standards for North American companies and any glass companies that do not have the standard will not provide the best service, even if they have a lower cost on parts and service.

When you buy windshields replacement, you need to ask whether or not the new part has the ability to protect you. The windshield needs to be the brace for the airbag on the passenger side as well as keep the roof from collapsing if the car rolls over. Auto glass that is not installed by a certified technician runs the risk of compromising your safety in a serious accident.

Many auto owners ask themselves when it is truly necessary to purchase a brand-new windshield or when simple repair is capable of removing any damage. A single rock kicked up by a truck can create a small crack the size of a quarter that can ruin some visibility, but has much greater risks over the long run. A minor crack grows into a larger crack if additional strain or weather damage (especially water that melts and freezes), but repairing a small crack will only cost a small amount in comparison to a full replacement. It will likely take less than an hour.

When the crack is larger than the size of a palm, however, repair might not be enough to keep damage from spreading and full replacement may be necessary. Check around for companies that will work on your schedule and ask whether or not your insurance policy may be able to provide for most or all of the repair. Sometimes, the damage is minor enough that the cost of repair may completely be covered by your insurance’s deductible, so that it ends up costing you nothing. In other cases, a direct bill to the insurance provider may be needed.

Types Of Automotive Lifts

Auto lifts can be found in most urban cities. Mechanics use them to raise vehicles for bottom access. In the past, most automotive lifts were of the in-ground type. These days, the majority of garages have surface-mounted lifts, which are bolted to the floor and utilize a hydraulic pump or a screw-type drive powered by an electric motor.

Here are the different types, available from garage equipment supply dealers:

In-Ground

This type of vehicle lift is assembled below the floor of the garage. It consists of one or more pistons, depending on the maximum weight capacity. Lifts with one or two pistons are used for compact, mid-sized and full-sized cars. Lifts with three or more pistons are used for larger vehicles, such as RV’s and busses.

Two-Post Surface Mounted Automotive Lifts

The most common automobile lift utilized today is called the “Two Post Surface-Mounted Lift.” On each column, there are lift arms. These are controlled hydraulically, electronically, or mechanically.

Multi-Post Runway Lift

The most common type of Multi-Post Runway lift is the four-post mounted lift, which is extensively used by oil change, transmission, and muffler service shops. Youll find this type of automotive lift in wheel alignment service stations as well. The car is driven onto the two runways and raised, exposing its underside.

Low/Mid Rise Frame Engaging

This type of auto lift engages the vehicles frame while lifting. There are two ways this type may operate. One way is scissor-style, moving straight up. Another is parallelogram-style, moving forward or backward, while raising or lowering. This type is commonly used for tire, brake, and wheel services, as well as auto body repair.

Drive-On Parallelogram Vehicle Lift

The Drive-On Parallelogram Lift is a surface-mounted auto lift. It has two runways where the wheels of the car should be placed. It has a lifting mechanism that moves the vehicle a short distance forward or backward while raising or lowering. The direction depends upon the way the lift is mounted.

Scissors

The Scissors Lift can either be of a fixed-pad type or a roll-on frame/underbody engaging type. It has a lifting mechanism thats similar to the parallelogram lift. The main difference is that the scissor lift goes up and down, on a straight vertical path.

Movable-Type Wheel Engaging Auto Lift

This type of auto lift is used for vehicles that are longer than conventional cars, such as buses and trucks. It consists of several lifting columns in sets of two, four, six, or more. Columns can be moved can can be connected with other columns so that their movements are synchronized.

Automotive Diagnostic Tools

Autoscanner diagnostic helps car owners a lot. These days, with increasingly much more motorists within the roadway, generally there is certainly the likelihood for accidents. However, as soon as this occurs, probably the most important factor that people consider is locating a major excellent vehicle physique fix business.

diagnostic scan tools is a necessity for vehicles. The reality is, no a single really intends to possess any sort of collision, but they do occur when we least anticipate it and can cause much strain for the brain, as very well as the pocket. It will be essential to find the greatest retail business within your neighborhood and also a single which you will experience confident adequate to trust with your car entire body repairs. If you are looking to discover an auto entire body retail outlet within the Tri-Valley area on the East Bay, the task will probably be quite uncomplicated, on the other hand obtaining a trustworthy and reliable restoration retail outlet will probably be the challenging component. Consequently, you need to conduct an in depth study prior to leaving your motor automobile at a retail outlet, so on the next paragraphs you will uncover several useful suggestions.

Some types of automotive scan tools can even solve some of your car’s problems for you. Many of these automotive scan tools can interface directly with the new computers being built in cars. This is possible because most new cars have an OBD (onboard diagnostic computer) that constant monitors and can report on commonly malfunctioning car systems. This makes it much quicker for you to get your car repaired. In many cases it can save you diagnostic charges. Most importantly, it can save you from having your mechanic trying to fix the wrong parts of your car.

automotive diagnostic tools is intended for testing and programming tasks. Get a Diamond Certified Entire body Retail outlet. So as to have a Diamond Certified Organization the course of action is not merely detailed, but challenging as nicely. So, if you might be told that they have a Diamond Certification, they specialize in the highest excellent by an independent source.

Kentucky Auto Parts Salvaging

An auto parts salvaging yard is utilized to store and scrap cars that are either old, unused or in poor condition. These business entities will store these unused automobiles in systematically organized rows to promote better efficiency. Machines are normally a part of the process. They are used to flatten these vehicles and make them more compact for easier storage. Whenever there are functioning parts present within the vehicle being scrapped or stored they will usually be taken out and sold. Nowadays, cars that are stored are inventoried using special codes that are entered in a computer database to improve the searching for and organization of these vehicles.

The parts that are removed include the more peripheral parts like the headlights, mirrors, tail lights, blinkers etc. If these are in in relatively good condition then they may be sold to prospective customers. The more vital parts like the transmission and engine are often purchased by car manufacturers who may recondition these parts and sell them with a special warranty. Some older cars are maintained to the liking of classical car enthusiasts. Because these older car parts are probably no longer manufactured, salvage yards may gain a good profit from the sale of these seldom seen parts.

Kentucky does not deviate from most other states where salvage yards are concerned. It boasts a viable auto parts salvaging industry. Most junk yards or wreck yards will normally integrate a useful salvaging practice into their regular operations. However for any salvaging yard to operate within Kentucky or any other state appropriate licensing by the associated state authorities is a must. If you are interested in accessing parts from a salvaging yard and live in Kentucky, then you may simply search online which has a great listing of multiple salvage yards that operate in the state. It is important that once you have an interest in acquiring parts from a salvage yard that you comparison shop to get the best parts and prices.

Finding an Auto Accident Attorney

If you drive a car, the chances are pretty good that you will be involved in an auto accident sometime during your life. According to the National Highway Traffic Safety Administration (“NHTSA”), there “are more than 1,700 fatalities and 840,000 injuries yearly due to vehicle crashes off public highways.” NHTSA also reports that auto accidents, unfortunately, are the “number one killer of children 1 to 12 years old in the United States.” NHTSA. If you’ve been injured in an automobile accident due to the negligence of others, the law allows you to be fairly and adequately compensated for your harms and losses. If you are not being treated fairly by the insurance company, you may need to hire an auto accident attorney, also known as a personal injury lawyer, to help you through the legal maze. Here are few things to consider when looking for a good auto accident attorney:

Seek Out Referrals

When looking for a good auto accident attorney, don’t simply rely on advertising. Because hiring a good personal injury lawyer is a significant decision, you should ask your neighbors, friends and co-workers about any experiences they have had with a personal injury lawyer. If you don’t know anyone who has used an auto accident attorney previously, then you should do some research before hiring one. Read about the attorneys you are considering. Find out if they are rated by organizations such as Martindale-Hubbell. Find out about their experience with personal injury claims. Once you have narrowed your search for a good auto accident attorney, you should meet with him or her to see if you “click.” Does he or she take time to understand your case and your injuries? Is he or she willing to explain your rights to you and explain the legal process to you? Will you be dealing with the attorney or a legal assistant?

Experience is Important in Personal Injury Cases

In personal injury cases, experience is going to count…a lot. You should look for an attorney who has significant experience and one who has a history of positive results. You will want an attorney who, if necessary, is willing to take your case to court.

If you need the services of an auto accident attorney, contact the Truman Law Firm. Reach them on the internet at Trumanlawfirm.com or by phone, (435) 986-2222 or (702) 821-1821.

Understanding Texas Auto Insurance Laws

Examining the Minimums for Auto Insurance in Texas

Have you recently moved to Texas or are you a young driver just looking into auto insurance in Texas for the first time? If so, you might not yet be aware of the minimum requirements for Texas auto insurance policies. Today, we will offer you a closer look at minimum requirements, as well as what to seek when you are looking for Texas insurance.

The Main Points of Minimum Texas Insurance

Liability limits are 25,000 for bodily injury
or death to one person and 50,000 for bodily
injury or death to two or more people.
Liability Texas auto insurance also means a
minimum of 25,000 in coverage for damage or
destruction of property.
Texas does offer the choice to post financial
bond and provide self-insurance in lieu of a
traditional Texas insurance policy.

What Other Rules Govern Texas Auto Insurance?

You will find that in Texas, you must carry policy minimums on every single car that you own. Proof of insurance is required to be in the vehicle at all times, and driving a motor vehicle without this proof will result in fines between $175 and $350 for a first offense, with fines increasing for subsequent offenses. If you are caught without proof of insurance three times, your driving privileges will be suspended. It is also important to note that insurance is required on your vehicle before you will be allowed to register it with the state.

Dont Let Your Texas Auto Insurance Lapse

If you live in the state of Texas and have a vehicle registered with the DMV, a lapse in coverage will be automatically reported. Allowing your coverage to lapse can result in license suspension if you are caught driving. Maintaining auto insurance in Texas is absolutely crucial.

Why Do I Need Insurance?

If you are trying to understand why Texas insurance is mandatory, consider this. No matter how excellent your driving skills may be, all it takes is a moment of distraction or even a flat tire to send your vehicle out of control, damaging property and possibly even hurting or killing someone. Without Texas auto insurance, you would be held liable for all expenses, and without the money to pay, injured parties may not be able to receive proper care. Insurance laws protect you as well as others, and maintaining mandatory minimum insurance isnt just recommended, its the law.

The Truth About Automotive Repair Shops

Lets face it entrepreneurs only start a business for one reason to make money. Why would someone go through all the expense, risk, and pain of starting a company if there wasnt hope of significant reward? Im not saying that everyone is money hungry or greedy, but I am saying that a business is there to make money.

An automotive service shop is a business. In order to keep running, they need to make money. Most shops employ a salesman, also known as a service writer whose primary duties include writing up customers, communicating between the customer and the mechanic, some even inspect vehicles with the technicians, and most importantly, selling service to ensure company profitability. Like any good salesman should, they will befriend you and recommend services to “help” you out.

Heres what most people dont know about service advisors they are paid in commissions. Like any other salesman, the more they sell, the more they get paid. Thankfully there are a lot of good people out there who truly want to do you right and keep your business. However, for every honest automotive service representative thats out there today, there are 9 more that only care for their paycheck.

The U.S. Economy has seen better days. Unfortunately, as money becomes scarce, more people will result to any means in order to make a buck. Look at the rise in scams taking place today. A prime example is the lottery scams where you receive an e-mail or telephone call saying you have received a large sum of money, but you must send money first to receive your fake “winnings”. Or the latest “loan scam” where a company says they can loan you around $5,000 with bad or no credit, but you must pay the first few payments up front.

The BBB (Better Business Bureau) was developed to protect consumers from businesses that have repeatedly done customers wrong. Also, some states such as California took it a step further and developed the BAR (Bureau of Automotive Repair), to protect consumers from shady shops. Unfortunately, these services usually only catch the worst of the worst, and a lot of shops still get away with bad business.

So what can you do to protect yourself? Find a shop you are familiar with or that has a good rapport with their customers. Even though it can be time consuming, shop around for pricing to keep them honest. Research and come up with a service plan that suites your needs. Lastly, always get a second or even third party opinions, even when it comes to that mechanic you have known for years. Or if you would prefer a professional to protect you when it comes to maintaining and repairing your vehicle, seek out a company like Auto Service Security. Spending a little extra time, may save you a lot of money and hassle.

What Is Oem Auto Glass

OEM stands for Original Equipment Manufacture. This means that the auto glass meets the original specification for safety and quality as the glass that it came with from the factory. Auto manufacturers do not make glass. They use different auto glass manufacturers’ to make the glass for your vehicle. A “dealer” glass is the same glass the auto glass shop would have, made from the same auto glass plant, but, in the process, the auto glass manufacturer stamps the brand name, such as Toyota, or Ford, making it a “dealer.” Same exact glass, but more expensive due to the brand name.

OEM auto glass means it is essentially the same piece of glass that is installed at the time the vehicle is made with the only difference being the windshield manufacturer. OEM glass is produced from original equipment-style tooling and meets the manufacturer’s specification for safety and quality. Only OEM glass can insure proper fit and finish which greatly reduces the possibility of air or water leaks. Most importantly, only OEM glass is designed specifically to meet the safety standards necessary for protection in an accident. You should always use OEM glass to insure your safety. If you are making an insurance claim to pay for your windshield replacement, you are mostly entitled to OEM glass. You have paid for it in your policy.

There is plenty of cheap non-OEM quality after glass market out there, but saving a few dollars on a piece of glass that may or may not fit right or be of the right thickness is not worth the risk to car owners.

OEM suppliers are trusted by auto manufacturers like GM, Chrysler, Toyota, Ford, etc to provide quality controlled windshields that are a perfect match and fit for their vehicles. OEM suppliers spent hundreds of million dollars in research and development, using computer-assisted engineering and designs programs (CAE and CAD) to ensure quality windshields for their vehicles.

Each OEM windshield goes through rigorous and thorough surface contour and optical quality checks as it moves down the assembly line. Auto glass parts produced by OEM manufacturers consistently fit better and adhere to the same standards for fit and finish as the glass that is originally installed when the car is built.

The after market shops will tell you that their product is the same quality as an OEM windshield. Wrong. Non-OEM auto glass manufacturers make copies of OEM auto glass parts. These copies have to vary slightly from the OEM part due to the fact that OEM parts are patented and the designs are protected and trademarked.

How You Can Save On Auto Insurance

Many small factors determine the actual cost in involved with auto insurance. Paying attention to such details will markedly minimize the expense of insuring your vehicle.

The law in most places requires of the vehicle driver to carry an auto insurance policy and many people approach it something as something that must be done but preferably avoided. Often then, they go to the same place every year possibly not aware of important savings that are available to them.

One of the simplest things to do is just to have a look around. It is not that difficult to get a few quotes from a few insurance companies around in order to notice which one provides the best features for the dollar. These days with the wide spread of the Internet such task is made very easy and insurance quotes can be received in few minutes right on ones own personal computer.

One of the things insurance companies often do in determining the client’s cost of the insurance premium is looking up his or her credit history. So having it improved can obviously save money. Credit management is a whole other topic but briefly here – anyone is entitled to free credit score report on oneself up to once every 12 months. Each of the credit reporting agencies being Equifax, Experian, and TransUnion are obligated by law to comply with such request.

How knowing the score can be to advantage? Well, each of the positive and negative remarks in the report have expiration date therefore applying for insurance after a negative one expires can by itself lower the insurance premium. Otherwise, obviously, paying the bills on time is the main factor in keeping the score on the high side.

Also you don’t need to pay for fancy or frequent credit reports basic one is all that is needed. And once we are on that topic – there are some companies around that say they offer a ‘free’ credit report while it is not free at all – the fine print states that an annual ‘membership fee’ needs to be paid in order to obtain that ‘free credit report’. So that is something to certainly be careful about.

And last but not the least idea for saving on auto insurance premiums has to do with the fact that not all the car models are considered equal by the insurance companies. For instance vehicles that statistically show to be stolen the most will also carry higher insurance cost. And if the particular car parts tend to be more expensive so then will be the insurance.