Monthly Archives: October 2017

How To Reduce Gap Auto Insurance Premiums

Gap insurance auto coverage is a necessity only if the following two conditions are present:

1. You finance the purchase of a new or used auto.

2. You make a down payment of under 20%.

And in a case where you take advantage of one of the numerous 0 down/60 month lending offers you definitely want gap protection.

Nevertheless even when you do require gap insurance, it’s just necessary for as long as the outstanding loan balance exceeds the actual cash value of your car or truck. Usually what this means is a period of 21/2 to 3 years. So by the end of the 3rd year of installments the loan balance on your vehicle should be close to the cash value of your car or truck.

At this time the gap insurance could be terminated; but only if it was initially bought as a rider to a comprehensive policy sold by an insurance provider.

If, on the other hand, you purchase gap vehicle insurance protection from a auto dealer it cannot be terminated because you make a one time, up front payment.

Another significant difference between buying gap insurance from an insurance company or dealership is cost. Gap insurance coverage purchased using a auto dealer could cost varying from $500 – $700, while the same coverage bought through an insurance company will add only 5 or 6% to the price of your collision coverage, or about $30 annually.

So if your loan balance and the cash value of your automobile achieve parity within three years as suggested above, you’ll have paid out a total of approximately $90 for gap protection as opposed to hundreds of dollars more for coverage from a auto dealer.

Now, as if $30 a year wasnt affordable enough, it is possible to trim this amount even more. Since the cost of gap auto coverage is a percentage of the cost of comprehensive coverage, the less you pay for comprehensive collision coverage, the less you will pay for gap.

This provides a win, win scenario for each new car owner in need of gap insurance; especially if you have the time to evaluate a number of quotes from insurance carriers currently fighting for your business on television.

Auto Detailing The Secrets of the Experts!

The term auto detailing is applied to performing an extremely thorough washing and cleaning, polishing and waxing of an automobile in the exterior and interior components to produce a good show-quality of detail. This is usually practiced for personal gratification, to prepare cars for promotional product presentations and most importantly, as preventive measures to help lengthen the cars life and increase its resale value.

Components of Auto Detailing:

Exterior Detailing

This procedure includes cleaning the cars exterior sections such as the paint, windows, chrome trim, wheels and even the tires; and restoring its brilliance washing, polishing and waxing. Car waxing and polishing are essential procedures to auto detailing and each one is intended for a purpose.

Interior Detailing

This procedure includes cleaning the cars interior sections vacuuming, steam cleaning, removing stains on upholstery with liquid cleaners, dusting and polishing of some non-absorbent surfaces. Some auto detailers may offer to do Engine Detailing in which the cars under the hood is cleaned with high pressure water, steam, degreasers and all-purpose cleaners.

Simple Guidelines for Car Cleaning and Auto Detailing:

Car cleaning and auto detailing are purposely done to serve as good preventive maintenance measures and a great way to have your car look its best. Cleaning refers to getting rid of dirt and all foreign particles on the cars surface atmospheric pollutants, animal droppings, dust, dirt particles, highway bugs, road salt, stains and tar. This is done through dusting, washing, polishing and waxing.

Step 1:Washing.

Spray water slowly then progressively to wet the surface of the car.

Devise a washing scheme by dividing the car into sections left side, right side, top, hood and the trunk.

Start washing from top moving down to the hood, the trunk, and focusing on the left side and the right side. This a highly recommended pattern so the dirt particles and soap do not muddle with the freshly washed areas.

Always be gentle in doing the washing to avoid dirt particles scratching the cars paint.

Wet and wash each section following the same order top, hood, trunk and the sides.

Step 2:Polishing.

Polishing is purposely done to achieve a clean and glossy finesse. It removes a layer eliminating dirt but at the same time, thinning the top coat of paint. Polish that are specially created for dark color paint are designed to prevent the color from fading; while polish for pale color paint is created to keep colors clean and bright.

Polish small section at a time. Put an even coating of the polish on the towel.

Apply the polish to the cars surface gently in small, even-circular motions.

Begin from the top and working your way down the trunk and hood, lastly ending with the right and left sides.

The Nissan Murano Reinventing the Motor Vehicle

The Nissan Murano is seen to be the more advanced version over the conventional SUV. It combines the refinement and comfort of a premium sedan with the gusto and looks of a sports car and the aggression of an all-mode 4×4. It is in fact one seriously tough mother of a car.

Next Generation Design and Accessories

The Muranos bold design is emphasized by its confident wheel arches, twin exhaust pipes and its stable stance that emphasises a lightweight composite tailgate and covered sills which ensure your clothes stay clean. It is pure ingenuity that is at the forefront of the design and it can be seen.

With the new Murano functionality has not compromised luxury and there is ample legroom and shoulder room and rear passengers are able to recline their seats for a more laid-back approach to those long journeys. To top this off, climate control and a sunroof along with lots of hidden storage areas mean that the Nissan Murano caters to every family and individual motoring need.

The indulgence of heated front seats (an absolute treat during a South African winter), steering mounted audio and cruise controls and the multi-speaker BOSE audio system including a sub-woofer for impressive bass reproduction means that you will always travel in the lap of luxury.

The high-spec Murano with its award-winning 3.5 litre V6 engine and easy-breathing 24 valves, double overhead cam design incorporates lightweight aluminium components. Specially tuned, the Murano produces 172 kW of power allowing for instant acceleration and effortless cruising. This powerful beast is truly power for the people and lots of fun to drive.

Legendary Nissan Safety

The All-Mode 4×4 system automatically allows the Nissan Murano to find optimum traction on any surface, overcoming all low-grip and bad weather conditions. The Active Brake Limited Slip Differential (ABLS) together with the Vehicle Dynamic Control (VDC) system, which manages engine power and brake pressure, keeps the Murano driving on virtually any surface seamlessly and automatically. This will ensure that you enjoy your driving adventure in both urban and off-road areas in any weather.

Test drive a Nissan Murano and see for Yourself

With all of these basic features and a load more, it certainly makes one wonder if theres any merit in buying anything but the Nissan Murano. Simply contact your local Nissan dealer to set up a test drive and you will soon see why the world is going crazy for Nissan.

Motorcycle Battery Trickle Chargers – How To Revive A Low Voltage Battery With A Motorcycle Battery Charger

If you own a motorcycle, you have probably dealt with a motorcycle battery charger that would not work because the battery voltage was too low. Most motorcycle battery chargers or motorcycle battery trickle chargers have this problem. Pulling the battery voltage down too low is easy to do. Just leave a load turned on your bike and come back in a few days and you have a low voltage battery.

If you have a severely discharged 12v battery (below 9v), you can begin to experience some problems with a motorcycle battery trickle charger. Most motorcycle battery chargers can only charge a 12v battery within a certain range, such as 7-13 volts for a 12v battery. If the voltage falls below 7 volts, the motorcycle battery charger cannot recognize the battery and cannot begin charging. In this situation, you would need to jump start the battery to increase the battery voltage to allow the motorcycle battery trickle charger to begin charging. This can be extremely frustrating. With you are looking for a new motorcycle battery charger; make sure you do some research on how low the battery charger can charge a 12v battery. Some of the high-end motorcycle battery chargers can charge down 2 volts. It is not uncommon to pull a 12v battery down to 2-3 volts. Just stick a 12v DC light onto a battery and see how long the light will stay illuminated. I highly recommend the higher end motorcycle battery trickle chargers for this reason. Some of the higher end motorcycle battery chargers also have a supply mode. This is an awesome and useful charge mode because the battery charger does not care what the voltage of the battery is. This is one of those features that you do not realize how important it is until you have a severely discharged battery.

Car Dealer Leasing Tricks

Too often when it comes to auto-leasing, people get so dazzled by the myriad terms and the jargon thrown their way that they end-up paying through the nose, relying on a dealers help than their own informed decision.

Here is a look at some of the tricks dealers use to pad their profits and leave the customers shelling hundreds of dollars more than the deal should be worth.

Trick 1: Leasing always a better deal than buying

Dealers use the lure of lower-monthly payments to entice customers to sign for long-term loans, with terms stretching for five years or more, making the payments even lower. There are two catches with such lengthy contracts: higher mileage, exceeding the prescribed limit, and hefty repair costs.

With leases charging on average 10 to 20 cents a mile for any extra mile over the agreed amount in the contract, and warranties only covering three years, you leave yourself wide open for hefty charges for excessive mileage and wear and tear.

Trick 2: Cheap 2-3% APR rate on your lease

The dealer is not quoting the interest rate you would be paying on your lease; hes rather giving you the lease money factor. Whilst similar to an interest rate and important in determining your monthly payment, a more accurate rate is calculated by multiplying the money factor by 24. For example a cheap 3% money factor is 24 X 0.003 = 7.2%. This gives you a better sense of what your annual interest rate on your lease contract is.

Trick 3: Stress-free early lease termination

Dealers know consumer driving needs change and they would like to have the option of getting out of a lease commitment sometime down the road, before their lease ends. Truth of the matter is, when you sign for a lease, you are effectively saddled with monthly payments for the remainder of the lease term and there is little-choice of getting out early. Lease contracts carry hefty financial penalties for either defaulting on monthly payments or terminating the lease earlier than the scheduled term.

To avoid being on the receiving end of such tried-and-true tricks, educate yourself about leasing. Get down to the nitty-gritty and understand what the leasing terms used by dealers mean. Crunch the numbers along with him and understand how they arrived at the monthly payment figure. Dont sign anything until youve understood all the terms and your numbers much those of the dealer. Do not let the dealer pressure you into signing; you are the one to determine whether the agreement is right for you.

How Cloud based Auto dialer is an Important Tool for Your Business

An auto dialer is a computer program that allows a phone to dial a list of telephone numbers and then send a prerecorded message or offer options Callers for additional information or even allow them to connect to live person to get more information or to complete a purchase decision. You could compare an auto dialer to an answering machine reverse only with many more features.

An auto dialer can have an incredible impact on the success of your business because you can do a lot of work and requires very little effort or time on your part. Phone calls are made with superior efficiency and effectiveness as the only customers that are forwarded to a sales person are those that require additional information or wish to make a purchase , which means that valuable time is spent where it is needed and will have the greatest effect. Eliminating cold calling can also increase stress and improve morale and performance of your sales staff.

Auto dialers today have great features

There are many features available in today’s automatic dialers. Some of the most valuable features Auto dialer to look for include: the ability to work with both fixed telephony and VoIP, like Skype, voice recognition, which is able to play a different message depending on whether the phone is answered by a person or an answering machine, caller automatic retry busy signals, calls self – and even schedule recurring phone calls regularly scheduled weekly, monthly or yearly. Get the best features makes your auto dialer a valuable part of your business success.

Since you do not want to give a personal touch and a good customer service for the sake of technology, it is important that you can record personalized messages with their own voice and change messages based on customer feedback. This can avoid the impression of being cold and indifferent and allow you to save time and money without alienating its valued customer base.

Summary

Most businesses and even nonprofit organizations can benefit from using an auto dialer. An auto dialer can be a wonderful way to save time and reduce costs and increase customer service levels and satisfaction. An auto dialer with high-tech features , including the ability to tell between a person and an answering machine, the ability to record several personal messages , and compatibility with telephony services either fixed or VoIP as Skype has the greatest benefit for your business.

For more information about how Cloud based Auto Dialer, IVR software, Call Center Software, Cloud based Auto Dialer and Hosted IVR may work for your small business, visit the LeadsRain.com.

Automotive Service Technician Training For A New Career

If you are seeking a career in auto repair, you will soon find that automotive service technician training is offered in trade schools, vocational schools and community colleges across the country. Automotive service technician training is perfect for those who enjoy using their minds to solve problems, and don’t mind getting their hands dirty.

Today’s automotive repair professional must be more than just an auto mechanic; they must be well-trained experts with solid training in automotive service and repair and plenty of hands-on experience. With the proper background and certified auto service training, you could soon have the title of professional automotive service technician.

When you begin your automotive service technician training, you will learn much more than the essentials of car maintenance and auto repair. A thorough automotive service technician course should touch upon communications and business practices, which will be especially helpful should you decide to go into business for yourself.

Your practical training will cover the specialized uses for electronic diagnostic equipment, computer-based technical reference materials, diagnostic computers and compression gauges. You will learn how diagnose the source of engine or electrical problem(s) in cars, trucks, buses, and motorcycles, and accurately determine the type of repairs required. The auto service technician course will teach you to perform maintenance and repairs with traditional hand tools, such as screwdrivers, pliers, and wrenches, as well as power tools, specialized computers and hydraulic equipment.

To reach the level of certified automotive service technician can take up to a year of study and practical experience. Some automotive service technician schools offer an advanced two-year associate degree program, which would be very helpful when seeking employment after graduation. Once you are a certified automotive repair technician, you will be subject to regular review and recertification. You should be able to depend on your school update their curriculum to keep current with emerging technologies, and to periodically provide refresher courses for working technicians.

If you think you are ready to begin automotive service repair training, the first step is to be sure that your chosen school offers Automotive Service Excellence (ASE) Certification. ASE Certification assures that your school will provide you with training that is comprehensive and of high quality.

To learn more about automotive service technician training, or even online automotive training, visit our website and submit a request to a few schools today. You will soon be on your way to a new vocation in auto service and repair.

DISCLAIMER: Above is a GENERAL OVERVIEW and may or may not reflect specific practices, courses and/or services associated with ANY ONE particular school(s) that is or is not advertised on our website.

Copyright 2007 – All rights reserved by Media Positive Communications, Inc.

Notice: Publishers are free to use this article on an ezine or website, provided the article is reprinted in its entirety, including copyright and disclaimer, and ALL links remain intact and active.

Auto Insurance New Jersey Financial Responsibility Laws

If you are in the process of receiving your driver license in the state of New Jersey, you must purchase auto insurance and provide proof of your insurance to the Department of Motor Vehicles if you have a vehicle registered in your name. Every state in the nation requires drivers to purchase some form of automobile insurance to protect third party drivers. Insurance laws in New Jersey differ from several other states. It is important to know what coverages state financial responsibility laws require. If you fail to carry sufficient auto insurance New Jersey you could face serious punishments and penalties including license suspension, registration suspension, fines, tickets, and jail time. Walk into the DMV prepared with the right type of insurance.

The state of New Jersey requires all drivers to carry liability insurance. Liability insurance will protect third parties and will not pay for injuries or damage that the insured suffers. Liability consists of two different coverage types: Bodily Injury and Property Damage. Each of these coverage types have specific limit requirements in the state of New Jersey.

Bodily Injury will pay for injuries suffered by a third party when you are deemed at fault for an accident up to the limits stated on the declarations page of your policy. Auto insurance New Jersey financial responsibility laws require that drivers carry no less than $15,000 per person and $30,000 per accident in Bodily Injury coverage. Property Damage will pay for damage to a third party vehicle. The limit stated on your policy is the maximum your policy will pay no matter how many vehicles are damaged in the accident. The state of New Jersey requires drivers to carry no less than $5000 per accident. Liability coverage can be written in a more simplified manner. The minimum liability limits are often written as follows: 15/30/5.

Unlike many states, New Jersey also requires drivers to protect themselves and their passengers with Personal Injury Protection coverage. This coverage also referred to as PIP, will pay for injuries to you and your passengers sustained in an accident up to the limits stated on the policy. The state requires policyholders to carry no less than $15,000 per person per accident in Personal Injury Protection coverage.

Although there are several other optional coverages available in an auto insurance New Jersey policy, these are the required coverage you must purchase to satisfy state mandated laws. Choosing not to carry insurance can cost you far more in the long run in fines and lawsuits. Protect yourself and abide by the law by purchasing New Jersey auto insurance right when you are licensed. With affordable coverage available from leading insurers, you do not have to break the bank to invest in protection.

Know about what is high risk Auto Insurance

Automobile insurance is mandatory for a car owner in India. An individual can’t drive legally if they don’t possess auto insurance. A wide coverage auto insurance policy covers every risk. It indemnifies an insured in an accident by paying for damages to own car plus damages for repairs of third party vehicle damages. You can buy additional coverage by paying extra premium. You can buy personal accident insurance and third party property damages along with your motor insurance. Auto insurance quotes are also affected by coverage provided by the insurance policy.

Well, everyone is not a sound driver and many people have less than flawless driving records. Therefore, high risk automobile insurance is specially meant for drivers having high risk. More and more people are falling in high risk driver category these days due to which high risk auto insurance is getting popular. But you may be curious to know how an individual is judged as a high risk auto driver. r.

A driver who has received numerous tickets from traffic authorities due to faulty driving along with history of auto accidents or violations is considered as high risk auto driver. Further, you are considered a high risk auto driver if you are a young driver. Due to being high risk auto driver, you are charged more for an insurance policy while a standard auto driver is rewarded with lower premiums.

Automobile insurance is generally very costly for such type of drivers. But you should understand that high risk auto insurance works similarly as a standard insurance policy. Cheap auto insurance is usually enough for a standard driver with lower coverage as high risk drivers have a greater probability to make an insurance claim. But difference between a standard auto insurance and high risk auto insurance lies in the coverage provided by each type of insurance policy.

The goal of high risk auto insurance is to eventually make you a safer driver and to help you regain status of being a standard driver. An individual falling under high risk category can also save money on insurance and can buy cheap auto insurance. All you need to do is to obtain maximum auto insurance quotes as possible which can be done online. Online auto insurance quotes are generally cheaper as compared to offline medium. Online insurance providers provide various comparison tools and help you getting multiple quotes on a single platform making it easier for you to buy insurance policy meeting your insurance motives and requirements.

Often Overlooked Methods to Get Cheaper Car Insurance Quotes

Getting cheap car insurance quotes is the primary goal for anyone looking to purchase auto insurance, but some people mistakenly think that cheap quotes mean they are somehow less protected than paying the full amount. In reality, it’s extremely simple to do, and will save you a huge amount of money in the long run. How much you pay is dependent on several factors, but there are many common money saving areas that often get overlooked. To come up with your quote, an insurance company will look at what kind of risk you present, and give you an offer based on these numbers.

1. Driving record:

When you pursue a quote, the insurer will check your driving record as whereby a company will ask how often you drive. A recent speeding ticket or moving violation especially within the past three or five years can make a big difference in your car insurance premiums, and the insurer is going to check your motor vehicle record before offering you its official rate. Check your files (canceled checks or payment receipts, for example) to find out how long ago you got a ticket. If you already have a good driving record, you’re probably going to wind up happy with your car insurance premiums.

2. Credit history:

Your credit score can make a big difference in your auto insurance rate. You don’t necessarily need to know your exact score when you apply for a quote, but most sites ask whether it’s poor, fair, good or excellent, and they’ll check it out on credit history and other information before finalizing the rates. Whether you’re working with a quote site or agent or dealing with the insurer directly, you should track down certain information ahead of time. It lists every claim and the amount paid out within the past seven years. Insurance companies usually rate you on your past history of three years.

3. Shopping around:

Getting cheap car insurance quotes is all about how you present yourself to the insurance company. Submitting the detailed information when shopping around for insurance not only helps you get accurate quotes, but it can also help you find the best deal. The more detailed information you provide up front, the more accurate the quotes will be. When getting car insurance quotes, online and in person, see if it’s possible to insure both your home and your car with the same company. Not only is this a huge time saver, but companies will almost always offer you a substantial discount to take both services.

Conclusion
Remember, shopping around is the key finding of a cheap car insurance quote. The greater amount of options you have given you the most power to make a cost-saving and informed decision on your insurance. Try finding several quotes online, and from contacting a company directly. You will see many different options, and even be offered discounts to choose one company over the other. Cheap car insurance quotes are important, but getting good coverage is even more so.