Posts Tagged ‘Tips’

Tips for California Auto Insurance drivers

Articles | Posted by
Sep 05 2011

Tips for California Auto Insurance drivers

The state of California requires all car owners to have auto insurance for licensing, registration and operating a vehicle. Purchasing auto insurance with adequate coverage at the lowest price can be difficult.

With many preferred insurance carriers, California Auto Insurance searches and gets quotes for each consumer because the types of freight companies can be very difficult to deal with on your own. Insurance rates are based on the experience of past losses and expenses. These can be very different for each insurance company, even within a given town, city or metropolitan area. To make insurance shopping an easier experience fill out some basic information on a single form to get car insurance quotes from multiple agents instead of one carrier. The right California Auto Insurance agents can help you get the best coverage at the best price. So take some time to shop before you buy. You can save money and get better coverages by finding the right agent.

The required auto insurance coverage in California includes:

Bodily injury coverage with a minimum of $ 15,000 for an individual and $ 30,000 for all persons in any accident.
Property damage liability with a minimum of $ 5,000. This pays for damage to property of others.

Shop Around for Auto Insurance. You may not realize it, but the insurance rates you pay for on your car can vary greatly depend on the company that you choose. You should always compare before deciding on a policy. California also has what’s known as the California Low Cost Auto Insurance Program. This program helps reduce the number of uninsured drivers on the road, providing low-income good drivers with affordable auto insurance options. Qualifications are based on household income, good driving record and the value of the vehicle at the time of purchase. Here are some examples of what determines the cost of your auto insurance premium.

Type of vehicle – car insurance is more expensive for newer cars, because it costs more to repair or replace. Car insurance varies from car to car, so before buying or leasing a new vehicle, check to see how much the car insurance will cost.
Use – The more miles you drive, the more your insurance will cost.
Deductibles – You can increase your deductible to reduce your auto insurance costs, but make sure it is financially viable and the right decision.
Driving record – Many companies offer discounts on auto insurance for consumers without accidents and violations. Drive safely and pay less on your auto insurance.
Multi-Policy Discount – Some insurance companies offer a discount to consumers who purchase both auto insurance and home insurance from them. This also makes it easier for you to have one insurance agent to work with.
Group Discount- Some companies have discounts available if you are a part of a specific group- for example, the employer, association, occupation, etc. Be sure to ask your California Auto Insurance agent about group discounts.
Good student – Teenage drivers on your policy can increase your auto insurance rates. If the teen is a good student, most companies offer a discount on your auto insurance.
Restraint systems and anti-theft devices – Many companies offer a discount on your auto insurance if your car is equipped with safety devices, such as certain anti-lock brakes, air bags, anti-theft and / or vehicle recovery systems.

We at California Auto Insurance are providing excellent service, coverage and prices for all your insurance needs. We are dedicated insurance experts in all lines of insurance products. We have over 10 years of insurance experience and provide excellent protection from the nation’s top carriers.

Source: ArticlesBase.com

Maintenance Tips for Brand New Cars

News | Posted by
Aug 28 2010

You’ve recently purchased a new car and you’re obsessed with keeping it clean. After all, you don’t want your car to end up looking like most used cars: dusty, full of crumbs, and with coins stuck to the beverage tray. A new car is much easier to maintain because you’re starting out with a spotless vehicle that doesn’t have any nagging problems, like rusting or upholstery tears. If you incorporate the following tips into your car maintenance routine, your car will feel brand new for years to come. 

REGULAR MAINTENANCE IS KEY: 

The car manual will outline the different things you need to do to keep your car running smoothly. It will also tell you how often you should perform those tasks and with what type of fluid. The most common maintenance tasks are: 

- Checking the oil level at least 4 times a year.  

- Checking the brake fluid level regularly, especially if you notice a difference in the brake pedal.  

- Checking the automatic transmission fluid once a month  

- Having the engine cleaned every one to two years  

- Refilling the antifreeze/coolant fluid regularly  

- Refilling the windshield washer fluid regularly  

- Checking your tires regularly 

KEEP IT TIDY: 

- Keep a small plastic bag in the car for trash and dispose of it every week. If you don’t let trash accumulate in your car, it will be easier to keep the interior clean. 

- Use a UV resistant car cleaner to wipe down the dashboard, the steering wheel, the inside door panels and any other hard surfaces. This should be done weekly; it will keep these areas clean and it will provide UV protection in the sunlight. 

- Clean up any spills as soon as possible to prevent mold and bad smells. 

- Avoid eating or smoking in your new car but if you must, be attentive to bits of food that drop to the floor or cigarette flints that fly off within the car. 

GIVE YOURSELF SPACE: 

- Avoid parking in tight spots. Even if you don’t tap the other car’s bumper as your parking, there’s a good chance other drivers will bump into your car while trying to get out of a tight space. 

- In a parking lot, choose a space that has empty spaces on each side. This will lessen the possibility of your car brushing other cars as you enter the parking spot. 

- Park in well lit or common areas. Leaving your car in a dark alley will increase the chance of a break in and of your car being stripped; it can also put you in a dangerous situation when you get to your car. 

LISTEN TO YOUR DASHBOARD WARNING LIGHTS: 

If a dashboard light stays on, refer to your car manual to diagnose the problem. Most car manuals have an illustrated page at the end that shows dashboard symbols and their possible meanings. Whatever you do, don’t ignore the light because even if the car is functioning normally, it’s just a matter of time before it will fail in some way or brake down. Most problems, such as a low oil level, can be fixed quite easily if they’re addressed as soon as the dashboard warning light goes on.

CHECK YOUR TIRES: 

Checking your tires regularly will make driving both safer and more fuel efficient. 

- You can check the tire pressure with an inexpensive tire pressure gauge. Remove the valve cap on the tire and place the tire gauge onto the valve; watch the tire gauge for a reading. Your car manual or a label on the inside of the driver’s door will tell you how much tire pressure you should have; add air to match that number. 

- Have your wheels aligned and balanced every year or when you buy new tires. You can check the tread wear by comparing the inner tread of the tire to the level of the tread markers; if it’s lower than the tread markers, the tires need to be replaced. You can also check the tread wear using the penny test: put a penny with Abraham Lincoln upside down into a tire groove and if the tire tread is lower than the top of Lincoln’s head, the tires need to be replaced. 

FIX DENTS AND CRACKS AS THEY HAPPEN: 

A small crack in your windshield doesn’t have to mean a full windshield replacement if you have it repaired as soon as you notice it. If you let it go, the crack will expand and it will then become a safety hazard if it affects your view. Similarly, a scrape or a dent on the body of the car can easily morph into a rusty spot. It’s best to have the car fixed professionally but you can use fill in pens on smaller areas. 

Buying a new car makes it easier to keep your car in top condition but these tips apply to all cars. Many drivers focus only on their insurance coverage and on driving safely, and they neglect the car itself. If you take the time to check your car for things like leaks and low fluid levels, you can prevent unnecessary damage and costly repair bills; you can also keep your car in excellent condition for many years.

Have a fun and safe time on the road, and visit us to find the best deal on the insurance coverage you need. Get money-saving tips, affordable auto insurance rates and helpful advice about automotive coverage from Auto Insurance Rates Direct today.