auto insurance

Questions to Ask When Financing a New Car

If you’re like most Americans, you don’t have $36,270 (the average new car price) saved up and burning a hole in your pocket. However much or little you have saved toward the purchase price, you’ll need to finance the rest. Once you reach a deal, it’s time to talk financing. Knowing what to ask will determine how much or how little will be added to that purchase price. Where Will You Get Your Financing: Bank or Dealer? There are pros and cons to either option, and lots of exceptions. You can’t beat dealer financing for convenience. But sometimes a bank…

Before You Buckle Up: Insurance Tips for New Drivers

For new drivers, earning that license may seem like the biggest challenge when it comes to driving. However, obtaining the right car insurance is another obstacle many drivers don’t consider. These tips will help you keep in mind all you need to know about car insurance as a new driver. Consider Your Car Insurance Coverage If you are driving a car that is registered in your name, you likely need car insurance. It is the law in most states. However, there are several different types of coverage. Understanding all of the coverage types is the first step in determining the…

High-Tech Car Options: Splurge or Save

If it’s been a few years since you last shopped for a new car, brace yourself. Some of today’s vehicles have high-tech options that are straight out of the Jetsons. Cars aren’t flying yet, but some can drive and park themselves. And dashboards that used to house a radio and a few knobs now have digital touch screens the size of your first TV.   Like just about everything in the world of cars, some new features are must-haves and others are may-as-well-avoids. Remote Start At roughly $250-$400 dealer price, this is largely a personal call. If cold winter nights…

How to Deal With an Uninsured Motorist After an Accident

You’re driving to the grocery store and stopped at a red light. Just as the light turns green, you put your foot on the gas pedal and — WHAM! — you get rear-ended by another automobile. You’re startled, but not obviously injured. Time to quickly survey the scene. Groceries will have to wait. Uh-oh. The other driver doesn’t seem to be carrying auto insurance. Things just got more complicated. What do you do now? Here are a few key tips to help you deal with an accident where the other driver is uninsured. Call the Police Most states require a…

10 Keys to Saving Money on Vehicle Maintenance

The average age of a vehicle on America’s roadways today is approaching 12 years. Twenty years ago that number was 8.4; 40 years ago it was only 5.5 years. Whether it is a testament to improved manufacturing, higher car prices, or maybe Americans have figured out that life is pretty good without a monthly car payment, one thing is clear: Vehicles are lasting longer and proper maintenance can push life expectancy to unprecedented levels. But we can’t forget all that care and feeding can still present some sticker shock. Here are 10 tips for keeping your ride and your wallet…

3 Steps to Handling a Fender Bender

What do you after getting into a fender bender? Assuming nobody is seriously hurt and you don’t have to call immediately for help, you have some work ahead of you—dealing with the other motorist, informing the authorities and working with your insurance company. Document the Crash While you’re still at the scene, safety is top priority. If possible, motion for the other driver to pull over, so both of you are out of harm’s way. If your vehicle is not drivable, it might be best to stay in it until help arrives. In that case, call 911 for police help.…

How to Curb the Growing Dangers of Distracted Driving

If you’ve purchased a new car anytime in the past few years, you’re driving what amounts to a powerful motorized computer that can reach highway speeds in seconds. Beyond the many mechanical and electrical functions your car’s computer systems control or monitor, are many helpful features and enticing distractions on that glowing computer screen that sits front and center in your dashboard. Dangerous Liaisons You can select among hundreds of radio and satellite stations, browse for your favorite music on your iPod, change the temperature in the car, heat or reposition the steering wheel and the seats, adjust your mirrors,…

If Cars Drive Themselves, What Does That Mean for Car Insurance?

Imagine it’s 2025. You’re phoning through the morning headlines while your autonomous vehicle navigates your 10-mile commute. Another self-driving vehicle owner is Snapchatting away in an oncoming lane, oblivious as you are. Wham. The two cars collide on an icy intersection. Who’s at fault? Most industry analysts say it’s the vehicle manufacturer, or possibly one of the technology companies that developed the various automated driving or safety features built into the car. In fact, in 2015, Google, Mercedes-Benz and Volvo all agreed to accept liability for accidents that occur when one of their vehicles is in autonomous mode. Taking Control…

Want Lower Car Insurance Premiums? Choose Your Car Carefully

Trying to crack the code on everything auto insurance companies look at when deciding what your premium will be is a little like trying beat search engine algorithms. Something you won’t be able to conquer over a weekend, that’s for sure. The good news, however, if you don’t need to consult a secret playbook to get a good rate. There are some things you can watch out for while shopping for a car that can help keep those premiums manageable. Here are the most important: Safety Safety ratings aren’t necessarily top-of-mind while car shopping, so you have to make sure…

Extreme Home (and Car!) Makeover

Budgets being what they are, renovating your home or getting a new car may not be in the cards. And while it’s not the same as brand new, here are 10 tips to renew your love for your home and car  – without putting a major dent in your bank account. Home Lighten Up No need to install an expensive lighting system to completely change the look of your home. A few strategically-placed lamps can add dimension to any room. Even changing bulbs to more energy-efficient LEDs available in “warm white,” “soft white” and “bright white” can completely transform your…

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