First time car owners (and sometimes even seasoned ones) are often bewildered and overwhelmed by the many different types of car insurance available. In this article, we explain in laymen terms the difference between the main types of car insurance. Hopefully this will help you decide which type of insurance is suitable for your particular needs. Continue Reading →
Wheelchair users are often at the receiving end of a world designed for able bodied people. Even seemingly routine tasks like shopping, a health check or a short commute to the workplace can be quite onerous and require them to seek help from others.
For wheelchair users who want greater independence and desire their own vehicle to get around, they are faced with the daunting task of finding and customizing a vehicle to make it suitable for their particular needs. This typically involves a huge cost in terms of money, time and effort. The price of the modified vehicle may come up to $80,000. The large financial outlay often puts these vehicles beyond the reach of wheelchair users. Needless to say, eco-friendly vehicles were but an even more distant dream.
Canada is a vast country filled with panoramic sights and rustic grandeur to delight any road trip enthusiast. But before packing your trunk and setting off, you need a car that will prove equal to the task as you cruise on the highways and off the road. Here are some suggestions on how you can get the perfect car for your Canadian road trip without busting your budget. Continue Reading →
I’ve been a car enthusiast since my early teens when I purchased my fist car. Although I enjoyed owning a car, participating in nightly cruises, attending car shows and discussing the latest news and trends with fiends, I never belong to a formal car organization. Several years ago that finally changed and I joined a local car club. Our club was like many others, we had our monthly meetings, hosted car shows, cruise nights and car rallies. However, the one thing that drew me to this particular club was the club’s tradition to engage a guest speaker for each monthly meeting.
At one of our meeting earlier this year the subject for that night’s presentation was on green driving, a subject that was of special interest to me. I was very excited to hear the presentation since I have a career as a real estate investor, which requires me to spend many hours and miles behind the wheel as I travel the country to attend county held tax sales. Hoping to learn some new tips, techniques or options which would benefit not only the environment but my wallet as well, I made sure I was in attendance for that months meeting.
Our speaker, Tom did an excellent job with his presentation; he was well informed, professional and well prepared. Everyone in our club was so pleased with the information we received, that we asked him to return so we could cover the subject in more detail. The first segment of his presentation covered some of the basic tips for green driving such as; proper tire inflation, efficient driving habits and other common techniques that I was already familiar with. However, the second part of Tom’s talk was what kept me on the edge of my seat; green vehicles to replace today’s gas guzzler.
Tom discussed three different types of green vehicles available today. He explained how each type of vehicle functioned, the pros and cons of each and the benefits received from owning a specific type of vehicle. The three types that Tom covered were:
Tom’s discussion on green vehicles provided me with the information I was looking for; over the next several weeks I digested the information, did a little further research and purchased a Plug-in Hybrid Electric car.
Shortly after my new purchase I decided to give the car a test and traveled to one of our investment properties in Tybee Island, Georgia. The car performed better than I expect as I over doubled my miles per gallon and reduce my fuel bills by 60%. During my stay on Tybee, I was pleased to see the island was becoming more energy conscious; some of the properties on the island began installing charging stations in the garages for electric vehicles.
Regardless of whether you’re a car enthusiast or not, joining the right car club can prove to be beneficial. Not only will you make new friends and enjoy the many fun events, you may learn something new that can save you some cash.
Buying a car is a big investment for most people. The purchase of a new car can equal as much as half to three quarters of a family’s annual income. Needless to say, most Americans spend a great deal of time researching the best car options as well as the best deals and rates.
Since modern car rates are so expensive, most individuals are forced to finance their vehicle purchases. In other words, they have to get a loan to purchase a car because they can’t and will not be able to save enough money to pay for one outright. It is for this reason that every car manufacturer in the country and almost every dealership offers some type of financing options.
At first you might ask why would a dealership get involved in loaning money to individuals. It’s pretty simple really. If more people can afford cars, more people will buy. By offering special financing options, car dealerships can turn their inventory even faster ( http://www.myaccountingcourse.com/financial-ratios/inventory-turnover-ratio ). Plus, car dealers are able to make money from either servicing these loans themselves or selling the debt to a bank.
Since there are so many different kinds of car loans and rates out there, it’s important to know the difference between them and how to calculate the loans. ( http://www.bankrate.com/calculators/auto/car-finance-payment-calculator.aspx ).
The main two types of auto financing options are fixed financing and variable financing. Fixed finance loans usually have a set interest rate that is steady and unchanged throughout the course of the loan. The initial interest rate is usually slightly higher than the market rate, but depending on the economic climate the interest rate could be lower than the market rate by the end of the loan. Also, fixed rate loans usually require some type of introductory interest fee to be paid up front.
Variable rate loans, on the other hand, have an interest rate that changes daily with the market rate of interest ( http://en.wikipedia.org/wiki/Interest_rate ). This could be very beneficial if the market is down and interest rates continue to stay low during your loan. But if rates rise, so will your monthly car payments.
It’s important to look at your overall financial picture before deciding what car you want to buy. Unfortunately, most people go car shopping in reverse. They pick a car and then try to figure out how to afford it. The problem with this approach is that you are more likely to end up with something you can’t afford and will have to get rid of in the future.
Don’t let car salesmen trick you into something that you won’t be able to keep. Sit down, go over your finances, and look at all the personal financial ratios ( http://www.myaccountingcourse.com/financial-ratios/ ) that can help you create a monthly budget. After you have a budget set up, do some research and find out what type of loan is more beneficial – a fixed loan or variable loan.
After you have all that done go out and start test-driving some cars that you can afford. Once you find a car in your price range that you can afford, make and offer! Don’t be afraid to lowball the dealership. Remember, you have the power because you know what your budget is. If the dealership won’t play ball, go to the next one.
Hope this helps with your next car purchase. Good Luck!
As winter starts to hit hard, it’s time for us to start thinking about making preparations to ensure that we stay warm and safe throughout the winter months, and of course our safety on the roads and in our cars should be of paramount concern. With that in mind here are a few tips and tricks to help you get through the winter months safely -
Pack a supplies kit – If you’re driving anywhere and expecting bad weather then you should ensure that as a bare minimum you have a snow shovel, some warm clothes and some food and drink with you in the car. Personally, I pack a survival pack at the start of year that compromises all of the items above alongside a torch and a survival knife (some people have told me the survival knife is going a bit far, but you never know and I’m a total survival kinfe geek!) that way even if you get caught up in a surprise snow storm you’re totally prepared. It only takes an hour or so to prepare my pack each year and I never have a problem fitting other stuff around it in my boot.
Consider snow tyres – Whilst fitting snow tyres in the past was very expensive, nowadays a number of companies provide a service whereby they remove your normal tyres and store them for you, then fit you with a new set of winter tyres. Whilst there is a cost associated with this service it’s well worth considering if you expect to see serious snowfall this winter.
Make sure your car is ready for winter – If you don’t want to fit snow tyres there are still plenty of things you can do to ensure your car is safe for winter. These include making sure your existing tyres are well inflated and have sufficient tread, making sure that your car has enough oil, coolant etc. (the last thing you want to do is to break down in bad weather conditions). Also make sure your windscreen washer reservoirs are full and have sufficient freeze resistant washer fluid in them to ensure you’re always able to get a clear and safe view out your front and rear windscreens.
Brush up on your cold weather driving skills dos and don’ts – Most people know that it’s the right thing to do turn into a skid, but there are lots of other driving best practices that you can employ in the cold weather. A simple Google search will yield a great deal of useful information that should help in keeping you and your motor vehicle safe during the winter months. If you really feel that you’re cold weather driving skills could do with a brush up then see if there are any cold weather driving courses or lessons available in your area.
Remember, you don’t always have to travel – Some times the safest way to drive in the cold weather is not to drive at all. Always ask yourself before setting out in cold weather if you really need to make the journey, and if cold weather is forecast in your area think if you could make trips to buy supplies for your self and others before the cold weather hits.
Demerit Point Brackets
- The driver’s demerit point bracket;
- The number of demerit points on the driver’s record; and
- The length of the most recent penalty on record within the past 2 years.
Ontario Residents in Quebec
- Failure to stop at a red light or stop sign: 3 demerit points
- Failure to wear seatbelt: 3 points in Quebec, 2 points in Ontario
- Failure to stop for a school bus: 9 points in Quebec, 6 points in Ontario
- Failure of driver involved in accident to do his or her duty: 9 points in Quebec, 7 points in Ontario
As a die cast car collector, you want to have the coolest collection possible. One of the best brands in die cast car history is Matchbox. Matchbox has become such a well known name brand that even some fashion designers are naming their collections “Matchbox”. And if you want to know what most kids have deemed as the most coveted Matchbox cars ever and add them to your display, then take a look at these:
#12 1971 Ford Pickup – To start the countdown of our 12 must have Matchbox vehicles is the 1971 Ford Pickup. For some reason, the cars collectors love the best are as simple as this one. For that reason, the brand has made a lineup of Ford pickups to keep people interested.
#11 1968 Mercedes Benz Ambulance – A lot of times, kids like to play make believe with their die cast collection. And as it turns out, this model has been one of their favorite vehicles when they imagine a huge car crash with, I hope, just a few casualties.
#10 1964 Ford Model T 1911 – Seems to me that kids are fond of Ford vehicles, even when it comes to cars before their time. Back in 1964, the company decided to make a lineup of old cars, calling them “The Models of Yesterday.” The 1911 model is a small replica of a classic town car.
#9 1961 Muir Hill Dumper – Junior die cast enthusiasts are also fond of construction vehicles, such as the Muir Hill dump truck, which has a dumper that actually works. Like as said, kids are more about playing with them than with preserving and displaying a collection.
#8 1963 Ford Fairlane Police Car – Yet another vehicle that just sparks imagination in kids is the Fairlane police care. Just like the ambulance, this car looks pretty old school, which is cool. What’s more is that it’s actually worth $500 to $1000, depending on whether or not it’s in tip top shape.
#7 1957 London Bus – Of course, a kid’s imagination can run from their home town all the way to another continent. And so it is no surprise that they would consider a London bus as one of their favorites. The vehicle even has the usual ad on th sides. But, in this case, the ad is for Matchbox.
#6 1966 Dodge Twin Tipper – Every die cast collector has to have at least one truck in their assemblage. Kids think so too. And one of trucks they love the most is the Dodge Twin Tipper, which is one of the kind size models the company had manufactured in the 60s.
#5 1961 Caterpillar Tractor – The thing that sets apart this tractor from the rest of the cars on our list is that this comes a driver. A lot of earlier Matchbox vehicles had this cool feature, making these models even more desirable and somewhat valuable.
#4 1982 Superfast Dodge Challenger – This model is pretty significant because it is part of the Superfast collection, a lineup manufactured to take on the first Mattel die casts. Hot Wheels, which were designed to look ultra-sleek and ultra-fast, really gave Matchbox cars a run for their money.
#3 Ford Model A Van – One other model die cast fans must have is a Ford Model A Van, simply because it is one of the most popular Matchbox vehicles ever, as they were used by a number of companies, from Kellogg’s to Vegemite.
#2 1976 Shovel Nose Tractor – The second best Matchbox cars, according to kids, is a model of a shovel nose tractor. Matchbox releases 75 new designs a year to keep collectors wanting more. But one vehicle that never goes away is this particular model.
#1 1958 Vauxhall Victor – And for the most coveted Matchbox car on our list? The 1958 Vauxhall Victor – a die cast originally painted red during its first production (so you can imagine how few of them are actually in existence) and has been sold for a record $10,000.
It is said that the only permanent thing in this world is change. Because of this, unexpected events might happen, even though we don’t really want to experience them. The first line of defense is protection and prevention. This idea can also be applied when protecting your primary assets aside from your life and health – your home and car.
Home and car insurances are two of the most common types of insurance that people will basically need at certain point in their lives. In order to expect some savings, and at the same time relieve yourself from inconvenience, you have the option to combine your auto and home insurance policies.
The Benefit of Combining Your Car and Home Insurance
According to the reliable experts at www.belairdirect.com, combining your car and home insurance in a single insurance can reduce your premium significantly. Also, according to the same experts, savings can even reach up to 15% on both insurance premiums. In order to compete for your business, these providers offer discounts to those who purchase both insurances from them.
At the same time, combining both car and home insurance also reduces your premium coverage payments. This covers insurance for your homes against fire, theft, and other reasons, as well as your home structure against wind, fire and other types of damaged which are covered under the policy terms.
For your vehicle, you can also expect protection in the event of unlikely accidents, such as collision, vandalism and theft. Many companies offer combined car and assurance habitation for their customers, offering them convenience beyond compare. If you think that you still need to learn more about how this process works, you may browse and compare the services offered through the companies’ websites.
How to Choose a Provider
As with any other types of insurance and transactions, it is very important for you to educate yourself first. Find out for yourself how your chosen company fares in terms of how you can process the claims, and how effective and strong they are financially as a company. Make sure to read thoroughly the insurance policy offered to you so that you have the idea exactly what the coverage includes, and the amount that the provider is willing to pay for a certain claim. It is very important to be reminded that having the exact amount of coverage may outweigh the total cost of coverage inadequacy.
Indeed, anyone who has a home and car needs to be protected accordingly by having an insurance policy. This does not only provide protection on the part of the home and the car, but it also gives the owner the peace of mind needed in order to go on with life without any distractions, which may be brought about by overly thinking of the consequences that may happen should any accident occur at home. Keeping this in mind is the first line of defense and protection. To learn more about how you can benefit from having home and car insurance, cliquez ici.
Modern cars come with most things you will need, such as a spare wheel and, a car-jack. Some of the more high-end cars even have built in communication systems so you can call emergency service right from your car. But there are some things that your car might not have that we recommend you keep in your car. We all hope it never happens, but you need to be prepared for when you car breaks down in the middle of nowhere or if you are in a car accident.
1. First aid kit
Some cars have a first aid kit as part of the standard items that comes with the car, but if your car does not have a basic first aid kit we recommend you keep one in your trunk. In case of an emergency a first aid kit could be the difference between life and death for someone.
2. Flash light
If your car was to break dow
n at night, a bright flashlight will be your most essential tool. Not only would you need it to investigate a problem, but it would also be a safety device you can use to protect yourself. For that reason we recommend you consider a good tactical flashlight that is nice and small to fit in your glove-box, but still produces an extremely bright light. Tactical flashlights typically have better batteries than normal flashlights, which will be a blessing when you need a flashlight that needs to last longer than a normal flashlight would.
3. Folding knife
A good folding knife is always useful. You never know when you will need to cut a piece of wire or rope in order to fix your car. A good idea is to have a multi-tool folding knife that will have several tool options available, which you can use to tighten a screw, pry open a lid or cut bandages with. Be careful not to buy cheap imitation knives though. Rather invest in a quality folding knife that you know you can rely on.
4. Pen and paper
Hopefully this will never be needed, but if you are in a car accident you will need to take all the details down. The other person’s name, telephone number, car registration and insurance details will need to be recorded. With smartphones now commonly available with apps specific for recording car accident details you can record everything digitally. However, if your phone’s battery runs out that pen and paper will come in handy!
Humans can last days without food…but we cannot survive without water. If you are going on a long distance road trip, make sure you have plenty of water in the car. The last thing you need to happen to you is for you to get stranded in the middle of nowhere without any water to drink. Additionally, if your car overheats you will need water to cook the engine down to avoid the engine block from seizing up.
We all hope that our car won’t break down in the middle of nowhere or that we will not be involved in an accident. However, we need to be prepared if it does happen. We hope the list above helps you think about what you need to have in your car to be better prepared for situations that you might find yourself in.
Still remember one of Gilles Villeneuve’s famous statements on automotives? If not, l will remind you. He said if someone asked him his three wishes, his first would be to get into racing, his second, to be in Formula 1 and his third, to drive for Ferrari. Have you ever expressed yourself likeminded? If so, the following news will stun you. If not, l am sure it will strike your imagination.
The amazing Bugatti Veyron really is, one of the world’s magnificent production road cars. It can dominate any track with its unparalleled top speed. The original Bugatti Veyron claimed to have 1,001 HP, which can be considered as one of the major technical achievements. It boasts a 16 cylinder engine, which is specially formed by combining two powerful V8 engines.
As if that is all, it can reach up to a speed of around 252 mph, a pace that it could maintain for approximately twelve minutes until all its fuel is smoked out. More so, the car can hit about 60 mph within 2.6 seconds and about 150 mph within a short span of 9.9 seconds. This is undoubtedly a good contender for great gifts for men.
I want to believe most men love high performance, testosterone-fuelled sports and luxury cars. They provide a sense of freedom and adventure. This satisfaction enhances the men’s desire to take great care of them as evidenced by the following testimonial;
‘I like to listen to my car. You can hear when the turbo clicks in, that vacuum cleaner effect. You can just feel the giddy up effect. The sensation of power is brilliant. You can feel it through the steering wheel and the back of the seat’.
The performance of automotives is determined by the manner in which you care for it. It takes 8,400 bolts to assemble an automotives and one nut to scatter it all over the road. As such, routine reliability centred maintenance and service is the key to its capacity utilisation and optimum performance.
You want to keep your wheels on the road every time? You want to enjoy the luxury without any disturbances? If so, take hid of the following tips.
Do not allow your new car to idle for long periods. The oil pressure generated by doing so may not be sending oil to every part of your engine. Ensuring that will enhance the life of your car.
Driving safely is of paramount importance. This will keep your car in good condition for relatively long intervals without maintenance requirements. Ensure that gas you use for your car comes from reliable service stations. Gap should be filtered at the pump. Remember, the way you treat your car determines its life cycle.
With Christmas just around the corner, I’m sure you’ve thought in great detail or are still in the process of thinking about the best gifts to buy. The Bugatti Veyron may be costly. The latest models may be expensive. Cars in general may not be affordable. Well do not lose heart. For all the women out there, why not visit the website and discover new and fascinating gifts you can buy for your men? At the wink of an eye, a new innovation comes into the market, you are spoilt for choice. Automotives is the way to go for those thinking about gifts for men.
For those who are sporty and want to take on adventures, this might be the article you are looking for. There are a lot of bikers out there who just love to get on their bike and drive in the mountains, or any place where they can practice their skills. Although this is true, that one such problem for this would be the location of the place you will actually drive. That is why bike racks for cars
have been invented – it allows you to bring your bike wherever and whenever, so you can never run out of places to ride.
Things to consider before getting bike racks for cars
First off, you should know that there are three basic types of bike racks which are: trunk mounted, roof mounted, and trailer hitch mounted. These basic types have to be considered depending on the kind of bike that you have. Also, you have to consider a few things before really owning one, and here are those things:
• The bikes you have – yes, you may have one bike for now, but in the future, do you think you will probably have one or even two more bikes? Usual bike racks for cars start with the ability to carry four bikes, but if the family has more than that then you have to decide exactly what kind of bike rack you should purchase. Since they all come in different designs and sizes, better bring along your family to help you choose the bike rack perfect for the car.
• Where the bike racks will stay – if you love your bikes, you probably love your car even more. So it is with no question that you have to consider how to position your bike racks in your car so that it will not damage your beautiful transport. As mentioned, there are three types of bike racks – one that can be an attachment to the trunk or rear door, riding on a hitch in the trailer and ones that can be put on the roof. If you just want to get the bike out of your way the best position is to place it in the roof. But if you are looking for bike racks for cars that are easily maneuvered or used then using the rear mounted or trunk mounted bike rack is the answer. Lastly, the trailer hitch option can be for those who plan to transport their bikes in four numbers or more.
So, for those who plan on getting bike racks for their cars should always make sure they research for the quality of the product by ensuring that the company making it is known for their durability and longevity – you don’t want to go paying for something that you have to buy again after six months or more. Know the brands quality and check out reviews to learn more of what you will be buying. If you are done with all those, then the next thing that you have to do is just get those bikes on those racks and travel them in your car, go to the best places and bike like you have never biked before.
Being involved in a vehicle accident, can be a very traumatic experience. It is a stressfull time, but it is also a time where the persons involved must stay calm, and keep a few things in mind to lessen the trauma caused by the accident.
You can dramatically decrease the stress involved with being in an accident, by being prepared for when it happens.
As part of your regular roadworthy check, make sure that you have traffic cones, flares, a disposable camera and a pen and notepad in your vehicle. Read on to find out how these items will come in handy after an accident.
Assess any injuries
The very first thing you must do after having been in an accident, is to assess any injuries that might have been caused by the crash. You must always first take stock of yourself. Keep in mind that during and after an accident, you will be in the midst of an adrenaline rush. Lots of accident survivors suffer serious injury, but do not realize this because of the adrenaline rush.
Just because you don’t feel pain right away, certainly doesn’t mean that you are not injured. Inspect your whole body by prodding body parts with a finger, and then make sure that you can move all of your body parts (fingers, toes, etc).
After you have assessed your own health, do the same for any passengers in your vehicle. If you have no passengers, or your passengers seem to be in good shape, move on to the people in the other car involved. If any person involved in the accident seems to be seriously injured, do not move this person. Unless there is grave immediate danger, you should only make the victims more comfortable. A drink of water, or a rolled up jacket under their head can make a world of difference.
If there are any serious injuries call 911 and make sure to note the exact address so the operator can dispatch an ambulance timeously.
Secure the accident site
If this was a minor accident, move the vehicles off the road to ensure normal traffic flows without any issues. If there are injuries, or if the accident was of a more serious nature, it is better to leave the accident site as it happened.
In the case of a serious accident, secure the site by turning on hazard lights on all vehicles involved and placing orange traffic cones in such a manner as to alert other traffic to potential danger. Make sure that the cones are highly visible to other traffic, and that there is enough distance for any traffic to slow down or come to a stop without posing any danger to the accident victims. It is always a good idea to keep a flare in the trunk of your vehicle. This will come in handy when securing an accident scene at night time.
Assess damage to vehicles
Once you have ensured that all victims are safe and secure, and that oncoming traffic will not cause any further accidents, you can now assess the damage to the vehicles involved. A great way to do this is to have a disposable camera in your glove compartment. With one of these disposable cameras you can take pictures of the accident scene, and the accident caused to the vehicles involved in the accident.
Call your insurer
This is the time when you make the call to your insurer to inform them that you have been involved in an accident. With the notes that you have taken, you will be able to relay all the details of the accident. Make sure to mention to the insurance agent that you also have some pictures of the accident site.
Keep these things in mind and next time you are involved in an accident, you will be better prepared to deal with this traumatic event.
Buying a new car is a very exciting time in anyone’s life. You’ve been saving up money and getting your affairs in order so that you can finally get your new set of wheels that will define you on the road for many years to come. If you don’t do it right, buying a car can be a tricky process filled with shady salesmen and car dealers. However, with the right tools in place you can ensure that buying your new car will be a delightful and fun experience. Follow these tips to ensure that you don’t get scammed and that you are perfectly satisfied with your new car!
Test out the car personally before buying. In the day and age that we live in, looking at cars online and making up your mind on a car before you try it out is becoming ever more prevalent in our society. Take the time after you find the car listing that you want to drive down to the dealership and test drive it yourself. You’ll be amazing at how many ticky tack small things will bug you after driving it the first time. Since this will be your set of wheels for time to come, make sure there aren’t anything, big or small, that gets under your skin with the car. For example, if you don’t like how the gas pedal doesn’t accelerate enough until you push it in far, or the windows are a manual roll down, or the the AC options or minimal and don’t give the passenger control as well. These seem like small problems until you’ve bought the car and can’t change it.
Check the car fax. We’ve all seen the commercial telling us to check the car fax before we buy a car. Well, this is actually really good advice! The Car Fax will give you the information you need to determine if the car has ever been in any accidents and if it’s at risk to be in any more accidents because of it. The Car Fax will also give you service records to help you determine how well the previous owners took care of your car. Look at the overall rating of the car fax and compare it to the standard ratings for your car type. This will help you determine the norm for your car.
Pull up Kelly Bluebook! Kelly blue book is a car website dedicated to giving car buyers an accurate depiction of what their car is worth. Put in the details of the car including the make, model, mileage, features, cosmetic wear, etc to determine the value of your car. This can be extremely useful when at the dealership because the dealer won’t be able to trick you into believing a car is worth more than it is. Also you can talk down the price right with the salesman based off of what blue book says it is worth. This will ensure that you aren’t getting scammed by the dealer and are paying a fair price for the car you’re buying.
For more information on car sales, check out Auto123 car sales