Cheap Car Insurance: Why Serious Motorist is Choosing it

Nowadays, almost every car-owner is utilizing cheap car insurance so that any bad happening with their car can not result in big financial implications. And this is necessary also as anything can happen with your car. Somebody may attempt to steal your car or it can be stolen sometimes. It also can become victim of road accident, fire or sometimes vandalism.

Due to these factors people are utilizing one among the three types of cheap car insurance or sometimes they are opting for one car insurance plan for one car and other plan for the second car. I hope that you know the different types of car insurance but if you don’t know then let me brief about them first. First kind of car insurance is the third party only or TPO which covers your liability to third parties i.e. claims made by third parties, against you.

The second type of cheap car insurance is the third party fire & theft or TPF&T which covers you if some other person claims against you for injury or damage to his/her car or its driver. If your car is damaged by fire then also it helps. Whereas, the third type is comprehensive which covers accidental damage caused to your car and damage or injury you cause to some other vehicle or its driver in an accident.

Now, people are utilizing one or two of these cheap car insurance plans and auto-insurance companies are coming up with various new beneficial features with these plans. Now, you can get coverage for personal effects damaged in a car accident such as clothing and luggage, up to a specified amount. Sometimes, you also can get payment for travel expenses up to a specified amount when your car is damaged or stolen.

Some cheap car insurance companies are also taking care of your stereo equipment in your car as the equipment damaged in a crash may be covered up to a specified amount. Sometimes, the deductible for collision coverage is waived when the accident involves two cars insured by the same auto-insurance company. And these hidden benefits are alluring so many serious drivers to opt for car insurance.

Car Maintenence

Give your car a bit of love, and it will reward you in the long run. A car that is kept well maintained will last a lot longer, and cost you a lot less in repairs over the years. If you do a couple of little things to your car each month, you should be able to avoid expensive trips to the mechanic and reduce your chances of having an accident, keeping Car Insurance premiums low.

1)      Get the brake fluid checked out on a regular basis. If you have a leak here, it could cause massive damage to the car, and the hazard of a potentially fatal accident.

2)      Check the engine oil. Without this, you cars engine will seize up. All you have to do is pull the dipstick out of the engine, wipe it clean, dip it back in and pull out to see where the oil comes up to. Your handbook will tell you the range that is safe, and if its running a bit low, get it topped up quickly.

3)      Check the tyre pressure. Your handbook will tell you the correct pressure for your tyres, and by keeping them accurate you will make them last longer, and protect the car.

4)      Check the coolant. If there is adequate liquid here, your car will run smoothly and efficiently. Add a drop of anti freeze and you will save it from freezing in the winter, and overheating in the summer.

By making sure that you do these little tips every month, you should find that your car will run smoothly and give you less hassle!

Buying Parts from a Salvage Yard in Utah

There are many places in Utah that you can go and but used parts. The only thing with some of these places is that their parts can be extremely expensive or if your vehicle is a classic they may not have parts for it. This is where a salvage yard comes in. At salvage yards the parts that you get are affordable and they have parts for all types of vehicle no matter how long ago it was made. The same manufacturers that you would buy the parts from also get their parts at salvage yards and then sell them at a higher price. The best way that you can buy these parts are through the internet. With the internet you can do a parts request form that allows you to fill out the information and submit it to the various salvage yards.
They will check their inventory and get back to you with their prices and so forth. This allows you to compare prices without leaving your home. When you decide who you want to buy it from you can also have the part delivered. Some places have free delivery, so if it’s apart that you will need to be delivered this should also be considered. There are so many sites that sell used auto parts that it’s very easy to find what you want. There is also the advanced search engines that are on these sites. You can look for that part depending on what is more important. Whether it’s one that is close to you or the part that you want. Whichever the one that you choose, they both have where you can make the search more refined and detailed.

Car Insurance: Petrol Prices not Having an Effect on Drivers

Petrol is now at a record high, with unleaded and Diesel prices breaking the 100 pence barrier recently. As you can imagine this has caused a lot of grumbling from motor vehicle owners. But this grumbling seems to not have persuaded drivers to ditch the car and get the bus instead.

Many believe the rise in fuel tax has been an unnecessary penalty on car drivers. Tax at the end of 2007 was as high as 56.94 pence per litre for conventional Diesel with Unleaded at 53.65, however prices have since risen above one pound per litre and it doesn’t look like dropping too soon.

A study by insurers eSure, has revealed that in order for car owners to ditch their cars in favour of public transport, prices would have to be double what they are presently. The whole situation has arisen from government commitments to becoming more eco-friendly which has seen an increase in tax on cars.

The problem it has to overcome is that 37% of motorists would not change their car for a more fuel efficient model in the next three years. The car insurance firm also found that as many as a third of drivers do not pay attention to where fuel is cheapest in their area and don’t have any intention of travelling further a field to get it.

There are other contributing factors towards petrol prices rising, conflict in the Middle East which is a major source of crude oil has seen the price on crude alone shoot up. The weakness of the dollar (the currency which oil is traded in) has also had an effect too.

car insurance experts are saying that in order to help minimize the money spent on fuel you should drive safely and not excessively. Cutting out any unnecessary hard braking or accelerating can also help let that fuel last a bit longer.