Car Insurance for Your Ford Galaxy: Will a Higher Deductible Policy Work for You?

The law here in the UK mandates that everyone who drives a car must be insured by at least the minimum amount of liability coverage. Liability coverage covers any damage that you may do to another driver, his passengers, or his vehicle in the event you are the cause of a motor vehicle accident. However, liability coverage does not cover any damage to your own vehicle. You may also elect to cover your car with comprehensive coverage. Comprehensive coverage is what covers damage to your own vehicle in the event of an accident or theft. As you look for car insurance for your Ford Galaxy, you may want to consider the effect that your deductible has on your premiums.

A car insurance premium is the amount you pay for insurance coverage. Premiums can be higher or lower depending on the level of coverage you select, your driving history, the car you own, whether or not you have any extras included in your plan, and the deductible you have included in your coverage.

A deductible is your “share” of what has to be paid in the event of an accident or other damage to your vehicle and in case of theft. If your Ford Galaxy has to be repaired or replaced, you must pay the deductible and your insurance company will pay the rest. But you may not be aware that you can change the deductible on your policy. Changing the deductible will affect the premium you pay.

Let’s say that you have a car insurance plan that indicates that you have a deductible of £500.00. Each and every time you make a claim against your insurance policy for damage to or theft of your vehicle, you must pay £500.00. If your car is damaged and the repair bill is £1,500.00, you must pay £500.00, and your insurance company will pay £1,000.00. If your vehicle is damages and the repairs cost £501.00, you must pay £500.00, and your insurance company will pay £1.00. If your car is damaged and the repair bill is £450.00, you must pay the full amount because it is less than the amount of your deductible.

By raising the amount of your deductible, you may receive a lower rate on your car insurance premiums. For instance, if you now have a £500.00 deductible, changing your policy so that your deductible is £1,000.00 would mean that your premium, or the amount you pay for your insurance, would be lower. But it is important to understand that higher premiums come with both benefits and drawbacks.

The immediate benefit to a higher deductible is obviously a lower premium. But the higher deductible itself can put you in a financial bind if you are ever involved in an accident or your vehicle is stolen. If you need to make a damage or theft claim against your insurance company, you will be required to pay the £1,000.00 deductible. And if you don’t have your £1,000.00 share of the cost of replacement or repairs, you may not be able to complete the repairs or replacement of your vehicle.

For this reason, it is very important that you consider the repercussions of a higher deductible insurance plan. If a higher deductible may not be reasonable for your budget, you may want to look into other ways to get cheaper car insurance for your Ford Galaxy. Some other discounts you may qualify for include limited mileage discounts, a discount for no claims, a good driver discount, a Pass Plus course discount, an age-based discount such as an over-50 insurance plan, a security discount for parking in a garage, and more.

If your car insurance company is not willing to work with you as far as providing discounts, you can look into eliminating extras from your policy. Many drivers do not really need a roadside assistance or breakdown benefit, nor do most drivers really need a courtesy or rental car option. Removing discounts like these from your car insurance plan can earn you a bit off your overall premium. Compare insurance companies and plans to select the insurance plan that gives you the best coverage for the lowest price.

Posted in Articles | Tagged , , | Leave a comment

The Advantages of Diesel

Diesel engines, like gasolene engines, are both internal combustion engines. Fuel is mixed with air when it goes into the engine and that mixture is compressed internally, within the engine’s cylinders. After a while, the fuel ignites, driving the piston down and turning the shaft, that is connected to the vehicle’s transmission and turns the wheels. The piston then moves up within the cylinder, which pushes the gases out of the engine and out the pipe as exhaust. Then the cycle repeats, many times per second.

If the engine has additional cylinders, it tends to run better and therefore build additional power since the combustion events happen terribly close in time. However, the greater the number of cylinders an engine has, the more advanced and inefficient the engine becomes. Depending how the cylinders are organized conjointly incorporates a bearing on performance, vibration and different factors. That’s true for gas and diesel engines.

Where diesel and gas engines differ however is the fuel enkindled within the engine. In a gasoline engine, the air and fuel is compressed and at a certain point within the order of the cycle, a plug ignites the gas. However in a diesel motor, there are not any spark plugs. Once diesel oil and air are squeezed enough, the acute compression generates enough heat that the mixture then combusts. This is often called “compression ignition,” and it’s the premise of how a diesel motor works. Once an internal-combustion engine has combustion ignition, we usually name it “knock” and it will ruin the engine. However diesel engines are engineered to make the most of it.

Because diesel motors use compression ignition, which may quickly ruin a gasoline engine, they have to be created terribly robust. And since they are available from a workhorse heritage, they have an inclination to be extremely reliable and want a minimum of care. Each one accustomed means plenty of additional weight, however with trendy producing ways, the load penalty for a diesel motor has been greatly reduced and therefore the engine’s weight is currently usually on par with gas engines.

Also, a diesel motor is much more straightforward than a gasoline engine since it’s got no spark plugs and therefore the associated electrical system required for them. So now, cars and SUVs will run on diesel and have performance more similar to a gasoline engine, however with the fuel consumption rate and responsibility of a diesel motor. In general, a diesel motor can outlive a gasoline engine in terms of what number of miles or hours it will run before it desires major service, thus repair bills are smaller and usually a lot longer apart for a diesel motor.

Posted in Articles | Leave a comment

Are Your Quotes for Car Insurance for Your Vauxhall Astra Too Expensive? Try These Ideas

Many people do try comparison-shopping when looking for car insurance and benefits. Car insurance is so expensive, though, that the 10% or 15% that you may save this way isn’t likely to be enough. Buying car insurance for your Vauxhall Astra, doing comparison-shopping, for instance, may save you only £30 or so. You’ll need more ways to save. Here are a few tips.

Use a job title tool

Many personal finance websites feature something called a car insurance job title tool. These tools help you get a lower rate by taking advantage of a peculiarity seen in the way insurance companies calculate their risk.

Insurance companies carry detailed statistics about the number of claims they get from people in different professions. Their records may tell them that while they get 500 claims each year from journalists, they only get 450 from artists. Right away, they may decide to offer artists a slightly cheaper rate than journalists.

Insurance companies take their effort categorizing professions based on risk even further. They rank different kinds of journalists and different kinds of artists on the frequency of their insurance claims, too. Since they get more claims from reporters than from journalists, reporters pay 20% more. Professional caterers come in with more claims than cooks or chefs. For this reason, professional caterers pay 8% more than other workers in a restaurant kitchen.

When you fill out the job title field on an insurance comparison form, you need to pay attention to the specific variant of your job that you pick. As long as the variant you pick is a reasonably close description of what you do, you can save between 10% and 20% on your premium, experimenting with different job titles (an additional £30 or so, keeping with the Vauxhall Astra example above). Using a third-party job title checking tool can help you quickly come by the right variant to use for the greatest savings.

When your insurance expires, never automatically renew with the same provider

You may prefer your current insurance provider for a number of good reasons – you may like their friendly help desk or the way they quickly process claims without quibbling. A desire to stay on with your current insurer is no reason to simply click on the auto-renew link in the renewal notice, though.

Many insurers try to take advantage of existing customers by offering them expensive renewal rates, while offering new customers much lower rates for the same product. In their experience, sending out high-priced auto-renew letters works out to be more profitable than sending out quotes that are fairly priced. A large proportion of insurance customers click on auto-renew links without thinking.

If you wish to remain with your insurer, you should do it in a different way. You should use an online insurance price comparison tool first to find the lowest price on the market with any insurer. When you have a quote in hand, you should save a copy of the screen with the quote and call your current insurer asking for a price match. You can offer to send proof of the quote over email.

Posted in Articles | Tagged | Leave a comment

Haggle Your Way To Better Prices On Car Insurance For Your Vauxhall Zafira

The Vauxhall Zafira is, according to the manufacturer, a compact family car, although most reviewers describe it as being a spacious Multi-Purpose Vehicle (MPV). It will seat up to seven people, or you can use it to carry a considerable number of items. It is also well equipped inside, and considering its role as an MPV, it is attractive to look at on the outside. There are a number of models available under the Zafira marque and this not only provides access to cars on a wide range budgets, but it also means that you can choose the model that best suits your needs, and the one that costs the least to run.

The Vauxhall Zafira

The Vauxhall Zafira is comfortable to drive, and equally comfortable for the multitude of passengers that can be squeezed in. While the entry level model is not overflowing with features, there are some great additions to the other cars in the range. If you need the additional seating space, or you have to drive around a lot of gear as well as a handful of people, it is an ideal choice. The amount that you pay for car insurance for your Vauxhall will depend on a number of factors, but you can haggle and shop around to try and get the best available deal.

Don’t Auto-Renew

First and foremost, you should avoid letting your insurance auto-renew. Insurance policies don’t go all out to provide the best offer possible for automatic renewals. This means that you are likely to be paying an inflated price if you do simply let your renewal come into force. Try to arrange a new policy as soon as possible, and inform your current insurer so that they do not simply renew your policy on your behalf.

Use Your Renewal And Haggle

When you receive your renewal from your insurer, contact them straight away. Tell them that you intend to look around for a better price, and that you believe you can do better. Usually, they will make you an improved offer on car insurance for your Vauxhall. The improved offer can prove very useful, because you can use it when contacting other insurers. Any that are interested in winning your business will attempt to beat the price that you have received.

Shop Around

Take your improved renewal offer and contact other insurers. Some people still prefer to ring around, or use a broker, to try and access the best deals and prices. However, the far more convenient option is to use an online comparison site.

An online comparison site works similarly to an insurance broker. You provide your details once, albeit manually online, and then the site will generate offers from dozens or even hundreds of insurers, before compiling the results and providing them to you in order of the cheapest deals first. This can make the whole shopping around process considerably easier, but you do need to ensure that the policies provided offer the same terms so that you can be sure you are comparing on a like-for-like basis.

Contact Insurers As Well As Using Comparison Sites

Posted in Articles | Tagged | Leave a comment

Automatic Direct Auto Insurance Quote

Acquiring insurance coverage may not be as easy as you expect, especially if this is your first time. Young drivers, who were previously included in their parents’ policies, need to have their own auto insurance coverage sooner or later. There are some basic requirements such as credit card and saving accounts; many insurers also require applicants to actually have a home. Even when the basic requirements are already fulfilled, young drivers often have to pay quite high premium due to various reasons, for example no home ownership or simply lack of driving experience. Direct General Auto Insurance (or simply referred to as Direct Auto Insurance) has its own method to make the entire processes very easy. To get Direct Auto Insurance quote, applicants do not even need to actually have credit card or saving accounts, meaning young drivers can apply with good chance of approval.

Driving experience is an also an important factor to determine insurance rate. Without enough experience, insurance companies will treat young drivers as “high-risk”, meaning they should purchase non-standard coverage which is always more expensive than its regular counterpart. When acquiring Direct Auto Insurance quote, please remember that you can use the discount as long as you are eligible for it. For young drivers (especially those without occupation or home ownership yet), the “good student” discount is an excellent option to reduce premium by up to 10%.

You can ask for Direct Auto Insurance quote online or at the company’s branch offices spread across 13 states. There are more than 400 branch offices, and you can even acquire quote by phone. Even without credit card or checking account, you can pay the premium bill quite easily, too. In fact, auto direct insurance allows you to choose any specific date in a month to pay the bill, plan your own schedule, installment plans, and even payment methods in including online, offline, and even via phone too.

Young drivers can acquire the quote online and have it delivered to home addresses. In case you are not sure about what type of coverage to purchase, Direct Car Insurance provides you with Virtual Insurance Agents including Coverage Assistant and Life Coach; both are designed to help you to understand what coverage to purchase and make sure that your choices comply with state’s regulation. Those virtual agents will ask some simple “YES or NO” questions and give suggestions based on your answers. Recommendations are given instantly and automatically when you are asking for quotes. However, it is possible to change the company’s recommended coverage plan and simply purchase those that you need the most.

Posted in Articles | Tagged , , , | Leave a comment

Motorbike Mot Reading

What to know about Motorbike Mot Testing Reading

Do you have any idea about Motorbike Mot Testing Reading? Here are some of the few important facts about this company. First, they are based on their reliability and good value services they have come up with an excellent kind of reputation throughout the whole reading and also Berkshire are. Their success has been achieved through their quality of work, helpful and friendly staff and more so an honest and fair testing policy of MOT. They are currently going on with a special offer and it is for only a limited time. In addition to that, they are currently operating their service of recovery for 24 hours to its esteemed customers and also with delivery and collection which is absolutely FREE. If in case, services of valeting are needed, they are very ready to offer.

Just to go in detail, Moped Mot and motorbike tests are normally carried out in this particular company. They are normally available from Monday to Saturday in order to carry out the tests of motorbikes mot. Their test lane is always busy. In that case whenever you are going there, make sure to book very early in order for you to avoid the delays which are usually long in waiting for the mot appointment .This normally happens during the months of summer when there is high demand of Motorbike Mots, though they are always make sure that they do their best to fit each and every customer in where they can. They are always passionate when it comes to Motorbikes. Apart from being passionate, they also provide the repair services to the customers in order for your machine to perform well hence improving on safety. Since they have got labor rates which are always competitive, they usually promise to give out the best services as much as possible to their esteemed customers all the time.

What is normally checked?

Steering

-The front wheel is usually raised from the ground and the handle should not foul specifically the tank whenever the steering is turned fully into lock to lock. The steering should be free to move and with no any notchiness or drag.

-The grips should be secure and the handlebar should be mounted in a secure manner also.

-Since the fork sliders should be held, it is then pushed and pulled on the forks. In that case, there should be no any play that is in the head bearings of the steering.

Lights

Of about 20% rate of failure on the tests of bike MOT, more than half of it is specifically for lights which are broken or defective. This seems to be somehow amazing. This is because they are considered as the items which are the most simplest to check by yourself even before you decide to go to the MOT test. Requirements here are quite simple and also straightforward in replacing or adjusting, with no any need of a mechanic dealing with motorbikes.

· Headlights and tail lights.

It should be free of cracks or chips. Headlights should be able to work on the main and also dip beam. Concerning the main beam, it should be able to shine ahead directly and the dip beam should be somehow lower and it should be to the left side.

Posted in Articles | Tagged , , | Leave a comment

4 Things to Know About Performance Car Insurance

Cars with high performance engines and a high price tag are often put into their own category when it comes to car insurance. The quickness with which your car can reach a high speed is both a potential safety hazard and something that makes your car attractive to thieves. Both of these factors are red flags for insurers, who want to insure cars with a low risk of needing a theft claim and low repair costs. You can certainly shop for discounts, but prepare to be held to a high standard. If you’re new to the world of performance car ownership, here are some key considerations regarding insuring your valued car.

1. Security is a Large Factor

If an insurance company sees your high performance car as an easy target for theft, your insurance premium will almost certainly increase. A performance vehicle is not inexpensive to replace, making security measures an important upgrade if they are not already factory fitted. Features like an immobiliser will give your insurance more peace of mind. An immobiliser makes it impossible to start your car without the key inserted. A chip inside the key is needed to active two of the three essential start up systems, including the fuel system. This means an end to hotwiring your vehicle. To enjoy cheaper premiums, improve the security system of your car.

2. Repair Parts May be Hard to Come By

A performance vehicle may be difficult, or at least expensive, to insure because your insurance company knows that repair claims will be expensive. A single part on a high performance car can take time and labour to track down, and the expense of the equipment itself is likely to have a high price tag. With that in mind, your performance car insurance rate will be increased to help your insurer offset any potential future repair costs. If you can prove that your particular model doesn’t require particularly expensive repairs, you may be able to get a lower insurance rate.

3. You Can Still Get Discounts

Despite their notoriously higher rates, premium car insurance plans are not ineligible for discounts. If you add a security modification to stave off would-be thieves, for instance, you can often get a discount on your monthly premium costs. Likewise, parking your car in a locked garage overnight will usually allow you to enjoy cheaper premium rates than when you park on the street. Taking a certified safety test can also encourage your insurer to offer you lower premiums, such as the courses offered by Any Driver and PassPlus. Ask your potential insurance company about which modifications or testing it recommends you to take in order to benefit from discounts.

4. Modifications May Be Penalized

While safety modifications will be rewarded by your insurer, some modifications may make you ineligible for coverage or increase your costs. For instance, if you modify your engine to boost your speed, your insurer may increase your costs. Some modifications are allowed and won’t necessarily increase your rates, but your insurer won’t be willing to replace their value in an accident. When you add an upgrade to your car, then, it’s important to notify your insurance company and ask if you need additional insurance. If you get like-for-like insurance on modifications, your insurance provider will replace it when it’s damaged in an accident. Otherwise, your insurer is only responsible to repair your car as it was when it left the factory. You could lose hundreds or thousands of pounds of modification expenses because you did not get the upgrades properly insured.

Only your insurance company, or the provider who will hopefully provide your coverage, can offer a detailed picture of what you need to do to achieve the least expensive rates. While online insurance rate search engines can offer a big picture, your specific car may have variables that either increase or decrease your rates. Remember that your insurance company will also evaluate you as a driver. Even if your vehicle is very safe, if you have a history of being liable for accidents you will be penalized with higher rates. Also know that not all performance car insurance policies are available in all postcodes.

Posted in Articles | Leave a comment

How can you buy auto body parts online

If your car or bike has come across any mechanical failure of any kind, you would for sure to take it to any repair shop? There you may have the possibility of buying unfamiliar auto body parts. At such junctures, you either have to rely over the mechanic who charges additional money for any auto body part he adds in your car or you can go and get the right one for your vehicle and save money. Both these choices come with their own flaws with one of it demanding more bucks while the other is full with physical issues. But don’t you worry a lot since you have some other option as well for buying the car body parts online.

Hence when you talk approximately buying the body parts auto online the only best way is to find a good online store. You are supposed to find out a store that is also admired for presenting high quality products with an amount of inexpensive deals that are certainly not found over the brick and mortar stores. For this, one of the topmost ways is to ask for different references from your friend or family buying the auto parts like radiator support or ac condenser online. Of the key ways in which you can find the it is through sites like Google, Yahoo or Bing. All you are supposed to do is to make category of relevant keywords over Google and Yahoo and find out the online stores that deal with auto parts. Simply make a list of these stores and have some time study to find out the top in terms of quality and affordability.

The moment you find a good online store, you have a number of other important factors to count while buying these products. Keep in mind to specify the suitable car part while placing its order online. For example if you have shopped for stuff like Honda body parts you are first assured to check the suitable make and model of your car and then place the relevant order. Buying a good deal of products is as vital as getting quality or affordability over the online stores especially when you end up getting a wrong spare part for your car can be futile experience.

Before you buy the automotive body parts it is vital to check a quantity of things like the substitution and return policies and the proper cost. There are certain online stores, which do not showcase the total cost of the spare parts as they have certain hidden taxes and other things, which increase the cost of the product. Plus a user friendly return and substitution policies are a must since it will help you to substitute the wrong stuff and get the right one for your car.

Posted in Articles | Leave a comment

How GAP Insurance is the Bee’s Knees for Land Rover Owners

Finding car insurance for your Land Rover or Land Rover Freelander Sport requires planning ahead to ensure that you have adequate coverage should a disaster come calling. One aspect of auto insurance that all Land Rover owners should consider is GAP coverage.

First, insurance companies are not required to pay off the retail cost of a Land Rover if it is destroyed in an accident or stolen and cut up for parts. Combined Guaranteed Asset Protection (GAP) picks up where your normal insurance drops out. GAP insurance is designed to bridge the difference between the insured value of the Land Rover and what remains of the outstanding balance with the loan company. The idea behind GAP, and it is a good idea, is to make certain that money is paid to the loan company to pay off any balance in a loan agreement. That means that you won’t be depleting a personal bank account to pay off the creditor. Here’s how it works.

Say you bought a Land Rover for £35,000. Three years later a thief steals it and ships it off to a Mafia hit man in France. Now the insurance company tells you that it will pay you only £20,000 for the loss. You still owe the finance company £10,000. GAP insurance will step in and pay you the other £10,000, leaving you free and clear of any debt owed to the lender.

GAP also works to make you financially whole again if you paid cash for the Land Rover. If the insurance company only pays £20,000 for a total loss, GAP insurance will step in to bridge the difference between what the insurance company pays and the retail price you paid for the vehicle. That allows you to visit the Land Rover dealer and buy an equitable replacement.

Land Rover owners need to be aware that insurance companies depreciate the value of a vehicle as it ages. That £35,000 Land Rover no longer retains that value after a year or more on the road. Consequently, should that vehicle be wrecked or stolen, the insurance company will only pay out the depreciated value of the vehicle. The depreciation payment will leave you holding the bag if you owe more to the lender than what the insurance company paid. GAP insurance steps in to ensure that you don’t need to dig into your pocket to pay off a loan. Here are a few reasons to consider GAP insurance:

* Thieves steal one vehicle every minute in the UK, and one-third are never found.

* Settlements by insurance companies are always less than what you paid for the Land Rover Freelander Sport.

* More than 500,000 vehicles are considered a complete loss every year.

* Depreciation of vehicles is happening at a faster rate.

* It’s a personal financial hardship trying to raise cash to pay off a vehicle loan.

GAP insurance comes in various flavors to cover assorted exigencies. Here are the most common GAP policies offered.

Vehicle Replacement Insurance (VRI)

This is the gold-plated GAP coverage that will replace your vehicle with a similar or better new model. Even if the retail price of the vehicle has increased, and it usually will, this GAP coverage will seat you behind the wheel of a new vehicle.

Posted in Articles | Tagged , | Leave a comment

How to Drive Stick Shift

These days, it’s difficult to find a vehicle with a standard transmission unless you specifically look for one. Most modern cars are automatic. However, knowing how to drive a stick shift is a useful skill to have. You never know if you’ll find yourself needing to drive a vehicle with a manual transmission. Here’s a short guide to help you get started.

Familiarize Yourself Knowing the differences between a standard and an automatic transmission and familiarizing yourself with these differences is the biggest hurdle in learning to drive stick. Give yourself some time to sit in the vehicle without driving and get to know the layout.

You’ll notice an additional pedal on the left side of the floor. This is the clutch. The clutch is what allows you to shift gears.

Also take note of the gear box. Most vehicles have 5 gears, plus reverse. Reverse is pretty self-explanatory. The rest of the gears are ordered in regards to wheel rotations. It’s just like a bike: A lower gear has many wheel rotations per a certain energy input, while a higher gear has fewer wheel rotations for that same energy input. In general, you use the higher gears when driving faster or going down a steep hill.

Have Someone Help You Find a friend or family member who knows how to drive a stick shift and see if they’ll help you learn.

First have them start, drive, and park the car with you in it. Have them explain when they shift gears, which gear they shift to, and why.

Next, you get in the driver’s seat. Have them slowly walk you through starting, driving, and parking. It’s best to have someone knowledgeable with you the first few times driving so you don’t permanently damage the car, which can easily happen to beginners.

Practice, Practice, Practice! The clutch only works when you’re aren’t accelerating, or using the accelerator pedal. And after you’ve switched gears, you want to step off the clutch and on to the gas pedal at the same time. Practice stepping on the clutch and off the pedal, moving the gear stick, and disengaging the clutch and accelerating. The quicker you can do it, the better.

Memorize where each gear is located on the gear box. Practice shifting and getting to know where each is located by feel.

Learn the intricacies of your car and when’s the best time to upshift or downshift. With a lot of practice, you’ll be able to tell by feel and the sound of your car what gear you should shift to.

Posted in Articles | Tagged | Leave a comment