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Showing posts with label auto. Show all posts
Showing posts with label auto. Show all posts

Thursday 8 October 2015

Can I drive legally without insurance?

Can I drive legally without insurance?


NO! Almost every state requires you to have auto liability insurance. All states also have financial responsibility laws. This means that even in a state that does not require liability insurance, you need to have sufficient assets to pay claims if you cause an accident. If you don’t have enough assets, you must purchase at least the state minimum amount of insurance. But insurance exists to protect your assets. Trying to see how little you can get by with can be very shortsighted and dangerous. The insurance industry and consumer groups generally recommend a minimum of $100,000 of bodily injury protection per person and $300,000 per accident since accidents may cost far more than the minimum limits mandated by most states.
If you've financed your car, your lender may require comprehensive and collision insurance as part of the loan agreement.
For more information, see Automobile Financial Responsibility Laws.

Cheapest Cars to Insure in 2015

Cheapest Cars to Insure in 2015

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage:

Property coverage pays for damage to or theft of your car.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements. Most auto policies are for six months to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.


There's a lot to take into account when buying a new vehicle. How it feels and looks is important, but how much it costs -- including fuel consumption, potential resale value, and monthly auto insurance premium -- is usually the deal breaker. To help buyers determine which cars are truly the cheapest, Cheapism.com turned to a recent comparison of insurance rates for more than 1,500 vehicles by Insure.com.

This list of the 15 cheapest cars to insure reflects the annual cost of full coverage by six major insurers for a 40-year-old male driver with good credit, a clean record and a 12-mile commute in 10 ZIP codes in each state. Unsurprisingly, family vehicles that are typically driven by cautious parents are cheaper to insure than flashy sports cars, but other affordable models may not be what you expect.

Jeep Wrangler Sport: $1,134 a Year. The least expensive standard model Wrangler on the market, this two-door, 4x4 SUV is notable for its 3.6-liter Pentastar V6 engine and iconic looks. This model also recently ranked first in terms of resale value for compact SUVs. (It retains 57.4 percent of its original list price of $23,500 after five years.)

Jeep Patriot Sport (2WD): $1,136 a Year. Cheaper (starting at $16,895) and roomier than a Wrangler, the two-wheel-drive Jeep Patriot is better suited for family driving than off-roading. Cruise control and 16-inch wheels are standard, but the Sport package lacks power accessories and air conditioning. Car site Edmunds.com asserts there are better options for consumers than the Patriot, citing drawbacks such as insufficient storage space, disappointing ride quality, and lackluster basic options.

Honda CR-V LX (AWD): $1,160 a Year.The LX is the simplest of the available trim packages but still comes with a rearview camera and hands-free text messaging. All CR-V models are powered by a 2.4-liter, four-cylinder engine, although the all-wheel drive included in this model is an upgrade. The CR-V ranked best in a U.S. News & World Report list of affordable compact SUVs and starts at $24,695. The review highlights a spacious interior, responsive steering, and good fuel economy.

Dodge Grand Caravan SE Plus: $1,162 a Year. The top-ranking minivan on the list, the Dodge Grand Caravan carries a mixed reputation but offers some features consumers may like. The second and third rows of seats can be laid flush with the floor, creating plenty of cargo space and the rear seats can be flipped to face the back for tailgating. The SE Plus starts at $25,245; the cheapest trim package, the AVP, starts at $21,795. This is the last year the Caravan will be available; Dodge is dropping it from the lineup.

Honda Odyssey LX: $1,163 a Year. The Honda Odyssey minivan is a favorite among car critics, although at $28,975, it's more expensive than others on this list. Still, it's noteworthy for its smooth handling, quiet and comfortable ride, safety rating, and fuel efficiency (for its class). The LX is the base model but still includes a rearview camera, Bluetooth, Pandora compatibility and power-adjustable front seats.

Jeep Compass Sport (2WD): $1,164 a Year. This third Jeep model on the list, like the Patriot Sport, is less expensive than a Wrangler, at $18,995. It's also less Jeep-like, in that off-roading may just be off-limits for this front-wheel-drive model. That doesn't mean it's not a good compact SUV, though; it gets decent reviews from experts at Edmunds and The Car Connection, a review and research site.

Subaru Outback 2.5i: $1,176 a Year. The 2015 Outback has been redesigned and offers a roomy interior, sleek body and precise steering. All Outbacks come standard with all-wheel drive, making this a suitable vehicle for outdoor adventures. Motor Trend concludes that the 2015 Outback is bigger and handles better than the competition. The 2.5i is the base model and starts at $24,895.

Ford Edge SE (2WD): $1,176 a Year. A mid-size crossover that seats five, the Ford Edge SE is comparable to the Honda CR-V LX, according to The Car Connection, (although this model has front-wheel drive). Other reviewers appreciate the high-quality look and feel, EcoBoost engine and quiet ride. This base model has a list price of $28,100.

Smart Fortwo Pure: $1,186 a Year. The Smart Fortwo is a two-seater car about half the size of a sedan, which makes finding a parking space amazingly easy. But the same $13,270 and up that you'll spend for this model can buy a more comfortable ride that isn't scary to drive on a freeway. The Pure package is bare-bones, although there are options for power windows and mirrors ($80), radio ($350) and power steering ($550). Air conditioning comes standard.

Ford Escape S (2WD): $1,190 a Year. One of the best-selling crossovers on the market, the Escape stands out with its styling and acute handling. Reviewers say it's fun to drive on winding roads, although it can feel a bit firm at times. Even the basic S trim level (starting at $22,960) comes with full power accessories, six-speaker sound system, air conditioning, rearview camera and Ford's Sync voice command system.

Nissan Xterra X (2WD): $1,200 a Year. Based on a shared Frontier pickup platform, the Nissan Xterra (starting at $23,660) boasts the same easy-to-clean interior. The Car Connection notes that owners give up some comforts (those easy-to-clean surfaces are hard plastic) but get a vehicle that's versatile, spacious, and ready for off-roading.

Dodge Journey AVP: $1,201 a Year. The American Value Package, the base model, starts at $20,295 and is a good budget option for consumers seeking a midsize crossover. The Journey AVP seats five, but an optional third row adds an additional two seats. The four-cylinder engine can feel strained, but it's the only option available at this trim level.

Buick Encore: $1,205 a Year. The Buick Encore, a subcompact crossover, is slightly larger than a standard hatchback and feels more luxurious than the competing Honda HR-V, Mazda CX-3 and Jeep Renegade, but there's no need to pay for a luxury marque. The Encore is available for $24,065 and up. There are five seats, but in reality it fits only four adults comfortably. Reviewers also say the 1.4-liter engine doesn't have enough oomph, or the fuel efficiency one might expect from a small-engine subcompact; they like just about everything else.

Chevrolet Spark LS (Manual): $1,206 a Year. The Chevy Spark is a four-door hatchback that works well for city drivers and is kind to the pocketbook: This model's MSRP is just $12,270. Despite being small and light, the Spark feels and drives like a "real car," Edmunds says. This practical car seats four and gets up to 40 mpg. The basic LS trim comes with air conditioning, power windows and a four-speaker sound system.

Toyota Tacoma Access Cab (2WD): $1,210 a Year.The only pickup on this list is a leader in the compact/midsize class. The Tacoma isn't as powerful nor as comfortable as a full-size but is known for durability and does well when stacked against the competition. The basic, two-door Access Cab version comes with a 2.7-liter, four-cylinder engine, air conditioning, manual transmission and two rear seats that are best suited for children. It's an easy pickup to drive, but with a starting price of $20,965, it's more expensive than comparable models.

Wednesday 7 October 2015

Protect Your Auto Investment

Protect Your Auto Investment


If you've ever wondered what it takes to be an ASE-certified automotive technician, consider this: In the span of one career, automotive engine technology alone has advanced from purely mechanical devices that need periodic adjustments to sophisticated, computer-controlled systems that can actually compensate for normal wear.
The same can be said for virtually every major system on today’s vehicles, from brakes to transmissions. And the technicians who service and maintain our vehicle fleet have had to learn it all. In fact, to be an ASE-certified automotive technician today is to commit to a lifetime of training just to keep abreast of changing technology.
Maintenance more necessary than ever before
Modern vehicles are wonders of engineering. In just the past decade, maintenance intervals for things like spark plugs, emissions and cooling systems have been stretched out to 100,000 miles in some vehicles.
But the need for periodic maintenance hasn't changed. In fact, given the longer life expectancy of today’s vehicles, the need for periodic maintenance has never been greater if you expect to get the most from what has become the second biggest investment most individuals will ever make.
To protect this investment and to get the maximum reliability and safety from the vehicle you depend upon daily, you need to establish and follow a maintenance plan. The best place to start a maintenance program is by reading your owner's manual. In it you will find the manufacturer's recommended maintenance schedule.
This schedule is based on "normal" driving, but remember that very few of us drive "normally." The roads are typically dusty and strewn with potholes and speed bumps. Look at the manufacturer's recommended maintenance schedule as a starting point for your vehicle maintenance plan, not the final authority.
The National Institute for Automotive Service Excellence (ASE), the non-profit organization that tests and certifies the competence of individual automotive repair technicians, knows a few things about vehicle maintenance too. ASE offers some general recommendations, which apply to all types of cars and trucks, to help you build a comprehensive vehicle maintenance plan.
Lube for life
The engine is the heart of your vehicle and probably the most costly to repair when something goes wrong. Modern electronic controls have eliminated a lot of adjustments, and what we used to call a “tune-up” has evolved into something akin to a complete physical, where most of the work involved is designed to verify proper operation of computer control systems.
While it's true that new cars and trucks run cleaner than ever before, the engine and all its related control systems must be kept operating exactly as designed to prevent increased engine emissions and a host of driveability problems.
The one thing experts agree on that you can do to add many miles to your engine is regular oil and filter changes. Most auto manufacturers recommend oil and filter changes every 7,500 miles or six months under "normal" conditions, but repair experts believe a better interval is every 3,000 miles or three months. By changing the oil regularly, the inside of your engine will stay clean, and you'll avoid damaging sludge buildup.
Keeping cool
Today's cars also tend to run hotter than previous models. With the trend to downsize vehicle components to save space and weight, cooling system components are being asked to do more than their older counterparts.
The best thing you can do to maintain the cooling system at peak efficiency during the life of your car is toreplace the coolant according to the manufacturer's recommendations. Although some of the newer coolants last longer, antifreeze does wear out. By replacing the coolant periodically, you insure that the corrosion inhibitors are fresh and are helping to eliminate the scale and corrosion that builds up inside the cooling system.
Fluid facts
Probably the most ignored fluid in the car — and the most important — is the brake fluid. Brake fluid is not a petroleum-based product, so it does absorb moisture from the air. This hygroscopic quality diminishes its effectiveness and lowers braking performance.
Sludge will also build up over a period of time, blocking the valves inside antilock brake (ABS) units and resulting in costly repairs or replacement. In addition, this sludge may cause calipers and wheel cylinders to leak, also resulting in repairs or replacement. Experts recommend having the brake fluid flushed and refilled periodically, although manufacturer recommendations vary as to how often.
The transmission fluid also needs to be changed on a regular basis to help keep the transmission in tip-top shape. Here again, some manufacturers have increased maintenance intervals to 100,000 miles for transmission fluid changes, but these systems still need periodic maintenance. Most transmission failures can be directly traced to a lack of maintenance. When planning your maintenance schedule, consider that even one transmission replacement will probably greatly exceed the cost of all the fluid and filter changes for the entire life of the car.
Power steering is another fluid that is often ignored. It is recommended that it be flushed and refilled at least as often as you replace the brake fluid.
Replacing the differential fluid is something that is most often overlooked. A regular fluid change will help the differential last the life of the vehicle. If your vehicle is four-wheel drive or all-wheel drive, change the transfer case fluid as well.
Get out the grit
Filters play a critical part of a regular vehicle maintenance plan. Air and fuel filters keep dirt and abrasive grit out of the engine. Problems arise when these filters get dirty and start to clog up. Many driveability problems, such as hesitation and rough idle, can stem from dirty air and fuel filters. For maximum effectiveness, they should be replaced about every 15,000 miles, but driving in dusty conditions can require more frequent air filter changes.
A filter that is often overlooked is the carbon canister filter. It is an important part of the emission control system and filters the incoming air that this system uses. The canister is an integral part of today's engine management system, and a clogged canister filter can also result in driveability or emissions problems.
Some cars still have a positive crankcase ventilation (PCV) filter, also called a breather element. This filters the air for the PCV system to ensure clean air enters the engine crankcase. Most cars today draw air for the PCV system from the air cleaner housing so this filter is not needed, but if your engine has one, replace it at 15,000 mile intervals as well.
Speaking of the PCV system, the PCV valve (if equipped) should be replaced on a regular basis, too. When you put the new PCV filter in, replace the PCV valve as well. Many cars now use a metered orifice instead of a PCV valve and this should be checked periodically for free flow.
Today's ‘tune-up’
Ignition systems have become much more reliable over the years. Many engines don't even have distributors anymore; they use a DIS or Direct Ignition System. These systems can either mount one ignition coil on each spark plug, or share one coil for two plugs, thus eliminating the need of a distributor.
On engines that still use a distributor, it is a good idea to replace the distributor cap, distributor rotor and ignition wires according to the manufacturer's recommendations.
The spark plugs need to be replaced on a regular basis as well. Even though some manufacturers have extended those intervals to 100,000 miles, this doesn't apply to all engines. The best plug to use is the one the manufacturer recommends. This information is usually found on an engine decal located under the hood.
Belt basics
Perhaps the most critical engine component these days is the timing belt. Most manufacturers suggest replacing the timing belt every 60,000 miles.
Not all engines use a timing belt, but on those that do, it's critical that it be replaced before it breaks. If your car has an interference engine where the valves and pistons occupy the same place in the combustion chamber at different times, serious engine damage can occur if the belt breaks while operating. If your car has a non-interference engine, the worst that will happen is you get stranded somewhere.
Other engine drive belts should be checked on a regular basis — about as often as you change oil. In general, you should look for excessively cracked, glazed or frayed belts. Many accessories — including the alternator, power steering pump and coolant pump — are operated by drive belts. If these belts break or slip, the components they drive will fail to work, leaving you stranded.
One more thing to check while you're looking at the belts is the battery. Virtually all batteries are maintenance-free these days, except for a periodic terminal cleaning and inspection for cracks or leaks. In addition, ensure the battery is mounted securely.
Tire tips
Tires are one of the most important maintenance items under your car. The best way to get the most out of your tires is by having them rotated and balanced on a regular basis, about every 7,500 miles. This ensures they wear evenly and last as long as possible.
Balancing is important to eliminate vibration at road speeds, and a properly balanced tire reduces the stress and strain on shocks, struts and steering parts. Keeping the tire pressures set to specification will also go a long way in extending tire life and fuel economy.
Seeing clearly
Finally, you should get in the habit of replacing your wiper blades once a year. The Car Care Council recommends replacing them each spring, when you set your clocks forward for Daylight Savings Time.
Wiper refills are the most inexpensive safety feature on your vehicle. And if you doubt having good wipers is a safety feature, try driving with bad ones in a downpour at night.
If you live in an area that suffers cold and snowy winters, you may want to change to winter blades in the fall and go back to regular blades in the spring.
Following a regular vehicle maintenance program is the best insurance you have against unexpected breakdowns and expensive repairs. It also pays dividends by allowing you to get the most out of your transportation investment.
With a little forethought and TLC, that family chariot can reliably deliver a couple of hundred thousand miles of service.
Non-Warranty Work Most Commonly Postponed
Repair workPercentage
Minor manufacturer-recommended scheduled service22
Wear items (e.g., break pads, tires)17
Body or other exterior damage15
Major manufacturer-recommended scheduled service11
Replacement of exterior light bulbs10
Repair of mechanical issues8
Source: Consumer Reports’ National Research Center survey, Nov. 3-7, 2011.

Gas-Saving Tips for Your Auto

Gas-Saving Tips for Your Auto

While it is always wise to conserve natural resources, the recent price of gasoline has made even the most wasteful people think twice. Whatever your motivation, here are some gas saving tips from the pros at the National Institute for Automotive Service Excellence (ASE).
Monitor tires. Under inflated tires or poorly aligned wheels waste fuel by forcing the engine to work harder. (Let the tires cool down before checking the air pressure.) Out-of-line wheels, as evidenced by uneven tread wear, should be aligned by a professional.
Remove excess weight. Remove unnecessary items from the vehicle. Store only essentials in the trunk. Less weight means better mileage.
Consolidate trips and errands. Some trips may be unnecessary. Also, try to travel when traffic is light so you can avoid stop-and-go conditions.
Avoid excessive idling. Shut off the engine while waiting for friends and family.
Observe speed limits. Speeding decreases your miles per gallon.
Drive gently. Sudden accelerations guzzle gas. Anticipate traffic patterns ahead and adjust your speed gradually.
Use windows and air conditioning wisely. Your mileage should improve if you keep the windows closed at highway speeds, since air drag is reduced. This is true even with the air conditioning on-assuming that the system is in good working order. But turn the air conditioning off in stop-and-go traffic to save fuel.
Keep your engine "tuned up." A well-maintained engine operates at peak efficiency, maximizing gas mileage. Follow the service schedules listed in the owner's manual. Replace filters and fluids as recommended; have engine performance problems (rough idling, poor acceleration, etc.) corrected at a repair facility. Given today's high-tech engines, it's wise to have this type of work done by auto technicians who are ASE certified in engine performance.
These conservation tips will not only save gasoline, they'll help extend the life of your vehicle. Win-win, indeed.
For ASE’s Glove Box Tips, click here.
The National Institute for Automotive Service Excellence (ASE) was founded in 1972 as a non-profit, independent organization dedicated to improving the quality of automotive service and repair through the voluntary testing and certification of automotive technicians. ASE-certified technicians wear blue and white ASE shoulder insignia and carry credentials listing their exact area(s) of certification. Their employers often display the blue and white ASE sign.

Wednesday 16 September 2015

How to Bargain With an Auto Dealer

How to Bargain With an Auto Dealer






You've made the decision to buy a new or used car, awesome! What's next? You'll need to find a car that fits your needs and budget. Often times at dealerships, looks can be deceiving. The sticker says one amount, but auto dealers may have a different price in mind. Just because the window has a figure on it, doesn't mean that's what you should pay. Here's some things to keep in mind when you're heading out to car shop.

Do your research. It's the most important step when making such a large investment. You'll want to research the safety and fuel efficiency ratings. Has the vehicle won any awards or had a recall? Will this car require a lot of maintenance? What is included in the manufacturer's warranty? Already have a make and model in mind? Find out what was the best year for that make and, if you're buying used, make a list of things to check on the vehicle.

After you do your own research, if you still aren't comfortable with so much information, bring a knowledgeable friend or family member. Bringing a friend can provide necessary support and expertise. Knowledge is power and, in this case, a coupon on a big ticket item.

Go in with a budget. Always know just how much you're willing to part with and stick to your guns. You're the customer, so they should have to work for your money, not the other way around. If the auto dealer can't reach your budget, then take a step back and give yourself some time to think it over. A car is a commitment and you need to be certain you're ready and getting the best possible deal while getting the car that's the best fit.

For used cars, check a price comparison site to see what is the fair market price. Keep that information with you. The auto dealer will work with you because you're both aiming at a common goal: both of you want to see you drive away in a new automobile.

Another thing to keep in mind is what features come with the car. Features can cause a significant difference in price, but what features are important to you? If you want to, it may be helpful to carry along your personal notes. It's always better to have the information on hand than to forget and lose money that could be saved.

Know the best days to buy a car. Sometimes it's hard to wait, especially when our jobs may take us far from home, but do some searching to decipher the best sales. You might be able to get more for your clunker by trading it in at a different time of year. Buying a car when it's fresh off the line is tempting, but waiting can be worth the savings!

Overall, the best advice is to stay informed, do as much digging as you can on the car you want, visit more than one auto dealer, and have your set price in mind. Know your goals, know your car, and know that when you drive away, it was the best deal for the car you wanted.


When considering auto dealers, Connecticut residents visit Artioloi Dodge. Learn more at http://www.artiolidodge.com/new-inventory/index.htm?make=Chrysler.


Article Source: http://EzineArticles.com/9157021

Things To Know About Safety Equipment Used On Vehicles

Things To Know About Safety Equipment Used On Vehicles






If I name some of the most popular pieces of public safety equipment, the warning lights, siren speakers, push bumpers and grille lights of different types will come to mind. With the increasing rising risks for first responders, the need for these essential items is critical. There is a huge responsibility on the shoulders of police, fire fighters, and EMS for the safety of the public.

These products are used constantly; all having and meeting the same purpose, public safety. The light and sound systems used by the police and other first responders are a type of safety equipment.

Public safety radio and speakers

All through the hours of an emergency or patrolling, the police are largely dependent on their vehicle's flashing lights, emergency radio systems, sirens, and speakers. These devices are made to comply with and act perfectly during their emergency operations.

Though these devices are often left un-maintained, neglected, and taken for granted, but they indeed are an important utility that should be taken well care of. If these systems would not work properly, first responders and those they serve could be imperiled.

The manufacturers of public safety equipment incorporate unique features that ensure these perform their duties robustly, during the emergency hours.

Power backup - The first blueprint of public safety radio, which are nowadays installed in police vehicles, did not have any provision for power backup. Additionally, it would consume a large amount of energy, which used to affect the operations of the vehicle.

The safety radios and speakers of today come with smart design, which does not consume high levels of power and keeps them on for longer duration of time.

Water resistance - Lighting systems on vehicles are an electronic utility, and just like any other electronic device, they too can get affected with the water, moist and rainy weather conditions. To ensure the safety of lights, speakers and radio systems of the police vehicle, it is a must for them to be water resistant. They are assembled in casings that are watertight.

The feature of water tightness gives them a shield against the moisture occurring due to weather-borne conditions. On vehicles, the water tightness of the lights will have a chief role in the success of police operations, especially during night hours.

Frequent maintenance - Last but not the least, the lights, radio systems, alarms, sirens, and speakers should be properly and routinely checked, and adequate measures should be taken to keep them working and in well-maintained condition. Though the systems of the present generation are usually water-resistant, yet that does not imply that they will be working perfectly well in moist surroundings. They need to be check at frequent intervals, and as some discrepancy is experienced in their operations, they should be sent for service and repair.


Public safety equipment plays a key role in maintaining the safety of people, without any violence such as police sirens, speakers and lights. The article discusses some important points that you should know about these systems.




Article Source: http://EzineArticles.com/9145555