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Thursday, 8 October 2015

Homeowners and Renters Insurance

Homeowners and Renters Insurance

What is homeowners insurance?


Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.


Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.


Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

What is auto insurance?

Know What Is Car Insurance



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 coverage's. 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.

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

Wondering How to Care for Your Car?

Car Care Articles


Get the answers you need from ASE, the industry expert in vehicle repair.

The most common question we hear from consumers is, “What do I need to do to take care of my car and avoid big repair bills?”

Fortunately, the answer is simple: Establish and follow a regular vehicle maintenance plan. A maintenance plan is essential for protecting your automotive investment and maximizing the reliability and safety of your vehicle.

Start with reading your vehicle owner’s manual, where you’ll find the automaker’s recommendations and maintenance schedules based on your driving patterns and habits.

Next, you’ll need to find a good repair shop. Whether a shop is connected to a new car dealership, part of a national chain or an independent service provider, the most important thing to look for is whether they have ASE-certified technicians on staff.

You’ll also need to know how to communicate properly and effectively to avoid misunderstandings that can increase repair and diagnostic costs.

So exactly how do you do all of this?

Easy! Just view our collection of articles that will help you answer your auto maintenance questions. You’ll find both specific advice as well as general recommendations that apply to all types of cars and trucks, covering a wide range of topics.


Finding A Quality Auto Repair Shop

Finding A Quality Auto Repair Shop


New to your town or city? Looking for a good auto repair shop?
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 thing or two about selecting a vehicle repair facility.
Whether you are new in town or you are just looking for a new shop, the experts at ASE offer some guidelines to help take some of the anxiety out of your search:
  • Look for a repair facility before you need one; you can make better decisions when you are not rushed.
  • Ask friends, co-workers and associates for recommendations.
  • Consult local consumer organizations, such as the Better Business Bureau (BBB) and chambers of commerce, about the reputation of the shop. Inquire about the number, nature and resolution of complaints.
  • Search online for business reviews and visit the shop’s Facebook page if one is available. You can learn a lot about a business and its team by reading social media.
  • Look for a tidy, well-organized facility, with vehicles in the parking lot equal in value to your own and modern equipment in the service bays. You likely won’t find hospital-clean conditions, but consider whether the facility’s image and level of professionalism meet your needs.
  • Don’t make your selection based solely on location convenience.
  • Determine if the shop works on your vehicle make and model or performs the types of repairs you need. Some facilities specialize.
  • Look for signs of technician competence. The customer area should display trade school diplomas, certificates of advanced coursework and ASE certifications — a nationally recognized standard of technician competence — for all the employees.
  • Does the business have a sense of community? Service awards, plaques for civic involvement, customer service awards, membership in the Better Business Bureau and other consumer groups is a good indicator.
  • Professionally run establishments will have a courteous, helpful staff. The manager, service writer, or technician should be willing to answer your questions thoroughly.
  • Labor rates, fees for testing and diagnostic work, guarantees, methods of payment, etc. should be posted in the front office/waiting room.
  • Ask for the names of a few customers as references. Call them.
  • Start with a small or minor job, such as an oil change or tire rotation. Reward good service with repeat business and more complex work.

Look for the Blue Seal

ASE also recognizes some of the best automotive repair shops through its Blue Seal of Excellence program. To qualify, 75 percent of the employees at the automotive repair facility or related business must be ASE certified, covering all the areas of repair or support offered.
In addition, all facilities that employ full-time service consultants and/or estimators must have at least one who is ASE certified. Service consultants must hold current ASE Service Consultant (C1) certification, and estimators must hold current Damage Analysis & Estimating (B6) certification.
To locate an ASE Blue Seal Shop in your area, visit our locator page.

Don't Let Car Troubles Ruin Your Holiday Travels

Don't Let Car Troubles Ruin Your Holiday Travels


Fall presents ideal time for car service and maintenance

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As the holidays approach, motorists should make certain their vehicle is up to the rigors of winter travel. Autumn has traditionally been a busy time for carcare activities. Whether you do your own maintenance or depend on the pros, fall service let's you undo the wear and tear of summer's tough conditions while getting ready for colder weather ahead.
The following tips from the experts at the nonprofit National Institute for Automotive Service Excellence (ASE) should give you a road map to fall car care. According to officials at ASE, "Cold weather will only make existing problems worse. A breakdown, while never pleasant, can be deadly in the winter."

First things first

Read your owner's manual and follow the manufacturer's recommended service schedules.

Engine Performance

Get engine driveability problems (hard starts, rough idling, stalling, diminished power, etc.) corrected at a good repair shop. Cold weather makes existing problems worse. Replace dirty filters air, fuel, PCV, etc.

Fuel

Put a bottle of fuel deicer in your tank once a month to help keep moisture from freezing in the fuel line. Note, too, that a gas tank that's kept filled helps prevent moisture from forming.

Oil

Change your oil and oil filter as specified in your manual more often (every 3,000 miles or so) if your driving is mostly stop-and-go or consists of frequent short trips.

Cooling System

The cooling system should be flushed and refilled as recommended. The level, condition, and concentration of the coolant should be checked periodically. (A 50/50 mix of antifreeze and water is usually recommended.) DIYers, never remove the radiator cap until the engine has thoroughly cooled! The tightness and condition of drive belts, clamps, and hoses should be checked by a pro.

Heater/Defroster

The heater and defroster must be in good working condition for passenger comfort and driver visibility.

Windshield Wipers

Replace old blades. If your climate is harsh, purchase rubberclad (winter) blades to fight ice buildup. Stock up on windshield washer solvent you'll be surprised how much you use. Carry an ice-scraper.

Battery

The only accurate way to detect a weak battery is with professional equipment. Routine care:  Scrape away corrosion from posts and cable connections; clean all surfaces; retighten all connections. If battery caps are removable, check fluid level monthly.

A word of caution:

Removal of cables can cause damage or loss of data/codes on some newer vehicles. Check your manual. Be sure to avoid contact with corrosive deposits and battery acid. Wear eye protection and rubber gloves.

Lights

Inspect all lights and bulbs; replace burned out bulbs; periodically clean road grime from all lenses. To prevent scratching, never use a dry rag.

Exhaust System

Your vehicle should be placed on a lift and the exhaust system examined for leaks. The trunk and floorboards should be inspected for small holes. Exhaust fumes can be deadly.

Tires

Worn tires will be of little use in winter weather. Examine tires for remaining tread life, uneven wearing, and cupping; check the sidewalls for cuts and nicks. Check tire pressure once a month. Let the tires "cool down" before checking the pressure. Rotate as recommended. Don't forget your spare, and be sure the jack is in good condition.

Emergencies

Carry gloves, boots, blankets, flares, a small shovel, sand or kitty litter, tire chains, a flashlight, and a cell phone. Put a few "high-energy" snacks in your glove box.
For ASE’s Glove Box Tips, click here.
The National Institute for Automotive Service Excellence (ASE) was founded in 1972 as a nonprofit, 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.

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.