CarInsurance.com Is Available At All Dealerships...With Internet Access

by: Erick Pace


You are ready to buy your first car. Researching the right vehicle can be a daunting task. You search for the right type of vehicle you need, the color you want, the type of interior. You have spent countless hours narrowing down the right vehicle for you. You find out what the MSRP (Manufacturer's Suggested Retail Price) is by using the following services:
Offline:

Consumer Reports Magazine
Auto Week Magazine
Your local newspaper's auto section
Local dealers

Online:

Consumer Reports
Edmunds.com - www.edmunds.com
Kelly Blue Book - www.kbb.com
NADA guide book - www.nadaguides.com

Now you have the right model in mind. You are ready to purchase a car. You now have a good idea of how much you should spend, how much you are willing to spend.
You go to the dealership and spend hours negotiating a price. After you have agreed to a price, the sales clerk asks do you have insurance. Because this is your first vehicle, the thought never crossed your mind. The sales clerk says you will not be able to drive the car off the lot until you have secured insurance. You get out a phone book and start calling around for insurance quotes. You get several prices and you are instructed that you must come to the insurance agency to fill out paperwork. You must then go back to the dealership and show them your insurance policy. This has been a long and stressful day.
Carinsurance.com is ready to help. How can you get the best deal on auto insurance?
Use carinsurance.com at the dealership and you will be able to purchase insurance and print your proof immediately (in available states). With carinsurance.com, you get to shop around and look for the best deal. Find out if you save with carinsurance.com when you get your auto insurance quote. In addition to great rates and reliable coverage, carinsurance.com offers tools and information to help you understand your auto insurance coverage better.
Whether you are a first time car buyer or a seasoned pro, carinsurance.com offers you the ability to shop for insurance in one easy website. Next time you are stuck at a car dealership, go to a computer, type in carinsurance.com and find the best rate without leaving the store.





About The Author


Erick Pace is a representative of CarInsurance.com. You can visit CarInsurance.com at http://www.carinsurance.com or contact them at 1-877-327-8728.
CarInsurance.com's online insurance marketplace gives an opportunity to consumers and to insurance companies. We offer the ability to shop for car insurance online.
Consumers can receive quotes from many insurance companies, in some states you are able to purchase your insurance instantly, online. You don't have to drive your car to buy car insurance. Buy online...anytime!

Common Mistakes Motorcycle Buyers Make When Looking For A Motorcycle Loan

by: Jay Fran

Whether interest rates are high or low or it’s the end of a model year with lots of incentives, motorcycle buyers tend to make the same mistakes when shopping for a motorcycle loan. Here are four common mistakes motorcycle buyers make with motorcycle loans.
Shopping for a motorcycle before shopping for a motorcycle loan.
Many motorcycle buyers enter the showroom looking for a motorcycle before they determine how much money a motorcycle lender is willing to loan to them for the purchase of a motorcycle. There is no need to shop for a $20,000 Harley Davidson motorcycle, if a lender is only willing to provide a loan amount of $10,000.

Additionally, once motorcycle buyers enter the showroom slick salespeople often pressure them into motorcycle loans with much higher internet rates than they could have gotten had they shopped for a motorcycle loan at a bank, credit union or online. Salespeople do not like motorcycle buyers to leave the dealership to get a motorcycle loan. In the salespersons mind this only increases the chance of loosing a sale and commission. Therefore, salespeople frequently try for a quick sale which normally results in pushing motorcycle buyers to get motorcycle financing at the dealership.

The bottom-line is that it is always best to shop for a motorcycle loan before entering the showroom.
Diving into the unknown motorcycle loan.
Motorcycle buyers often jump into motorcycle loans that they do not completely understand or may not be the best alternative for them. For instance, in today’s age manufacturers frequently run credit card motorcycle loan promotions on their private-label credit cards. But these promotions typically offer a low interest rate for a short term like 12 or 24 months and have a much higher interest rate after the short promotional term. On a credit card promotion if motorcycle buyers can not afford to pay off the loan during the short promotion period, then they are typically better taking a slightly higher interest rate on an installment motorcycle loan for a longer term.
Borrowing too much.

The most common mistake the first time motorcycle buyer makes in not having a clear sense of how much motorcycle they can afford. This is especially true for young motorcycle buyers who look to buy the top sport bikes that cost up to $10,000 - $15,000. What they fail to realize is that financing a $10,000 - $15,000 motorcycle can stretch them to thin, resulting in them having little cash to enjoy themselves and the motorcycling lifestyle. They may also have too little cash to pay for insurance, maintenance, registration or new accessories for their motorcycle.
Not asking the right questions.
The first warning sign that motorcycle buyers should see is that if they do not understand the type of motorcycle loan, then they should be sure to ask a lot of questions.
Here are some good questions to ask:

Is the interest rate fixed or variable? If fixed how long will it be fixed for?
Are there circumstances that can make the interest rate on the motorcycle loan change in the future?
What happens if a payment is 30 days late? Does the interest rate increase?
What happens if a payment is 60 days late? Does the interest rate increase?
How long is the term on the motorcycle loan?
If the loan is an installment loan, does it use rule of 78 or simple interest? (Simple interest is always better because it does not penalize the motorcycle buyer if the loan is paid off early.)
What is the down payment requirement to get the motorcycle loan?
Is full coverage insurance required?
How much is registration and are these fees included in the motorcycle loan?
Are there any administrative fees to get the motorcycle loan and if so how much are the fees?

Overall, motorcycle buyers can avoid these common mistakes by spending a little extra time focusing on shopping for a motorcycle loan and asking lots of questions.
Copyright (c) 2004, by Jay Fran
This article may be freely distributed as long as the copyright, author's information and an active live link to http://www.motorcycle-financing-guide.com is published with the article.
A complimentary copy of any newsletter or a link to the site where the article is posted is greatly appreciated.


About The Author

Jay Fran is a successful author and publisher at http://www.motorcycle-financing-guide.com. A comprehensive resource on how to have the best experience and get the best deal on motorcycle financing, bad credit motorcycle loans, high risk motorcycle loans and motorcycle buying.

How To Escape a Speeding Ticket By Getting Away With A Warning

by: Ron B.


Learn the tips on how to act when stopped by a police officer and what to say to increase your chances of getting away with a warning and not being ticketed. If you want to save yourself from the worries and expenses of dealing with a speeding ticket then after reading this article you'll know what to do when stopped by an officer.
If a police patrol car pulls up behind you with lights flashing, the key to the next few minutes is keeping things safe for you and the police officer. Slow down and carefully pull over to the right shoulder, making sure to use your turn signal.

If you are uncomfortable stopping in a relatively unpopulated or unlighted area, slow down, turn on your hazard lights and indicate by a hand signal that you are going up ahead. Then pull over as soon as you get to a more populated area. Police officers understand this concern.
If it's nighttime, turn on your dome light once you have stopped. Stay in the car, unless you are told to get out. It's a challenge to the officer when you get out since officers are very cautious because of the high rate of attacks in these situations.
Roll down the window and keep your hands in view on the steering wheel. If you have to get your driver's license, registration or insurance card from the glove box, a purse or other enclosed area, tell the officer before you do it.

The key is to play it cool and keep it safe. The easier and safer you make the process for the officer to approach you the more likely the officer will let you go just with a warning and not assign you a speeding ticket.
Now what to say to the police officer?
Of course the process of keeping it safe for the officer is only half of the game. Next you have to persuade officer to let you go with a warning.
The first thing the police officer will ask you after stopping your car will probably be whether you know why you have been stopped.
Police officer will want you to admit that you were speeding and that is what most drivers do - they admit that they did actually speed and they receive a speeding ticket for it. A speeding ticket not only costs them $150 but you are also dealing with your insurance premiums.
Most people get pretty nervous when they got stopped by an officer. The secret is to stay calm, speak to the officer in respectable tone and politely ask whether the officer can let you go with a warning.

The first question the officer will probably ask is whether you know why you have been stopped. You basically have 3 things to say:
1) Admit that you were speeding. The good side is that you are being honest and the officer appreciates it. You may have a chance that the officer will let you go with a warning.
The bad side is that if you get assigned a ticket and you had admitted that you were indeed speeding then it will be used against you at court. Officers usually take notes on what you say. So if you feel that you will get assigned a speeding ticket then you really shouldn't directly admit that you were speeding.
2) Deny that you were speeding. This approach usually creates tension between you and the police officer. If you don't have a reasonable argument to convince the officer that you weren't speeding then you will get assigned a ticket.
The good side for this approach is that you will have more chance to beating your speeding ticket at court, since you didn't admit that you were speeding.
3) Don't admit that you were speeding but neither deny it. This approach may actually be the best one. When the officer says that you were stopped for speeding you can say: "Oh, I see…" and then you can, in a respectful voice, give an excuse to an officer that you didn't notice your speed bar or was too tired after work or any other excuse that doesn't sound right downright lies.

You can learn a lot more of effective tactics to on how to persuade a police officer to let you go with a warning and successfully beat the speeding ticket at court from:
http://www.beatingtheticket.com/course/


About The Author

Ron B.

BeatingTheTicket.com offers advice on how to successfully beat speeding tickets. If you have been caught speeding, assigned a ticket or just want to make sure you do not get one then visit http://www.beatingtheticket.com and find all the information you need on how to beat speeding tickets.

7 Easy Ways To Slash Your Auto Insurance Costs

by: Neil Stelling

The law requires you buy auto insurance. So if you must get cover, how can you reduce costs ? Here's 7 easy ways to get the best possible auto insurance deal.

* Multiple Quotes
Get multiple quotes - use the internet and call a few brokers. It's easy to gather some good comparison quotes.
Remember to get different types of quotes e.g one from a direct-sell insurance company; another from an offline broker who keeps a database of quotes; and a couple from the internet.
Cheapest might not mean best. Will they pay out if you make a claim ? How financially secure ? How reputable ? Check around with family and friends, and look for online reviews.

* Different type of car
Insurance costs vary depending on car type. Obviously, that $100k sports model costs more to insure than your average runabout. If you're planning to buy a new car, check insurance costs before you buy. I once set my heart on a beautiful, high performance, highly tuned Pontiac.
Luckily I checked the auto insurance before I bought it, because I couldn't get insurance. Every broker, every insurance company flat turned me down because I lived in a high car-crime area. So I had to forget the car of my dreams until I moved up-town.

* Age and Value of Car
Maybe you're buying a used car ? Maybe your car saw better days a few years ago, and now values much lower ? So why pay for high-priced auto insurance ? In particular, do you still need fully comprehensive coverage ?
A good rule of thumb multiplies insurance premium by 10, and compares that figure with your car value. So if you're quoted $1000 premium and your car is worth less than $10,000 you may want to think if comprehensive represents good value. If you drop collision and/or comprehensive coverage, you should get big savings.

* Higher deductibles (excess charges)
Most auto insurance companies use deductibles to keep policy cost down. Deductibles, or excess charges, show what you pay before your auto insurance policy kicks in. Try requesting quotes with different levels of deductibles, and see how your quotes vary.
Most internet quote forms contain a box where you can specify preferred level of deductibles. Ask your broker his recommended level. For example, going from $250 to $500 deductible can slash your insurance costs by 20% or more. Go to $1000 and you save a lot of money. But you must pay the deductible if you need to make a claim !

* Multiple Insurances
I guess this might come under the 'Get Multiple Quotes' heading, but it's still worth mentioning separately. You usually get an insurance break if you buy multiple policies with the same insurer.
This might mean multiple vehicles, or homeowner and auto insurance. Either way it's worth asking about multi-policy discounts.

* Low Mileage
More and more people work at home. No more commuting. Fewer business trips. Low mileage on your car. Maybe you do travel to work, but car pool ?
Either way, look for low mileage discounts.

* Good Driving Record
A good driving record always reduces your auto insurance costs. Keep a clean drivers license. Don't speed, don't drive dangerously, and you'll save money (apart from other benefits !)

* Bonus Tip
Okay, I said '7 Ways...', but here's some extra tips. Fit anti-theft devices to your car. Go on an advanced driver training course. Use daytime running lights. If you're a college student away from home, consider adding to parents policy.
This short article covers the things you must consider when shopping for auto insurance. Follow these tips and you'll slash your auto insurance costs.
© DigiLectual Inc. 2004

http://www.autoinsurance--quotes.com/

Discover valuable information and tips to help slash your auto insurance costs.

Go ==> http://www.autoinsurance--quotes.com/
** Attn Ezine editors / Site Owners ** Feel free to reprint this article in its entirety in your ezine or on your site so long as you leave all links in place, do not modify the content and include my resource box as listed above.
If you do use the article please send me a note to neil@autoinsurance--quotes.com so I can take a look. Thanks. Check out other great articles at http://www.autoinsurance--quotes.com/articles.htm






About The Author


Neil Stelling is Marketing Manager of New York based, DigiLectual Inc.

Why Become A Truck Driver?

by: Joe Regan

There are a great number of good reasons for someone to become a truck driver. First and foremost among those reasons would be the great pay. Did you realize that most truckers, their first year out on the road, earn an average of $35,000 a year? And, that after just a few years out, those same truckers are making an average of $45,000-$50,000 annually? And finally, veteran drivers who own their own trucks make average salaries that are over $100,000 a year. What other profession can you get into, where the pay is that good?

One other great reason to get into trucking…….. is the chance to see some of this great country of ours. How many states have you been to? Are you one of those people who haven’t been to very many places? Well, get into trucking and you will have the opportunity to explore America. See why most people consider this to be not only the greatest country in the world, but also the most beautiful one as well. What other country has sights like The Grand Canyon, Yellowstone Park, the Great Smoky Mountains, the Pacific Ocean, the Gulf of Mexico, New England in the fall, and so much more? Want to explore America? Become a trucker.

One other great thing about being a trucker is the camaraderie that you feel with your fellow truckers. It’s a special bond, much like the bond that people who are in the military feel. You and your fellow truckers know that you are doing a job that is vital, Vital for the country. For without trucking, we would be in a heap of trouble. Do you have any idea how many products that you use, that are delivered by truck? The percentage of products delivered by truck is around 78%. So think about something that you use (car; food; pharmaceuticals; etc.) and there’s a really good chance that it got to you, by truck.

Trucking is not an easy job. I won’t try to make it seem like it is. For one thing, you’re away from home a lot. But even that, you do have some control over. For example, if you’re the type who likes to be home quite a bit, there are truck driving jobs where the drivers are home every weekend, and in some cases, there are trucking jobs where the drivers are home every night. It must be noted though, that some of those jobs don’t pay as well as the long haul jobs do.
Is trucking for you? Only you can decide that. If you think that it is for you, the first step is to enter a truck driving school. There are great schools located in every region of this country.


About The Author

Joe Regan

Find a Truck Driving School near you. http://www.bubbajunk.com/
You may reproduce this article as long as the authors name and link is provided.