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!

How To Make Money With Used Cars!

by: C.L. Spartalis


One of the most important purchases consumers make is a car. The average consumer purchases another car every several years. With the High Cost of new cars millions of people are opting to purchase affordable used cars.
There is a Massive opportunity to earn an excellent income. Help fill this high demand for quality used cars at affordable prices. When starting out you should focus on cars under the $4,000 range.

Do some research and find out what the most popular best selling cars in your area are. By staying in the lower price ranges with these popular vehicles you will be in a higher demand market since more people can afford these vehicles than higher priced more expensive cars, this will make it much easer to sell quickly for a profit.
You make your money when you buy, this is an important key to your success. You will need to pay wholesale price or below less the cost of any needed repairs, and other expenses ie: detailing, newspaper ads, etc. Once you know the wholesale price, less repair costs and expenses, you will know how much you can pay for a car. If you buy it right you wll be able to sell it at a profit and still give the buyer a great deal.

One of the most important things you can do to purchase a used cars at bargain prices is to do your homework. You should check your local classified ads and see what the asking price is for the type of vehicle that you are in the market for.
Make sure to get the high and low Blue Book and wholesale prices on the vehicle that you are interested in. Here are some excellent sources for getting pricing:
NADA GUIDES - www.nadaguides.com
KELLEY BLUE BOOK - www.kbb.com
EDMUNDS - www.edmunds.com

Other resources to check with is CARFAX. They can supply you with the vehicle history report. The National Highway Traffic Safety Administration has a research area to check recall history on cars. We recommend that you have the vehicle you are interested in purchasing be inspected by your own mechanic prior to purchase.
Newspaper Classified Ads are an excellent place to find cars at well below retail prices. Many of these people will be happy to sell their used cars for several hundred dollars more than what was quoted by the dealer and you will end up with an EXCELLENT BUY!
Online Auctions can be a great place to find bargains. You can shop right from the comfort of your own home. Look for auctions with no reserve, these auctions don’t have a minimum price before they will sell.

Public Car Auctions are open to the general public and do not require you to have a Dealer’s License. Public auctions can be an excellent place to purchase cars at wholesale prices. Some of these auctions are: Auction Repossessions of Credit Unions, Banks & Lending Institutions. Some public auctions also auction Police and Local Municipalities, City, State, & County vehicles.
Estate and Bankruptcy Auctions can be a very good place to purchase vehicles at wholesale prices. These auctions are usually advertised in newspaper classified section or handled by Probate Estate Auctioneers.
Government Auctions are an excellent source for bargin vehicles. They include vehicles from DEA drug raid seizures, FBI, IRS, U.S. Customs Auctions, Department of Defense, General Services Auctions, Resolution Trust Corporation, Department of Housing and Urban Development, and U.S. Postal Services.

Rental Car Companies often sell their fleet of cars by auction. They can be a great source of cars. Contact these large companies and inquire.
Dealer Auctions can be one of the best sources to cars at below wholesale prices. Most of these auctions require that you have a dealer’s license. These auctions include lease cars, trade-ins, rentals, and fleet vehicles.
Stay away from used cars that need major mechanical repairs or body work. Look for good, dependable cars, if the pait is a little dull or the rug is dirty, you can detail, polish and wax the car and clean the carpet. Replace the floor mats if needed. By doing a few hours of work, you can make your car worth hundreds or even thousands of dollars more. By having a clean care, inside and out, you will attract more buyers that will be willing to pay you top dollar for your car.

When your car is ready to sell, you can place and ad in your local newspaper's classified section, or you can place your ad on the internet and reach a wider audience. CARS.COM and AUTOBYTEL.COM has a lot of traffic and is enexpensive. Selling cars through online auctions has also become very popular. It has become one of the easiest, fastest, and most cost effective methods to reach your target audience of hundreds and even thousands of people looking at your car. EBAYMOTORS.COM or AUCTIONYOURAUTOS.COM are both online auction sites.
Most states require that you have a Dealer's License when you buy and sell vehicles for profit. Check with your states Department of Motor Vehicles or Department of Public Safety for more information on how to obtain a Dealer's License. It is important to consult with your attorney, insurance agent, accountant, and other government officials to determine what permits, licenses, records, insurance policies, etc., are required.





About The Author


C.L.Spartalis is the publisher of The of How To Turn Used Cars Into Ca$h With Your Computer. No Inventory Required.
www.turnusedcarstocash.com/home.html

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.

Fraudsters Target Online Car Sales

by: Jim Limerick

There is a growing car shipping scam on the internet which has been targeting sellers of cars, boats, motorbikes and other single high value items, even horses !
We first came across this in January when we were approached by a car dealer in Australia who had been directed to a website purporting to be 1st Move International's car shipping site.
Car Shipping Scam: The hook
Fraudsters had copied aspects of our site and were advising potential victims that they would buy their vehicle and ship it via their approved shippers, pointing the victim to this so called shipping site which they had published themselves.
Once the seller had been "hooked" the fraudster then sends a cheque to the seller for the cost of the vehicle and, very kindly, includes in this payment the costs for shipping the vehicle overseas.
Car Shipping Scam: The Con.
Say the car is being sold for £ 4000.00 and the shipping costs are £1000.00, you, the seller, get a nice little cheque for £ 5000.00 which you duly bank. The bank may even advise you that the funds are in your account, cleared and safe.
Car Shipping Scam: The Sting.
Within a few days you will be asked to send a slice of this money to the shipping agent in order to pay for the shipping. ( the shipping costs of £1000.00)
You are requested to send this money by Moneygram which you do as you have been paid.. This Moneygram is untraceable and cashed immediately.
Meanwhile your bank tells you 10 days later that the original cheque has bounced and promptly takes the money out of your account.
You have just been conned. For £ 1000.00 !
Good advice.
Always, always, get your bank to confirm, in writing, that funds have cleared, are available for use and cannot be taken back from your account. Be cautious of overcomplicated transactions involving shipping agents, business partners, middle men and so on, all designed to leave you seriously out of pocket, and the crooks with your cash.
As with all online transactions please check the credentials of who are you are dealing with. If it sounds to good to be true, then it normally is.
UK shipping companies, or Freight Forwarders, belong to the British International Freight Association (BIFA). You can check their site here: www.bifa.org. Better still why not call the shipping agent personally and check them out. They do a good job and will be happy to help and advise on all things shipping.
This article has been written by Jim Limerick, managing director of 1st Move International Removals (www.shipit.co.uk) and Autoshippers UK (www.autoshippers.co.uk).
Members of the British International Freight Association., Membership Number 1884
1st Move International Ltd.

International House

Chittening Estate

Avonmouth

Bristol BS11 OYB

Tel 0117 9828123

Fax: 0117 9822229

Email jim@shipit.co.uk


About The Author

Jim Limerick is the managing direct of 1st Move International removals (www.shipit.co.uk) and Autoshippers car shipping (www.autoshippers.co.uk). He has been in the shipping business for over 30 years. His companies arrange International Removals and worldwide car shipping services.

Two and Four Stroke Engines: Fast and Simple Answers

by: Daniel Levy

A few fast responses and facts about Two and Four Stroke Engines.
Many years ago when I got hooked by motorcycles, I started to hear a lot about two and four stroke engines... It seemed there were (and there still are) strong opinions in pro and con of each of the engine types.
As Internet wasn't available, and as I was worried about other aspects or motorcycle riding back then, I left that question unanswered for a long time.
If this is your case or if your are interested in these two kind of internal combustion engines, in the next few lines I hope to give you a few fast answers and some resources to get more in depth information.

Just keep reading...
Here are some facts about two and four stroke engines:

TWO STROKE ENGINES
Cycle - Two Strokes:
Compression (intake+compression)
Combustion (combustion+exhaust)

Take a look at the cycle in: http://science.howstuffworks.com/two-stroke2.htm
Advantages of two stroke engines:

The engine fires - spark plug ignites - once every revolution of the crankshaft.
They produce twice the power than four stroke engines.
They are much simpler than four stroke engines. Fewer parts to worry about.

Disadvantages:

You have to mix two stroke engine oil with gas, and depending on your consumption, this might be expensive.
They last less. Lubrication is not as efficient as in a four stroke engine with heavy oil.
Do not use gas efficiently.
Pollute more.

FOUR STROKE ENGINES
Cycle - Four Strokes:

Intake
Compression
Combustion
Exhaust

Take a look at the cycle in: http://science.howstuffworks.com/engine4.htm
Advantages of four stroke engines:

Last longer than two stroke engines
More efficient use of gas
Pollute less than two stroke engines

Disadvantages:

More complicated. Many more parts to worry about.
Half as powerful as two stroke engines (for equivalent engines)
Fires once every two revolutions.

If you want to learn more about two stroke and four stroke engines, take a look at the pages I mention above. You will find extensive information and diagrams that will solve all of your doubts.
Well I hope this gave you some basic information and helped you answer some FAQ about two and four stroke engines! :-)
Enjoy the ride!
Daniel Levy


About The Author


Daniel Levy is the owner and contributing writer of www.Japanese-Motorcycles-Only.com. He loves motorcycles and Web development. For more great info visit http://www.japanese-motorcycles-only.com.

Online Sales and The Auto Dealer

by: Cherie Szilvagyi

Auto Dealers are finding selling their vehicles online hit or miss at best. Auto Trader and Ebay along with Smart Auction from General Motors are offering some of the best options to an Auto Dealer. Why is it that less than 10% of the vehicles listed online are actually selling? There are plenty of companies offering solutions but none seem to be working on a consistent basis. What about the dealer with an internet department? Is he any more successful?
Internet selling has gotten to be big business for the local Auto Dealer. Large or small dealers have different needs but the same outcome. Selling successfully online is a necessary addition to their bottom line and overall sales numbers. Each and every dealer, no matter the size, needs to be able to sell effectively online.

The time and money that selling online costs the Auto Dealer can be a lot less than classic print, radio and television advertising. So why has the local dealer stayed away from selling online? Most are intimidated by a market that is selling less than 10% of the vehicles that are listed in a medium they do not understand.
Selling online needs an expertise that most dealers lack. Some dealers lack the size to handle supporting an internet department. There are companies out there that are offering a total solution to online sales. These companies can handle an effective, profitable internet department for each and every dealer, no matter the size.

A comprehensive internet strategy is needed to sell effectively online. A good consulting firm that brings expertise in auto sales, internet sales and technical computer skills. All of these skills are needed by the dealership to handle selling online effectively. When a dealer sells online effectively, profits and sales soar.
Accomplishing a comprehensive plan to sell online is being offered by very few companies in today’s market. What a dealer needs to look for is a consulting firm that is grounded in all three areas of online sales. Consulting firms that have Auto dealer experience, online sales experience and technical experience with building the software to accomplish an ease to selling online are necessary to meet the goal for the average dealer. These areas all need to be addressed to make a dealer self sufficient in online sales.

Dealers have found that keeping inventory fresh and up to date on their websites can be time consuming and not a profitable endeavor. Profitability in today’s market is essential to a dealer whether small or large. Online solutions are costly and hard to come by, but essential to a dealership.

Is there a solution? Hiring a company with auto experience, internet experience and technical experience is what the smart dealers are doing. Sell through ratios of these companies need to be checked and a company chosen that will effectively sell vehicles time and time again. There is a secret to selling online that major dealers and small dealers alike have found. To sell effectively online you need the right consulting firm to handle the details, leaving dealership personnel free to handle the sales. Sales are a given when the right online sales consulting firm is left to handle the management of online sales strategies. Hiring the right consulting firm for your online sales is essential to successfully selling online. These companies can accomplish positive online sales results more cost effectively than the local Auto Dealer.
Cherie Szilvagyi

www.automobileclearinghouse.com


About The Author:

Cherie Szilvagyi

17 years Auto Dealer experience, 3 years effective online sales experience, software programmer and CEO of www.AutomobileClearingHouse.com.
cherie@automobileclearinghouse.com

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.