finance
Car insurance is required by every state with the only difference being the amount of coverage required in each area. The main purpose of automobile insurance is to protect you and your family in case of an accident that you may have caused or been involved in as a result of someone else’s negligence.
The state of Texas requires their drivers to purchase the minimum amount of liability coverage while driving on the highways and byways in Texas. Other forms of coverage are also available and may be beneficial to protect you and your family even farther.
If you still have an outstanding loan on your vehicle the lending company requires that you maintain adequate coverage for the vehicle until it is paid in full. If you do not provide proof of this insurance, the lending company will put an insurance policy in place and charge you for it in addition to your monthly car payment. The lender is not going to shop around for the lowest prices for you so make sure you maintain this coverage and are able to provide proof to the lender.
The limit on bodily injury is the most that your insurance company will pay out if you were to cause bodily harm to someone or even death from the effects of an accident. The property damage limit is the most that your insurance company will pay for damages to another person’s car or property through an accident that you are responsible for.
There are many factors that come into play when an insurance company is determining the cost of your policy. The state that you live in, your age, driving record, and even where you park your car at night all has a bearing on what you are going to have to pay for your car insurance.
Make sure that you check with your insurance professional about any discounts that may be available for being a safe driver, or completing an approved drivers education class or even just for being a loyal customer for the past three years.
There are so many different areas of coverage that can be affected by some small precautionary measures on your part. Anti-theft alarm systems, anti lock brakes and passenger side airbags all contribute to the safety of your vehicle.
You should go over your current car insurance policy with a professional agent who can show you where you will get the most effective coverage for your insurance premiums. You need to customize your policy for your specific needs – one policy does not fit all.
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(ARA) – We can all learn from car enthusiasts who show their vehicles competitively. They know that the final finishing details can make all the difference, in appearance as well as prizes. And that’s why they always take a few minutes to ensure the glass is streak free, there’s no surface dust or lint, and the tires are clean and shined.
There is more to tire care than just cleaning. Sure, when you wash your car, you may spray down the tires with the hose. Next time, instead of leaving it at that, why not take a little more time to make your tires look like new?
Before you rush out to your local auto supply store, you should know that not all tire care products are created equal. Many products on the market require users to spray them on, wait until the formula runs, drips, or foams, and then wipe the product all over the tires.
But there is an easier way. More Shine from Stoner, the car care experts, is an easy-to-use aerosol spray that provides a long-lasting shine. The proprietary high-active formula gives tires a deep, dark, showroom look with an even gloss. Because you just spray and go, you can shine four car tires in 60 seconds. Use one coat for a satin finish, two coats for a high gloss shine.
Many tire coating products drip or foam, leaving a mess in your driveway and streaks on your tires. More Shine’s wipe-free aerosol technology eliminates puddles in the driveway, as well as wiping, rubbing, messy rags and dirty hands. While the ingredients in some tire shine products can actually attract dust and dirt, More Shine repels water and waterborne dirt. One application lasts for weeks, since More Shine doesn’t contain water or surfactants (soaps) that evaporate and wash off easily in the rain.
H. Seymour of Seattle, says, “Needless to say it rains here . . . lots. Unlike the auto store tire sprays that wash off with the first road wetness, More Shine really lasts. What’s more, it gives my tires a real ‘new tire’ look and not some shiny, plastic, tacky look like other sprays.
Stoner has been developing and manufacturing car care products for professionals for more than 25 years. Now consumers can get the same high-quality results demanded by detailing professionals, show car collectors and finicky auto enthusiasts.
So the next time you wash your car, don’t forget to shine the tires while you’re at it. After all, you wouldn’t dress up for a wedding in a tuxedo, and then wear tennis shoes. Why only dress your car halfway?
To see the complete line of Stoner Solution auto products, visit www.moreshine.com. Courtesy of ARA Content
Find out about the Nissan Electric Car. The Nissan Leaf is the first of the practical electric vehicles…one that you can afford.
Unlike the electric cars of the 90s like the GM EV-1, the Leaf is being sold directly to consumers.
Unlike the Tesla Roadster, the Leaf’s price tag is in line with traditional vehicles.
Unlike the Chevy Volt, the Leaf completely eschews internal combustion power, even as a backup. The Nissan Leaf is the first of a long-promised wave of usable, practical electric vehicles.
So, is it really the car that will finally replace the combustion engine?
The Good
The Nissan Electric Car, The Leaf is a real car. It has air conditioning, heating, and power everything. Unlike many hybrids, the brakes feel normal and the rear seat folds down.
The car is also able to do some things regular cars can’t. Without a combustion engine, the car is quieter than most luxury vehicles. Electric motors make peak torque at 0 RPM which means power is always instantly available and hill climbing ability is better than a diesel. The transmission is just one gear, so there’s no shifting to deal with. It takes 8 seconds to go from 0 to 60 mph, but the power is so effortless that it feels faster. Best of all, traditional maintenance like oil changes and tuneups aren’t needed with an electric motor.
The Bad
The Nissan Leaf is the first electric vehicle on the U.S. market to offer fast charging, combine high voltage lines with careful battery monitoring to recharge the vehicle in about an hour. However, Nissan decided to use the Japanese ChaDeMo system. It looks like the SAE Stage 3 charging system will be come the fast-charing standard in North America limiting current buyers to quick-charge stations at a handful of Nissan dealerships.
Range is only 100 miles. Although drivers will be able to charge their vehicles nightly to prepare for commutes, road trips are out of the question.
The Leaf is built at Nissan’s Yokohama plant, which was damaged in the recent earthquake. The company had planned to expand the availability of the car by adding production to their factory in Smyrna, Tennessee at the start of 2012, but production delays mean that current reservations may no be fulfilled until this comes on-line.
The Verdict
The Nissan Electric Car. Is it a direct replacement for gas-powered cars? No. However, for most people who need a second car it is ideal: Comfortable driving along with low fuel and maintenance costs make for a vehicle that’s worth buying on more than its green credentials.