Going for Good Auto Insurance

There are only a few states that still implement the no-fault regulation, meaning there will be payout even when you are liable for accidents or property damage. Another strange thing is the fact that insurance company can cancel your policy for various reasons for examples serious traffic violation or felony, repeated offenses, DUI, lapses, and more.

If you insurer issues a termination or cancelation of your policy, it is possible that you are now a high-risk driver. For such driver, possibility to get another insurance coverage is very low. A good way to acquire coverage is by purchasing it from the non-standard insurance market.

What is the high-risk driver?

There are more than several ways to define what high-risk driver means. Some insurance companies just use the term to represent a particular type of drivers who do not meet the requirements to get an insurance policy. However, requirements to get insurance vary from company to company. The term can also refer to drivers who have a bigger chance of getting into accidents due to physical or psychological limitations such as reduced visibility and lack of experience.

Someone with multiple traffic tickets is probably high risk too. High-risk drivers are those with strong tendency to file claims. For standard market insurers, more claims mean more payout, and this is not a real business.

While it is hard to figure out a definitive description of high-risk driver, there are some common reasons why someone is classified as high risk:

Having a Traffic Violation: committing a serious traffic violation puts a bad score on your driving record. A violation or involvement in an accident that causes death, or severe injury is a significant factor in high-risk classification. Some insurance companies offer additional coverage to waive single violation for a fee, but some other insurers do not have such feature. If there is no way to waive a violation, chances are you are now officially high risk.

Being a Teen Driver: most people start to drive as teenagers. When applying insurance for the first time, some companies will regard you as a driver with the lack of experience on the road. With not enough experience, insurers are reluctant to provide coverage.

DUI: this is a serious violation in most states. Driving under the influence of alcohol or drugs is dangerous for yourself and other people. It opens the door for reckless driving, and serious consequences including severe injuries in case accident happen. A driver with DUI record is not likely to get insurance from the standard market.

Bad credit score: as unfair as it may seem, some insurers use a credit score to determine application approval. Bad credit score has correlations with the possibility of missing an insurance payment. This is not the ideal customer.

High-risk cars: particular car models including sport, antique, supercars, and collectibles are expensive to repair. They are also a potential target of theft, rendering them high-risk insurance customers.

Non-standard Insurance Market

If a low-risk driver can purchase insurance from the standard market, the high-risk ones can acquire the same thing from the non-standard counterpart. In many cases, the non-standard market is more expensive, but it does not mean that high-risk drivers cannot get affordable coverage. As a company that focuses on the non-standard market, Good to Go Auto Insurance still offers a broad range of discounts and several payment options to make your expenses more manageable.

There are three types of cuts including Driver Discount, Vehicle Discount, and Policy Discount. Each category includes various offers, allowing for more than 40% of discounts on premium fee. Good to Go Auto Insurance has three payment options including monthly installments, quarterly payments, and annual payment, which comes with 31% discount. Most types of discounts from the company require only simple eligibility requirements for examples completing the defensive driving course, installing safety features on the car, activating text blocking device, and some other necessary details. For customers who own dwelling place on their lands, there are homeownership discounts.

Another interesting fact about Good to Go Auto Insurance is that it works within a network of subsidiaries of American Independent Companies, Inc. The branches cover most states in the country and Good to Go Insurance makes sure that your coverage complies with state’s laws regardless of where you live. Quotes from Good2Go Insurance are available for free and accessible from the official website of the company.

Although Good to Go Auto Insurance is popular for its non-standard coverage, which is often associated with state’s minimum coverage requirements, optional coverage such as Comprehensive and Collision are also available. Good to Go Insurance recommends that you also purchase both additional coverage types for better protection on the road. With the amount of saving you can get from the available discounts, adding more protection is still a manageable expense.

What Do I Need To Sell My Car What If My Registration Has Expired What If I Still Owe Money On It

What do I need to do to sell my car?

The time has come for you to sell your car and, naturally, you’ve got questions.

There are a few obvious ones –

What documents do I need to sell my car?
Can I sell my car if the registration has expired?
Can I sell a car on which I still owe money?

These questions may seem daunting, but in actual fact, the answers are fairly straightforward.

What documents do a need to sell my car?

The single key document you will need is a proof of ownership. Obviously, the state and the dealer will want to know that you are the owner of the vehicle and that you do, indeed, have the right to sell the car. The document you are most likely to have to hand is the title. If you have this, it’s easy to just sign it over to the dealer. The dealer will also have all the forms to accompany the sale of a car using the title. If you do not have the title you must visit any DMV office and apply for a duplicate title by completing a Vehicle Registration/Title Application.

You’ll also want to accompany the proof of ownership with an original bill of sale. This can take almost any form, as most DMVs do not supply official bills of sale. It needs to include the name of the buyer and the seller, the VIN of the vehicle in question, the date, the make and model of the vehicle and the price.

If the car is currently registered, youll want to bring the registration documents with you. Once you have finalized the sale, make sure to remove the license plates and the registration sticker. That way you will not be liable for tickets the next owner may get.

If the car is paid off, youll want to have the lien release document. This is a document sent by the lien-holder (usually a bank or finance company) once the car is paid off. It notes to VIN and the date of the final payment and officially releases the car from the lien. You can still sell the car if there is money owed on it (see below)

Almost all other paper work related to the sale of a car can be provided by the used car dealer.

Can I sell my car if the Registration has expired?

Yes.

If the car is not registered or you cannot find the registration, a visit to the DMV will help. There you can get a Vehicle Registration/Title Application, or a Certification of Registration for Transfer of Non-Titled Vehicle. You could also use an original Affidavit of Sale or a Manufacturers Certificate of Origin. In some situations you can use an expired registration certificate.

Each state is has different rules about the finer points, but the answer to the question is yes, you can sell an unregistered car or a car for which you do not have the tags. The dealer will be able to help you figure out exactly which form you can use.

Can I sell a car on which I still owe money?

Yes.

The dealer will arrange to pay off the money due on the car. This money will be deducted from the amount given to you for the car. Thus, if you agree on a price of $6,000 for the car and you still owe $4,000 on it, the dealer will pay you $4000 and give you the remaining $2000. Youll need to bring along the paperwork relating to the loan if you can. The payments coupon book will do, or at a minimum, you need to know that name of the institution which is financing the car. They will be able to look up the car by the VIN and then figure out the exact amount due.

Of course, the amount will be less than the figure in your coupon book. Thats because you will be paying it off early and therefore paying less in interest. Cars which are still on lease are handled in much the same way. This is one of the great advantages of selling your car to a used car dealer. Because this is all they do, they are experts in doing business with the financiers and are able to get the paperwork done much more quickly. Often, when it is time to sell your car, the whole transaction can take as little as fifteen minutes.

A long-time New York used car dealer has a useful article about when it’s time to sell your car. Most reputable dealers will make sure that everything is in order before you walk out, but this checklist will help you get to that point.

Car Insurance for Your BMW i Series – Introducing Packages from BMW Insurance

BMWs are often expensive and fairly prestigious vehicles to own, so you will likely want to make sure that you take out a suitable insurance policy to protect your purchase. BMW itself also provides a range of financial services, including insurance products designed specifically with BMWs in mind. While you will likely be able to find cheaper insurance packages elsewhere, particularly if you use the price comparison websites, taking out an insurance policy with BMW itself presents a number of advantages.

BMW Insurance currently offers several insurance policies designed exclusively for BMW vehicles. Alternatively, if you want to find the cheapest car insurance for your BMW, you may want to take a look at any of the financial comparison websites to get quotes sent to you online. With any insurer, premiums will vary depending on a number of factors, such as the insurance group of your car, your age and level of experience, where you live and what you use the car for.

The following takes a look at the policies specifically tailored to the BMW i range of cars. These include all modern electric cars manufactured under this sub-brand since 2011. BMW provides similar policies for all of its other new cars.

BMW FlexiMile Insurance

These policies are available exclusively for all electric BMW vehicles. These policies allow you to save a considerable amount of money on your insurance premiums due to the fact that they are based on low annual mileages up to a maximum of 5,000 miles. Using a special device installed for free in your vehicle, your distance travelled will be tracked, and you will be kept up-to-date on your mileage. The policy is completely flexible, so you will not actually need to restrict yourself to driving less. However, any extra miles will mean added costs to your insurance premiums, since you will be charged on a per-mile basis. For those who do not drive very much or plan to use their BMW only as a second car, these policies can save you quite a lot of money. Others may find it more cost-effective to switch to their standard comprehensive insurance policy.

7-Day Complimentary Insurance

This policy is a comprehensive one offering coverage for third party liability, theft, fire and damage. This policy is available to any BMW cars of the ‘i’ series. This policy allows you to get coverage for your car on the day that you buy it. It is primarily available through BMW dealers themselves, and as with all of their insurance policies, it is underwritten by Allianz Insurance.

BMW Shortfall Insurance

This insurance package provides comprehensive coverage whereby you will be paid the full amount you paid for your car in the first place in the event that it is written off in an accident. BMW Shortfall insurance is the company’s premium car insurance package, tailored to minimize the financial risk taken on your part. You can choose your own level of coverage, and the policy will pay any difference between the settlement figure and the invoice price of the vehicle. If you purchased your BMW on finance, the policy will pay the outstanding finance amount instead.

The Benefits Of Using Rebuilt Engines

Many vehicle owners may be unaware it is not always necessary to buy a brand new engine when the old one in their car fails to work. As in clothes and furniture, there are also second hand engines that although may not have the newest parts can still perform its needed functions. These are the so-called rebuilt or remanufactured engines.

Rebuilt engines are those that have been dismantled, checked, cleaned and their parts repaired or replaced for upgrading purposes. Using this type of engine known as repowering is less expensive compared to purchasing a new engine or vehicle and it can even lengthen your cars life if you choose the right one for your vehicle. Some parts may still be the original or they can be slightly used or they can also be brand new. Whats important to remember is to always ask for a warranty from manufacturers. Others may provide a certified staff and checks on used engines or a combination of both.
Involved in the process of rebuilding engines are the reforming of the piston-cylinder system, smoothing and lubricating of all bearings, regrounding of crankshaft or camshaft and connecting of rods that have been gauged. Replacement of other parts including the timing belt and gaskets may also be needed.

A big advantage of using rebuilt engines is its low cost despite the intensive labor that went into manufacturing it. There are many online vendors these days that offer cheap rebuilt and used engines or motors of various brands allowing vehicle owners to gain sufficient savings. Among the popular brands that are in demand are the Ford engines as well as those from Japanese-made vehicles such as Toyota and Honda.

Another benefit of rebuilding engines is the fact that they are now able to meet the latest original equipment manufacturer (OEM) specifications. With improvements in OEM specifications different from the original, your engine has a good chance of running smoother and more efficiently than before.

In line with this trend of using rebuilt engines, the Automotive Repair Council (ARC) is taking steps to inform consumers about the advantages of installing a rebuilt engine and availing of machine shop services instead of buying a new or used vehicle or using a used engine. The council advocates that using a remanufactured engine is as good or even better than the original one. It is now distributing copies of its 16-page consumer booklet to its members in various states while providing relevant information on its website.

If youre one person considering using rebuilding engines or rebuilding your existing engine, Low Mileage Engines can help you. This company sells only certified remanufactured used car and truck engines both domestic and foreign models to include Chevrolet, Cadillac, Audi, Hyundai, BMW, Jeep, Toyota, Nissan and Lincoln. Low Mileage Engines supplies engines with verified mileage via the Carfax mileage verification.

In-car Dvd Player Options

Of all the technology options you can add to your car, the one that knows no age limits is the in-car DVD player. With one of these devices onboard, kids who get fidgety 30 minutes into a 300-mile trip no longer mind traveling by car, and parents can concentrate on driving — or having an uninterrupted conversation.

According to the install position, there are six main styles which popurlar in the market today, Flip Down DVD Player, Sunvisor DVD Player, In Dash Car DVD Player, Portable DVD Player, Double Din Car DVD Player and Headrest DVD Player. Then let me inform the pros and cons one by one as follows.

Flip Down DVD Player

It also being called Car Celling DVD Player, Roof Mount DVD Player or Overhead DVD Player. According to these name, do you know its install position now? Yes, it should be hanging on the top of car. Therefore, it requires a large space in your vehicle. Usually it is rarely used in a small car. Most of them are installed in commercial vehicles such as MPV. So small and economic car models are excluded.

Sun Visor DVD Player

Like its name, the display of this DVD is in the sun shield of car. The size and thickness of the sunvisor display may be different with the original in your car. So the beauty and the outcome will be a little lacking for this entertainment system. While they are normally less costly than other dvd players.

In Dash Car DVD Player

The in dash DVD player have vary size from 4.3 inch to 7 inch. They are space-saving and usually replace the original radio or CD player in your dash. When not use, the screen can be hidden in the body host or can be removed according the style, which can protect the LCD screen from wear. Most of in dash DVD player are intergrated with GPS Naivgation System, Bluetooth or Digital TV functions in the market today. As the screen is small, the rear passengers only can watch it hardly. While the video signal can be sent to back-seat screens. But the DVD can’t be used when the car is moving, though the navigation system can be used.

Portable DVD Player

It looks like a laptop computer, but it plays only movies, CDs and MP3 CDs. These players come with two headphone jacks and power adapters for use in cars, as well as at home and in hotels. Screen sizes range from 7 inches to 12 inches (provides comfortable viewing for two people). Many portable players sell for under $150, and they also can be used in a hotel, at home, and on a train or plane. Battery life is not an issue, as the player can be plugged into the car. While the device could fall to the floor during a sudden stop. So for safety, buy an unfolding travel case that straps to the front seats and secures the player.

Double Din DVD Player

It is the most popular DVD player in the market today. Like many original DVD players which come together with the new car, its display is the same size with DVD host. In a way, it beautifys interior environment of vehicle, and also with every nice visual effect. It is generally used for luxury vehicle.

Headrest DVD Player

Because watching TV while driving is not permitted by law, the headrest DVD player which be installed in the head of front seat seems safer. A headrest entertainment system handles more than just DVDs. It can also play audio CDs, MP3s burned onto discs and photos burned onto discs. In addition, there’s a connection for a game console or portable video player such as an iPod Video.

Of the 17 million vehicles sold in the United States annually, about 1.5 million come with rear-seat entertainment systems. And RSE systems are added to another 1.2 million vehicles each year, according to Phil Magney, president of Telematics Research Group, which provides intelligence on the automotive and mobile electronics industries.

Rear-seat entertainment systems can cost as little as $100 for a portable player held in your lap to $3,000 for a pimp-my-ride system with multiple screens. All the systems can provide DVD entertainment for two or more people. The differences involve who provides the player, how many screens are used and how the system is installed.

Which kind of entertainment system should you choose for your vehicle? That depends on your requirements, your budget and your kids.