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July 2013

Written By: admin on July 25, 2013 No Comment

Compulsory car insurance is a fact of life and insurers know it. Fortunately there is a decent amount of competition, which means that there are options for keeping costs down. Here are some tips to save your pennies.

Start saving early

There is one factor common to almost all car insurance companies; premiums are substantially lower if you pay annually than if you pay monthly. Ideally you should therefore have the money ready when your insurance is due to run out. If you really can't, you could try taking out a credit card with an interest-free period on new purchases and then making sure you pay off the insurance before this period runs out. There are limits to how often you can do this so do whatever you can to get the money ready out of savings.

Use cash back sites

Everybody knows to shop around and everybody knows that some of the major insurers do not allow their data to be used by comparison sites. Once you've narrowed your possible policies down to a short-list, bearing in mind that price is not the only criterion for buying insurance, have a look on the cash back sites, such as Quidco, to see if there are more savings to be made.

Think about black box insurance

Black box insurance means that the insurer will fit a tracking device to your car and base your premium on how you drive. While this does have overtones of Big Brother, the alternative point of view is that there is so much CCTV in the UK that a black box makes very little difference to your privacy but can make a whole world of difference to your premiums. This is particularly likely in the case of younger drivers, whom insurance companies generally view as a very poor risk. The other benefit is that is your car does get stolen; it is simple to trace it.

In a way, there's a strong argument for saying that black boxes are just an extension of the sort of strategies motorists have long used to lower their premiums, such as fitting car alarms and immobilizers and making arrangements for secure storage. They just use modern technology to do so.

Get the right level of insurance cover

There are essentially three major branches of motor insurance cover. They are: third party; third party, fire and theft and fully comprehensive.

Third party is required by law, anything else is optional. It is important to tread carefully when considering enhanced cover and to have a complete understanding of what is and is not included in the cover.

For example, insurance against theft is unlikely to cover you for the full purchase price of the car, instead, the insurance company will use their book value, which may be significantly less. Hence it can be helpful to take out gap insurance from directgap.co.uk to cover the difference. Likewise fully comprehensive insurance is intended to cover accidental damage to your car, but it may or may not include breakdown cover.

The author is a professional writer, translator and penny-pincher. When not working she is often to be seen out and about with her collie dog. Otherwise she's likely to be taking photographs, playing poker or backgammon or reading books be Ian Rankin or Terry Pratchett. One of these days, she's going to write a novel.

Written By: admin on July 11, 2013 No Comment

If you are looking for instaVIN reviews to help you make your decision on which vehicle history report provider to go with, look no further! It is here that you will be able to get a sense of how instaVIN has positively affected the used car buying experiences for so many satisfied customers across the country. You will also learn that instaVIN doesn’t just offer vehicle history reports, but also an entire menu of products and services to serve your needs. To start matters off, it may be helpful for you to know that instaVIN is based out of San Diego, California and was founded over five years ago. They generate their car data from only the finest sources that include the NMVTIS, fire and insurance records, the state DMV, data aggregators and several proprietary sources.

The NMVTIS is a crucial database to source data from because it is the only vehicle history database in the country in which every single state, insurance carrier, junk and salvage yard is required by federal law to report their data accurately and on time. The database is administered by the American Association of Motor Vehicle Administrators and is overseen by the US Department of Justice. This means that instaVIN vehicle reports are real-time and incredibly accurate. This is crucial for any used car buyer that wants to make the most educated and least risky decision before committing to a purchase.

An instaVIN customer named Sylvia from Peoria, Illinois luckily avoided that costly mistake thanks to an instaVIN vehicle history and title report. As she explained:

I was just about to buy a used Nissan Altima from a man selling online. I decided to get a report first and I found INSTAVIN. The report said the car had been totalled by Geico and had been at a place called CoPart and when I looked them up, I saw that they sell accident cars-some of them looked pretty bad. So I didn’t buy that car- I got another one and checked it first and it didn't have problems. $7 for each report it was worth it.

Another customer named Janis also had a very positive experience with instaVIN. She explained in her company testimonial that she was about to buy what she thought was a great used car through an internet seller and decided to turn to CARFAX® for the vehicle’s background information. Janis said in her instaVIN review, “I recently almost purchased a vehicle that I found on the internet. I paid over $45 for a CARFAX® report that indicated the vehicle was clean. Just to be safe I ran a few other reports from other companies .. turns out there is a big difference! CARFAX® did not report that the vehicle was a Total Loss!!! instaVIN showed recent Total Loss information on the vehicle from Copart that was not available from CARFAX®! instaVIN gave me the basics at a reasonable price. Thanks for having a reasonable value based alternative to CARFAX®!”

Thank you for taking the time to read these instaVIN reviews. Hopefully, they were helpful and make you feel more at ease. instaVIN offers fantastic and dependable vehicle history and title reports but also offers effective bill of sale document services, certified pre-owned auto and powersports programs, a free mobile app for your iPad and iPhone, insurance and auto warranty services and so much more. So, give the vehicle history report specialists at instaVIN a call today at 858-454-6782 or click here to get started!

Written By: admin on July 9, 2013 No Comment

Buying a used car can be a great means of getting a good car at a great price. As soon as a new car leaves the forecourt of a dealership, it substantially depreciates in value. So buying a second hand car can mean you can land yourself with a bargain.
However, the world of used cars is not always a straight forward one, and as such there are a few questions you need to ask to make sure you know exactly what you’re buying.

What is your budget?

Before you start asking questions about the car, it is important to ask a couple of questions of yourself. The first one being: what type of money are you willing and able to spend? You need to decide what money you have to spend to help you decide what car you can afford. This can help you filter your choices significantly, cutting down on browsing time.

What type of car do you need?

The next fundamental question is a simple one, what type of car are you looking for? There are a few further questions which can help determine this better:

  • What will the car be primarily used for? Business? Recreational Use? Family?
  • How many passengers will you typically be driving around with?

Can you see the service history?

In an ideal world, the car you’re buying will come with a full service record, including dealer stamps. If you can’t see a service history, it’s difficult to know how the car has held up and how well it has been treated. If there is no service history available, that might be a reason to doubt the car or at least take a closer look.

Make sure you look for certain things when buying a used car.

Image source: http://farm4.staticflickr.com/3599/3634180724_ee0df4b936.jpg

 

Can you see the MOT certificates?

Any car over 3 years old must have a valid MOT. If you want to double check the validity of the MOT document, you can cross-reference the certificate with information recorded online at https://www.gov.uk/check-mot-status-vehicle.

How many miles on the odometer?

The miles a car has done is directly linked to the value of the car, as it shows how much wear and tear it has experienced. Reading the odometer can give you a good idea of the true value of the vehicle and let you know whether it’s worth the asking price. Unfortunately there is always the risk that the odometer might have been tampered with or altered; if you have any doubt about the odometer’s reading, you can double check it by cross-referencing mileage in the service history and MOT.

Are there are any parts of the car that are don’t work or are tricky to work?

Although a sticky door handle or temperamental lights might not be too detrimental to the overall functionality of the car, it can be a real annoyance and something of a hassle with everyday use. It’s therefore good to ask if there is anything about the car you need to know before buying it. If you feel that it’s a minor annoyance that won’t bother you too much then you might be able to get the car at a lower value and snag a bargain.

Is there any rust or any gaps in the paintwork?

If there are imperfections with the paintwork the car’s value should be lowered. It’s good to inspect the car to check for yourself that the paintwork is intact. On the other hand, if you aren’t too picky and have seen a spot where the paintwork has been redone to cover up a scratch or imperfection, it might be nothing more than an aesthetic flaw and can be used as ammunition for haggling to get a better deal.

Can you attain an independent inspection?

An important question to ask the dealer is whether or not you can have an independent inspection carried out before buying. An honest dealer (e.g. Roy Chapman - used car dealers) will have no qualms about having another professional confirm their claims. However, if the dealer appears at all hesitant at the suggestion, which should immediately be a red flag and you might want to doubt the authenticity of the information being provided about the car.

 

Make sure the person selling it is reliable.

Image source: http://farm5.staticflickr.com/4052/4419952425_c5091c13ca.jpg

 

Conclusion

Buying a used car can be a great idea for getting a good deal on a vehicle, especially if you’re working on a budget. But you should always ask a few questions before committing to buy. Although there are undoubtedly other questions which will help you in the decision-making process, the ones listed here are a good place to start.

 

 

 

Image credits:  cjc4454 and Hugo90

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