Monthly Archives: May 2014

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Protect You Car And Your Family With Car Insurance

There are many terms that are specific to auto insurance, and they can be confusing. You may find yourself feeling hopelessly confused and unsure of what anything means. This article is designed to help you understand more about your auto insurance coverage. By understanding these terms, you can be a more informed consumer and make confident decisions about your policy.

Your insurance coverage should never be permitted to run out, even when you are switching between plans. This will keep your insurance costs lower. If you continuously switch insurance providers, it will make gaps in coverage. An insurance company will raise your rate if they notice these gaps.

Avoid having more than one driver listed for each car. You will get a lower premium if you only have one name on each car.

It is prudent to shop around when you are looking for car insurance, as this is a fiercely competitive industry. As you will find, insurance rates vary greatly by the company. Check back with those companies every year to see if you could save more money. Make sure these quotes are for a similar amount of coverage when you’re comparing rates.

Reconsider buying add-ons for your car that you don’t really need. You don’t need heated seats or fancy stereos. If your car is totaled or stolen, your insurance will not reimburse you for the damage done to it.

When purchasing auto insurance, be sure to include property damage liability. If you don’t you may find that you are paying out of pocket for the mess you create when you have an accident. 47 states require you to buy this type of insurance. This sort of insurance will protect you if you are involved in a crash.

Auto Insurance

Hopefully, this article was able to help you through the maze of auto insurance and to give you confidence when making choices. The key to buying auto insurance is educating yourself.

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Air Filters And Wiper Blades – Huge Savings By Replacing These At Home

When it comes to renewing wiper blades and air filters, the vast majority of people use the schedule suggested by their local oil change service provider. The trouble with this is that you are wasting money by using their service. This article will reveal how you can save money by swapping these products yourself.

Possibly you don’t know that in all likelihood, as outlined by your car manufacturer, you only need to change your air filter after every 20,000 miles. Under normal driving factors, this is what your car requires. And you ought not feel compelled to change your air filter after 20,000 miles if it still appears to be fairly clean. If you go along with the recommendation of virtually all oil change locations, you will change your air filter roughly every six months. Because they make extra income replacing air filters, it is just common sense that they would recommend this. Most of these places even charge you up to $70 to replace a $10 air filter.

Learning to replace your own air filter will save you significant money and stop you from being taken advantage of by the oil change facilities. See your local auto parts store where you should be able to buy a manufacturer recommended air filter for well under $10. Should you be prepared to ask for assistance, employees at some auto parts stores will show you what to do. It truly is a piece of cake to replace an air filter because you most likely only have to remove the wing nut or release clamps to get the job done. Then, you lift out the worn out filter and fit the new one in its place. So rather than pay an oil change center $240 every two years to replace your air filter, you should spend a mere $10 to $20 every two years by doing it yourself.

Exchanging your cars old windshield wipers operates the same way. Why don’t you pay around $10 yourself for a pair of windshield wiper blades as an alternative to shelling out close to $40 at an oil change facility? In any case, changing wiper blades is as straightforward as changing your air filter. As an aside, you are going to usually find it easier if you swap the entire wiper blade unit rather than just replacing the blade. As a result, try to buy the whole unit when you shop for blades. You generally only need a small screwdriver to help you change out the wiper blades. With wiper blades, you would instantly know when to replace them because they will no longer work properly. The oil change technicians are simply using a computer recommendation and they don’t know whether your blades are working effectively or not. Therefore, if they have never replaced your wiper blades, they will continue to suggest that you buy new ones from them.

Just following these two recommendations and doing the work yourself can save you quite a bit of money. Perhaps now you should change your own oil too. Despite the fact that it’s more of a challenge, it will save you even more money in the long run.