Monthly Archives: July 2017

How To Reduce Gap Auto Insurance Premiums

Gap insurance auto coverage is a necessity only if the following two conditions are present:

1. You finance the purchase of a new or used auto.

2. You make a down payment of under 20%.

And in a case where you take advantage of one of the numerous 0 down/60 month lending offers you definitely want gap protection.

Nevertheless even when you do require gap insurance, it’s just necessary for as long as the outstanding loan balance exceeds the actual cash value of your car or truck. Usually what this means is a period of 21/2 to 3 years. So by the end of the 3rd year of installments the loan balance on your vehicle should be close to the cash value of your car or truck.

At this time the gap insurance could be terminated; but only if it was initially bought as a rider to a comprehensive policy sold by an insurance provider.

If, on the other hand, you purchase gap vehicle insurance protection from a auto dealer it cannot be terminated because you make a one time, up front payment.

Another significant difference between buying gap insurance from an insurance company or dealership is cost. Gap insurance coverage purchased using a auto dealer could cost varying from $500 – $700, while the same coverage bought through an insurance company will add only 5 or 6% to the price of your collision coverage, or about $30 annually.

So if your loan balance and the cash value of your automobile achieve parity within three years as suggested above, you’ll have paid out a total of approximately $90 for gap protection as opposed to hundreds of dollars more for coverage from a auto dealer.

Now, as if $30 a year wasnt affordable enough, it is possible to trim this amount even more. Since the cost of gap auto coverage is a percentage of the cost of comprehensive coverage, the less you pay for comprehensive collision coverage, the less you will pay for gap.

This provides a win, win scenario for each new car owner in need of gap insurance; especially if you have the time to evaluate a number of quotes from insurance carriers currently fighting for your business on television.

All New Honda Civic 2016

Taken from some automotive pages. Manufacturer Honda, especially American Honda released the latest model of civic, which will be the challenger for other automotive manufacturers. At least already sold less than 10 million units worldwide.
There are at least 5 superior to that offered by the all-new Civic.

  1. Weight lighter
    Although it has a broader dimension, we can be sure the all-new Civic will not be more severe than the previous generation.
    The light weight of the role of raw material selection of ultra-high-strength steel yet light.
    The weight of the latest all-new Civic trimmed to 31 kg lighter than the previous generation.
  2. Display wider
    All New Honda Civic 2016 will have a new platform with Honda’s unique body structure, ACE. Honda also bold claim with this structure makes the Civic into a model of the safest in its class.
    Thanks to this platform also makes the all-new Civic has a wider dimension of up to 2 inches, with up to 1.2 inches of additional wheelbase. However, if the calculated whole body of the latest all-new Civic 3 inches larger than the previous generation.
    This platform will certainly be making legroom alias wider foot distance
  3. 2 New Machine
    In addition to the design, the car also will carry the latest petrol engine, with two engine options.
    For most bottom option, the All New Honda Civic will offer a 2.0-liter engine.powertrain01
    The engine is larger than the previous generation Civic (1,800 cc). This machine is also believed to have the power up to 158 horsepower and torque to 138 lb-ft.
    As for the choice of model EX-T and EX-L, each of which will offer a 1.5 turbo engine with direct injection mated. The result of this machine capable of spraying up to 174 horsepower and 162 lb-ft of torque.powertrain-02
    Talk about the transmission, this luxury sedan will carry the continuously variable automatic transmission. And only the entry-level model LX offers a 6-speed manual.
    Fuel consumption for the country to reach 17 km per liter.
  4. Prices
    In the United States, said to be the 10th generation Civic will be priced starting at US $ 19,475 including shipping charges US $ 835 for the model LX manual.
    And for the automatic choice to reach US $ 20,275

Ford Ranger Pickup Truck

The Ford Ranger is a 1 ton pickup truck also sold as the Mazda BT-50; it is designed and built in North America. The 2011 model which is due for release later in the year, it has been designed and will be built by Ford of Australia. The Ranger is available as a Single Cab, RAP (Rear Access Panel) Cab and Double Cab.

With its rugged, masculine looks and its commanding presence, the Ford Ranger has been designed to be equally at home on town roads as well as country tracks. Whether used for work or pleasure, the Ranger is tough, resilient and reliable and has been built to take on the most difficult challenges both on and off-road.

The Ford Ranger is available with a choice of two diesel engines, a 2.5 litre four cylinder with 141bhp and a 3.0 litre TDCi with 154bhp. The larger diesel engine is only available with the top of the range twin cab model. The large diesel engines provide plenty of torque to lug around heavy loads, even the smaller diesel has 243lb ft of pulling muscle.

Like all pickup trucks the Ford Ranger is designed to be a working car, therefore unlike modern luxury 4×4 SUVs like the BMW X5 the Ranger feels more crude and basic. The ride for example has been designed to pull and carry heavy loads rather than offer maximum comfort for its passengers. Feedback from the wheels is decent and the grip level is ok too.

The large diesel engines in the Ranger are by no means as quiet as the ones seen in modern day diesel saloon cars but compared to other pickup trucks the Rangers engine are quiet and smooth. Road noise has been kept to a minimum in the cabin but, due to its square body shop the Ranger does create a lot of wind noise.

Elite Auto Glass Colorado

Did you know that Elite Auto Glass Colorado is owned by Belron Glass which is a huge corporation headquartered in the Netherlands? That’s right a once proudly owned Colorado company is owned by a company in a foreign country.

At one time Elite Auto Glass was owned and operated by Wes Topping but in 2005 Elite was bought by Belron Glass. What does this have to do with a price of a windshield? Well nothing really. But many people still think that Elite is Colorado owned when they’re not.

That’s not a big deal to some people but to others who still care about doing business with a local Denver, Lakewood Colorado windshield auto-glass company it’s something you should be aware of. Many times people will use a national auto glass company because they can get warranty work and repairs done to their windshield, anywhere in the United States.

However, what if you could get warranty work, repairs and two free windshields, nationwide, when you do business with a locally owned Colorado auto glass company? The best part is all of your money is spent and kept right here in Colorado to keep the economy going and people employed?

Elite Auto Glass, owned by Belron, doesn’t offer two free windshields anywhere in Colorado or anywhere else. There is one company that does. They’re called Fas-Break Auto Glass located in Lakewood.
Fas-Break was established in 1997 and has an A rating with the Better Business Bureau with no complaints on their record. Fas-Break has recently started offering an “extended service glass contract” offered through the National Glass Exchange based in Trinidad Colorado. The extended service contract is just a fancy name for being covered nationwide.

This service contract will repair or replace your windshield at no extra cost to you, should you have road damage at anytime within a 12 month time frame. Let’s say you replace your windshield with Fas-Break of Lakewood on Monday but on Friday your windshield catches a rock and breaks again. Normally with Elite Auto Glass or any other company, for that matter, you would have to pay for a new windshield again or live with the broken windshield till you decide to spend the money for another windshield.

With Fas-Break of Lakewood you would just call and they would re-replace your windshield again with no money out of your pocket. The cost would be covered under the National Glass Extended Service Contract through the National Glass Exchange. Now that’s an elite service.
Not only that, you get one more freebie should your windshield crack again. However you don’t have to wait for your windshield to crack if you have a small chip on your windshield. With the service contract you get unlimited rock chip repairs for no extra cost.
So if you are considering using Elite Auto Glass of Colorado consider using a local windshield company who really does offer an elite service.

Auto Maintenance Concise Guide

Every automobile comes with its own set of demands of maintenance jobs. While some of the initial damages are usually covered by the vehicle manufacturer, it is the later stages when maintaining your automobile can start to cause a considerable damage to your financials. Whenever we face any issue with our vehicle, our first instinct is to get it serviced from a service centre. Though it is probably the best solution to get the vehicle serviced at company service centre, it is sure to amount to a significant amount of money as well. This is why it is extremely recommended that once your vehicle it out of the manufacturers warranty, you should start to deal with minor glitches by yourself.

Adopting DIY approach will make a huge amount of difference to your vehicles annual maintenance cost as most of the money people spend on maintaining their vehicle goes towards getting minor issues addressed. First of all, you need to gain basic knowledge about parts such as headlights, fog lights, horns, fuse-box, tyres, etc. You can use any web based resource if you want to research further on more complex jobs.

Once you are ready to hit your home workshop, you will need to have the stock of all the parts with short life spans, such as bulbs, fuses, belts, chains, and other replacement parts, as per your skill-set and availability of tools and machinery. You can easily find discount auto parts at several online stores dedicated to auto parts. All you need to do is find the best names in the business using any search engine and make your choice based on the price comparison.

Authenticity can be a concern for most of us when shopping for discount auto parts. This is the reason it is strongly recommended that you go through customer reviews about the parts a store delivers before placing your order. You may place your order only if you are completely satisfied with what the stores previous customers have to say about the authenticity of parts and stores after sales service.