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Auto Insurance the Right Way

December 7, 2017 by admin

It’s finally happened – all the paperwork is done and you hold in your hands your first set of car keys to call your very own. But what about insurance? With so many plans and companies and things you seemingly need to know and do to pick the right one, how exactly do you pick the right one for you? We’ve narrowed it down to a couple top things to keep in mind when you’re looking to pick the right car insurance provider.

Compare Online

Sounds simple, but is it? It is! You can save money by comparing online on price comparison websites which showcase costs and plans alongside one another for easy viewing, helping you make the best choice for you.

Maintain Good Credit

As with other types of insurance like life insurance, if your credit isn’t good, chances are your premiums will be higher making it difficult to get a truly good deal on your insurance. Check your credit score often and do your best to adjust it where you can.

Set The Right Deductible

Having a higher deductible reduces your premium, but it means you will pay more out of your own pocket upfront in the case of an accident. If you have a good accident-free history though, it could be worth the gamble to reduce your premiums. This can save you money on your insurance per month.

Beware Of Scammers

Crooks can rip you off by staging accidents or doing things like purposely slamming on their brakes to make you run into them and then claim that you are at fault. In every situation never claim responsibility upfront, always photograph the scene, and be sure to always phone the police to report the situation.

Reduced Mileage, Reduced Price!

If you aren’t using your car much if at all due to being ill, losing your job, working from home or other reasons, be sure to report it to your insurer. Less use of the vehicle means you can qualify for lower premiums. Just be sure to be truthful and not do this then use the car as much as you had been as anything that happens outside the world of your claimed use of the car may not be covered under this adjusted plan and will leave you having to pay out of pocket.

Pay Attention To Mechanics

If you have an accident and need something repaired, keep an eye on who the insurers send your vehicle to. Sometimes the shop they use will have an incentive to use cheaper or non certified parts that don’t suit your vehicle best.

Take Advantage Of Special Offers

Often times, insurance providers will give special discounts or deals to drivers that have no accidents, are mature drivers, married or have taken special driver training courses then you may qualify for a special discount on car insurance. Likewise if you have special devices in your car that deter thieves can help cut costs on insurance too, such as fingerprint identification and more.

So if you’re looking for a good deal on your car insurance, consider looking into some of the tips above. You might be surprised at how easy it is to get a deal if you’re willing to take an extra class or have a special anti theft device installed. It’s always a great day when you get a deal, so what kind of deal will you go hunting for with your insurance today?

Robert Bassam – Your Checklist for Buying a Used Car

September 28, 2017 by admin

Source

Buying a used car is a big decision and one you need to understand fully when you are about to do it. Used car dealers are notorious for luring unsuspecting and unknowledgeable car buyers into their dealerships and selling them cars that look and even run great for a short period of time and then quickly turn rotten.

For this reason, you need to set some guidelines for yourself when shopping for a new car. Ones that will keep you knowledgeable about how to get a good one for the right price. Here are some important parts of the guideline for buying a used car.

Pick a Reputable Dealer

Choosing a dealer who has a great reputation like Robert Bassam helps you to avoid the majority of problems one can encounter when purchasing a used car. Reputable dealers will make sure the vehicle you buy does not have scary issues like undisclosed previous accidents, inaccurate odometer readings, low quality and uncertified parts, sloppy paperwork, and other things that will cause you trouble once you buy the car.

If you live in Washington, finding Washington owners of cars who are reputable is paramount. Luckily, finding a reputable dealer has gotten easy because of the availability of locating relevant information on the internet. There are organizations that rate dealers and that provide buyers with information on the dealer’s licensing and track record. You can also look for those who previously purchased vehicles from the dealer to see what their experience was during and after the purchase. Did the dealer use hard sell tactics? Were they courteous? Were they pressured into buying more can then needed? Dissatisfied customers are happy to share their horror stories on-line. And conversely, those who have had great experiences never mind letting others know. So use these resources to find out which dealers are trustworthy and which ones to avoid.

Bring a Mechanic to Inspect the Car

If you have any doubts about the dealer or if you feel the need for any other reason, bring a reputable mechanic with you to look at the car before you purchase. Let the dealer know you intend to do this and that the mechanic will need to be given full access to the vehicle. A reputable dealer will welcome this step and one who is looking to seize an opportunity to cheat you, will give one million excuses about why this is not a good idea.

The mechanic should be given full access to the vehicle and check tires, fluid levels, hoses, the transmission, the brakes and the engine. Meanwhile, you should check the exterior and interior for any excess wear and tear or any signs of rust or previous undisclosed damage.

Always be Prepared to Walk Away

You might find a car you absolutely love, but the price is too high or the terms stretch you too much. Car dealers will often lengthen payments or ask for more money down to make payments fit your budget. If you find yourself in this situation you are probably buying too much car. Start with a budget and stick to that budget no matter what how excited you get during your shopping. Take your time and you will find the car you need for the budget you have, patience is the key.