How To Find Affordable Automobile Insurance In Tennessee

How To Find Affordable Automobile Insurance In Tennessee

One of the easiest ways to find affordable automobile insurance in Tennessee is to purchase only the state’s minimum car insurance requirements, also referred to as liability coverage. That is, if you can swing it. In Tennessee, those requirements are as follows: $10,000 for Property Damage Liability, $25,000 for Bodily Injury Liability per person and $50,000 for Bodily Injury Liability per accident. By purchasing no more than those amounts of coverage, you’ll most likely find cheap car insurance in Tennessee.

If you choose to obtain cheap car insurance in Tennessee by means of purchasing auto coverage that handles only the state’s minimum car insurance requirements, your premiums may still vary from your neighbor’s. This is due to individual factors auto insurers use to determine your rates including gender, age, credit score, driving record and the type of vehicle you drive. However, paying for the lowest amount of coverage allowable still means you’ll most likely pay the cheapest Tennessee auto insurance rates for you.

Obtaining affordable automobile insurance in Tennessee through the state’s minimum car insurance requirements provides the least amount of coverage. Trying to purchase auto coverage to satisfy only the minimum requirements causes other problems to arise. You see, not everyone is eligible to purchase basic liability car insurance. For example, if you financed your car through a bank or another lender, you may be required to purchase full coverage car insurance. Once you own the vehicle outright, however, you can enjoy cheap car insurance in Tennessee by switching to the state’s liability insurance requirements.

Remember, Tennessee’s basic liability coverage protects just that – your liability. You’ll only receive collision and comprehensive coverage if you purchase some sort of “full coverage” policy. If your budget or loan situation demands it, purchasing Tennessee’s minimum car insurance requirements in order to obtain affordable automobile insurance in Tennessee is ideal. You can always upgrade to a full coverage insurance policy when you’re ready.


Tools Women Can Use to Impress Their Auto Technician

Tools Women Can Use to Impress Their Auto Technician

Trust, reliability and good communication are not just key ingredients to a healthy and successful relationship with your significant other. They are also instrumental to a balanced and sound relationship with your automobile and its technician.

At some point in a vehicle’s life, most women will have to take their automobile to a repair shop because it has, unfortunately, let them down.

AAA, North America’s largest motoring and leisure travel organization, is helping women motorists jump-start their awareness in automotive maintenance with a checklist they can use to boost their car care confidence and automotive self-reliance.

“If women put off visiting an auto repair shop because of fear, it could be a recipe for disaster,” said John Nielson, director of AAA’s Approved Auto Repair program. “The more you know about your vehicle and how it operates, the better.”

AAA offers the following tips for women:

* Become familiar with your automobile’s maintenance schedule. This information is provided in the owner’s manual of your vehicle.

* Don’t wait for your car to break down to identify a repair shop. Be proactive and research where you want to take your vehicle when it’s time to be serviced.

* Gather recommendations and opinions from friends and family about auto repair shops. This will help streamline the decision-making process.

* Check with local consumer agencies to identify if the repair shop in question has any unresolved disputes.

* Find out if the shop employs ASE certified automotive technicians that are experienced working on the type of car you own.

* Select an AAA Approved Auto Repair facility. These shops undergo an extensive investigation before being allowed to enter the program and AAA is confident that they will provide competent and professional repairs.

* Communicate your vehicle’s symptoms effectively by using simple everyday language or demonstrating the problem during a test drive with the technician.


How To Choose The Right Automobile For Your Family

How To Choose The Right Automobile For Your Family

In this day and age most families could not fathom doing without the convenience of an automobile, which makes the buying process an important one. When attempting to choose the right car for your family, it’s important to consider a variety of factors that will help to make sure your ride is a smooth one.

First and foremost, you will need to ensure that your family’s automobile is a safe one. As a consumer, you can check the results of government crash test and/or safety ratings online or by asking your local dealership for further information. If purchasing an SUV, for instance, it may be especially important for you to consider the rollover capability. If you are like most, you will also find it beneficial to learn how the automobile held up in crash test ratings.

If you have children, interior space is likely to be a priority on your list of auto amenities. Whether it’s storage space for toting sports equipment, musical instruments for band practice or just a little extra room for a special trip to the toy store, it’s a good idea to consider comfort in terms of available space, movability and leg room.

Whether you are purchasing a new or used automobile, a warranty is an important consideration. New vehicles typically come with a manufacturer’s warranty, while previously owned automobiles may have a portion of the manufacturer’s warranty remaining or possibly even one that is offered directly from the dealership. If the original manufacturer’s warranty has expired, there may be an option of purchasing an extended warranty from the manufacturer upon request. This is typically only available on newer model vehicles, but it is a consideration for those investing in a previously-owned ride.

If you purchase a used automobile, it’s advisable to ask the seller for the VIN number and/or Carfax report. If the dealership or private owner doesn’t have a Carfax report, you can obtain one yourself using the VIN number. This information is helpful in determining the vehicle’s actual mileage, accident record, service or repair history and more. Additionally, a Carfax report can let you know whether or not the automobile has ever been involved in a recall and/or reported as stolen, both of which are important to know when choosing a vehicle for your family.

For new cars it is possible to request to see the invoice for the car, which will tell you how much the dealership had to pay for the vehicle at their wholesale cost. Many car dealers will bargain to a price within a thousand dollars or so of this invoice price if you negotiate with them. This of course doesn’t apply to some companies like Saturn, which does business at sticker-price only.

Be aware that any “factory rebates” are technically reimbursements from the manufacturer, not the dealer. As such, it isn’t entirely uncommon to be able to purchase a car for BELOW the invoice price if there are a lot of factory incentives available for the model car you are purchasing and the dealer is being particularly flexible on pricing.

Last but not least, the cost of operation for an automobile is a significant consideration when choosing the right vehicle for your family. Gas mileage and the cost of auto insurance are both important in terms of affordability. In general, an SUV uses more gasoline and will carry a higher cost of auto insurance. The age of an automobile also plays a role in the cost of auto insurance, which is typically more expensive on new vehicles than on earlier models.


What To Look For In A Full Coverage Automobile Insurance Quote In Wisconsin

What To Look For In A Full Coverage Automobile Insurance Quote In Wisconsin

Before you apply for a full coverage automobile insurance quote in Wisconsin, make sure you understand the difference between full coverage protection and liability coverage protection.

In Wisconsin, liability insurance coverage is a basic car insurance policy. The state has minimum requirements regarding liability protection. They are as follows:

•$10,000 of property coverage
•$25,000 of personal injury coverage
•$50,000 of death coverage

These coverage amounts are the most basic liability protection you can purchase in Wisconsin. Yet, many motorists choose to purchase higher amounts in order to ensure they’re more protected.

At the same time, many drivers opt to purchase what is known as “full coverage” insurance. Full coverage car insurance is best known for having both collision and comprehensive protection in addition to Wisconsin’s minimum liability coverage protection. Collision insurance protects you in the event your vehicle collides with another driver’s vehicle, and comprehensive insurance protects you in the event your vehicle becomes damaged due to something other than a collision with another vehicle, i.e. fire, theft, weather damage.

However, there is no one definitive kind of Wisconsin full coverage car insurance. Aside from collision and comprehensive protection, there are other kinds of coverage you can purchase. For example, you may be interested in underinsured motorist coverage. Wisconsin automatically includes uninsured motorist coverage in your policy; however, underinsured motorist coverage protects you in the event you’re involved in an accident with a motorist who has coverage, but doesn’t have enough coverage.

Another kind of auto coverage option is towing and labor costs. It may not be often that your car breaks down, but this is a handy kind of protection to have around if the inconvenient situation ever arises, as is rental reimbursement coverage for when you need to rent a vehicle while yours is being repaired.

You may also want to consider purchasing protection for your vehicle special features such as your sound system and your audio cassettes and compact discs. can provide you with free and instant full coverage automobile insurance quotes in Wisconsin.


Advantages Of Leasing A Vehicle

Advantages Of Leasing A Vehicle

There are a number of reasons to consider leasing a vehicle and, of course, a number of reasons to consider buying a vehicle. These reasons are very different from one another because, naturally, buying a car is significantly different from leasing a vehicle. For the time being, the attention will be focused on the advantages of leasing a vehicle as it stacks up versus the other options of automobile purchasing and ownership.

Some of the potential advantages to leasing a vehicle include:

Lower Monthly Payments

Leasing is broken up into payments of the car or truck that you are actually using. Your monthly payments are significantly lower, usually around 30 to 60 percent lower, than standard loan payments on a vehicle purchase would be. Length terms are also put on leases, which makes for more access to the vehicle for relatively the same amount of money. On top of that, you have the ability to drive a different car every two or three years, depending on your overall lease agreement.

Less Headaches Related to Maintenance

One of the biggest headaches when it comes to car ownership is the repair bills incurred. With leasing an automobile, however, the terms of the lease typically match up with any manufacturing warranty coverage. This is an easy way out of major vehicle repairs, as the lease runs out right at the moment engine parts run out of warranty coverage and it becomes the manufacturer’s problem, not the driver’s.

Less Cash Upfront

A lot of lease agreements these days ask for very little cash upfront to secure the lease. This makes getting into a new car incredibly affordable and frees up valuable cash for other purposes than securing a vehicle. Lease agreements may suggest that you make a down payment or trade in your own vehicle. This will result in the lowering of your overall monthly payment amount, which is always good news for leasers.

Lower Taxes

In most locations, you don’t have to pay the full sales tax on the vehicle in a lease agreement because you aren’t paying for the whole value of the car. You would only face taxation on the portion of the vehicle you use during your lease or the amount of cash you paid during the terms of your lease. The tax is spread out into easy payments, therefore, and is paid alongside the monthly lease payments instead of being paid all at once. This is how most agreements work, but not all. Check with your lease agreement for more information on taxation.

Less Hassle

Instead of fiddling around trying to sell your old used car, you simply bring it back at the end of your lease agreement and pick up a new lease model. This takes the headaches and hassles away from selling your own automobile and, instead, puts it in the hands of the experts.

Gap Coverage

A final note about leases pertains to gap coverage on insurance policies. Most leases automatically include gap coverage in case the vehicle is stolen or wrecked in an accident because it leaves the manufacturer and leaser in the clear. This prevents the leaser from owing more than the vehicle is worth. In the case of most vehicle loans, this coverage is not included and car owners are on the hook in the event of accidents or theft in most cases.


How to Lower Your Auto Insurance Premiums

How to Lower Your Auto Insurance Premiums

People invest a good share of their hard earned money on material assets such as house, automobile etc. So it is quite essential to secure these things and therefore get them insured. Auto insurance is akin to health insurance. Just as the latter compensates for any attack on one’s health, similarly the former reimburses for any damage to your vehicle and also for its loss. With the aid of auto insurance you can keep your car in a good shape and even by a new car in case your insured car gets stolen or lost.

There are lots of companies or agencies that offer auto insurance policy. People prefer the policy that provides maximum benefits and demand less premium. The insurance premium of your vehicle is adjudicated by the parameters of safety, repair costs and theft problems etc. So in order to have low premium rates make sure that you consider these crucial factors carefully.

The kind of car you drive or desire to purchase affects the cost of coverage for any physical damage happening to it. Insurance companies (such as CLEAR or Canadian Loss Experience Automobile Rating) analyze a vehicle in terms of its safety records and wear and tear expenditure. If the repair and replacement chances and so expense is quite high, you are required to pay a good amount of premium for your mode of transport. The premium for the cars that have a good design, are carved in a manner that there are less chances of its being stolen and also run fewer risks of damage or impairment is significantly low. So if you really crave for low premiums, be prudent in your choice of vehicle. In case of purchasing a car, try to go with one that has a good efficiency and built, perfect design and that fetches you least trouble.

Besides the physical and mechanical features of the automobile, the amount of attention you pay to it contributes greatly to its insurance and your happiness. In other words it is very essential for the car owner to prevent it from theft as much as he can. Make sure that the locks of your car are working properly especially if it is an old car. In 2000 CLEAR had revealed that old cars were more susceptible to theft than the new ones. It can be because of their debilitating physical condition and lack of heed people pay to these cars.
Alongwith this it is also very important that you drive your vehicle safely and maintain it well.

Apart from these, one who seeks to take an automobile insurance should compare the policies of different companies, make a complete survey of the market first and then decide which policy to take.

For more information about points that should be borne in mind prior to purchasing a vehicle, you can contact the Insurance Bureau of Canada. At the end what is to be considered is the fact that lower claims entail lower premiums and if the car that you desire has a negative record you will definitely end up paying a good amount for it. So do think of the safety, damage and repair costs and also the theft issue regarding in context of your coveted car.


How To Save Money And Get Discount Automobile Insurance In Arkansas

How To Save Money And Get Discount Automobile Insurance In Arkansas

Arkansas requires that every driver in the state purchase automobile insurance before a vehicle can get a registration certificate. The penalties for driving without insurance in Arkansas are extremely high – it is simply not worth the risk.

Therefore it is up to each and every driver in Arkansas to use every means possible to save money and get discount automobile insurance.

Fortunately there are several things you can do that can help to keep your insurance rates their lowest.

First is the vehicle you’re driving. Not all vehicles are created equal when it comes to paying for automobile insurance; some vehicles cost a lot more to insure than others. Talk to your automobile insurance agent to help you find the vehicle that’s right for you and which you can afford to insure month after month.

Secondly, keep your driving record absolutely clean. This means no speeding tickets, no moving violations of any kind, and definitely no convictions for DUI (Driving Under the Influence) or for DWI (Driving While Intoxicated).

If you’re under 25 stay in school and work hard to keep your grades up. A “B” grade point average or better qualifies most young drivers for a hefty Good Student Discount on their automobile insurance.

Older drivers, those 55 and older, can also save on their insurance by taking a special driver’s refresher course. Not all automobile insurance companies offer this program so check with your agent to see if you can qualify.

Find out what the Kelly Blue Book value is on your vehicle. In most cases your insurance company will not pay you more than the Kelly Blue Book value if your car is damaged or totaled in an accident. This means that if your car is so old or in such bad shape that it has little or no Kelly Blue Book value you’d probably be smart to save the money and cancel your collision and comprehensive coverage – if your car is damaged or totaled your insurance company will not pay you anything anyway, even if you pay for the extra insurance.

Increase your deductible. This means you will be putting yourself at greater financial risk in case of a claim, so consider carefully what you can actually afford to pay for repairs to your car if the need arises. The more you can afford to pay and the less your insurance company must fork out, the better it will be on your monthly automobile insurance premium.

So now it’s time for you to get online and see what kind of a deal you can find at several of the websites designed to let you make easy side-by-side comparisons of policies, companies and prices.

Don’t fall into the trap of believing that checking just one site tells you everything you need to know – because it doesn’t. No site compares all automobile insurance companies doing business in Arkansas – you need to make comparisons on at least 3 different websites before you can feel comfortable that you are seeing comparisons of all possible insurance companies.

Now it’s time to pick the best policy at the best price – and to sleep easy knowing that you have done everything possible to save money and get discount automobile insurance in Arkansas.


How To Have The Road Trip You’ve Longed For

How To Have The Road Trip You’ve Longed For

In your last big road trip with your kids, how many times did you hear “are we there yet?” and do you remember just how frustrating is it? Perhaps you don’t remember that last big trip because you’re trying desperately to avoid one, knowing your kids will distract you the whole way. Fortunately, with a little planning ahead, you can have the road trip you’ve always longed for – children and all. How can you do this? Think about getting the latest in automobile video systems. Along with GPS systems and CD changers, car video systems have revolutionized the driving scene. Nowadays, the newer upscale vehicles come complete with all of these gadgets but you can have one installed in the vehicle you currently own. It’s amazing how something like a car video system can make the difference between rowdy passengers and a smooth ride with your kids in the back, enjoying a good movie.

Getting an automobile video system in your car is easier than you think. Look for an upper-end mini-van or other vehicle that has an option of installing a video system. If not, automobile companies often install these systems for you upon request. Why suffer through hours of annoying children’s chatter when you can rely on new age technology and keep everyone in your car happy at the same time. With technology on our sides, we can make virtually anything a reality. So if that long summer vacation is looming ahead and it involves a grueling road trip, it will be a wise move to plan ahead and install one of the contemporary car video systems on the market today.

I was in the market for a mini-van a few years ago and the thought of having an automobile video system crossed my mind. I was buying the vehicle to house my big family for long and short car trips, and a video system seemed like a great idea. To my surprise, the addition of a video system cost only about two thousand dollars – much less than I thought it was going to be. I checked through the various options until I found one I liked and had it installed in my vehicle. While two thousand dollars sounds expensive, I thought it would be much worse than that. My video system included both the screen and the DVD player – a feature that is standard on almost all systems.

I’m so thankful I made the decision I did to get a car video system. Now I don’t have any of the rowdiness or screaming of little children coming from the back of my vehicle. Their little faces are glued to the DVD screen watching their favorite Disney flick and I get to focus on getting us to our destination in peace. If you feel like this is an option for you, go online and search for car video systems. Check out their options and pricing. See if it’s possible to install in your kind of vehicle.


Sell Your Car Online: Step 4, Writing a Compelling Description of Your Automobile

Sell Your Car Online: Step 4, Writing a Compelling Description of Your Automobile

Auto classifieds websites are some of the most powerful tools available today to help you sell your car or truck. In step 3 of this series, titled “Sell Your Car Online: Step 3, Using the Right Information to Help Sell Your Automobile “, you learned what information you should display about your automobile in your classified ad.

The fourth step in placing an ad is writing a compelling description of your automobile. Most auto classified web sites have an information field labeled “Description” in which you can type a lengthy discourse about the car or truck you have for sale. You may think that this is not needed since you already have all the important information listed in the previous info fields. Nothing could be farther from the truth.

So, what do you type in the description field? First you should quickly restate the most important information, like the make, model, and year. Then list again a few of the best accessories and options that have the most appeal. Next comes the fun part.

You should write a descriptive paragraph that includes information about your vehicle that has not been previously listed. If your car or truck has a special feature, describe it. If it has a new component, like a new engine or transmission, list it. If the vehicle has a special quality that is not noticeable in any of the photos, write about it.

For example, if your vehicle is a classic sports car that has a specialty racing engine, list the specific engine enhancements. If the vehicle is a show truck with a high end sound system, describe how the radio sounds. If the vehicle is an expensive luxury car, describe how comfortable the driver’s seat feels.

The objective of the description field is to paint a clear and unique picture of your car or truck that puts the buyer in the driver’s seat. The buyer should feel, hear, and see everything that sets this vehicle apart from the rest. After reading your description, the buyer should not have any doubt that this is the right vehicle for him/her to purchase.

This is a great example of a properly written description:

“This 1996 Pontiac Firebird Formula is in great condition. It has alloy wheels, AC, power everything, and a 6-disc changer. The T-tops are a nice addition, especially in hot weather. Even though this Firebird is 10 years old, it looks like it belongs on the showroom floor. It has flawless red paint on the exterior and a super clean black interior. A brand new automatic transmission was installed only 12 months ago, which is still under warranty.

The best feature about this 1996 Pontiac Firebird Formula is the engine. It has a 5.7 Liter HO V8 that has been well maintained. It does 0-60 in a respectable 5.2 seconds and has a top speed just under 160 MPH. Accelerate and you can hear every one of the 305 horses coming through the exhaust. Any sports car enthusiast would enjoy getting behind the wheel of this one.

Don’t miss this 1996 Pontiac Firebird Formula. It’s a good deal on a great car. Call today.”

Notice how the description flows. It’s not just a simple list, but it is written in a conversational style with wording that plays on the emotions of the buyer. It is concluded with a call-to-action, “Call today.”

Don’t worry about the length of the description. Whether it is short or long is secondary to how enticing it is to the potential buyer. If the description is interesting enough to keep his/her attention, it could be 6 paragraphs and still be effective.

Remember this from step 3! There’s no such thing as listing too much information about your vehicle, so type away and tell as much about your car as possible. The worst thing that can happen is that the potential buyer will spend more time viewing your listing and not viewing someone else’s listing.

If done correctly, writing a powerful description of your automobile can transform the viewer of your classified ad from a browser to a buyer. Look for the final installment in this series titled “Sell Your Car Online: Step 5, Making Search Engines Love Your Classified Ad.“ Happy selling.


The Most Essential Car Insurance Tips Available

The Most Essential Car Insurance Tips Available

You do not go out and buy the first car that you find. You should shop around for your car insurance that protects that car the same way that you shopped around for your car. These tips were written to help you during your auto insurance shopping and purchasing experience.

When trying to settle your auto insurance claim don’t just settle for the person who calls you first. If you don’t like their offer, ask to speak to their supervisor, and their supervisor and so forth until you get the result you want. Since they don’t want you complaining to your friends and family, you have a good bargaining chip.

If one can keep a clean driving record then they can notice a difference in what they pay for insurance. Insurance companies like drivers that are not likely to get into accidents so that the company will not have to pay for their damages. Safe drivers can save money on insurance.

Purchasing a smaller vehicle is actually a great way to save on automobile insurance. Larger SUVs might have some great safety features, but if we’re talking about all-around savings, the smaller your automobile, the less you’re ultimately, going to pay for insurance.

If you’re having trouble finding the right auto insurance provider for your needs, it may be helpful to get an agent, or broker, to help you decide. An advantage of an insurance agent is that they aren’t on the payroll of an insurance company, and thus won’t lie or mislead you into getting an insurance plan that isn’t the best for your needs!

Choosing the right insurance agency is key to getting the best deal in auto insurance. You will want to call around and compare rates for all auto insurance agencies where you live or even online. They also have tools online where you can compare rates to find the best for you.

If you want to pay less for your insurance, stop driving your car. Sounds simple, but it’s effective as long as your insurance company offers discounts for cars with low mileage. Taking the bus or walking more often can keep your car in the garage and save you money on your premiums. You might even lose a pound or two!

When you shop for auto insurance, make sure that you are receiving the best possible rate by asking what kinds of discounts your company offers. Auto insurance companies give discounts for things like safe driving, good grades (for students), and features in your car that enhance safety, such as antilock brakes and airbags. So next time, speak up and you could save some money.

When you are shopping around for auto insurance policies, watch the amount, take note of any quotes. The competition between companies is fierce, so you need to find and compare different quotes from many carriers. Some policies might have the same coverage and deductibles, but the six-month quotes could vary between ten and twenty percent between the companies.

Hopefully you have found these tips to be helpful and informative. If you apply these tips to your auto insurance research, you are going to find that you will get the best possible coverage for your car that you worked so hard to get and will pay the best possible rate for it.