Car insurance secrets

Monday, April 25, 2011

The Origin of Car Insurance

One of the most widespread types of insurances in the world, car insurance is a legal requirement for car owners in almost every country on earth. Car insurance may cover not only all types of physical damage to any vehicles involved in an accident but also the medical expenses of any persons involved in an accident. It may also cover damage inflicted to property in any accident involving a vehicle.
Marine Insurance

The ancient Chinese were the first to come up with the idea of insuring a traveling unit. When the Americas were first being settled, Chinese merchants would often ship huge amounts of valuable merchandise across the Atlantic Ocean. These were dangerous trips with great risks involved and occasionally entire ships would disappear, either having sunk in a fierce storm or having been captured by pirates.

A group of Chinese entrepreneurs began offering insurance policies on ships undertaking these dangerous voyages. In return for a small fee, these entrepreneurs offered to take the risk off the merchants and put it on themselves. They would earn the small fee if nothing happened to the ship, but they would have to pay for any damages inflicted on the ship while under their insurance policy. This became known as marine insurance and is still in practice in many of today’s commercial ports.
The Evolution of Car Insurance

As the use of cars became more and more widespread, policymakers began to adapt the idea of marine insurance to land-based motor vehicles. The government soon decided that it was a risk as well as a privilege to operate one’s motor vehicle on public property. Laws were passed that legally required car owners to purchase car insurance both to protect themselves and others in case of an accident. The first state to mandate car insurance was Massachusetts who, in 1927, made insurance mandatory for all vehicles on their roads. Today, car insurance is mandatory in all 50 states.
The First Car Insurance Policies

The very insurance policy to be issued in the United States was in the early 1800s - nearly a hundred years before motorized vehicles became widespread. In 1895, a company owned by English investors issued the first policy with liability coverage included. Liability coverage was introduced to the United States three years later in 1898. Today, although every state has a different minimum amount of required obligations in their car insurance laws, liability coverage is mandatory in all 50.

Miles Walker is a freelance writer who normally writes feature articles for He recently wrote about California car insurance.

Friday, January 14, 2011

Car Tuning: How To Get Better At It

All of us dream of getting good at something we have been passionate about since we were a kid. One such thing would probably have to be car tuning. There are a number of enthusiasts out there that are involved with doing this on their own vehicles. After all, considering how simple and straightforward it is, it would be unwise to have it done for you by someone else. You might want to consider the option of learning more about the concept before you can actually try it out on your own. Listed below are some ways in which you could do this.

Researching about the car

One way that you can significantly improve your knowledge about car tuning would probably be if you research about your vehicle and perhaps learn more about it in the process. This is an important thing to keep in mind about, since you wouldn't want to end up trying something out with half knowledge. Some people spend as much as a year or more learning about their car before trying something on their own. You too could do the same to get better at it and perhaps learn to understand the simple stuff that powers your vehicle.

Getting involved with the maintenance

Car manufacturers provide a maintenance schedule for the reason that car owners know how to take care of their vehicle. Hence, in this manner, car owners can get familiar with car tuning and take care of their car at the same time. This is something worth looking into, even if you are not particularly interested in tuning your car. There are multiple benefits of taking care of your vehicle like intended. It is quite clear that you gain quite a bit by putting in some effort and taking care of your vehicle.

Going to online forums

A shortcut to getting knowledgeable about car tuning would probably be by going to some good online forums and learning more about the vehicles from some of the people in these forums. This too has yielded some good results in the past. You would definitely stand to gain from this and trying it out is highly recommended. Many of these forms are interesting places to go to in order to learn more about your car and also what a particular component does for your machine. It is definitely worth looking into it for any kind of car lover.

Although the online forums are a great idea, do be warned that it need not necessarily be the best one out there. You might want to be a little cautious about this and consider the website that you are going to in order to learn more about car tuning. It is important that the information you obtain is trustworthy and dependable. After all, you wouldn't want to simply complicate things by taking into account something that is not necessarily good for your car. Hence, spend some time and figure out all aspects before you can actually go ahead and try something out.

(ArticlesBase SC #3575329)

Sunday, December 26, 2010

How To Diagnosis A Car

Eliminated in car this or that problem, in general, not difficult. And usually, relatively short-lived. This assertion, however, is valid only if three conditions are met: we know how, what and what to do. If the first two, as a rule, the problems will never occur, then the third is often a real stumbling block. First of all, it concerns the problems associated with the engine and various electronic systems, wherewith modern Cars stuffed, so to speak, on the roof. Thus, the correct identification of the causes of failures and malfunctions today came to the fore, which gives us the right to speak even of a new specialty in service station – diagnosis.

As mentioned options such as cine for the most part do not pass, in order to correctly and accurately identify the causes of trouble, need things much more complicated than your own sense of smell and hearing. The sharp increase in the number of CarEquipped with electronic fuel injection systems, has led to a noticeable increase in demand for services related to the technical condition diagnostics and repair of such Car.

In the first place especially careful diagnosis require Engine Management (OVC). Technical condition of the engine management system Car among the most important factors affecting the traction and speed indicators Car as a whole. Practical solution diagnosing the technical condition and repair COURT impossible without using special equipment, most of which are the measuring instruments. Can themselves on level ground to create all sorts of puzzles, then strained "pucker mind" in the search for answers and long torment of trying to solve the problem, what is a scan tool should be preferred. And you can go for simpler and more natural way. Just understand what equipment to diagnose engine and its systems exist today and what you can use them to learn. And also realize that to fully diagnose the engine needs a certain set of equipment. And realizing this, that make it a configuration that best fits one or another specific needs.

for "iron horse"

People get used to the computer very quickly and want him to accompany them everywhere. Today, if desired, can be computerized almost anywhere, even your own car.

Computer at home - the standard of modern life, the presence of a notebook or netbook for the average user - is not uncommon, but the phenomenon is called CarPC (computer in the car), because of its novelty, yet is exotic. Computerize your car and you can own, what will be discussed. In contrast to the on-board computers, embedded in expensive cars, homemade CarPC will cost an amount not exceeding the cost of top-end car audio Pioneer or Clarion.

Here are functions that can perform a computer in the car:

1 Plays all formats of audio and video,

2 satellite GPS-based navigation and location of the vehicle,

3 mobile internet

4 Diagnostics and tuning the engine without recourse to the automotive service

5 CCTV on the perimeter of the car.

(ArticlesBase SC #3916432)

Monday, October 25, 2010


Enter and enjoy !

Tuesday, September 28, 2010

Tips to reduce the interest rate of a car loan

car loanAuto loans involve payments of interest rates. The interest rate is based on several factors such as the credit score, down payment, and the type of vehicle you buy. Higher interests are placed on loans by bad credit holders since lender view them as high-risk customers. In case your present car financing involves higher interests, you can reduce them using the tips below.

Review the terms and conditions included in your present loan contract. Determine whether there are penalties for prepayments mentioned in the agreement or not. In case there is, try to determine how much it would cost in the event that you pay the loan off early.

Most lenders charge percentage fees based on the amount you currently owe them. For example, the remaining amount of loan left unpaid is about $5,000 and the penalty for prepayment is 1%, you need to pay the $5,000 and the $50 for the penalty. This brings your payoff amount to $5,050.

Look for refinancing loans that could reduce your monthly payments and the interest rate. Knowing the prepayment penalty and the amount still unpaid from the current lender allows you to compare this with the payments involved in the new loan.

Comparing the rates involved in your current financing or car repair loans and the possible refinancing allows the selection of better loan terms. You can use online calculators to determine the payments you need to pay for the first and the second loan. Add up the prepayment penalty into the first loan and determine which of the two allows you to save money.

After comparing both loans, accept the best offer. Do not hesitate to switch lenders when refinancing brings you more savings. Apply for refinancing and as soon as it gets approved, allow the second lender to pay your current loan off. The second lender can also issue a check which you could use to close the previous loan.

By the time the first loan is paid off, you need to pay the monthly payments to the second lender. You also need to inform the auto insurer that handles the car about the present lien holder.
(ArticlesBase SC #3363203)

Tuesday, August 24, 2010

Top 5 ways to modify your car

Having bought your new (or not so new) car, it's time to start thinking about adding a few modifications. I've put together a list of my favourite car modifications to give you a bit of inspiration.


Window Tint

Now I'm not just putting window tint at the top of the list because we're the leading UK's supplier of pre cut car window tint kits (end shameless plug), I do truly believe that it is one of the cheapest and best ways to completely transform your car. Window tint looks good on any car, from a Fiesta to a Ferrari, and you can buy DIY tint kits for around £30. Make your car really stand out by going for a siver mirrored or coloured tint like the blue tint below.


Alloy wheels

Have you ever seen a decent modified car running on standard steel wheels? No, me neither, and that's why I've put alloy wheels 2nd in our list. You're going to have to cut down on treats for the girlfriend for a few months though as alloy wheels (and the tyres you'll need on them) don't come cheap. Expect to pay anywhere from around £300 for a basic set with tyress. If you can't quite afford that, car wheel trims are a decent alternative and only a fraction of the price.



You've got your car looking all nice, but you can't have it sounding like a shopping trolley. So next on our list of top modifications is a new exhaust. These range from just a back-box to give your car a bit of a growl, to a complete exhaust system to increase performance and give your car that sporty sound. Prices for exhaust back-boxes start at around £50.


Lexus lights

It seemed at one point a few years ago, that every other car you passed had a set of Lexus lights fitted, looking pretty tacky in some cases to be fair. Together with other modifications I think they can definitely look nice, I personally prefer the Lexus lights with a darker backing (see image below) rather than the silver backed lights with looked a bit stuck on. Something else you could try if you don't want to fork out on a new set of lights is some tail light tinting spray; you'll definitely get a more unique look.


Painted brake callipers

I drive a Skoda Octavia VRS, and one of the things I still like most about it is its green brake callipers (sad I know). This will only work if you've got a set of wide spoke alloys, but it will give your car that definite sporty look. Brake calliper paint is available as either a spray can or a pot of paint. You'll probably need to take your wheels off to apply it.

(ArticlesBase SC #3111715)

Wednesday, July 21, 2010

Altima body kits - drive in style

car tuningThe family has been an important part of most person's lives. It has the closest bonds and often you share your greatest joys with the family. Yet it is perhaps that the family is all too important and one is so safe and careful about the family that products which are said to be great for a family to own, sound a bit dull. Just as a family car is not likely to send your pulse racing as a sporty coupe might.

On the other hand the family is a great source of strength and there is no reason why it cannot be associated with cutting edge exciting products. And if you take a great family car such as a Nissan Altima you can give it cutting edge exciting looks with the help of Altima body kits.

The latest Altima body kits will set your pulse racing and when you have installed them you will make the onlookers stop and stare at your car to their heart's content. Such is the dramatic effect of quality Altima body kits. Of course you have a wide range of options to choose from therefore it is not like buying the stock car where you have very limited choice of color and style.

car tuningYou can choose the material of the body kits, the style, the color and the components you wish to install. Such a wide choice means it is unlikely two people will do up their Altima car's in exactly the same way and each Altima car done up with Altima body kits will look unique and personalized. And since Altima is a family car you can take advantage of the large number of choices to be made and let the various family all give inputs. One person can choose the material, another the style a third the color and so on. The final result will be a genuine team effort and the car will be a family car in more ways than one.

You can choose the body kits conveniently by going online and when you have bought them make sure they are installed by a professional. You can see the latest Altima body kits at
(ArticlesBase SC #2868449)