Cheap Car For You!

Having a car will make it easier for you to do all your daily work. You will easily transform in all kinds of activities and needs. Nowadays a car is also one of the must-have family needs. This will help your whole family in performing daily activities. The right car will provide maximum satisfaction and comfort for your family. If yes, you have to properly choose the right car that will handle best for your needs.

The problem occurs when you are going to purchase a car but you only have a minimum budget. You ma get confuse in solving this problem, because almost all car today is sold in high level of price. In the other hands, you will feel doubt if you choose a cheap car for your needs. Since some cheap product sometimes brings a lots trouble in the future. In case you are having a good choice of cheap car, i guarantee you will not get the wrong products. You may read the entire article below, that mostly talk about the best way in purchasing a cheap car for your needs.

Buying car is not only a matter of adding a property to your house, but also you should consider about your convenience and safety of your entire family. The safety of your children and family should be your first consideration in purchasing a car. In case purchasing a cheap car, you should properly check the whole safety system of the car, so you will not get a lot trouble in the future. The high level of price does not always give you a high safety system and warranty, so you only need to properly make sure of this safety system.

After dealing with the safety system, you can check the whole condition of car machine by testing it. You can try to drive it to make sure that all machines are functioned well, for example the machine, steering wheel, interior and other spare parts of the machine. If it is possible, you can ask about the safety test drive system to the official showroom, whether it ha already pass the test and certification or not.

Instead of those prominent matters above, you also need to be aware on the other additional part or accessories that support the whole machine condition. You should properly check the air bag system. Almost all types of car that is produced in recent years has already equipped with air bag system. This air bag is usually placed in front of the car, this part will be effectively help to safe you when your car suddenly crash or has an accident. According to the survey, this air bag system will effectively help for adult approximately 30 %, but it is also claimed can be dangerous for children. So you need to put children in the back position, instead of sitting beside the driver.

The other things you need to concern are seat belt. Since it is cheap, sometimes the seller will obey some safety system, such as the seat belt that is claimed as the best safety system for your driving. You also need to properly check the anti lock brakes that will help you to lock the car when your car crush or slip. If you are finish with this part, you can start to check the safety door and windows locks, this part will be prominent things to have, especially when you have children.

Car Insurance Estimate

All car buyer goes through a checklist before buying his new car. The most important aspects of the list are auto insurance and auto insurance estimates. A car insurance acts as protection for your car as a whole. Your insurer may offer a variety of auto insurance depending on the type of vehicle you have, the amount of coverage you need and the number of years you want coverage for, in exchange for an annual amount, known as premium insurance.

When you incur a car accident, the cost of damages the car bears is covered by the car insurance you opt for, this, however, does not include any damage incurred above the overall auto insurance amount.The value of your auto insurance estimate is calculated by the IDV or the Insured Declared Value of your vehicle; the IDV is the maximum amount the insurance company is going to pay for the damages your car incurs. The amount of IDV roughly equals to the actual market price of the car you own or the showroom price of your car. The IDV thus is not a constant value and keeps changing periodically.Upon renewal of your car insurance after a year, the value of IDV will decrease because of the amount of depreciation charged on it after a year.

What are the damages covered by the car insurance?

The car insurance will not cover all the damages your car faces, during the life of the insurance. Coverages in the US are usually seen in a cluster of three numbers separated by a dash, for example, 20/50/30 or 100/500/100. The first two numbers are usually seen for medical coverage. For 100/500/100 the insurance company policy will pay $100,000 per person up to $500,000 combined for all people. The last number covers damages made to the property, that is any other vehicle or property you hit in an accident.

A comprehensive auto insurance plan will mainly cover the following types of damages:

  • Liability Coverage:

The coverage also commonly known as casualty insurance, mainly covers bodily injuries and property damages, that is damage to your car. The amount of insurance will, however, vary from one jurisdiction to the other. The insured is also allowed to increase the amount of the insurance coverage (before the loss), to cover any loss incurred during the accident.

If in an unfortunate circumstance, you hit a telephone pole with your car. In such a case, the liability coverage covers the expenses of the damage caused to the pole. It, however, does not cover any other expenses related to the damage being caused such as disruption of services claimed by the Telephone company.

A bodily coverage covers the insured from possible injury during the accident as well as covers him or her from any third party damage caused by accident. The coverage covers the court costs and damages the insured is being sued for.

  • Full Coverage

Full coverage covers both collision and comprehensive damages done to your vehicle. The collision coverage covers the vehicle involved in collisions, by paying out for the repair of the damage incurred or by paying out the cash value of the vehicle in case the vehicle is not repairable.

Comprehensive coverage covers the vehicle from damages not ordinarily considered as collision damages. The damages covered by this coverage are damage due to theft, vandalism or impact with animals. Additionally, a lot of insurance companies also include ‘Act of God’ damages that is any damage caused by event or events caused to factors that are beyond human control, such as cyclones, tornado, tsunami etc.

Apart from the main coverages mentioned above, insurance companies in the US also provide the following coverages:

  • Damages done by uninsured/underinsured motorist (UM/UIM)
  • Loss of use
  • GAP coverages.
  • Lease/Loan Payoff.
  • Emergency Road Service Coverage.
  • Mechanical Breakdown Coverage
  • Custom Parts and Equipment Coverage.

How can you calculate a car insurance estimate?

You can follow these simple steps, to correctly get your car insurance estimate:

  • Before buying a auto, narrow down on your choices.
  • Determine the amount of coverage you’d ideally be needing. If you are buying a new car, you should go for insurance that covers collision and comprehensive damages as well. This is however not mandatory in case of a used auto.
  • Compare insurance quotes for your vehicle. Different companies will have different insurance costs for your vehicle depending on the type and market price of the model. Comparing the quotes will help you narrow down to the best insurance for your auto.
  • Make the final choice, based on the comparison chart.

What should your ideal car insurance estimate be?

There are a lot of factors that affect your car insurance estimate. Ideally, you should choose a plan and amount, which covers most of the possible damage that your auto may incur in the lifetime. The amount of insurance you chose typically should be higher than the actual cost of your overall auto.

The ultimate car insurance estimate will ultimately depend on your own choices and individual situation. It is always advisable to look at a wide range of options and companies offering auto insurance after calculating the car insurance estimate. Comparing insurance quotes, and what they cover with each other will ensure you get the most out of your auto insurance.