Category Archives: Auto Tips

Tips For Comparing Motorcycle Insurance Plans

Motorcycle Insurance vs. Auto Insurance

You will probably find that insuring a motorcycle is quite similar to insuring any other vehicle. Since I assume that many of my readers are familiar with insuring cars, I think it is useful to compare auto and motorcycle policies.

  • If you live in the US, your state sure requires a minimum liability policy. This is to protect the finances of other vehicles on the road. In return, other vehicle operators must carry insurance to protect you. This will be true if you drive a sedan, sports car, RV, or motorcycle!
  • You may also carry more coverage to protect yourself against a loss to your own vehicle. If you still owe money on your bike, your lender will probably require you to have full coverage.
  • Your premiums can be affected by many of the same things that affect auto insurance premiums. Your age, driving record, and the type of motorcycle you ride will probably matter. The way you use your motorcycle may also matter. If you only drive it for a few hours on the week-end, you may be a low mileage rider. If you commute to work every day, on busy city freeways, you may have to pay more.

By now, you should understand that we buy policies to manage our risks. Insurers are experts at figuring out risks. So one of the biggest things that will be different about insuring a bike will be the fact that vehicle insurance companies believe that motorcycles are riskier to operate than cars.

However, insurers are smart enough to realize that a safe bike that is in the hands of a very good rider would probably be a better risk than a rattle-trap of a car in the hands of a bad driver! So there are always things you can do to shop for good coverage, and also to promote yourself as a better risk.

Simple Tips For Comparing Motorcycle Policies And Companies

As with any other type of insurance, most things are regulated at the state level. Beyond that, policies and prices vary by local area. So it is useful to compare plans in your local area. You can find some great websites that will show you the top local companies in your area. You just have to provide a zip code.

After you see the list, you are free to click through to the individual companies to find out more about their prices and coverage options. If you have questions, you will get contact information for your choices. You can call, email, or visit the companies or agents to get more detailed information. If you already pretty savvy about motorcycle policies, you can find companies that will let you buy online or over the phone. This gives you a good blend of using efficient Internet systems and requesting personal service.

You will need to figure out how much you can afford to pay for your coverage, and then balance that against how much you could afford to lose. This will help you figure out your coverage amounts and deductibles.

There is not one perfect motorcycle insurer for every rider. When you shop and compare, you can find the company that will be the best one for you!

Automotive Clutch Replacement Tips – Dos and Don’ts

Having spent several years in tech support with a company that sells manual transmissions, I have spoken with many customers that have made clutch installation mistakes that cost them dearly in terms of time, money and frustration. These tips are based on my experience with what is frequently overlooked by a novice that is installing a new clutch. This article is NOT a substitute for a good auto repair manual that is specific to the vehicle you are working on! If any of these tips contradict the information in your service manual, follow the service manual instead.

Tip # 1: Lubrication in all the right places (and none of the wrong places!) – Place a light coat of grease on the pilot tip of the input shaft and on the collar that the release bearing slides on. Wipe a VERY light coat of oil on the input shaft splines to prevent rust. Be careful to NOT get any grease on the flywheel, the clutch disc, or the pressure plate.

Tip # 2: Have the flywheel resurfaced, no matter how good it looks. It only costs a few dollars, and the risk of having to remove the transmission again because of a chattering clutch is not worth the money you might save.

Tip # 3: Replace the pilot bearing or bushing. If you don’t have a special pilot bearing puller tool, some service manuals instruct you to remove the old bearing by packing the cavity behind the bearing with grease and using a wooden dowel or old input shaft to drive the old one out. I have found that instead of grease you can use play dough, silly putty, or even some old bread, with equal or better results and way less mess!

Tip # 4: Don’t force anything! If the transmission won’t slide all the way up to the back of the bellhousing, do not draw the transmission up to the bellhousing by tightening the transmission to bellhousing bolts. I can’t tell you how many broken mounting ears and damaged pilot bearings I have seen! If the transmission will not slide all the way in to the bellhousing, then the clutch disc is misaligned or the input shaft is not going into the pilot bearing because the transmission is at an angle. Try this: Install or reattach the clutch linkage, and then have a helper depress the clutch pedal slightly while you wiggle the transmission around to get it aligned. When the clutch disc is released, it will move so that you can get the transmission aligned with the pilot bearing. I fought with a transmission for an hour one time before I thought of this, and then it took about five seconds once I had a helper step on the clutch pedal!

Before tackling your first clutch replacement, I highly recommend reading the complete procedure in a repair manual or factory service manual. Even if you are a seasoned veteran, it doesn’t hurt to take a look at a service manual if you are replacing a clutch in a vehicle you aren’t familiar with.

Used Car Selling Tips on the Internet

The internet has become a great place to buy and sell new and used automobiles. In a matter of minutes, you can advertise your vehicle for sale by posting your ad on various paid and free classified ad systems. Compared to traditional newspaper advertising, selling your car on the Internet can be easy, fast and can save you money as well.

The following are a few simple tips for selling your car on the Internet:

Research your selling price

Part of a successful sale involves a reasonable price which buyers will be interested in submitting an offer on. If your sale price is too high, buyers may not be interested in contacting you at all. Initially start by researching your local newspaper for prices for your used vehicle, you may be surprised to find a wide range in price for the particular make and model of your vehicle.

Create an email selling account

At times you may receive junk emails, you may want to separate your sales inquiries from your personal or business email account. Visit Google Mail, Yahoo Mail or Hotmail for a free email account where you can receiving inquiries and emails about the items you are selling.

Photo ads sell

People online want to see what they are buying. People look for color, condition and any additional accessories that your vehicle may have. Although you may not need to post all your car or truck photos, take as many pictures of your car in case a buyer wants to see more photos of your sales item.

Mention that it is a private sale or for sale by owner in your ad

Some people like to deal with people direct and may be apprehensive if they know they will be dealing with a dealership. Not to say anything about automotive dealerships, but it is simply a matter of personal choice.

Selling a car privetly also ensures that you will get the best possible price and the buyer will get the best possible deal.

Get your car ready

Thoroughly clean your car or truck inside and out. Buyers love a clean vehicle and it makes a great impression. Consider spending some money on having it professionally detailed.

Provide lot’s of information in your ad

Buyers want to know everything about your car: when was it built, are you the original owner, how many miles or kilometers on the vehicle, has the engine been rebuilt and more. Listing lot’s of information in your ad shows that you pay attention to detail and that you have nothing to hide when selling your car.

If you have photos of the vehicle posted on a website somewhere, provide a link to that site. Indicate to the potential buyer how to contact you; by email or by phone. Optional is to list where the car is located so that people can come and view it at their leisure. Some auto sellers even indicate what their viewing times are: mornings, evenings, weekends.

Don’t be affraid to put “OBO” (or best offer) in your ad. This tells car buyers that you are willing to negotiate the price of the vehicle and that you are ready to sell your car.

Advertise your car on internet car classified systems

There are many paid and free car classified ad system on the Internet where you can post your used car ad to. Some will accept photos while others simply offer a text ad. Initially start out by searching for local ads within your city or state. National ad systems will provide you with a larger coverage, but may also charge your for your listing.

Tips to Follow After Your Windshield Replacement

If you are looking for post windshield replacement tips, you are on the right page. Although you can get clear instructions from your technician, reading this article can also help you take care of your windshield. Read on to know more.

How long should you wait after a windshield replacement job?

You need to let the adhesive sit for a while before you use your car again. Based on the temperature, humidity, and type of adhesive, you may need to wait for less or more time. As a general rule, you need to wait for at least 60 minutes. If you use special adhesives, you need to wait a bit longer.

When should you remove the tape?

If you used the tape as part of the replacement job, you may want to let it sit for 24 hours. This way the seal will have enough time to dry and it won’t be affected by rain, dust, dirt or other types of debris. Besides, the tape keeps the windshield in place.

When should you go for a Car Wash?

Typically, car washes use extremely high water pressure to remove grime, bugs, and dirt from vehicles. And these jets may ruin the windshield if it has not dried already. If you need to wash your car within 24 hours, make sure you hand wash it instead. However, rain won’t cause a problem. So, there is no need to worry about driving in a storm.

Take It Easy

The molding and sealant are more vulnerable during the first 24 hours post the repair job. So, you might want to take it easy. You don’t need to shake anything. For instance, you may not want to slam your car door as it may cause a sudden pressure rise inside the car, which may break the windshield.

In the same way, you don’t want to go off-road or drive on rough terrain. It’s even better to leave your car windows a little gapped to allow hot air to get out. The idea is to reduce high pressure inside your car.

Opt for A Different Route

You can choose a different route if you have to drive on rough terrain. Aside from this, if you think your car won’t be safe in your current parking lot, you might want to consider a different parking area and report the damage to the owners of the parking area.

Leave A Window as it is

It’s better to leave a window cracked for a minimum of 8 hours once you have worked on one window. This way you can allow the pressure to escape as the internal pressure increases due to the heat of the sun. You might want to close your vehicle doors gently for the first one to two days.

So, if you have replaced your car windshield, we suggest that you follow these tips. This will ensure your replacement is not ruined. After all, you don’t want your effort and money go down the drain just because of your carelessness.

7 Tips To Hire A Reliable Locksmith

Locks secure our houses, vehicles and other important stuff. At times, your lock may get stuck. In this situation, you need a locksmith to get you out of trouble. But the question is, who should you call? Here are some tips for you to hire the right locksmith.

Hire a local professional

Hiring a local locksmith is less expensive. If you hire someone from a distant location, he or she may charge you for the traveling expenses as well, which will raise the total costs. On the other hand, if you hire someone from your locality, you may get in touch with him or her from time to time. As a result, you can develop trust with them.

Get referrals

You can ask around for recommendations. If you live in a small village or town, you won’t find so many locksmiths around. Your friend or neighbor may recommend a reliable professional to you. You can then meet the locksmith they recommended to see if they would suit your needs.

Go Online

Nowadays, most locksmiths have their own websites. You can check out their sites from the comfort of your home to know about their working hours, service charges and other things. This way you can know about several locksmiths in a few minutes without leaving your room.

Auto locksmiths

If you have been locked out of your car, consider an auto locksmith by surfing their website. Auto locksmiths can handle these situations very well. They will unlock your car without damaging the doorway or anything else since they are specialists.

Liability and charge

Ideally, it’s a great idea to hire an insured locksmith. This will give you a peace of mind that the insurance company will pay you in case the professional ends up damaging your property. Don’t forget to confirm the pricing prior to hiring the professional. There should be no hidden charges. You should pay what you agreed on.

Be careful

Take a look at the vehicle of the locksmith when they arrive. Does the car bear the logo or title of the company he or she works for? Before getting started, the professional should ask you for the vehicle documents. They should do so to make sure you are the real owner of the car. This is sign of a reliable and reputable locksmith.

Get ready

It is not too difficult to hire a good locksmith. If you own a car, you should get the names and contact numbers of some good locksmiths and then save the details in your phone and diary. This way you can get in touch with one in case you get into trouble down the road. Staying prepared is always a good idea.

So, you should use these 7 tips before hiring a good local locksmith. Keep in mind that it’s very important to only go for a reliable, trustworthy and experienced professional. An inexperienced professional may end up causing a severe damage to your car or house lock and you will have to bear huge costs. Hope these tips will help.

7 Pirates of the Burning Sea Tips You Need to Know

Pirates of the Burning Sea is a complex game. It’s easy for players to overlook some of the simplest game options as they play. We’ve come with a list of 7 simple things you can do to make your gaming experience much better. Make more money, kill enemies easier, and level up quicker by using the following tips:

1. AUTO-FIRE: If you hold down control and then left-click on your ‘Fire Cannons’ icon in your tool-bar, you can set your guns to fire as soon as they are loaded. They will only fire on targets you have selected, so make sure you know who you want to fire at before you try this.

2. DUAL BROADSIDES: You can not only set your guns to auto-fire, but you can also fire on targets that you have not selected. If you have one target selected and are firing at it, but another comes into range on the other side of your ship, you can fire at them as well just by double right-clicking them. This is great when the enemy is all around you and you want to maximize your firepower.

3. HALF-STRENGTH BROADSIDE: You don’t have to wait until your guns are all reloaded. If your gunners are half-loaded (signified by the small circle near the battery icon), you can hold down ALT and left-click on the battery you want to fire. Very good if you are getting to the point where every shot counts.

4. PARTIAL AUCTION HOUSE ORDERS: The Auction House in POTBS is not like other games. There are no ‘buyout’ prices, and if you offer more than the item’s price, that’s how much it will sell for. But, you usually find a good deal on multiple items if you select the ‘partial’ option. Try to pick up partial orders for fractions of the price, as people will often try to get rid of small lots just to make room in their inventory.

5. PRIVATE CHAT: If you want to send someone a private message, just click on their name in the chat window.

6. GENERAL SKILLS TRAINER: You can improve your Sailing, Maneuvering and Gunnery focus skills by visiting the General Trainer located in your nation’s capital. Improving these skills requires 1 skill point, but it is very much worth the expense.

7. AVOID THE JUNK DEALER: A lot of players first buy their ammunition and consumables from the Junk Dealer. DON’T!! You can get these items for much less at the Auction House. Even if you have to make a short trip to a nearby port to get them, it’s almost always better than getting them from the Junk Dealer.

Tips On How To Get The Best Car Accident Lawyer

Exactly how do you find the best car accident lawyer in town? How do you know you hired the best one? Why are you certain that your lawyer have the characteristics and qualifications that can win your case in the courtroom? Are you sure he can respond to all your questions and assist all of your matters? Can he really defend both you and your right? Automobile accidents are definitely one of the leading causes of injuries in most countries. If you have been hurt in an automobile accident, the consequences can be life-changing. A good car accident injury lawyer can make a difference in your recovery as well as your right to monetary compensation. Continue reading on this article to learn more about an excellent car accident attorney.

As a legal matter, a car accident happens whenever a passenger car is involved in an event or series of events which causes harm, such as property damage, traumatic brain injury or even death. In the year 2005, 82 % of automobile accidents involved in an accident with another vehicle and the other 18 % involved accidents with immobile objects and other non-motorized items, as per the NHTSA. The majority of motor vehicle accidents involved an element of carelessness, corresponding with a traffic law violation.

There are lots of paperwork that you’ll need prior to filing your claim, and there also are some things that you must make sure you do before the case against the other side is began. Before filing your claim it is necessary that you have checked your insurance policy to ensure that you know the degree of your coverage. This will tell you whether or not the insurance firms will cover a replacement car, if needed, whether or not they will take care of your medical expenses, and also the extent of the information you will have to disclose to them with regards to your employment and medical backgrounds.

Insurance firms often handle routine auto accident claims, many of which involve property damage only. However, accidents involving really serious forms of injury, such as closed head injury, often need assistance that only an auto accident lawyer can provide. In these circumstances, a car accident lawyer can help identify your legal rights and facilitate any claims you could have to compensation higher than the initial settlement. Such lawyers can significantly assist you in terms of getting damages and indemnification against the guilty parties, whoever they may be. Car Accident attorneys are the lawyers focusing in all types of car crashes.

There are thousands of attorneys out there and although you may be overwhelmed by the sum of choices that you’ve got, there are possibilities that you will not get to select the best car accident lawyer around. One of those signs is a lawyer who focuses primarily on a huge variety of cases. They may have general experience in litigation, but what you want is someone who knows car accident cases extremely well. Be sure that your lawyer has a professional looking office, that’s well manned, and that they have web presence.

7 Tips to Help You Buy Cheap Motorcycle Insurance

It’s important that you the best value for your money when it comes to buying a motorbike insurance policy. Keep in mind that a cheap policy may not provide enough coverage. Given below are a few tips that may help you save money on your motorcycle insurance. Read on to find out more.

Choose a Less Expensive Bike

Older or smaller bikes don’t use that much power as they use smaller engines. As a result, your insurance policy will also be cheap. Actually, most motorbikes are easier to maintain and replace. Aside from this, smaller vehicles don’t cause a lot of injury or damage in an accident. On the other hand, this may not be the case with classic or expensive bikes.

Avoid Modified Motorbikes

Your premiums will put more burdens on your wallet if you have a modified bike. The reason is that these modifications can make it more costly to repair or replace your bike. Plus, these bikes are easier for thieves to steal.

Aside from this, imported vehicles are also more costly when it comes to insurance. Therefore, it’s much better to avoid buying unusual or modified vehicles if you want to be on the safe side.

Limit your Mileage

If you do a lot of riding on your motorcycle, you will have to pay higher insurance premiums. The reason is that you won’t have to go to your insurer to get the repair money. So, limiting your mileage is a great idea.

Pay Annually

You can save a lot of money if you choose to pay your insurance premium in one installment. The reason is that this method will allow you to avoid paying interest.

Improve the Security of your Motorbike

By improving your motorcycle’s security, you can save a lot of money on your insurance policy. Therefore, you may want to equip your vehicle with immobilizer and alarms in order to keep thieves away. Aside from this, you may install a tracker as well. This will help get your bike back if someone steals it.

Although this will cost you money, the money saved on your insurance policy will be much higher.

Park in a Safe Place

You may want to keep your bike in a secure place like your shed or garage. This way your vehicle will be much safer.

Mention the Main Rider of your Motorcycle

If you have an inexperienced or young rider on your insurance policy, you may have to pay higher insurance premiums. On the other hand, an experienced rider will have to pay lower premiums.

Therefore, what you need to do is clearly state the primary rider of your motorcycle. And if you don’t follow this tip, it will be taken as a type of insurance fraud, which will result in your claims being rejected.

In short, these are a few tips that you may want to follow if you are going to buy a motorcycle insurance policy. Hopefully, with these tips, you can buy a cheap insurance policy.

FR44 Insurance in Florida: Smart Tips and Helpful Hints

It has only been since 2008 that Florida requires FR44 insurance for their DUI drivers. Many agents and most consumers are unfamiliar with this policy type. The information here is not well-known and is invaluable to convicted drivers. Securing a lower cost policy and getting your license reinstated quickly is not a problem when you have the right information.

Many companies desire these polices. As a risk group, DUI drivers in Florida have recently proven to be especially profitable for insurance companies. This new realization comes about due to the ease of identifying and assigning results exclusive to DUI drivers because, they are the only ones that require FR44 insurance. Prior to 2008, DUI drivers were included with all other high risk drivers and required Florida SR22 insurance.

The State requirements for FR44 insurance policies, such as elevated liability limits, non-cancel provision, and others, are such that help make them profitable for companies. Therefore, a good number of them are competing with FR44 insurance quotes that have low rates and good terms.

Companies include key policy discounts. Car insurance policies include substantial discounts for high liability limits, paying in advance, and having prior coverage. Even though a DUI driver is mandated to take these options via Florida FR44 insurance, the associated policy discounts are applied. Companies simply make no distinction between drivers voluntarily choosing these options and those compelled to do so. Secure every discount to achieve the lowest rate available and let go of any notion that you do not qualify for any because of a DUI on your record. Policyholders are often surprised and relieved at how affordable FR44 insurance is after discounts are applied.

Several policy types qualify for FR44 filing. A standard car insurance policy, a non-owned vehicle policy, and a recreational vehicle policy are the main types that can include a Florida FR44 filing. Vehicles with less than four wheels are not required to have $10,000 of Personal Injury Protection coverage (PIP insurance) included in their policy which is mandatory for all cars and trucks in Florida, and it is very expensive. A non-owned vehicle policy also excludes PIP. Rates vary greatly between policy types and many consider changing their vehicle or doing without one, especially to take advantage of not having to buy costly PIP coverage. You can receive a citation while driving any type of vehicle. You can comply with Florida FR44 insurance requirements on any type of vehicle, or without one altogether.The State no longer accepts a filing on polices that have vehicles with less than four wheels.

Beware the DMV and Driver License Check Online. Before you can reinstate your license at the DMV the FR44 filing must be electronically transmitted by the insurance company to the Florida Bureau of Financial Responsibility and processing takes about 48 hours. Some drivers have presented a hard copy of the FR44 certificate, to the right clerk at the DMV, and got their license reinstated immediately. It is not uncommon that various clerks at the same DMV location will handle the FR44 reinstatement differently. Even though they are no longer supposed to accept them in person, you might get lucky and walk away with your license too.

Florida’s driver license check online ( https://services.flhsmv.gov/DLCheck/ ) is where many go to retrieve their FR44 case number to be submitted with the insurance application. Once your FR44 has been filed and your license reinstated, if you subsequently check your status online it will show as valid without restrictions or suspensions listed. It is easy to see why many policyholders have prematurely removed the FR44 filing from their policy and subjected themselves to a new suspension and reinstatement fee. When the filing period will expire within 60 days or less a policyholder can submit proof of qualifying converges and limits on company letterhead and substitute this instead of the FR44 certificate.

Expect more from your agent and company. Some companies do not offer new policies with FR44 filing and others cancel existing policyholders who need one. This makes no sense at all because of the profitable results companies enjoy from FR44 polices. Never the less, do not be surprised nor discouraged if you receive a cancel notice or a non-renewal from your current company after receiving a DUI. You can find a reasonable rate and get back on the road with a valid license quickly, as long as you have all the correct information. With such knowledge, you will have no problem finding the right type of policy, from a company you can afford and rely upon.

Car Insurance for Bad Drivers: Four Tips for Lower Rates

If you have bad credit or at fault accidents on your record you probably know that car insurance for bad drivers can be very expensive. Your rates will always be higher than those of someone with good credit and a clean driving record. However, it is possible to get car insurance for bad drivers at reasonable rates. Consider the following five things you should do if you are classified as a bad driver.

Repair Your Credit Report

There are several steps you can take to fix your credit report ratings and score. The following options will get you back on track quickly.

• Pay off any negative items on your credit report.

• Establish new positive credit with prepaid credit cards.

• Take out a new loan and make monthly payments on time.

• Review your report to make sure everything is accurate.

• Update your information with credit bureaus, such as address, phone number, and place of employment.

Improving your credit score can help lower your car insurance for bad driver’s rates. After all half of the cost of your car insurance comes from the rating on your credit report.

Complete a Driver Training Course

Many states offer adult driver training courses. These courses are like a driver’s education for adults. With these courses you can improve your driving skills. If you have had moving violations or at-fault accidents this course can help you learn to drive safer. Learning to drive appropriately will help you avoid any future tickets and hopefully keep you out of future wrecks.

However, these courses also provide you with documentation that you have passed the course and are supposedly a better driver. You can submit this information to your car insurance company. Hopefully your car insurance company will give you a break on your premium due to the fact that you are trying to be a better driver.

Choose a Company with Accident Forgiveness

Many companies offer accident forgiveness today. For each year that you don’t have an accident your insurance rates will decrease. This usually lasts for five years. On some cases you have to be with the company when you have the accident for them to forgive it. However, some companies will allow you to join the program even if you had the accident while you were with a different company.

Shop Around for the Best Rates

Getting the best rate can take time and patience. But if you are prepared to do your homework and compare rates you can lower your premium. Start by searching online, by your zip code, for affordable companies. You can complete car insurance for bad driver’s comparisons of five or more companies at the same time. Once you have the comparison available you need to make sure you are comparing similar quotes.

Check to make sure each quote you compare offers the same deductible, comprehensive or liability coverage levels, and the same medical coverage. One company may offer dirt cheap rates but the coverage levels are way lower than the other companies.

As you can see there are several options for affordable car insurance for bad drivers. The key is to be proactive about finding car insurance you can afford. Companies are going to give you high rates if they think you aren’t aware of your options.