Buying a Car for first time ? Here are Great tips that will help you make a good decision.

I remember when I was looking for my first car, I was so excited and eager to get my hands on that wheel and drive off to the sunset. But also knew I had to take sometime to make sure I get the best deal I can find on my perfect car.

Shopping around is always a great way to start, don't listen to the sales men/women who will push to have you buy on the spot and don't ever let them pressure you to sign when you are not ready.

Buying a car is not something as simple as buying a dress or shoes where if you are not happy with it, you can simply return it for your money back.

Here are great tips I found which will help you as they helped me make a good decision when it comes to buying my first car.

Tips for First-Time Car Buyers:

1. Slow Down!

Approach the car buying business like you approach a very appealing new date. You know how careful, even hesitant you can be when you see a fascinating stranger? That attitude works really well when it comes to the car business!

2. Don't depend on the seller of a vehicle or vehicle financing to "educate" you about their business.

Lots of car people are going to want to spend time with you the moment they think you have money, or have a parent who will help you get your first car. But even the most honest seller can't really help you. So what's the message? Don't even go near a car lot until you've done your homework!

3. Don't think you have to spend a fortune to get a good car.
You don't. Many times, the best car can cost a couple of thousand or less. But there are two rules in the car business that make it very hard to buy a good, cheap car:

Most cheap cars are junk, especially if you buy them from a dealer. The dealers who exclusively sell "cheap" cars are often a lot less reputable than other used-car outlets. Plus, these sellers usually try to make too much money on their customers.
Looks don't tell you anything about the reliability of a vehicle. This is true about all vehicles, but it's more real if you're looking for a really inexpensive car.

So, how do you buy a cheap car the right way?
First, you buy it from an individual, if at all possible. (And not one selling on the curb of a vacant lot—usually a con.)
Second, you buy the simplest car you can find. For instance, if you're buying a fifteen-year-old car, don't buy one with lots of options that can break, like power windows.


4. Never buy a vehicle without checking out the cost of collision and liability insurance before you buy it.
Did you know that in many states it can cost you five times as much to insure an eight-cylinder 2-door sports car than it can to insure an identical car with a four-cylinder engine? Sellers of cars generally don't tell you things like that. FoolProof can tell you what affects the cost of insurance.

5. If your first car is going to also be your first major credit experience, don't blow it!
How you pay your first loan—even if that loan is in your parent's name or guaranteed by your parents—will affect your ability to get credit for decades. Do this right, and you'll never regret it. "Right" means never financing without comparing the dealer's contract to this credit union's contract. We'll tell you how to do that in a minute.

6. Never buy your car on your first visit. All dealerships want to sell you the first time you visit them.

Why? They make a lot more money if you don't have time to compare their deal.

7. Never fall for "spot" delivery.

When dealers are making a lot of money on you, they just love to send you home with the car the minute you sign the paperwork. Don't fall for it! Spot delivery means your emotions, not your wallet, are ruling the transaction.

8. Never buy a used car without having it checked out by a mechanic.

Most first-time car buyers spend all their money on a car, then don't have repair money for the almost inevitable problems any used car will have. Don't be that dumb: find out what's wrong with the vehicle before you buy, then budget the money you'll need to put it in good working order.

9. If you're buying used, never automatically finance with the dealer.

Here's a way to always know who is cheaper: Insist that the dealer gives you a copy of their finance contract and bring it to this credit union. If our contract isn't cheaper, we'll tell you.

10. Remember that the price of the car isn't where most sellers make their profit.
The profit is made on add-on charges. Everybody will sell you a car cheap, new or used, if you know how to ask. But those same sellers can make thousands on you in other charges. We won't let that happen.

11. Talk to us before you shop.
The minute you start thinking about new wheels, stop by one of our branches. We'll help you plan your auto attack.

12. Research your options.
See if there's more sources you need before you can buy yourself that car, don't rely on just one.
more here http://cuhq.foolproofonline.info/bayportcu/cars/12tips/

As you can see there are many things to consider when you want to buy your first car and most importantly it's to protect yourself from the hawks in dealership as well other places that wish to take advantage of you and take your money.

Hope you find this helpful

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Great Tips to Help you save Money on your Car Insurance premium

Being a driver i know how expensive it can be to get car insurance, so I was searching online for great tips to help all my blogging friends save a good deal of money on their insurance coverage.

So many different ways to save when it comes to car insurance and it's important to put in the proper time to look into your options and how you can save money off your car insurance policy with out giving up good coverage

Here are a great deal of tips i found that will help you get amazing prices when you are shopping for car insurance out there.

Multi-car

If you have more than one vehicle, having them all insured in one policy with the same company often qualifies you for a multi-car discount of 25% per vehicle on average.

Be aware that each car must be registered in your name and driven by drivers listed on the policy.

Bundling

When you combine your car insurance with other types of insurance such as renters’ or homeowners’ policies, you can usually qualify for a discount.

Not to mention, it’s a heck of a lot easier to make one payment to one company.
New Car Safety Features

When considering your purchase of a new or pre-owned car less than three years old, remember that features like passive restraint systems (airbags, motorized seat belts) can save you even more money.

Because the inclusion of safety features in new cars can qualify you for a variety of discounts, check with your insurance carrier to see which ones you can claim on your policy.

Finally, keep in mind that it’s becoming increasingly common for insurance carriers to offer discounts for alternative fuel and eco-friendly models.

Safe Driver

Many insurance providers give discounts to drivers who voluntarily elect to take a defensive driving course.

In addition, if you have a clean driving record (i.e., no accidents or moving violations for a specified number of years), you can probably take advantage of additional savings.

Finally, if your new or old vehicle is equipped with safety equipment such as antilock brakes, an alarm system or running lights, you’ll save more.

Married Driver

For whatever reason, statistics show that married drivers have fewer motor vehicle accidents than single people.

As a result, car insurance companies – who take statistics very seriously when formulating their policies – often provide married driver discounts.

If you’re already married (tip: don’t get married just to save on car insurance), ask your insurance carrier for this discount.

If you’re a newlywed, be sure to combine your beloved’s policy with yours to save more (see the multi-car discount above).

Home Ownership

Like with marriage, owning a home apparently shows insurance carriers that you are now a responsible adult.

This perceived stability also suggests that you are a more careful driver and so voila!, the home ownership discount was born. Enjoy.
Currently Insured/Early Signing

Many insurance carriers will offer a discount if you switch to them before your existing policy with another provider expires.

By not waiting until your policy ends before signing with a new provider, you can potentially knock up to 10% off your bill.

Teen Driver

Yes, usually the younger the driver, the higher the premium, however if your teen gets good grades (above a B average) or attends college more than 100 miles from home (and doesn’t bring his or her car), you can somewhat offset the cost of adding a teen to your policy.

In addition, naming your teenager as an occasional driver of your least expensive car will help you save some money.

Finally, add your son or daughter to your existing policy to take advantage of multi-car discounts.

Other

Some additional discounts your insurance carrier may not mention include savings for those in low-risk occupations, people who belong to professional organizations or the military, and buyers who opt to pay the premium all at once through auto-pay, and/or using paperless billing.

Drivers over the age of 55 may also enjoy a senior discount.

Finally, it can’t hurt to inquire about loyalty discounts, which will vary depending on how long you’ve been a customer, and renewal discounts if you renew your policy in advance of the renewal date.

While certainly not exhaustive, the above list can put you on course to save on your car insurance.

It’s also important to remember that even a company that provides the most discounts may not necessarily offer the lowest auto insurance rates, so it’s important to shop around and compare auto insurance quotes.  more here - http://blog.mint.com/consumer-iq/8-car-insurance-discounts-you-need-to-know-about-0813/

I really hope you have gotten a good idea on what you can do to save money off your car insurance. A dollar saved is a dollar earned they say and I have to agree with that, cause saving alot of money means extra money  in my pockets :)

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Bigger Savings on Car Insurance Quotes

Bigger Savings on Car Insurance Quotes


A car insurance firm that offers quotes can be perfect for budget conscious individuals who would like to save lots of money after buying a car. But of course, you have to make sure that every aspect will be considered so that the insurance policy will truly be favorable on your part in the long run. The advent of technology makes it so easy for everyone to look for cheaper deals with all the available information for them online. You just have to compare the prices of most car insurance firm that you will come across with so that you will find the one that will truly fit in to your needs. 

With the advent of technology available today, you will not have a hard time finding a good insurance company that offer bigger savings. The newest internet technology today will enable you to find a car insurance firm that offer quotes without having a hard time. Some people will find it hard to look for the best and affordable one but you will not suffer, because there are lots of great deals that are available for you to online. Some people might find it difficult to look for the best options as well because of vast choices that are laid over them but exerting some effort will surely make things easier for you along the way.

The car insurance premiums are priced with regards to the risk level of the insurer. As a car owner, you need to know all these things to be able to help you in getting the best type of car insurance in the market all the time. Some of the main factors that must be considered in getting car insurance are the model of the vehicle, the capability of the engine and the actual age of the car. You also need to know that the usage of the vehicle is also important if it will be used for private, for commercial and for corporate use. The age, gender and the work of the driver is also important along with some other information like the marital status of the driver, the years of experience of the driver and the claim history of the driver as well. All these are very important in getting car insurance, but there are still lots of things that must be considered as well.

Nevertheless, people can easily ask for quotes online through car insurance firms. You can get quotes in as easy as 1, 2 and 3. You do not need to go to the company to get quotes and there is no need to drive all the way there. It will be convenient for you to get quotes nowadays with the advent of internet technology. You can even get variety of quotes from different companies and then compare them one by one without exerting an effort. Keeping all these things in mind can be of great help to you along the way. You can also ask a car insurance agent for quotes or you can get it from the online site of the insurance company.

Tips for a lower insurance cost for Young Drivers

Tips for a lower insurance cost for Young Drivers

Young drivers do not get affordable insurance all the time; this is because they are not familiar with their options and the ways to choose the right one. In this article you will learn some of the important tips on how making the car insurance premium lower.

Be good in school

Drivers who are still in school must get high grades all the time, because there are some insurance firms that offer affordable insurance premiums for young drivers with good grades. Smart people will less likely to get involved in an accident and this is quite real on the other hand.

Buy car insurance online

If you will buy a car insurance online, you will be charged less by the insurance provider. This is the truth that drivers must face these days. When you buy online, you will not spend a lot of time and you will not pay for an agent for helping you as well. You and the insurance firm will win when you buy the insurance premium online, they will also deduct some discounts, so you can buy affordable car insurance.

Don’t drive all the time

Do you know that the more you drive, the higher the risk you will get in engaging in an accident? The insurance firms do not like this at all. You have to be more conscious with the mileage you use yearly, so you will end up with more savings.

Buy an older and inexpensive car

The truth still remains that you are young and that you have still lots of years ahead of you, you can start with the basic car first before you upgrade to a lavish one. Expensive cars will cost more than the old modeled cars.

Pay your bills on time


If you will pay your bills on time, the insurance company will think that you are a responsible person and because driving is about being a responsible individual, you can get the sympathy of the insurance company. Insurance firms may give you an affordable car insurance meant for young drivers who pay their bills on time.

How to Promote Private Liability Insurance on Cars

How to Promote  Private Liability Insurance on Cars

Car insurance is one of the most vital aspects of being a vehicle owner and this is something you shouldn’t hold back. There are important things you need to know before you jump into getting the quotes that you need for comparison of the policy and plan that you would like to acquire. If you consider finding the best, high quality and affordable policy, you shouldn’t always think that you will have a hard time because there are lots of new resources online that can be very helpful to you. Most of the websites today are offering low insurance rates and widest coverage for your needs.

With all the expensive commodities available these days, vehicle maintenance is also going up. As a vehicle owner and driver, you need to find ways on how you can save money and since you cannot save for the high cost of gas; you need to find ways of how you can save. Finding a car, insurance will be very helpful to you most, especially if you will also find a private liability insurance. One way to save is through cutting the cost of your auto insurance. A lot of people might be thinking of doing that, but they don’t know how. A lot of insurance companies today are offering cheaper car insurance deals for people to find out what type of plan they would want for their auto insurance.

Private liability insurance is suitable for everyone who would like to protect their homes, properties such as your house and everything inside it, your car and assets for the coverage of their properties. Without this type of insurance, you will have a hard time to recover for all your losses. In many cases, it helps by providing protection from financial uncertainties that may happen in the future. The internet is one of the best ways for you to find cheaper car insurance that you need for your car along with it, you also need to look for a good liability insurance company.

Did you know that a lot of insurance companies are using a variety of marketing methodologies to attract clients like you? Anyone will surely benefit from getting insurance and they will protect you from all the risks that you may encounter every day in life. This type of private liability insurance offers you the best contract regardless if you need one for your car or for your home. Regardless if you need one for your protection or just for the thought of claiming when accident arise, learning more about the marketing plan that most companies are using will also be helpful to you.

You will not have a hard time finding the best one for your needs, simply because there are lots of Private liability insurance companies offered by various companies depending on the type of policy you would like to have and the type of discount you are looking for too. This can be one of the best ways for you to lessen the amount of bills you are paying for every payday.

Getting Low Cost Auto Insurance Tips

Getting Low Cost Auto Insurance Tips

The most common type of car insurance is the comprehensive coverage. It covers any expenses of damages that are not caused by any other driver. It popularly includes natural disasters such as storms, floods or hail. It also includes animal collision, theft or vandalism. This type of auto insurance doesn’t require a minimum payment, but the entire cost is usually high. There is also insurance coverage that covers collision with other cars or objects where the driver can decide on how much to pay for this type of coverage. There is also a type of auto insurance called liability coverage, which covers any damage or liability a driver causes to another person or property. There are also specified types of car insurance for special types of cars, such as classic or vintage cars. Rented cars can also have its insurance.

Your chosen car can also determine the cost of your insurance. Usually, cars with lower costs of repair have lower yearly insurance rates. Old models that have lower priced spare parts could also be priced lower in terms of insurance. Some insurance companies give discounts if you avail of other types of insurance such as your home insurance aside from the car insurance. Car enthusiasts love to modify their car, but there are times that it would affect the cost of the insurance. It will be best to contact your insurance provider prior to making any changes to your vehicle for you to be sure if there will be any effect on your insurance coverage or prices.

Availing low cost auto insurance is possible by considering a number of things depending on the type of your car and the plan you wish to avail. But whatever your preference is, having your car insured is a great help, to avoid higher emergency costs in the future. You can never be fully secured of any road or vehicle mishaps, what you can only do is to be a careful driver, car owner and a wise insurance buyer. You can always ask for a quote from the insurance company.

You can actually compare one insurance quote to another to be able to determine the type of insurance that is best for your budget and for your overall needs as well.Vehicles are the most common valued properties being insured. This is because one can never be free of any accidents involving cars. Car owners can only do so much about being a careful driver, securing auto insurance is a common option to avoid unexpected expenses brought about by any unfortunate events. Some car owners are conscious of getting significantly low priced auto insurance, for them to avail it without hurting their pockets much.

There are so many other things that need enough budgets, and saving a great deal on car insurance could be a great help. Before deciding to settle for your chosen low cost auto insurance, it will be best to study carefully what are your needs and what type of car insurance suits you best. Car insurance differs on the types of coverage and with the rates too.

What is Car Insurance and What is it for ?

What is Car Insurance and What is it for ?

Car insurance is for your protection in case of accidents to others or damage to the property in case of an auto collision. It can also give you protection if the car is stolen. The kind of protection you have is in the insurance policy. It is a contract between you and the insurance firm, you as the client should pay for the premium to the insurance firm in exchange for the coverage you have picked. The policy sets forth what the insurance company will cover and what will not be covered.

Car insurance usually covers 4 basic things and they are the liability coverage, this is for injuries to others and damage to their properties, another is the cover for damage to your car, coverage for medical expenses and uninsured motorist coverage for certain instances where someone without insurance has caused your accident or any of your family members. There are different kinds of insurance coverage available these days, but your options may vary depending on the provider and the state where you are located.

Some of the simplified descriptions of common auto insurance coverage available these days, their limits, terms and other important detail you should know.Car insurance is a policy bought by the owner to mitigate the cost linked in getting an auto accident. Instead of paying using his/her own money for auto related accidents, he/she just pay the annual premiums to the insurance company and then the company will pay for the accident and other costs linked to the vehicle or damages.

Picking an auto insurance that will fit into your needs is so essential; you need to know some basics about it to fully understand if it fits you. In this article you will learn some information about the auto insurance and answers to some common questions as well.

The bodily injury liability coverage usually pays for the damages for injured bodies of the driver and passengers of the other vehicle if you are the one responsible for the accident. It will also give coverage to defend you if in case you are sued by the other party because of the accident. Another type is the property damage liability coverage, this pays for the general damages to the other person involved or his property when you caused the accident. This will also give coverage to defend you if you are sued in court due to the accident.

There is also the medical payment coverage, which will cover you or any of your family members for medical expenses because of a car accident. The car insurance will also cover a pedestrian if you hit him/her by accident. There are some states that also offer personal injury protection as an additional coverage to the insurance. This is better known as the no fault coverage wherein the PIP will pay for the medical expenses, loss of income, funeral and other expenses related to the accident. It pays to know the benefits you can get from car insurance if you wish to reap the advantages from your hard earned money.