How Much Car Insurance Do You Really Need in California?

Car InsuranceThe only people who think they do not need auto insurance are those who don’t have a car or never survived a serious accident before. A car accident can leave both drivers and all their passengers with steep hospital bills and large car repairs. Even if the police determine the other driver was responsible, your insurance may need to kick in to cover the amount needed for all your bills. That is why you need to take a look at the minimum amount of coverage required by the state.

Minimum Coverage for Drivers
Bodily injury insurance kicks in and covers hospital bills and other medical expenses. California law requires that drivers have a policy with a minimum coverage amount of $30,000 per accident and $15,000 per person. You’ll also need a policy that includes property damage coverage. This coverage pays out for repairs that other drivers need after you cause an accident. It can also apply to minor property damage that you do such as knocking over a neighbor’s mailbox. California law requires that you have at least $5,000 worth of property damage coverage.

What if You Don’t Have Insurance?
If a police officer pulls you over and determines that you do not have insurance, you face a large fine and a ticket. That fine can range from a few hundred dollars up to $1,000. You may have the chance to obtain auto insurance and go to court to show that policy. While the court may drop your fine, it may require that you pay all court costs. Police officers also have the right to impound your vehicle until you get insurance, which can cost you more than $100 a day.

Other Factors
Before buying online insurance in California, consider signing up for a policy that includes uninsured motorist coverage. When you are in an accident with someone who does not have insurance, you cannot get compensation from the driver’s insurer. Instead of going over that individual in court, which can take months or even years, uninsured motorist coverage will compensate you for your medical bills and property damage. California also offers under insured motorist coverage that kicks in when a responsible driver lacks the necessary amount of coverage. Shopping for insurance online lets you compare rates for major insurers for all the coverage you need in your car insurance policy.

The Car Loan Options Available For People with Bad Credit

auto financingGetting a loan can be a challenge if you have a bad credit history but, thankfully, it is not all doom and gloom. In fact, there are plenty of bad credit car loans if you do your homework properly. For people with bad credit, loan availability is not an issue anymore – what matters is the interest rate the lender will charge.

Secured and unsecured bad credit car loans

When applying for a bad credit car loan, you could choose between secured and unsecured loans. Whatever your choice, these loans are more expensive than loans available for people with good credit, but for some people this is the only loan option available.

Secured loans are cheaper

A secured bad credit car loan is always preferable to an unsecured one because it is cheaper. For starters, most lenders will not ask for a down payment, which in most cases is the biggest headache for prospective borrowers.

Even in situations where a down payment is needed, it is usually a fraction of what you would need to pay if your loan is unsecured. Moreover, the interest rate charged on the loan is much lower but this usually depends on the collateral you offer. When you use the car you are purchasing as security, the lender is assured of getting his or her money back in the event of a default, hence the low interest rate. For this reason too, the approval rate for secured bad credit loans is much higher.

Unsecured bad credit loans

Despite their shortcomings, unsecured bad credit loans might be the only option available for your auto financing. When you look at the risk that the lender takes, it is easy to understand why a higher down payment is required and also why the interest rates are high.

The long term benefits of a bad credit loan

Secured or unsecured, a bad credit loan might not only help get you the car you desire but also help improve your credit rating.

Normally, a bad credit rating will take several years to improve, but you can change this by getting a loan. The moment you start repaying on a consistent basis, your lender will translate this as a measure of responsibility and in a very short time, you’ll see marked improvement in your credit score. Chances are that by the time you finish paying your bad credit loan your credit score will help you get cheaper loans.

Get your car covered with best quality car cover

quality car coverMany believe in the fact that to take care of your car all you need to do is to send it to service center at regular interval and you are all done. It’s true that it’s just a machine and mechanical servicing is good for it, but it is also equally true that you also need to take special personal care to keep it in good condition for a longer duration. The very first step for you towards your car care is to buy good quality car covers for it. Now you may ask what to do with a car cover? Well, why you cover yourself when you go out or stay at home. It is for protecting your body from the harmful rays of sun as well as from the attack of dust in air. Same is the case with your car. To make it look gorges always and for longer duration you need to keep it covered when it is not in use, especially when you are at home and during night. This will help it to stay away from the dust particles in air and also keep it away from the harmful rays of sun which can make the color dull of the car.

There are some reputed companies like customcarcovers.com in the industry which are dealing in covers of car. You can visit the website of these companies to get an idea as which one is the best for you. There are different options available for you online. Take a tour on the website to check the material used in the making as well as the model type for which the particular car covers are available. Pick the one which suits your car requirement well and get your car covered to keep it shinning and gorgeous. Take care of your car.

Glass Repair and Replacement for All Vehicles

Glass RepairIf your car has recently sustained windshield damage, you might wonder whether replacement or repair is the best option. While auto glass repair in Gresham OR is possible in most cases, a crack longer than three inches typically indicates a need for immediate replacement. By getting a damaged windshield replaced right away, you can preserve your car’s structural integrity while keeping yourself and your passengers safe. To decide between replacement and repair, Metro Auto Glass considers the following factors.

  • Size: There are limited exceptions, but in most cases, a chip more than 3/8″ across or a crack over three inches long will require replacement.
  • Location: A crack that reaches the edge of the windshield is more likely to spread, and such windshields usually need replacement. Repairs often don’t cure clearly, and if the damage is in your line of sight, your vision could be obstructed.
  • Time: The longer a chip or crack goes unrepaired, the greater the chance that dirt build-up will make repairs difficult—and the higher the likelihood that you’ll need a windshield replacement.

Metro works with all the major insurance companies, and they’ll handle the insurance paperwork for you. Before having your windshield replaced or repaired, it’s best to call your agent to verify the proper coverage.

Getting Your Windshield Repaired

Windshield repairs are a relatively inexpensive alternative to replacement, and it can prevent small chips and cracks from becoming big ones. Repair is often recommended over replacement for these reasons:

  • It’s convenient. Metro’s team of trained technicians can usually replace a windshield in an hour or less.
  • It’s cheap. Windshield repairs are usually more economical than replacement.
  • You usually don’t have to pay a deductible. Because repairs are cheaper than replacement, many insurers waive the deductible when a client opts for repair over replacement.
  • It’s environmentally friendly. By repairing your windshield instead of replacing it, you’re keeping all that glass out of the landfill.

For a proper repair, Metro’s specialists remove any debris from the damaged area, perhaps using a drill to create a clear path for the resin. Using tools that attach to the glass’ surface, the resin is inserted into the damaged section. Following the injection, the resin cures and is polished to a high shine.

Windshield Replacement

A timely replacement is an important step in preserving your safety. Your car’s windshield makes up about 60% of the vehicle’s structural integrity in a roll-over crash, although the percentage may vary depending on the type of car. Metro performs a set of steps ensuring proper auto glass replacement in Portland OR.

  • The old windshield is removed, avoiding damage to the bonding surface and to the paint.
  • A windshield of OEM quality is selected and prepped for installation.
  • AGSC-approved glues are used during replacement.
  • The new glass is installed, following AGSC procedures. It’s best to allow the glue to cure for at least one hour before the vehicle can be driven.

As your windshield is an important structural component, it’s important to get it replaced or repaired as soon as possible after it’s damaged. Metro Auto Glass can service any type of vehicle, and most repairs can be done in an hour or even less.

Preparing Your Car for Texas Auto Transport

4-open-auto-transporterShipping a vehicle can seem deceptively simple; you either drive it or hire a transporter. Whichever choice you make, though, there are ways to prepare your car for the trip ahead. By following the tips below, you’ll be ready to go when the carrier picks your car up.

Clean it Up

Wash your vehicle thoroughly, taking photos from a variety of angles to document your car’s condition before shipment. If there’s any damage, make a note of it; the carrier will also note it on the inspection report. Carriers can’t be held liable for previous damage, as outlined in the contract.

Clean it Out

When you’re getting your car ready to ship, you should remove all of your belongings from the trunk and the interior. Most transporters don’t allow customers to move personal items with the car; they’re not licensed to move household items, the items won’t be insured during transit, and unsecured items can become dangerous projectiles during an accident.

Tighten Loose Parts

Before pickup, check the car and ensure that loose parts are tightened or removed. Whether you’re hiring auto transport California to Texas or you’re moving a short distance, auto shipping takes time and planning. By removing loose parts such as fog lights, spoilers and mirrors, you can ensure the safety of your vehicle during shipping.

Disable the Alarm

8-enclosed-luxury-car-transportYou may have done everything else on the checklist, but it’s easy to forget about the alarm system. It’s important to disconnect it, especially on overseas shipments. If you have to leave it on, or you forget to disconnect it, tell the shipper how to do so. A system that goes off during shipping won’t stop until your battery goes completely flat.

Inflate Your Tires and Charge Your Battery

When preparing your car for auto transport Texas to California, top off all fluids and tell the shipper about any leaks. If your car leaks brake fluid, oil or transmission fluid, have the leak repaired before shipment, as the leaking fluid can damage other cars and the carrier itself.

Mechanical Issues

Though it’s possible to ship a non-running car, it’s best to move them when they’re fully operational. However, if mechanical issues exist, let the carrier know beforehand. By following the tips above, you can ensure that your move is secure and safe. Reliable carriers know how to help customers get the most out of the service, and they can answer any questions you may have.