Why Do I Actually Need Auto Insurance

Car insuranceI am not a bad driver. Why do I actually need auto insurance? This is the reasoning behind many people refusing to pay a monthly fee to an insurance company to protect their car from a possible accident or damages. The choice can also be influenced by personal financial circumstances.

A few reasons to consider if you are one of the people preferring to refrain from a monthly payment to protect your car from something that might or might not happen in the near future:

1. In many countries it is illegal to drive without auto insurance.

It is best to investigate your country’s stipulations regarding auto insurance. You don’t want a nasty surprise the next time an officer pulls you over.

2. Even if the accident is not your fault you are still going to be held liable.

The purpose of insurance is to have coverage in the event of an unforeseen accident. In other words, you might be a good driver, but there are plenty of reckless drivers out there.

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3. Protection for you in a worst-case scenario.

Auto insurance creates a safe-guard for your assets and the property of others. What if you get into an accident and you, your passengers and others are badly hurt, requiring lengthy hospital stays? Paying insurance is more than just obeying the law; it is about protecting your family.

4. Pay a small monthly fee now to save a lot later.

Even if you are an impeccable driver, unfortunately you are not alone on the roads and there are other drivers making silly mistakes that can affect you. Accidents range from a small bump to a total vehicle write off, and to even fix a small bump can be very costly. Most insurance companies offer the benefit of only paying a small excess fee when your car gets fixed, instead of having to cover the total cost all on your own.

5. Saving time and inconvenience when accidents happen.

Your auto insurance company will assist you with the unpleasant post-accident process, like dealing with the other driver’s insurer, completing the claims process, helping you find a good repair shop and getting your claim settled swiftly and fairly. If the other driver doesn’t have auto insurance, your insurance company can also help you recover costs through your policy’s uninsured motorist coverage.

6. Your auto insurance can supplement your health insurance.

If you are injured in a car accident and have insufficient health insurance or none at all, your auto insurance can help. Most insurance companies offer coverage that cover injuries you sustain as a driver or passenger.

It might seem that you are saving a lot per month by not paying for insurance that will only benefit you in an emergency that might never happen, but in the long run you will benefit from the investment. It will give you peace of mind to travel around carefree, knowing that you are safe from the mistakes of unpredictable reckless drivers.

Ten Tips for SUV Owners

2014-GL-CLASS-SUV-023-MCFOIt’s a rare motorist who doesn’t have strong feelings about today’s sport utility vehicles. Love ’em or hate ’em, one thing is certain-just like their automobile cousins, SUVs last longer, operate more efficiently, and command a higher resale value when they are properly maintained and serviced.

For those too busy or too overwhelmed by modern vehicles to perform their own maintenance, the pros at the non-profit National Institute for Automotive Service Excellence (ASE) offer some advice on choosing a repair establishment:

  • Start shopping for a repair facility before you need one.
  • Ask friends and associates for recommendations; consult local consumer organizations.
  • Arrange for alternate transportation in advance so you will not feel forced to choose a shop based solely on location.
  • Look for a neat, well organized facility, with vehicles in the parking lot equal in value to your own and modern equipment in the service bays.
  • Look for a courteous staff, with a service writer willing to answer all of your questions.
  • Look for posted policies regarding labor rates, diagnostic fees, guarantees, acceptable methods of payment, etc.
  • Ask if the repair facility usually handles your type of repair work.
  • Start off with a minor job and progress to more complex work if you are pleased with the establishment.
  • Look for signs of professionalism in the customer service area such as civic, community, or customer service awards.
  • Look for evidence of qualified technicians: trade school diplomas, certificates of advanced course work, and certification of the technicians by ASE.

 

For ASE’s Glove Box Tips, click here.

The National Institute for Automotive Service Excellence (ASE) was founded in 1972 as a non-profit, independent organization dedicated to improving the quality of automotive service and repair through the voluntary testing and certification of automotive technicians. ASE-certified technicians wear blue and white ASE shoulder insignia and carry credentials listing their exact area(s) of certification. Their employers often display the blue and white ASE sign.

Gas Saving Tips for Your Auto

Closeup refuel gasoline in gas-station on white background

Gas-Saving Tips for Your Auto

While it is always wise to conserve natural resources, the recent price of gasoline has made even the most wasteful people think twice. Whatever your motivation, here are some gas saving tips from the pros at the National Institute for Automotive Service Excellence (ASE).

Monitor tires. Under inflated tires or poorly aligned wheels waste fuel by forcing the engine to work harder. (Let the tires cool down before checking the air pressure.) Out-of-line wheels, as evidenced by uneven tread wear, should be aligned by a professional.

Remove excess weight. Remove unnecessary items from the vehicle. Store only essentials in the trunk. Less weight means better mileage.

Consolidate trips and errands. Some trips may be unnecessary. Also, try to travel when traffic is light so you can avoid stop-and-go conditions.

Avoid excessive idling. Shut off the engine while waiting for friends and family.

Observe speed limits. Speeding decreases your miles per gallon.

Drive gently. Sudden accelerations guzzle gas. Anticipate traffic patterns ahead and adjust your speed gradually.

Use windows and air conditioning wisely. Your mileage should improve if you keep the windows closed at highway speeds, since air drag is reduced. This is true even with the air conditioning on-assuming that the system is in good working order. But turn the air conditioning off in stop-and-go traffic to save fuel.

Keep your engine “tuned up.” A well-maintained engine operates at peak efficiency, maximizing gas mileage. Follow the service schedules listed in the owner’s manual. Replace filters and fluids as recommended; have engine performance problems (rough idling, poor acceleration, etc.) corrected at a repair facility. Given today’s high-tech engines, it’s wise to have this type of work done by auto technicians who are ASE certified in engine performance.

These conservation tips will not only save gasoline, they’ll help extend the life of your vehicle. Win-win, indeed.

For ASE’s Glove Box Tips, click here.

The National Institute for Automotive Service Excellence (ASE) was founded in 1972 as a non-profit, independent organization dedicated to improving the quality of automotive service and repair through the voluntary testing and certification of automotive technicians. ASE-certified technicians wear blue and white ASE shoulder insignia and carry credentials listing their exact area(s) of certification. Their employers often display the blue and white ASE sign.

Protect Your Auto Investment

People pass row of Volkswagen e-Golf cars during company's annual news conference in BerlinIf you’ve ever wondered what it takes to be an ASE-certified automotive technician, consider this: In the span of one career, automotive engine technology alone has advanced from purely mechanical devices that need periodic adjustments to sophisticated, computer-controlled systems that can actually compensate for normal wear.

The same can be said for virtually every major system on today’s vehicles, from brakes to transmissions. And the technicians who service and maintain our vehicle fleet have had to learn it all. In fact, to be an ASE-certified automotive technician today is to commit to a lifetime of training just to keep abreast of changing technology.

Maintenance more necessary than ever before
Modern vehicles are wonders of engineering. In just the past decade, maintenance intervals for things like spark plugs, emissions and cooling systems have been stretched out to 100,000 miles in some vehicles.

But the need for periodic maintenance hasn’t changed. In fact, given the longer life expectancy of today’s vehicles, the need for periodic maintenance has never been greater if you expect to get the most from what has become the second biggest investment most individuals will ever make.

To protect this investment and to get the maximum reliability and safety from the vehicle you depend upon daily, you need to establish and follow a maintenance plan. The best place to start a maintenance program is by reading your owner’s manual. In it you will find the manufacturer’s recommended maintenance schedule.

This schedule is based on “normal” driving, but remember that very few of us drive “normally.” The roads are typically dusty and strewn with potholes and speed bumps. Look at the manufacturer’s recommended maintenance schedule as a starting point for your vehicle maintenance plan, not the final authority.

The National Institute for Automotive Service Excellence (ASE), the non-profit organization that tests and certifies the competence of individual automotive repair technicians, knows a few things about vehicle maintenance too. ASE offers some general recommendations, which apply to all types of cars and trucks, to help you build a comprehensive vehicle maintenance plan.

Lube for life
The engine is the heart of your vehicle and probably the most costly to repair when something goes wrong. Modern electronic controls have eliminated a lot of adjustments, and what we used to call a “tune-up” has evolved into something akin to a complete physical, where most of the work involved is designed to verify proper operation of computer control systems.

While it’s true that new cars and trucks run cleaner than ever before, the engine and all its related control systems must be kept operating exactly as designed to prevent increased engine emissions and a host of driveability problems.

The one thing experts agree on that you can do to add many miles to your engine is regular oil and filter changes. Most auto manufacturers recommend oil and filter changes every 7,500 miles or six months under “normal” conditions, but repair experts believe a better interval is every 3,000 miles or three months. By changing the oil regularly, the inside of your engine will stay clean, and you’ll avoid damaging sludge buildup.

Keeping cool
Today’s cars also tend to run hotter than previous models. With the trend to downsize vehicle components to save space and weight, cooling system components are being asked to do more than their older counterparts.

The best thing you can do to maintain the cooling system at peak efficiency during the life of your car is to replace the coolant according to the manufacturer’s recommendations. Although some of the newer coolants last longer, antifreeze does wear out. By replacing the coolant periodically, you insure that the corrosion inhibitors are fresh and are helping to eliminate the scale and corrosion that builds up inside the cooling system.

Fluid facts
Probably the most ignored fluid in the car — and the most important — is the brake fluid. Brake fluid is not a petroleum-based product, so it does absorb moisture from the air. This hygroscopic quality diminishes its effectiveness and lowers braking performance.

Sludge will also build up over a period of time, blocking the valves inside antilock brake (ABS) units and resulting in costly repairs or replacement. In addition, this sludge may cause calipers and wheel cylinders to leak, also resulting in repairs or replacement. Experts recommend having the brake fluid flushed and refilled periodically, although manufacturer recommendations vary as to how often.

The transmission fluid also needs to be changed on a regular basis to help keep the transmission in tip-top shape. Here again, some manufacturers have increased maintenance intervals to 100,000 miles for transmission fluid changes, but these systems still need periodic maintenance. Most transmission failures can be directly traced to a lack of maintenance. When planning your maintenance schedule, consider that even one transmission replacement will probably greatly exceed the cost of all the fluid and filter changes for the entire life of the car.

Power steering is another fluid that is often ignored. It is recommended that it be flushed and refilled at least as often as you replace the brake fluid.

Replacing the differential fluid is something that is most often overlooked. A regular fluid change will help the differential last the life of the vehicle. If your vehicle is four-wheel drive or all-wheel drive, change the transfer case fluid as well.

Get out the grit
Filters play a critical part of a regular vehicle maintenance plan. Air and fuel filters keep dirt and abrasive grit out of the engine. Problems arise when these filters get dirty and start to clog up. Many driveability problems, such as hesitation and rough idle, can stem from dirty air and fuel filters. For maximum effectiveness, they should be replaced about every 15,000 miles, but driving in dusty conditions can require more frequent air filter changes.

A filter that is often overlooked is the carbon canister filter. It is an important part of the emission control system and filters the incoming air that this system uses. The canister is an integral part of today’s engine management system, and a clogged canister filter can also result in driveability or emissions problems.

Some cars still have a positive crankcase ventilation (PCV) filter, also called a breather element. This filters the air for the PCV system to ensure clean air enters the engine crankcase. Most cars today draw air for the PCV system from the air cleaner housing so this filter is not needed, but if your engine has one, replace it at 15,000 mile intervals as well.

Speaking of the PCV system, the PCV valve (if equipped) should be replaced on a regular basis, too. When you put the new PCV filter in, replace the PCV valve as well. Many cars now use a metered orifice instead of a PCV valve and this should be checked periodically for free flow.

Today’s ‘tune-up’
Ignition systems have become much more reliable over the years. Many engines don’t even have distributors anymore; they use a DIS or Direct Ignition System. These systems can either mount one ignition coil on each spark plug, or share one coil for two plugs, thus eliminating the need of a distributor.

On engines that still use a distributor, it is a good idea to replace the distributor cap, distributor rotor and ignition wires according to the manufacturer’s recommendations.

The spark plugs need to be replaced on a regular basis as well. Even though some manufacturers have extended those intervals to 100,000 miles, this doesn’t apply to all engines. The best plug to use is the one the manufacturer recommends. This information is usually found on an engine decal located under the hood.

Belt basics
Perhaps the most critical engine component these days is the timing belt. Most manufacturers suggest replacing the timing belt every 60,000 miles.

Not all engines use a timing belt, but on those that do, it’s critical that it be replaced before it breaks. If your car has an interference engine where the valves and pistons occupy the same place in the combustion chamber at different times, serious engine damage can occur if the belt breaks while operating. If your car has a non-interference engine, the worst that will happen is you get stranded somewhere.

Other engine drive belts should be checked on a regular basis — about as often as you change oil. In general, you should look for excessively cracked, glazed or frayed belts. Many accessories — including the alternator, power steering pump and coolant pump — are operated by drive belts. If these belts break or slip, the components they drive will fail to work, leaving you stranded.

One more thing to check while you’re looking at the belts is the battery. Virtually all batteries are maintenance-free these days, except for a periodic terminal cleaning and inspection for cracks or leaks. In addition, ensure the battery is mounted securely.

Tire tips
Tires are one of the most important maintenance items under your car. The best way to get the most out of your tires is by having them rotated and balanced on a regular basis, about every 7,500 miles. This ensures they wear evenly and last as long as possible.

Balancing is important to eliminate vibration at road speeds, and a properly balanced tire reduces the stress and strain on shocks, struts and steering parts. Keeping the tire pressures set to specification will also go a long way in extending tire life and fuel economy.

Seeing clearly
Finally, you should get in the habit of replacing your wiper blades once a year. The Car Care Council recommends replacing them each spring, when you set your clocks forward for Daylight Savings Time.

Wiper refills are the most inexpensive safety feature on your vehicle. And if you doubt having good wipers is a safety feature, try driving with bad ones in a downpour at night.

If you live in an area that suffers cold and snowy winters, you may want to change to winter blades in the fall and go back to regular blades in the spring.

Following a regular vehicle maintenance program is the best insurance you have against unexpected breakdowns and expensive repairs. It also pays dividends by allowing you to get the most out of your transportation investment.

With a little forethought and TLC, that family chariot can reliably deliver a couple of hundred thousand miles of service.

Automotive Accessories: Making Sure Your Vehicle is Properly Outfitted for the Road Ahead

It’s 7:30 AM, and you’re rushing to get to work. You’re already frazzled as you throw on your shoes, make sure you’ve packed everything you need for the busy day ahead, and head out the door. You lock the front door behind you, and walk out into the driveway towards your car. You get in and try to start it.

Nothing.

Your battery is dead, and you’re going to be very late.

To avoid this disaster, you need to prepare. In particular, it’s important to be sure you have the right tools available in an emergency. When you experience a dead battery first thing in the morning, the most useful tool to have handy is a set of jumper cables, so a friend or neighbour can jump-start your car and at least get you to work with the car battery you already have. But this kind of emergency is a major warning that you should have your battery checked out by a mechanic as soon as possible.

Car batteries are responsible for starting the engine and continuing to provide electricity as you drive. Automotive batteries release a quick burst of energy, and then recharge themselves from the power of the motor. But batteries cannot be expected to work consistently and without problems if you don’t regularly check them and care for them.

It’s also important to know what you’re getting when you buy a new battery, and what to expect from it in the long run. Several automotive industry companies have started to focus on specific product niches. They provide a single type of component, but they provide it in multiple designs and styles for multiple user needs and various automobile makes and models. Therefore, you’ll be able to ensure that what you purchase will be ideal for your particular car and will function within the particular time frame you have in mind.

Types of Batteries

There are several different types of car batteries on the market today for every variety of car and van. All of these perform slightly different and have different features. The major types of automotive and van batteries include gel, lead acid, lead acid AGM, and lead acid EFB. The battery type tells you the peak power that it can potentially provide. However, there are also other factors to consider. Depending on your personal preferences, these variations can boast features like heavy-duty durability, low maintenance, high power, peak performance, and high vibration resistance. Most companies also offer guarantees that typically last for a few years after purchase. Prices on these products can vary considerably depending on the kind of battery that will best suit your needs. Batteries will cost between £20 and £100 and average about £30.

Features to Consider

When investing in a new battery, it is important to look at some critical general features as well as your particular needs. If durability is your main concern or if you have a larger vehicle, then a heavy-duty, high-power battery is the best option. On the other hand, if you have a smaller vehicle and are looking to stay more cost-effective, a smaller, low-maintenance battery can suit your needs very satisfactorily. To summarize, you can relax by keeping in mind that there is an appropriate battery out there for your car that will meet your particular needs and will serve you well for years to come.

6Causes car engine lack power

There are things a fuel engine requires to make power and any engine issue will come down to something relating to one of these four segments.

Throttle position sensor

The function of throttle postion sensor is to control engine speed via accelearator pedal connected to the ECM and alculate the open/close the valve angle on throttle body. If the throttle position sensor malfunction, the engine become lack power, Delayed Acceleration/Jerking, Random Stalling and so on.

Fuel Injectors

Ceased up fuel injectors make a course of issues. Stores can create on the injectors after some time from warmth douse or poor fuel. Little constraints can realize the O2 sensors to examine a grade mix, in this way more fuel will be added to change. This can realize a rich mix for the barrels without injector issues (which has its own specific results), or despite failing if the injector isn’t prepared for mixing enough fuel. Finally, you require suitable control of fuel implantation for most prominent execution.

Fuel Pumps

Additional time the fuel pump can decimate, be that as it may it may not as is normally done miss the mark disastrously. While it may even now have the ability to supply fuel at lower weights, it may begin to fight to give fuel at higher weights or for more terms. If your vehicle loses power under overpowering expanding speed, or voyaging intense, or sputters while keeping up a quick, it could be the outcome of a worn out fuel pump.

For old engines, keeping up weight can be a touch of test. Weight related issues are every now and again an essential contributing variable to lost power, and the fixes aren’t as straightforward as a bit of exchange reasons, just in light of the fact that metal parts have worn after some time. There are a couple of particular ways an engine can lose weight:

Worn Piston Rings

One of the noteworthy things that can happen after some time is the barrel rings will destroy, and this will consider leave behind. A bit of the high weight air and fuel mix combusting will pass by the barrels and come the chamber dividers into the wrench case. This is weight that should press the chamber down, so power is lost. It also infers less weight as a bit of the air can escape as the barrel wanders upward on the confirmation stroke. With leave behind in the wake of smoldering, the oil will spoil essentially all the more quickly as the symptoms of ignition enter the wrench case.

Carbon Deposits On Intake Valves/Valve Seats

If carbon stores create on the valves or valve arranges, this can keep the valves from closing properly. In case a confirmation valve can’t totally close, it will allow air to maintain a strategic distance from in the midst of the weight stroke, suitably cutting down the weight extent. This could in like manner realize reverse releases as the air/fuel mix goes past the affirmation valve in the midst of smoldering. Drain valves that can’t close honest to goodness will similarly achieve a lower effective weight extent.

Want to find a trustworthy van dealer? Check out West Sussex

trustworthy van dealer

If you’re currently planning to buy a usedvan, you’ll no doubt know this is no easy task, especially for those of uswho are not mechanisally minded.But it doesn’t have to be the insurmountable feat that some make it out to be. In fact, it can be relatively straightforward, though this requires you to find a van dealer of some worth. In order to make sure that you find a decent place, you need to search for one in the right location.

The south of England is a good place to look and if you West Sussex based, Southern Motor Group Cowfold Van Sales is a shining example of the quality offerings that they have there. You need to have confidence and reassurance when you are looking for a van and buying one in West Sussex is a fantastic way of making sure that this is the case. If you’re planning on using the vehicle in your business, you’ll want to know that it’s not only a quality vehicle, but you’ve also been able to secure the lowest prices.

Why West Sussex could be perfect for you

There’s no denying that there needs to be a great deal of trust that a customer should have with a van dealer. That’s why West Sussex is an advisable place to look because you can be assured of a team that is experienced, trustworthy and, above all, extremely professional. You need to be guaranteed value for money and used van dealers in this area will make sure this happens.

Not only can dealers in this area be relied on to actually sell a vehicle, but they will also most likely be able to offer you MOT & Services, as well as accessories and other parts that you may require at some point. It’s always worth giving places an extensive look, so take your time and browse West Sussex until you find somewhere that you think would be the ideal place to buy from.

Make sure to check out West Sussex

If you are in need of a good van dealer, but are unsure about where to look for one, then be sure to try West Sussex because it could just be exactly what you are looking for. There are so many great places in this area that you will have no trouble finding a used van dealer that is reliable and you can trust.

If you’re searching for a car sale, try Hampshire

Finding the perfect car can prove to be quite difficult. It’s an important purchase and certainly not one that you want to perform hastily. That’s why, when it comes to searching for cars for sale, we like to take our time with it. In Hampshire, this is made simpler by the ease at which you can find such offers and the fantastic bargains that are around.

 

Searching for cars that are for sale in Hampshire couldn’t be more straightforward. There is so much choice when it comes to this field that you should find what you are looking for in no time at all. You will no doubt be amazed at just what is on offer in this county.

 

As easy as you could hope for

 

In terms of the actual search, it’s almost effortless considering the technology we have at our disposal. You don’t even have to leave your house until you are absolutely sure you have found the right car for you and this can be done by searching online before you do anything else.

 

Once you’ve found the website for one of Hampshire’s many car sales, you can browse their stock at your leisure and read up on all the technical information so that you know all of the car’s details before making a decision. This means that you won’t find yourself wasting a journey and can enter a garage knowing full-well what it is that you are after.

 

In all, there are plenty of cars for sale in Hampshire and so searching for them is not very demanding. In fact, because you can search on the internet first, you should be as prepared as you possibly can get for when you finally do make the trip into Hampshire in order to finalise the deal.