What’s the Difference Between Collision and Comprehensive Coverage?

Posted in Collision, Repair on January 9th, 2011 by admin

We’ve all been there… you’re purchasing auto insurance and making sure that you are at least getting the minimum liability coverage
covered by state law, when comprehensive and collision pop up. What are these for, you think… Isn’t my vehicle already covered by the state requirements? In some cases (like if you’re leasing), you may be required to have both comprehensive and collision, in addition to fulfilling the state required minimums… but what’s the difference between them anyway?

Knowing the difference between comprehensive and collision is an important part of assuring that you have the best coverage possible for your vehicle. Here’s a quick look at the essential differences between comprehensive and collision, so that you can make the most informed decision possible when buying car insurance.

Collision is basically what it sounds like. Collision covers a car in a collision with another vehicle. Significantly, collision covers you in a crash no matter who is at fault. Also, if the other party does not have insurance, collision will still cover repairs to your car.  It will also cover your vehicle if you collide with an object (tree, lamp post) or pedestrian. Collision will also often cover the towing and storage of your vehicle during repair and any parts needed for repair.

Comprehensive covers you for almost everything else. Tree fall on your car? Comprehensive. Punk in your neighborhood knock out your window for a laugh? Comprehensive. (Of Note: comprehensive will not cover “vandalism” committed by a family or employee that can be construed as an act of vengeance.) Comprehensive will also cover natural events, like floods, tornadoes, or forest fires. Oddly, a “collision” with an animal is covered by comprehensive, not collision. Yes, it can be confusing. Comprehensive will also cover you in cases of theft.

Remember, neither comprehensive nor collision will cover damages due to your neglect or poor maintenance of your vehicle.

To ensure that you have the best coverage possible for your vehicle, it’s advisable to consider purchasing comprehensive and collision coverage, in addition to your basic liability coverage. With either comprehensive or collision coverage, the amount you will receive in compensation from your insurance company is, of course, determined by your deductible and the value of your car. There are often bundle packages with comprehensive and collision available. You can oftentimes purchase collision and comprehensive separately, although some companies will require that collision be purchased with comprehensive coverage. Look at all your options and make the best decision possible to protect your auto investment and financial well-being.

What’s the Difference Between Collision and Comprehensive Coverage?

Fix A Wreck Auto Collision & Repair Austin, TX

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Top 3 Most Reliable Used Cars

Posted in Cars on December 15th, 2010 by admin

If you are searching for the highest quality used cars, it helps to know which vehicles are considered to be the most reliable used cars. There are many different car ratings and reviews publications and websites, and they all seem to have their own individual favorites. However, there are 3 vehicles that seem to make everyone’s top ten lists of the most reliable used vehicles. They are:

The Honda Accord

The Honda Accord is often regarded as one of the most reliable vehicles on the road today, and consumer advocate publications and websites everywhere praise it for it high performance, smooth ride and safety as well. Furthermore, the Honda Accord is listed as one of the top 2 or 3 most reliable used cars year after year.

The Toyota Camry

Also a Japanese made car, the Toyota Camry is one of the best-selling vehicles in the history of the retail automobile industry. The reliability and performance of the Toyota Camry is legendary, and it is not uncommon to find Camrys on the road that have 300,000 or 400,000 miles on the odometer. The Toyota Camry’s longevity is a testament to its excellent design, reliability and acceptance by consumers all over the world.

The Honda Civic

If you’re looking for a truly compact and fuel-efficient vehicle, you might want to consider the Honda Civic. Honda makes some of the most reliable vehicles on the roadand the Honda Civic is certainly no exception. Highly regarded for its economical fuel efficiency, as well as its low maintenance engine and ability to seemingly run foreverthe Honda Civic remains one of the most popular choices in compact vehicles.

http://www.carsdirect.com/used-car-buying/top-3-most-reliable-used-cars

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Best 10 Used Sport Cars

Posted in Cars on December 15th, 2010 by admin

The best 10 used sports cars can give an owner performance, power, and reliability at a great price. Here is a look at some of the best picks when it comes to sports cars from recent years. These are easy to find used and offer a great all-around package.

  1. Mazda RX-8 – Great power, Great price
  2. Honda S2000 – Great performance and reliability
  3. Ford Mustang – Easy to find, Good price
  4. Honda Civic SI – Great reliability, Fuel economy
  5. Subaru WRX – Outstanding performance, All-wheel drive
  6. Mitsubishi Lancer – Outstanding performance, All-wheel drive
  7. BMW 3 Series – Legendary Design, Good performer
  8. Ford Focus SVT – Surprising performer, Fuel economy
  9. Nissan 350Z – Head-turner, Excellent performer
  10. Mazda 3 – Easy to find, Cheap, Strong performance

These are all cars that offer top-of-the-line performance and can be found at a great price. Finding a great deal on a used sports car can be hard. These cars are in high demand, and performance vehicles tend to hold their value. When shopping for a sports car, try thinking outside the box. Test drive a couple cars that aren’t on your “first choice” list. You may find a great match in a car that you wouldn’t expect to like, or hadn’t thought much about. Many people who would normally lean towards a more traditional sports car like a Ford Mustang or BMW 3 series are very impressed with newer platforms like the WRX or the Focus SVT once they give them a shot.

http://www.carsdirect.com/used-car-buying/best-10-used-sport-cars

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Buying a Car Used: Five Mistakes to Avoid

Posted in Cars on December 15th, 2010 by admin

Don’t let the fear of purchasing a “Lemon” keep you from buying a car used. While there are always going to be risks associated with buying a used (or new) car, there are a few simple steps that can be taken to ensure that the car you end up buying is in good shape and will last you a long time. Here are five mistakes to avoid:

Buying a Car Used Tip #1. Don’t Get Hooked

It’s quite easy to get caught up in the moment when looking at a dream car. Or after looking for a few weeks, pretty much any car can start to look appealing. It’s important to take your time and review multiple options that fit your needs and budget when buying a used car to avoid the desire to “just get it over with.”

Buying a Car Used Tip #2. Don’t Limit Your Search

Expand your search to cars outside of your area. The Internet makes this easier today than ever before. Many used car dealers have their inventory listed online, which makes long-distance window shopping quite easy. Websites such as CarsDirect will provide detailed listings and information on used cars in your area. This will give you a good baseline price, and whether you can get a better deal if you travel a little further. If you do find something interesting, a quick phone call can help determine if a particular car is worth the trip. It’s not possible for everyone, but the ability to travel to the best deal can potentially save you thousands.

Buying a Car Used Tip #3. Don’t Forget to Research

Be sure to learn as much as possible about your used car of choice before you begin looking in person to make sure this vehicle has the features and reliability you need. Try visiting any websites dedicated to the model you are interested in, as they can be an excellent source of vehicle-specific information, and often feature helpful “frequently asked question” sections. If you take the time to get familiar with your used car of choice, you will find that residents of the online automotive community are quite helpful.

Buying a Car Used Tip #4. Don’t Take Their Word for It

As we all know, car accidents aren’t always reported. Additionally, a small parking lot fender bender is no reason to disqualify an otherwise acceptable auto. When buying any used car, nothing is as telling as a firsthand look. Photographs can be quite misleading, and even the most poorly maintained vehicles can be made to look at least passable with an afternoon of elbow grease and a garden hose. Also buying a Vehicle History Report (VHR) through a company like AutoCheck or getting a basic free car history report can indicate whether the used car you want to buy has been in any accidents.

Buying a Car Used Tip #5. Don’t Go It Alone

Most independent shops or certified dealerships will have no problem performing a pre-purchase inspection. There are two major benefits to this minor investment. First, the mechanic will have the ability to check the underside of the car for leaks, rust or damage that may be invisible even while lying on the ground next to the car. Secondly, it will provide an additional road test to shed light on intermittent issues that may not have been present on your own test drive. This is a great plan of action for any used car purchase, no matter how perfect the potential candidate may seem.

When researching and buying a used car, it helps to be informed and prepared. By avoiding the most common mistakes that first time buyers often make, you give yourself a better chance at finding a safe, reliable car that will get you where you need to go.

http://www.carsdirect.com/used-car-buying/buying-a-car-used-five-mistakes-to-avoid

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Where are the Most Common Places for Auto Body Rust to Occur?

Posted in Cars, Repair on December 15th, 2010 by admin

There are many examples of wear and tear on a car, but auto body rust is the most visible. While it is treatable. auto body rust  occurs from living close to the ocean, or from ice and snow from roadways. Road salt and sea salt contribute to auto body rust but the car never rusts uniformly. The roof and doors are susceptible as well as areas that have been damaged previously from a chip in the paint, are at risk. Slight auto body rust can be removed at home, but a bigger job should be done professionally, as there should be no color differences in the car after repairs. Rust should disappear completely as if it never existed.

http://www.carsdirect.com/car-repair/where-are-the-most-common-places-for-auto-body-rust-to-occur

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