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Car Financials: How to Avoid Paying More with your Car Insurance

If you are a car owner, then at one point or another you have experienced the ache of having to pay a ridiculous amount of money to insure your car. Legally, all drivers must have insurance on their cars without any exception. The price that you must pay for your insurance depends on a number of factors, such as your age or the company that you are purchasing insurance from.

Unfortunately, car insurance is never cheap and you can expect to pay hundreds to ensure that your car is properly insured. There are plenty of insurance businesses that choose to add premiums on top of the set price that you are already paying, which can make the process even more expensive.

If you are someone that is looking to change your insurance or even pay an upcoming bill, you may be wondering if there is any way that you can decrease the price that you have been paying. Though you cannot decrease the company’s fixed-rate, there are ways that you can avoid paying more with your car insurance that many people don’t know about. Here is how you can save some money on your car insurance.

Buy ahead of time

Though putting off spending money may be tempting, one of the worst things you can do when trying to save money on your insurance is left it to the last minute. If your current insurance is a few weeks away from running out, we recommend that you buy your new insurance now.

Many people do not know that insurance companies actually offer considerable discounts when you do this, so you could be saving yourself hundreds just by getting in there early. If you are confused as to why this is the case, it is actually really straightforward. If you are someone that buys their insurance ahead of the cutoff date, then the company will see you as someone who is not inclined to take risks and so are happy to let you have the additional discount.

Don’t modify your car too much

Something that a lot of people do not know is that insurance companies are not impressed when people modify their cars. Even aesthetic modifications such as car skins can increase the price of your overall insurance.

If you are someone who is into more extreme modifications such as supercharging, then it is predicted that your insurance can more than double. This is due to the additional risks that you have added to your car which can increase the likelihood of crashing, which is completely understandable if you think about it.

Adding something as simple as tinted windows can also increase your insurance cost, as it obstructs the driver’s ability to see clearly. Though they shouldn’t, insurance companies have prejudice over heavily modified cars. This is because heavily modified cars are associated with boy racers, who are more likely to have car accidents and damage, which costs the insurance company money. So if you are someone that wants to ensure that your premiums are low, be careful with what modifications you add to your car.

Shop around for better prices

Something that is all too common with car owners is going for the most popular car insurance company with the hope that they will be able to depend on the reliability of an established company.

Though going for a reputable company is a good idea, not all of them offer the best prices out there. There are plenty of brands out there that offer a great coverage plan, as well as being reasonably priced. We recommend a company like SR22 insurance and if you want to find out where your local branch is, simply look up ‘SR22 insurance near me’ and you should be able to find a branch in no time. As well as this insurance company, there are plenty more out there that will be willing to discuss a reasonably priced insurance plan that fits your own personal needs.

Go for a low insurance group car

Something that you may not know is that the insurance cost that you receive is usually based on the kind of car that you have. This is especially the case when you are a young driver, as there is an unfortunate association between careless driving and young age. As a young driver, your set insurance cost is already higher than an older driver, so if you go for a car in the higher insurance bracket, then your premiums will be out of the roof.

There are plenty of websites online that set out the brackets that every car falls into, so don’t worry if you aren’t too sure. We recommend starting with a low bracket car at the start so that you can eventually upgrade in the future when your costs are lower.

Store your car in a safe place

You will be surprised to learn that a lot of the damage that is done to cars usually occurs when they are not on the road. If you are someone that has access to a garage, we recommend that you use it. This is because if any other cars damage your parked vehicle, there will be penalties added to your insurance if you decide to claim for repairs. The best thing you can do is make sure that your car is hidden and kept safe.

Body Modding: How to Get Started in Car Modification

Car modification has always been popular for any car super fans but in recent years it has started to reach the mainstream more and is growing in popularity. Back in the day, people thought that the main reason for car modification was just for aesthetic purposes, cars are made a certain way so they appeal to the most people as possible. However, design preference is very personal to each individual so people would get their cars modified to look exactly how they want them to. When people thought this was the only reason there was not widespread interest in car modification as they were still functional but there are other reasons for car modification including to improve performance. Most car manufacturers will be thinking heavily about fuel economy when designing a car, but if you care more about performance than mileage you can have your car modified to reflect this. Other reasons include if you need a car for a specific purpose and only for that purpose, you’ll be able to have the car modified to make it perfect for that reason and often car modification helps to extend the life of a car. If you’re wanting to get started then we’ve found the most important things to do so.

Get the right tools

Cars are quite large so this means that when you’re starting out you need to make sure you have a suitable workspace that is big enough if you have a garage that you can empty out then you could make this into your new workspace. Car modification is a very technical thing so there are many tools that you’ll need to purchase before you start, we’ve found which ones are the most important for a newbie as they’re used most commonly. Firstly, you should consider where your plug sockets are and where you will be working, if you don’t have enough plug sockets then you should be considering wireless tools like my ryobi cordless sander as this will allow you to complete your work without the lack of sockets being a hindrance. The absolute necessities when it comes to car modification include pliers, a torque wrench, a wrench set, screwdrivers, car ramps, and jack stands. For more complex modifications you’ll likely need more tools but for just starting out these are the key tools that you’ll need.

Stay safe

Whilst the law allows a lot of freedom when it comes to modifying cars, there are some important things to be aware of that you shouldn’t do when modifying your car. The first is the most important, you should never use parts that have not been approved by your manufacturer, whilst it might save you some money it can be dangerous as it won’t have passed as many performance and safety tests as a part of your manufacturer. Even though the savings can sometimes be significant it isn’t worth putting yourself and others on the road in danger. To stay out of trouble with the police there are a few more rules that you must follow. Headlights on cars must be white or yellow, if you’re wanting to add green headlights to make your car stand out more, don’t do this as it is illegal. You also cannot hide or alter your number plate when modifying your car as this can also get you in trouble with the police. Modifying your car can be fun and once it’s finished something you can be proud of, just make sure you follow the rules too.

Buying a Used Car: Everything you Need to Know

Buying a used car can be a tricky process especially for those of you that are not the most knowledgeable with cars, although you will be able to find a car at a more reasonable price than that of a brand new vehicle you must be wary of any potential issues that the seller is hesitant to tell you about. The thing with buying older used cars is that there could be internal wear and tear and damage to the car’s interior, so what may look like a good deal on a quality vehicle could actually turn into a bit of a money pit.

My recommendation for those of you that are buying a used car for the first time would be to either take a friend with you who knows what they are talking about or to make sure you research into any potential issues before you go ahead with a purchase. Some other things to look out for are to make sure the seller has the relevant paperwork and history of the vehicle so you know how many people have owned the car before you and any repair work it has had in the past that could be a recurring problem.

The Seller

When you are going to inspect a car that you may potentially buy it is very important to think about the credibility of the seller, although it is not illegal to buy a car of an unprofessional seller you should watch out as the chances are they don’t know much about cars either. If you are buying from a dealership then the seller should be very knowledgeable of the car’s specifications as well as being very open about any potential faults or issues the car could have. If you feel that information is being withheld from you I would strongly recommend that you look elsewhere, within the used car industry you will find some shady characters who look to take advantage of those who are not very industry knowledgeable. If you feel uncomfortable with the sale at any time you should be fully prepared to walk out and look for another option.

Cleanliness

First impressions are very important and buying a car is no exception to this, it is more likely that you are going to be impressed with a car that has been fully valeted and clean as opposed to one that is looking worse for wear. If the car looks as though it has been looked after it is also a good sign in terms of the seller’s professional reputation which will put a lot of minds at ease when it comes to buying a secondhand car. The car’s interior is also a good indicator of any modifications or repairs that may have occurred in the vehicle, so be sure to question anything that looks out of place inside the vehicle, as long as the sellers are honest about everything you shouldn’t worry too much.

Car History

One of the most important things to remember when buying a used car is the history of the vehicle, as the car is not brand new it could have had many owners in the past and may have been involved in damages or repairs that you need to know about before you go ahead with a purchase. Most vehicles come with a logbook which will detail the whole history of the car including any past repairs and details of past MOTs. Some cars come with identification numbers such as BMW’s where the car records can be accessed by a BMW VIN decoder lookup, this information is crucial as it lets you know any potential issues the car may have and you should not purchase a vehicle before getting it.

Test Drive

The best way to see if a car is suitable for your lifestyle as well as check that everything is running smoothly would be to take it for a test drive. You really shouldn’t buy a car without taking it for a drive first as you need to get a feel for what it is actually like to be behind the wheel and it also provides the opportunity to make sure the car works effectively.

Auto Trading: How to Get Started In Flipping Cars

Auto Trading is one of the most financially successful industries on the planet. You will no doubt be tired of the endless car adverts that appear on our screens every year. But it speaks to the success of these companies that they can constantly pump out so many new models and still turn a profit.

But not everyone can afford a brand new car in the latest model. More commonly, people have to buy their cars second hand, and often models that are quite a few years old at the time of purchase. But cars are built to last and buying second hand is environmentally friendly and financially responsible.

Because the second-hand market is so popular, it is a fantastic way to make money. But it is also one that requires a lot of time, investment, and technical knowledge. This is why we are going to help you understand how you can get into the business of flipping cars.

Aquire Product

The first step is, obviously, acquiring stock. The great thing about the second-hand car market is that you have a lot of wiggle room in terms of what stock you can get. You could simply buy working second-hand cars, or go the more financially smart route of buying broken or dying cars and fixing them up.

Scrap yards are a great place to look for cars. People will often sell the car to the scrapyard to get an instant payout, rather than going through the process of selling it themself. So you could intercept these people before they reach the scrapyard phase and buy their cars off them for instant payment.

When searching for cars, make sure you are only buying ones that are likely to sell. Unpopular makes or models are a non-starter. And older cars are also less likely to sell unless they are vintage in which case you stand to make a lot of money off them.

Fixing It Up

The biggest part of flipping cars is this step. If you are just buying old cars and selling them straight off, you are just working in a used car salesroom. If you really want to make some money, you need to be fixing up these cars. Restoring them to their former glory to make them more appealing.

If you lack the technical knowledge yourself, you will want to consider hiring a private team to do all that for you. You want to avoid sending the cars to a normal garage as, again, this is just you working as a middle man.

The idea is you want to earn more from the car than you spent buying and repairing it. To that end, you will need to map out the extent of your restoration long before you buy the car. If in doubt talk to an expert to get a proper price appraisal on all the changes you plan to make.

Lease Vs Selling

Now the final stage is actually selling the cars and turning a profit. Before anything, you will need some seriously good marketing. As we said, the second-hand car market is saturated, so you need to stand out. Take some time to look into some winning marketing strategies or even consider paying an advertising firm to deal with that side of things for you.

The biggest question you need to focus on is are planning to sell the cars, or lease them. Selling them is straight forward. The customer pays you and the car is theirs. This is the safest and more simple way of conducting your business.

Leasing is an entirely different game. This is where a customer will pay a fee to use the car for a set amount of time. This could be anywhere from a month to a few years. Think of it as a car rental service but a bit more complex.

Leasing works better for newer models or flashier cars. There are lots of car leasing comparison sites that will tell you what cars are currently popular among drivers so you can find out what cars you should consider leasing and which are better off being sold outright.

The Sell

While this business is about cars, it is as much a sales job as any other. Which means your sales skills need to be up to snuff. I would say more than half of every sale is down to the salesperson, rather than the product. If you are a dud, it doesn’t matter how good the car is.

Take some time to practice your sales techniques in the mirror, or with a friend. Study up on sales tips and tricks that will help you seal the deal. And remember, the customer is king.

Caring For Your Truck: A Complete Truckers Guide

Here are three easy steps to help make your truck-care easy and low cost, as well as making you an expert on your own vehicle.

Engine care

Trucks get a lot of hard use; whether it’s off-roading, harsh weather, or tough terrain. This means your engine takes a beating. All the dirt and grime you don’t want in your engine is caked all over it, and it’s that kind of dirt that causes the expensive repairs down the line. A simple and easy way to keep your truck’s engine in top shape is to clean it! This isn’t something you need to do on a monthly basis, but depending on how much use your truck gets, every three months will do. But remember, only do this if you’re confident with your truck and check with a professional that these steps are right for your kind of truck.

For this kind of regular care, it’s best to buy the equipment you need now, and it’s a great investment because you’ll use it again and again. All you’ll need is a bucket for water, big sponges, a small power washer, detailing brushes, cleaning sprays for cleaning, degreasing and protecting, and an old towel. Here’s how to do it:

The first and most important step is to remove your truck’s battery. It’s the safest way to clean your engine, for you and your truck. Then make sure that any inlets to the air intake box are covered, which you can do with a plastic bag or cover. This is to make sure no water can get in and cause any unnecessary problems! The go-ahead and get in there with your power washer! Get all the grime off that you can, and don’t forget under the hood!

Give everything a once over with the big sponges and cleaning spray to get rid of any dirt the power washer couldn’t. Once you’ve finished that, get your detailing brushes and get in all the gaps, nooks, and crannies to really make sure it’s clean. Make sure to get the valve cover really clean because a lot of greases can settle there. This is where you use the degreasing spray. Anywhere the dirt is really sticking, grab your sprays and make your life easier.

Another great thing about cleaning your engine is that you can get familiar with how it looks. This means if any problems were to arise, you’d be more likely to notice before it caused any issues. So while you’re cleaning, give everything a look over and check if everything seems right!

Once you’ve finished with the nitty-gritty cleaning, take your towel and soak up any big puddles of water. You don’t want those sitting there when you start your engine!

Now, spray everywhere with a layer of protection spray – this means dirt is less able to stick to your engine bay and makes its easier to clean next time.

Leave the engine bay open to properly and thoroughly dry for as long as it takes. Once it’s completely dry, put the battery back in. Wasn’t that easy? Do be sure you’re confident to take these caring steps for your truck and check with a professional that they’re the best for your truck.

Check your brakes

One of the most important systems in any vehicle is its brakes. They’re more important than the car running; if you don’t have brakes but you can drive the car, well, that just spells disaster. In trucks especially, however, brakes are even more important because of the size and weight of trucks. The brake systems in trucks are also different from most other vehicles. Here’s why:

In trucks, the brakes work through a mechanism called a compression brake system, or more colloquially, an engine brake. It works by the closing of the intake and exhaust valves, the ascension of the piston, compressing the air and forcing it into the cylinder. At the height of the stroke, fuel is injected and the superheated air burns it quickly, which pushes against the piston on its way down. A little complicated, but that’s all there is to it!

To look after your truck breaks, make sure to keep a close eye out for these things: any kind of leaking means its time to take your truck in and get the parts replaced! If the air is escaping from the compression system, the brakes won’t work as well as they need to. Worn hoses; again, if a part of your brake system is worn, it’s not working at peak efficiency. Get them replaced. It’s that simple! Check and replace.

Truck shocks

The final thing you should keep an eye out for on your truck is the shocks. All the use your truck is getting means its shocks have to be the best! They have to keep you comfortable and make that off-road smooth. The best shocks for trucks are gas-charged, which means they have a faster response time than most others available. Zinc-plated shocks mean they’re more durable, with a longer life, and are more weather resistant and therefore may need to be changed less frequently.

They may be small, but truck shocks can change everything about how your vehicle drives.

These are the three best ways to care for your truck that take make your vehicle last longer, run better, and make you more knowledgable about your truck.

The New Bentley Has an £80,000 Tackle Box Fishing Option

An unlikely combination to embrace the fishing industry would have to be Bentley’s latest £80,000 four-wheeled drive with a state of the art fly fishing accessory installed in the boot. With a very luxury price tag, this definitely not for amateurs, for pro anglers this is definitely something that would give your fishing experience a drastic boost. Features of this vehicle include the essentials – four bespoke rods encased in a luxury leather interior storage, a handy sliding tray for you to prepare your bait and hooks, a cooler case to help keep any refreshments cool and finally a waterproof compartment to reduce the mess from your used waders.

Practicality

All in all, for those of you with the budget to splurge on this luxury fishing tool, it’s hard to deny how useful this setup would really be. Users will find that owning a professional piece of kit like this one will really refine your efficiency when it comes to making catches, for those of you that are into fishing as a sport this can really help you change the game against your competitors and gain the upper hand thanks to Bentley’s organisational support.

You will find that a whole range of the aspects of fishing will have a big boost, from making the switch between rods smoother and quicker and it also makes catching bass easier and with a range of options for the included rods, you are able to find something that suits how and what you fish. Should you go out and make the large purchase of this Bentley model then you will sure to be the most desirable amongst your fishing group. The practicality benefits are only the beginning, the style and flair that has been implemented into the design of this amazing vehicle really is a focal selling point, and let’s face there are certain expectations when it comes to a car of this price point and it is certainly met with the aesthetic appeal we can see here.

The Draw

There can be a high socialite and status appeal within the fishing world, whether you are a member of a social club or part of a competitive team. A quality reputation and how you present yourself can be a prominent part of the experience, imagine how many heads will turn when you show up in this brand new £80,000 Bentley, the car itself has a reputation of its own and the fact that someone would invest so much into this piece of kit shows a certain level of commitment.

Regardless of what your intentions are when it comes to making a purchase, the fact remains that this is a great addition to your fishing repertoire and with such convenient and organised flair it would be a commendable buy and will provide ease of life and add enjoyment to how you fish, by saving time on the menial tasks there is more time to do what matter and improve the overall enjoyability of your fishing trips for years to come.

Overall, there are two sides to the argument, on the negative side buying this car is a huge investment and I would only recommend going for it if you are financially comfortable and serious about your fishing career. But, on the plus side, the level of sophistication and sheer convenience of the new Bentley ( with fishing storage) makes it a completely justifiable purchase. This stylish fishing setup reflects the prestige nature of the brand who developed it, although this kit is very pricey it could be argued that some things are worth it.

Automotive Welding Guide For Beginners

Any car owner knows that it’s easy for your vehicle to receive general wear and damages. Issues like damage to the body of your car and rust can really make your car look as those it’s in a bad condition, when in reality all of the internal components of your car are absolutely fine. With all these issues it would be easy to want to take your car into the garage and lose a lot of money over simple cosmetic issues. Here is a guide to Automotive Welding that will save you some money in the long run, if you are looking for some more detailed advice, there are several sources online such as weldingmania which will give you a better understanding.

The first bit of advice I can give you is to make sure that you have the correct equipment. This is important as it means that you will be able to make your work look professional, while protecting your own safety. You should importantly prioritize getting a good quality helmet, some strong goggles and some gloves , as doing your own alterations to your vehicle can come with many risks. Obviously you will need a good welder, but just as important as a good welder is some good welding clamps as it is easy for things to fall out of place and ruin the quality of your work.

Before you even think of using the tools on your car or bike, practice. You don’t want to go in unprepared and cause more damage than there was in the first place. A lot of local garages will be willing to hand over some left over scraps as it saves them having to get rid of them themselves. Take advantage of this and make yourself aware of how the welder works, how much pressure you must use and even how to properly hold the tools. Save yourself the hassle of causing damage to your car while you’re trying to fix it.

What is important is also taking care of your new welding tools. Don’t just use them and then throw them in the garage until you need them again. Much like cars, your tools can easily become victims of rust which may make them unusable. Believe it or not it’s really easy to take care of your tools and should not be seen as a daunting task. All that you need to do is properly clean them and put them away in places that they are not exposed to damaging factors such as moisture. I would recommend purchasing some plastic tubs as they are more likely to protect your belongings.

One thing to really enforce is replacing your damaged tools. You may try to keep them in order to save yourself some money, but if your tools become worn or damaged they simply won’t produce the same results and can potentially lead to health and safety concerns.

The Best Trucks for Companies Moving Offices

Moving is a substantial task alone however, when you are moving as a company it is important to take the correct measures in terms of organization and finding the means to make the move. Many people will source a truck of some kind to aid them in their move and there are many great companies that you should consider using who offer a range of different types and sizes of trucks to aid you.

Transit Custom

The Transit Custom would be great for the smaller moving jobs as it is a smaller van with a decent capacity for storage whilst remaining relatively lightweight for easier travel. The Transit Custom comes fully equipped with a strong engine for maximum driving ability and thanks to the inclusion of both rear and sliding side doors this van would be a convenient option when it comes to moving your company, this van is a popular choice with movers in Brampton due to its useful smaller size whilst still having a decent storage capability.

Cargo Van (16 Foot)

The smaller vans aren’t always appropriate and for the larger scale moving jobs a large cargo van may be required. Sometimes it is easier to overcompensate and as this van has a 16 Foot trailer you will be able to move more stuff in less journeys, thus shortening the overall time the move which I think we can all agree is a plus.

Semi-Trailer Truck

Finally, should your company be moving on a much larger scale and over a larger distance a semi trailer truck may be a better option for you. A semi trailer truck is much more suited to travelling to further destinations making them a strong choice when it comes to moving your company in an efficient and reliable way.

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