How to Avoid Car Theft

 

Every year, nearly 1.5 lakh vehicles are stolen in India alone. Out of these, only about few thousand are actually traced back, but often in un-roadworthy conditions, with many missing components. In the year 2014, a vehicle was stolen every 24minutes in India. Thieves have never been this efficient before, and your car/bike is more unsafe than ever. While the vehicle theft rate has skyrocketed, the auto industry still lacks the anti-theft technologies and enforcing bodies to safeguard the vehicles from thefts. If you want to prevent a car thief taking a joy ride in your precious vehicle, you need to take the required steps to avoid car theft.

How to Avoid Car Theft

 

Park in a safe place:

It’s given that a vehicle parked in a well illuminated, guarded and monitored spot is a lot less likely to be stolen. One should pay extra attention to the location, vicinity and environment when parking. Whenever you park your car, try and find somewhere that’s well-lit. A well-lit, closely guarded and spots under the local surveillance should always be preferred over shady and remote places. Don’t hesitate to spend a little for monitored parking lots with security guards. It assures guarding eyes for your vehicle in your absence. If you have to park the vehicle on the streets, opt for somewhere close to shops or somewhere closer to security cameras, for the thieves are more likely to be aware of the places to avoid stealing a vehicle from. If you can, park the car under a street lamp, even during the day - if your car’s left there longer than expected, it’ll be lit when darkness falls. Try to park in a well-packed area of the parking lot. Park the vehicle little further from the exits of parking lots, since thieves will likely have a faster getaway compared to a vehicle parked in a well surrounded zone.

Invest in the Security Systems:

When buying a car, do tick on the options of safety and security features like Engine Immobiliser, security alarm, central locking and GPS tracking. These devices go a long way towards car theft prevention. The Immobiliser is an electronic security device fitted in a car that prevents the engine from running unless the correct key is present. This prevents the car from being "hotwired" even if the thief enters the vehicle thus prevent vehicle theft. It would be helpful to have a security alarm system professionally installed in your car. Loud alarms will frighten car thieve, and some systems can be programmed to notify you or alert the police if your car has been tampered with. And even if the misfortune happens, a GPS tracking system can help signal the vehicle’s location to the police and help them recover the car sooner and minimise the damage to the vehicle. There is nothing like a gear or steering lock to deter thieves from driving away with your car even if they manage to get inside and start the engine. These measures will increase the amount time a car thief will need to get away with your vehicle, which increases the likelihood of him leaving your pride and joy alone. Such devices are well worth an investment.

Don’t leave valuables inside the car:

Never leave valuables like laptops, bags/briefcases, purses/wallets or cell or any other high-value item clearly visible area of your car. Use the car's glovebox or boot to stow the valuables as they can be an eye candy for the thief. Once the thief smashed a window to for the valuables, he might just decide to go all the way and take your car. Also, avoid leaving important documents inside the vehicle. Expensive satnav, entertainment screens and expensive accessories are the obvious attractions. So prevent your car being a thief magnet and avoid leaving any valuables inside.

Drive your car often:

A car is meant to be driven around. The pride and joy will go to places and yet is left to rot in the same place for days unattended. The preying eyes are likely to fall on them inevitably. A car lying at the same spot for many days is more likely to be taken for granted by the owner and assumed unwanted by the thieves. The rotting car is junkyard treasure for the thieves and therefore one must take a proper care and maintenance of the car. A well-maintained and well-used vehicle is passed by the auto thieves for easier victims.

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WHY ROADSIDE ASSISTANCE MATTERS

A ROADSIDE STORY

Many drivers take roadside assistance for granted. Some driver might not even know they have it. I personally cannot tell you the number of times that roadside assistance has come to my rescue. Locked keys, flat tire, or battery jumps; roadside assistance is a wonderful tool.  “I can jump my own car” some might say. My response is to imagine the following…

EYES ON THE ROAD

It is the middle of the week. With just a quarter past ten, the streets seem to be clear. With limited cars in sight, you can probably shorten the stretch in reaching your cozy destination. Then suddenly, so you see something. Up ahead, a man frantically waves his hand at oncoming vehicles but none stopped. Then you pull over.
This middle-aged guy Jimmy tells you that his automobile won’t start shortly after you came out of your pick-up truck. He has stopped at a convenience store in order to buy some bread. When he started the engine, what he hears is the tapping sound akin to someone tapping on a Morse code apparatus. Then it hits you.
So here you are, offering roadside assistance to somebody. A lot of scenarios suddenly pop out of your head. Do have the necessary tools to help the guy out? More importantly, do you have enough knowledge to jumpstart his automobile?

LEFT SOMETHING OUT

Let’s try to backtrack here a bit. Prior to jumping into your car, there has been no indication that you’ve taken the necessary preparation for a road trip. Although vehicles usually have tools, there is no guarantee that these materials are complete. Missing out on trip preparations can, at times, be disastrous for you.
For instance, even if you have the alligator jack or the lug wrench but you forgot to bring the early warning devices, changing a flat tire can still be dangerous for you. So preparing the necessary tools is definitely vital.
Going back to the guy who needed road assistance, it will be a double whammy if he himself had not brought in the necessary materials. It will even be more disastrous if, like you, he has a very limited knowledge about fixing cars.

WHAT NOW

You must take note that troubles on the road are doubly catastrophic if it happens in solitary or less populated highways. How will you and that person you intended to help get through the problem? Here are the practical approaches to this predicament.
Primarily, you need to have the contact numbers of your mechanics with you. That way, you can call them up when you need roadside assistance. It also helps if you know the area that you are treading on the way to your destination. Doing so allows you to have the exact locations of nearby service centers.

LEARNING TRULY HELPS

Secondly, it is best if you have at least some practical know-how about vehicles. The tapping sound on the car of the person you’ve tried to help can probably be attributed to loose battery terminals. However, you will not know that unless you have previous knowledge about such thing. The truth is you don’t need to be a mechanic in order to survive on the road. Having some solutions about common automobile troubles is all you need.
Third, you need to be receptive about the situation that you are in. The guy who needed your assistance may have parked his car properly but in most roadside troubles, the cars usually stall or lose power in the middle of nowhere. Now that is very dangerous. Imagine yourself being in the center with speeding vehicles zooming around. That early warning device will come in handy in such situation.

BRING IN THE ESSENTIALS

To sum it all up, you need three things to keep roadside assistance essential. Preparation is key to everything. One, you need all the numbers from people that will help you in case things get complicated on the road. Talking about contact information, you should take note that this is not only limited to mechanics and towing companies. This also means that you should be able to reach persons with authority like policemen or firemen. At some point, these people will provide you with the resources or services that you need.
Two, acquiring practical knowledge about car troubles will not hurt you. In fact, it will be your gateway towards greater facts where automobiles are concerned. Three, equally important is that sense of awareness. Car troubles always happen unexpectedly. You need to be on top of the scenario when that happens.

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How To Get Affordable Car Insurance

In this day and age one of the first things that people consider, in order to save money, is switching car insurance policies. If you’re considering doing this, you’re making a smart choice. With the wide variety of car insurers available today, the average driver would be doing themselves a favor if they compared car insurance companies every year. It’s always possible that you can find a better deal on car insurance elsewhere.

Whether your current car insurance policy is about to expire, or you’ve just purchased a new vehicle and need to get a new plan, our guide below will help you on your way to finding affordable car insurance.  Continue reading below to read our tips and advice.

What Car Insurance Reps Won’t Tell You

  • The amount of car insurance that you buy should be based on the amount of assets that you currently have. The average policy covers just enough and doesn’t take into account the possibility of lost wages, lawsuits or anything else resulting from your car accident.
  • People who drive high profile, more expensive cars historically pay more for their car insurance premiums than people who drive average mid-size cars. This may be a shock to someone who has been dreaming about buying a high-performance car. However, it’s a fact of life if you want to keep your car insurance premium low every month.
  • You can save money on your policy by paying your premium for six months at a time instead of month by month. The average consumer doesn’t know that car insurance reward loyaltyy and will offer you a discounted policy if you offer to pay up front, for 6 months or more at a time.
  • If you invest in a veichal protection system like a Low Jack or any other type of protection device you can lower your car insurance payments. This is because you’re showing the insurer that you’re making a priority to protect your car.
  • Every other industry from television to telecom offers customers special discounts for bundling and so does the car insurance industry. Choose a car insurer that offers other policies and then ask for a discount, if you bundle your car insurance policy with their other plans.
  • If you have children that are of driving age make them wait longer until they get their driver’s license. Car insurance premiums are typically less expensive for young drivers who just turned 18 compared to drivers who are between 15 and 16 years old.

    Getting The Best Car Insurance Prices

    There are a lot of things you’re going to want to keep an eye out for. You’ll obviously want to work with a reputable company. You’re going to want an insurance provider that has great customer support and friendly claims agents. But most importantly, you’re going to want to get the most bang for your buck.

    You can cut coverage and pinch pennies, but it won’t get you very far when it comes to getting the best car insurance prices. Instead, we recommend you focus your efforts on two important elements:

    Choosing Your Auto Insurance Provider

    Enter your zip code at the top of this page, and you’ll likely notice a huge difference in premiums from company to company. So naturally, this is the first area we’ll take a look at.

    You won’t have much luck convincing auto insurance companies to change what they charge, so your best bet here is to simply shop around for the car insurance provider with the best rates.  Our free quote tool will help you compare rates from all the leading auto insurance companies.

    Work Your Policy for the Lowest Car Insurance Prices

    Now that you’ve chosen your auto insurance company, you can actually design your auto policy to save you money, and lots of it.

    The most obvious way to do so is to only pay for what you need. You may be urged to add all the bells and whistles to your policy, but if you’re looking for the best price on auto insurance, then you’ll want to avoid the added features.

    Setting Your Deductibles

    This next method ties into the previous one, but can save you even more. When setting your deductible, set it as high as you can afford at any given time. But don’t push it too far. If you can’t afford a high premium, don’t do it, because you never know when disaster will strike.

    Another great way to save money on your car insurance premium is to increase your deductible. The higher deductible that you pay means the lower your premium will be. Before you do this, make sure that you can commit to saving between $1,000 to $5,000 for your deductible. The average insurance company will require you to pay your deductible first before your premium kicks in. The higher your deductible, the lower your premium will be – plain and simple.

  • More Ways To Save Money On Car Insurance
  • One of the oldest ways that car insurers jack up the rate, that you pay for your car insurance policy, is by factoring in the area that you live. If you’re committed to saving money and are due for a change in your living situation try moving to a safer part of town. You will see your car insurance policy rates drop significantly. You can also save money on car insurance by parking your car in the garage every night instead of out on the street and driving less per year.

    You can also save yourself money on car insurance by choosing a liability only policy instead of a full coverage policy. This strategy is recommended especially if you drive an older vehicle. If you’re leasing a vehicle make sure that the lease owner doesn’t require you to carry full coverage. Just about every lease owner does require full coverage, especially for brand new vehicles.

    A fact of life that everyone faces is that financial situations change and you might not always be able to pay for your car insurance premium every month. If this happens, you should not go more than one month without paying for car insurance because you could face serious financial consequences if you were to get into an accident. It’s actually best to never let your insurance. If you do, car insurers will increase your premiums, especially if you go for long periods of time without paying for car insurance.

    If you live in a family that owns more than one vehicle and that vehicle is nonoperational don’t insure it. However, it is important that you register it as nonoperational with the DMV. If your family owns more than one operational vehicle, you shouldn’t hesitate to ask for a multi-car discount from your insurer.

    Saving money on car insurance doesn’t have to be complicated. If you follow the simple tips in this article, you will consistently save yourself hundreds of dollars per year.

    “Where Should I Start?”

    The first step you need to take to find the lowest car insurance available is right here on this page. Scroll up to the top and enter your zip code to begin. You can then choose the best insurance provider with the best prices. You’ll then have the option to configure your auto policy for ultimate savings.

 

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8 THINGS TO WATCH OUT FOR WHEN BUYING A USED CAR

BUYING A USED CAR

The used car market is a haven for various automotive gems! It is the perfect place where you can look for that odd box-type sedan that brings you back to your good old childhood days, or if you are lucky enough you can get a rare expensive classic that can now be worth millions away from its original price. Regardless of whatever meets your eye as you wander about in the used car center, used cars can become financial liabilities if you do not make it a point to check on them after making your purchase. Whether the vehicle is for you, your brand new teenage driver, your significant other, or a friend/family member, before you jump the gun on purchasing a used car, make it a point to watch out for these elements.

BODY AND GLASS

First impressions last – at least that is how you should think when you start evaluating your used car of choice. Issues such as cracks, dents, and uneven paint should play a significant part in the used car’s pricing since those can be costly to repair. Moreover, those kinds of damage may indicate that the used car may have been involved in accidents of various degrees under its previous owner. That, of course, may point to further internal damage, so make sure to look at those problems with great circumspect when you think about your used car purchase.

INTERIOR, SEATS, AND ODOR

When canvassing for a used car, do not just look at the outside. In fact, it is even more important that you discern whether the used car you are looking at has an interior that is bearable enough for you to spend most of your time; think about all that time you spend sitting in traffic to and from work. Things like seat upholstery, seatbelts, and overall odor play a huge part in your driving experience with your used car, so make it a point not to neglect those things.

CONTROLS AND SOUND SYSTEM

Watch out for missing dials, malfunctioning light indicators, and damaged interfaces when looking for a used car. A typical secondhand vehicle should have controls that are still working properly, albeit with some parts of it already worn out. Also, make it a point to check the condition of the used car’s sound system. Muffled speakers and a faulty sound system interface may make for an unpleasant driving experience (think about having to sit in silence or forced to listen to an awful radio station during that traffic we already talked about), while faulty electrical wiring for both your controls and sounds may prove to be dangerous in the long run.

LIGHTS

Obviously, faulty exterior lights are a no-no for used cars, and fixing them can be quite a costly ordeal. With that, it is highly important that you check the conditions of the headlights, signal lights, and taillights of the used car you are eyeing first before purchasing it. Moreover, also make sure that your interior lights are also in good shape so that you would not have to experience inconvenience in the event you need cabin lighting as you drive during nighttime.

TIRES AND SUSPENSION

A good used car has a properly-rotated and balanced set of tires and a suspension set that provides stability and safety, especially during long drives. With that, make sure that your used car of choice has good tires and suspension. Otherwise, you would certainly find yourself flirting with the possibility of encountering unwanted road accidents. You do not want to be that person on the side of the highway waiting for road assistance because your tire blew.

FLUIDS

Before purchasing a used car, make sure to check the condition of its fluids. Watch out for residues, burnt smell, or foamy particles on the dipstick – those typically refer to various problems your mechanic should work on right away. Normally though, engine oil is brownish or blackish in color and residue-free, while the transmission fluid appears pinkish.

RADIATOR

A used car should not have green particles sitting around on its radiator. Otherwise, it shows that leaks may have been made and that a replacement may be necessary. As long as the radiator does not appear rusty or to have corrosion, then you are in good company.

ROOF

Checking the roof of your chosen used car is actually a no-brainer. Doing so allows you to see whether there is a possibility of water leakage inside the cabin, which you must prevent at all costs if you want a pleasant driving experience. At the same time, make sure to check if your sunroof is working properly, if you have one.

 

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How Much Auto Insurance Do I Need?

 

Auto insurance can be broken down into three main types: vehicle, liability, and medical coverages. While you'll want to carry the minimum as required by state law, you'll also want to carefully consider the value of your car as well as additional coverages to protect yourself, your passengers, and your assets from accidents. When determining how much coverage you'll need, make sure you're covered for an amount equal to the total amount of your assets. Additionally, if you lease or have a lien on your vehicle, your lender may require for you to carry both comprehensive and collision coverages.

The following coverage packages are not specific coverage packages offered by carriers, rather, they illustrate common package types. This is more of a broad overview of what insurance carriers offer.

Keep in mind, you can mix and match coverages depending on your carrier and your specific needs. While you might want minimal coverages for your vehicle, you might want the maximum coverage for liability. Similarly, the health insurance you carry might factor into what choices you'll make when selecting personal injury protection (PIP).

Insurance carriers can be flexible and offer a wide range of products. We recommend speaking with agents to better dial in what you're looking for and tailor a policy that best suits your needs.

MINIMUM

This is the state required minimum coverage. Experts advise protecting your assets by purchasing more coverage than the state-mandated minimums, as these limits tend not to keep pace with the ever-increasing costs of car repair and medical bills. For example, repair of modern bumpers with motion sensors can cost upwards of $5,000. In some states, the minimum liability amount is only $5,000. Any damages over that amount could cost you out-of-pocket. We recommend purchasing more coverage, but if the state minimum is all you can afford and you don't have any savings or assets, this coverage level may suffice.

LOWER LEVEL

Consider this level of coverage if your car is valued under $10,000 and you can afford to pay out of pocket for repair, but you want higher liability and medical coverages to protect your assets. We recommend at least $25,000 for Property Damage, $50,000/$100,000 Bodily Injury, and $50,000/$100,000 for Under/Uninsured Motorists.

TYPICAL LEVEL

This level of coverage is purchased most often. It includes both collision, comprehensive, and higher amounts of liability and medical coverage. Generally, consumers choose $50,000 worth of Property Damage, $100,000/$300,000 Bodily Injury, and $250,000/$500,000 Under/Uninsured Motorist.

HIGHEST LEVEL

This level of coverage is a good choice if you have a lot of assets. While it will include both collision and comprehensive coverages for auto repair, it will generally have the highest level of liability and medical coverages available. Typically, $100,000 Property Damage, $250,000/$500,00 Bodily Injury, $250,000/$500,00 Under/Uninsured Motorist.

As previously stated, these coverages are indicative of packages that are common amongst consumers, but by no means are these examples exhaustive or restrictive of what you can purchase. Now that you have an overview of what's available, you can shop around and begin to get a sense of how carriers compare to one another for similar coverages.

From there, you can begin to compare differing products and discounts that each carrier offers. Not all carriers are the same, and to be competitive, they offer widely different products and policies. Take advantage of this.

For example, some carriers offer accident forgiveness, while others do not. Some carriers offer multiple products like renters, life, and homeowners insurance, which offers bundling opportunities.

Some carriers offer discounts that others do not. You might be interested in a low-mileage discount. You might qualify for a good student discount, a military discount, or a safe-driving discount. Some carriers offer discounts for anti-theft devices or if you use an electronic funds transfer to pay your premium.

It helps to shop around and compare quotes amongst carriers. There is no one-size-fits-all approach. You may want to speak with an independent agent, as well. They're knowledgeable of the industry and they understand what the multitude of carriers offer and their philosophies. An independent agent can help set you up with a carrier that's the best fit for you.

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The Credit Benefits Of Auto Loan Refinancing

 

Auto loan refinancing can have many benefits for your short and long-term financial outlook. But if you keep a close eye on your credit profile, you might be wondering how refinancing is going to affect your credit score.

The truth is, refinancing any loan will invariably have minor, short-term impacts on your credit. They can vary based on your situation. For someone with a long, well-established credit history, these impacts will be minor; however, for someone with little to no credit history, these factors will make a much bigger impact.

Still, in the long run, auto refinancing will generally help your credit as it simultaneously closes out a loan and adds a loan approval to your credit report.

Let’s take a look at three ways an auto loan refinance can affect your credit profile:

1. CREDIT INQUIRIES

The first way refinancing can impact your score is the hard credit inquiries that will appear on your credit report. When a lender checks your credit report to evaluate how risky it would be to lend you money, that shows up as what is called a “hard” inquiry. Typically, these will impact your score by a small amount, typically by five to 10 points. And while they will stay on your credit report for several years, their impact on your actual score will dissipate after several months.

A number of hard inquiries from various types of lenders could be a red flag for prospective lenders. Groups of hard inquiries suggest you were desperate to open new credit, at some point, for some reason. Having too many hard inquiries in too short a period of time could hurt your ability to get good interest rates, or even get approved for a loan at all.

That being said, those same lenders usually understand that when you’re shopping for financing for a big-ticket item such as a home or auto loan, you are likely to get quotes from several sources to get the best rate. Most credit score models will group all hard inquiries made within a 14-day period together as a single unit. While they will be listed individually on your report, they will only affect your score once. For that reason alone, it is important to ask for quotes only after you have finished your research and you are ready to refinance.

2. YOUR CREDIT HISTORY

Another way an auto loan refinance impacts your credit is by altering your repayment history. As you make regular payments on time, your score improves. This demonstrates that you are a reliable person who takes credit obligations seriously.

When you refinance, you are wiping that payment history clean and starting from scratch with a new loan. Because some models will take older loan payment histories into account, but others don’t, your best bet is to just anticipate that this will impact your credit score and plan accordingly.

3. YOUR CREDIT UTILIZATION

Your credit utilization is the total amount you owe your creditors compared to your total available credit. Generally speaking, if your credit utilization is below 30%, you’re in good shape. Any more than that and your score will take a hit.

When you refinance a loan, depending on the new terms, you are changing your credit utilization. If you take out a loan for more than the original — to get cash out, for example — then you are increasing your utilization rate. If you take out a loan for less, you might be lowering your overall total utilization rate. While this shouldn’t be the primary deciding factor when it comes to refinancing, it can have an impact on your score.

You might see a short-term dip in your credit score after refinancing your auto loan, but the effect is typically negligible, and the potential benefits — including a lower payment amount and a lower interest rate — may far outweigh any negatives.

If you are ready to refinance your automobile loan, Autowrranty.com is here to help. When you apply with Autowrranty.com, your dedicated Finance Advisor will work to find you an auto loan that fits your financial and credit needs from one of our 25+ national lenders. Learn more about auto refinancing, try our car refinancing calculator, or apply now.

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THE DIFFERENT CAR WARRANTY DEALS AVAILABLE

Automobiles are generally the worst investment a person can make because they depreciate faster than almost any other commodity on the market. Even when buying a car brand new it depreciates the second it is driven for the first time off the dealer’s lot. Because all cars will eventually need some form of repairs, get a car warranty to help protect against the high prices of car repairs.

To begin the process of looking for the best warranty, make sure to see if the dealership offers a limited time warranty on the car in question before signing the title. After a few thousand miles or a limited amount of time, dealership warranties will expire causing motorists to seek out alternative avenues for coverage. When these service plans expire, look into the most recognizable types of warranty coverage.

One of the first and usually most acquired varieties of warranties that people obtain is the bumper to bumper package. This package provides solutions to a variety of different problems a motorist may be forced to face while operating their vehicle. Some of the benefits to choosing this package are having a towing and roadside assistance coverage, trip interruption and rental car protection, and it can repair things from gaskets to electronic equipment.

People who do not like to sign onto a large coverage package also have the option of comprehensive coverage. Comprehensive coverage is more geared to the individual though they usually follow a few set guidelines that are laid out by the coverage company. Full comprehensive warranties are usually the most favorably priced. However, the drawback to this style is that a driver must read through and be sure of all the ins and outs of policy before signing it.

The powertrain warranty has become a national phenomenon because of the great coverage it affords anyone who uses it. Powertrain warranties are set up to help a person pay for large automotive repair projects which usually cost the most money to fix. These projects include general engine repair and transmission fixes. Wheel axles and the driver shaft are also covered with this style of warranty.

Along with a car warranty, the enhanced powertrain warranty can take a person deeper the automotive security blanket than ever before. These warranty type covers all the same materials that its original predecessor included, only it adds a few more pieces on top. Wheels, all electrical appliances and equipment, and even the air conditioning is covered when getting this package.

Finding the best car warranty for a personal situation is really a great way to help stem the costs accrued by taking a car into the shop. By paying a meager amount of money dedicated to a monthly premium, people will save money in the long term because they will avoid being at the mercy of mechanics. Find a coverage package that best fits people’s money and transport needs to make a well informed decision on the topic. Remember, a few bucks a month may be worth it as compared to paying out thousands at one shot for a new transmission.

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