Automotive Insurance Basics – The Types Of Coverage

When talking about basic automotive insurance, it means getting the right insurance for you not the cheapest with less coverage. The main reason why the law required drivers or car owner to have auto insurance is to protect you or the drivers as well as the passenger for financial security in case of an accident.As you know, the level of auto insurance varies from state to state where in each company have different minimum rates. Most of the basic automotive insurance policy contains six or five types of coverage depending on what state you live.The five basic types of coverage are:1.) Collision and comprehensive- In collision, this covers losses to your car when you are involved in an accident or collision while the comprehensive covers the non collision physical damage to your vehicle or auto due to storm.2.) Liability Insurance-In this coverage, there is written 3 numbers 20/40/10. The first number indicates the amount of thousands, if the person has an accident and is hurt or killed so it will be $20,000 he will get and the second number indicate if ever for example, somebody rammed your auto and you hit another person’s house then you are covered for each person that is hurt.But take note, that will be up to two person only, then you need to multiply the first number to the second number, that is why it become 40. So 2 multiply by $20,000 is $40,000. The total damages to everyone concerned including your car would pay out $40,000 and the last number which is $10,000 is the amount where in the person who owned the house where your car hit will receive from your insurance company.3.) Uninsured or Underinsured Motorist Coverage – protects you when the negligence driver has no insurance or have insufficient insurance which covers bodily injury losses only but to some state, it include property damages or losses.4.) Medical Payments (No fault and Personal Injury Protection)-For the policy holder and other passengers that is in the policyholder’s auto.5.) Property Damage-Covers property damage to the third parties or another person’s car you hit or damage at your fault.If ever you can afford to add more coverage of your needs, then you can such as towing or labor coverage and etc. If you want to purchase for a less expensive automotive insurance, then there are different ways to find by shopping and ask for a quotes on different insurance company or agent.Having a good history driving records, have high credit score, etc. If not, you can go online through the internet, log to different insurance websites and ask free insurance quotes for your auto.When you are online, you can also check the insurance company of their records to know if they are good, reliable and reputable as well. Internet is the easy and fastest way to get insurance quote without any hassle. All you have to do is to log in to the insurance companies website but be careful since there are also fraud in the net.Before logging into the insurance companies sites, be sure you know their websites. You can call them and ask what website they have in the internet, just to be sure.

Give Your Automotive Technician Some Respect

There is a dark cloud that seems to hang over the automotive repair industry. It is unfortunate that there is still a large part of the general public that thinks every repair shop is out to get them and that their expertise is over rated. Even in the industry itself, the stigma is played upon. Competitors accuse others of wrong doing to make themselves look good, and in the end are simply hurting themselves. There are automotive self help web sites that bash the professional technician.Let’s spread a little subjective light on the subject. Run a search on the internet though any search engine for home dental work. It is not very likely the results you yield will give you step by step instructions for filling a cavity or performing a root canal in your kitchen. You will not find dental tools at the local “Dental Zone”. These things don’t exist because you would only have a trained professional work on your teeth. The tools available to them are not for general public use. The same is true for automotive repair, but the general public seems to think otherwise.Professional automotive technicians spend a lot of money on tools that are not found at the local auto store. A tech may spend $2500 every year in tools for his or her entire career. That is a personal expense so that they can perform repairs effectively and efficiently. They make that investment out of pocket so that they can be the best at what they do. The tools that they use to repair vehicles is constantly being updated and adapted to the technology that goes into vehicles. These technicians spend their money on tools to fix cars, and the companies that employ them spend money to train them on the new technologies. I am pretty sure that dentists are spending a good amount of money on new equipment and have seminars to stay current on advances in dentistry. And this is not the only similarity.The work that your technician does also has some pretty serious impact. Just as a dentist that does a procedure incorrectly and causes injury, a technician not performing his repairs correctly can cause injury. It is important for both of these professionals to know what they are doing. If they do not, people get hurt, or on a lesser note, miss work, lose money, and are overall inconvenienced. There are many similarities to the importance, training, and equipment that go into these two professions, but what about the differences?There are many differences. Let’s start out with the fact that the technician has to work in environments that are hot, cold, dirty, and sometimes pretty close to unbearable. I ask how many of us would like to stand under a vehicle with a hot engine, arms straight up in the air for 30 minutes at a time in a shop that’s 90 degrees? Or how would you like to go and repair an ignition problem when its 10 degrees, and have to do it outside because the vehicle cannot be towed in to the shop? The rest of the day you can spend bent over burning and cutting your hands while you use that new $300 tool you paid for.When you go to the dentist for a routine check up, you don’t argue after being checked that “he just looked at my teeth” and since he didn’t do anything you should not pay. But everyday in automotive repair shops, customers argue that exact point. The dentist charges for his time as a professional. He charges for the chair you sat in and the tools he used to look at your teeth. He charges for the schooling and experience that make him qualified in his profession. The automotive repair shop does the same, only customers feel that they can argue the point.It seems that there a are a whole lot of people who know everything there is to know about car repair and the business. Yet with all of their automotive knowledge, they choose a different profession. Maybe it’s the long hours, the hard working conditions, the constant learning, or serious personal investment that it take to be an professional automotive technician, but I think it might also be that they don’t know what they’re talking about.There are many repairs that the mechanically inclined “back yard mechanic” can perform. The simple repairs are fine to do yourself with the right reference material and general tools. When it comes to diagnosing vehicles with problems and repairing complicated systems that require special tools, the money you pay for that repair is justified, well justified. So give your technicians the respect that they deserve for performing a professional service that most of the public is not even capable of doing, even if they invest $10,000 in tools to get the job done.

Buy Quality Automotive Equipment

If you run a garage service or automotive business, you know the importance of having highly reliable and quality automotive equipment. In a highly competitive automotive manufacturing market, everybody is looking for advanced technology that reduces downtime and improves and simplifies usage. The equipments should be of the highest standards, as it affects performance and reliability.Automotive equipment can be for wide ranging requirements and specifications. There are various categories of equipment dealing with various aspects of automobiles, including repair and maintenance. Equipment should be bought from leading suppliers and manufacturers that supply the best and guaranteed quality at competitive prices.Variety Of EquipmentAmong the various automotive equipment that are available as follows:* Lifts: These are used to hoist cars for repairs and maintenance and can be of various types. These include two posts, four posts, mid-rise, turf, parking, and other types. The lifts are used for various functions such as oil changes, brake work, lifting equipment, and other jobs. Some automotive lifts are space saving and increase revenues for your business. Leading companies provide lift repair parts as well, which help prolong the service life of lifts.* Lubrication equipment: Various types of equipment for lubrication are available. These include oil meters, oil pumps, hoses, grease valves, manual oil pumps; Balcrank oil pumps, accessories, pump and reel package, and tank monitors are available.* Jacks and accessories: These are vital to your business and you may need high-quality engine hoists, bumper frame jacks, bottle jacks, heavy duty floor jacks, and engine support, among other equipment. The finest transmission jacks, vehicle and wheel dollies, and under hoist stands are among many accessories available.* Vehicle service equipment: If your business deals in servicing of vehicles, you know how important it is to have the best automotive equipment. These include battery chargers, brake fluid exchangers, break flush accessories, booster cables, wheel balancers, testing equipment for noise vibration, transmission accessories, paint and body equipment, and many others. You can get all this and more at the leading suppliers of car parts.* Exhaust hose: you can get superior quality exhaust equipment for all applications from automotive equipment suppliers. High temperature needs dictate the use of overhead reels, many of which are motorized which is recommended for diesel engine uses. There are overhead hoses, Crushproof® rubber hoses, welding exhaust hoses, underground exhaust and accessories included in the extensive range.* Air compressors: These are very important for tire service. You can get the best quality of compressors from automotive equipment stores. These include vertical or horizontal compressor, gas and diesel compressors, duplex compressors, and pancake and stack compressors, among others.* Reels: These are very important equipment used for a variety of purposes in automotive-related services. Reels are available in extensive and wide ranging varieties. These include oil reels, water reels, pressure washer hose reels, grease reels, welding and hydraulic reels, and many other types.Buying automotive equipment is now no longer difficult as you have a one-stop shop for any item you need from the leading suppliers online. They are authorized distributors for leading brands and provide customer-oriented service by trained and experienced employees. You get unmatched quality in service and products.