How To Reduce Gap Auto Insurance Premiums

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Gap insurance auto coverage is a necessity only if the following two conditions are present:

1. You finance the purchase of a new or used auto.

2. You make a down payment of under 20%.

And in a case where you take advantage of one of the numerous 0 down/60 month lending offers you definitely want gap protection.

Nevertheless even when you do require gap insurance, it’s just necessary for as long as the outstanding loan balance exceeds the actual cash value of your car or truck. Usually what this means is a period of 21/2 to 3 years. So by the end of the 3rd year of installments the loan balance on your vehicle should be close to the cash value of your car or truck.

At this time the gap insurance could be terminated; but only if it was initially bought as a rider to a comprehensive policy sold by an insurance provider.

If, on the other hand, you purchase gap vehicle insurance protection from a auto dealer it cannot be terminated because you make a one time, up front payment.

Another significant difference between buying gap insurance from an insurance company or dealership is cost. Gap insurance coverage purchased using a auto dealer could cost varying from $500 – $700, while the same coverage bought through an insurance company will add only 5 or 6% to the price of your collision coverage, or about $30 annually.

So if your loan balance and the cash value of your automobile achieve parity within three years as suggested above, you’ll have paid out a total of approximately $90 for gap protection as opposed to hundreds of dollars more for coverage from a auto dealer.

Now, as if $30 a year wasnt affordable enough, it is possible to trim this amount even more. Since the cost of gap auto coverage is a percentage of the cost of comprehensive coverage, the less you pay for comprehensive collision coverage, the less you will pay for gap.

This provides a win, win scenario for each new car owner in need of gap insurance; especially if you have the time to evaluate a number of quotes from insurance carriers currently fighting for your business on television.

The Truth About Automotive Repair Shops

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Lets face it entrepreneurs only start a business for one reason to make money. Why would someone go through all the expense, risk, and pain of starting a company if there wasnt hope of significant reward? Im not saying that everyone is money hungry or greedy, but I am saying that a business is there to make money.

An automotive service shop is a business. In order to keep running, they need to make money. Most shops employ a salesman, also known as a service writer whose primary duties include writing up customers, communicating between the customer and the mechanic, some even inspect vehicles with the technicians, and most importantly, selling service to ensure company profitability. Like any good salesman should, they will befriend you and recommend services to “help” you out.

Heres what most people dont know about service advisors they are paid in commissions. Like any other salesman, the more they sell, the more they get paid. Thankfully there are a lot of good people out there who truly want to do you right and keep your business. However, for every honest automotive service representative thats out there today, there are 9 more that only care for their paycheck.

The U.S. Economy has seen better days. Unfortunately, as money becomes scarce, more people will result to any means in order to make a buck. Look at the rise in scams taking place today. A prime example is the lottery scams where you receive an e-mail or telephone call saying you have received a large sum of money, but you must send money first to receive your fake “winnings”. Or the latest “loan scam” where a company says they can loan you around $5,000 with bad or no credit, but you must pay the first few payments up front.

The BBB (Better Business Bureau) was developed to protect consumers from businesses that have repeatedly done customers wrong. Also, some states such as California took it a step further and developed the BAR (Bureau of Automotive Repair), to protect consumers from shady shops. Unfortunately, these services usually only catch the worst of the worst, and a lot of shops still get away with bad business.

So what can you do to protect yourself? Find a shop you are familiar with or that has a good rapport with their customers. Even though it can be time consuming, shop around for pricing to keep them honest. Research and come up with a service plan that suites your needs. Lastly, always get a second or even third party opinions, even when it comes to that mechanic you have known for years. Or if you would prefer a professional to protect you when it comes to maintaining and repairing your vehicle, seek out a company like Auto Service Security. Spending a little extra time, may save you a lot of money and hassle.

Things to Consider When Looking for Affordable Auto Insurance and Best Auto Insurance Companies

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Reliable and affordable auto insurance is hard to find if you dont have enough resources. By that, do you have what it takes to get you a reputable company on your side? Prior to joining different auto insurance companies, you need to understand that various insurance companies offer different rates. Therefore, it will be up to you to decide which insurance company you would like to go for.

There are a number of the best auto insurance tips that will absolutely help you obtain an enviable company that provides outstanding vehicle covers. To begin with, you have to perform a comprehensive research on the different insurance websites and compare some of the quotes provided and how best they will fit your budget, you and your car.

Having done this, you can advance ahead and combine all your policies together so as to earn yourself good discounts with your indemnity company when applying for auto insurance. Shopping around is another surefire way of obtaining a highly regarded insurance company for your car. Also, make sure you engage yourself to insurance companies that you find not only interesting but also provide affordable auto insurance to all its consumers.

Raising all your deductibles is also another positive way of getting yourself good car insurance since you will significantly lessen most of your premiums. If then again you have some troubles in obtaining the type of company that best fits you, then you can instead look for some help from an insurance broker who will in turn let you know of what companies have good rates in offers.

But most vital of all is to have a good understanding of what kind of cover you would want and that must be agree with the laws of the state that you reside. In fact, there are so many profitable discounts in offer from most insurance companies providing auto insurance, it will be up to you to choose the one that you find more comfortable with.

And if you are one of those individuals who regularly go for cover quotes through the Internet, then it is greatly believed that falling for a highly regarded company will be incredibly undemanding. Internet is one of the best ways of finding the best auto insurance and affordable auto insurance company. By that, searching insurance company will become handy if you know how to access the Internet and you can do this at the comfort of your home or at the office.

Automotive Aftermarket Car Parts Shows And Associations

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Are you trying to make sense of all the aftermarket car shows? This guide will help.
Aftermarket Car Part Association – AAIA
The Automotive Aftermarket Industry Association is the industry’s internal organization that promotes high standards of value within the industry.
Automotive Aftermarket Car Parts Association – Aces
Aces is short for (Aftermarket Catalog Enhanced Standard.) Aces is the industry standard for the management and exchange of automotive catalog and vehicle data. Using Aces, suppliers can publish automotive data with standard coded designations for vehicle attributes, parts classifications, and qualifier statements.
Aces provides a machine-readable format (XML) for trading partners to use in exchanging vast amounts of information. The Aces Vehicle Configuration Database is updated monthly and available only on a subscription basis from AAIA. The Qualifier Database and parts Classification Database are updated as needed. The Aces specification and database design is updated annually to include features and functions required by the car parts aftermarket..
The archive includes the Data delivery Specification ver 2.0; the Vehicle Configuration Database, VCdb Field Definitions; XML files; the Qualifier Database ER diagram and approved Abbreviations.
The major changes in the 2008 Aces are the addition of a new and improved Qualifier database for standardized comments, footnotes, and qualifier statements; full validation of all vehicles aftermarket car parts history from 1985 and newer; and the addition of components to support multiple Units of Measure and multilingual descriptions and qualifiers.
Aftermarket Car Parts – AAPEX Show
AAPEX is held every year during the Automotive Aftermarket Industry Week in Las Vegas, Nevada, and is limited to automotive professionals. No other event or trade show offers as many qualified buyers and distributors from all segments of the car parts aftermarket. More than 125,000 professionals from every corner of the global community aftermarket attend this show, and over 2,250 exhibitors display their products here.
The different groups and associations that attend this show include manufacturers, wholesalers, warehouse distributors, jobbers, retailers, independent service providers, technicians, parts stores, manufacture’s reps, exporters, importers and packagers.
Aftermarket Car Parts – SEMA Show
The SEMA show is held every year in the Las Vegas Convention Center and represents the fastest growing segment of the specialty automotive aftermarket industry. Eleven miles of aisles packed with profit-making products for several niche markets including, light truck, street rod, wheel/tire, restoration, on-board technology, street performance, off-road, restyling, racing, mobile electronics, and import/sport compact performance.
At this show you will be able to meet over 4,000 aftermarket car parts international exhibitors and share the most current industry trends with them. Over 7,500 new products are introduced at this show every year; no wonder that visitors came from 113 countries last year. If learning about the future of the aftermarket is one of your goals, you are in luck because 100 educational seminars, workshops, and product demonstration clinics are offered.

Technical Training Needs For Career In Automotive Industry

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In the recently held National Hot Rod Association Museum in Pomona, Calif, the automotive experts while discussing future of the industry, focused on the role of automotive industry technology in changing the industry and expressed concern about the availability of qualified talent. In the discussion held, the necessity to reach young people early, recruiting them in automotive industry for their career and imparting top-notch technical training to suit industry was largely emphasized. The continuous growth in the number of vehicles is likely to create new jobs for workers performing basic maintenance and repairs in global automotive industry, including USA. More entry level workers with technical trainings will be needed.

Qualified technicians with formal training, good diagnostic and problem-solving skills and training in electronics and computer field will be in demand as entry level workers. Finding talented employees with the right skills will be difficult unless they are trained by professional institutes to meet future need of automotive industry.

The key aspect to get new people into the automotive industry is to catch them young and ignite passion in them which will hence help to meet the future challenges. The industry ensures the young people great career growth along with the rise of the automotive industry future.

The challenge for technical institutes imparting technical training for automotive area is to deal with students who do not have very basic knowledge about the industry or even the names of the basic tools used. There is an influx of aspirants from the construction industry who need to be trained well for the technical automotive industry. Therefore the curriculum needs to be designed to cover the technological aspects of the automotive industry along with matching upto the level of students coming for technical training. The institutes must adjust to current and even advanced technologies so that students can handle more hybrid technology and advanced diagnostics to meet future requirement of global automotive industries.

Vocational education and technical colleges are required to help the industry meet with the requirement of its future talent by designing the perfect curriculum and also imparting appropriate training.

How auto dialer software can help to save money

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We live today in a very complex and difficult economic conditions, job security and corporate security are almost nonexistent. The way business functions have undergone a radical change. Competition has become so strong and intense that companies are willing to retain their existing customers and their current market share rather than move on to the next level.

Survival is at the top of the agenda of all these companies and therefore, is always looking for ways and means to reduce costs. Selling and marketing are an important part of any business expenses and therefore, coming out with new and more cost effective is always top of mind for many companies.

A technology that saves a lot of money is auto dialer software. In times of recession and reduced customer demand, the most important thing is to have the ability to focus on the customer profile type who is interested in purchasing a product or service. No time or resources available to make dozens of calls before finishing with a potential customer. The whole concept of cold calling on the phone has undergone a sea change with the advent of automated dialing software.

The concept on which auto dialer software is built on the assumption that sales and businesses in difficult economic situation has to move fast. The prospects are very hard to get and as an entrepreneur if you are late you’re likely to lose perspective that is sure to be poached by competitors.

The concept of automated dialing software makes sales or telesales telemarketing is not only profitable, but also fun. In a normal situation of a telemarketing team have been around 50-60 calls in a shift of 8 hours. The same seller on the phone with the help of automated dialing software will be easily able to make more than 150 calls. This not only increases the chances of sales by almost 100 %, but will also be a big boost to the morale of the telemarketer.

Another advantage of the auto dialer software is the ease with which it can be installed and used. It requires no software download cool because everything comes in a ready to use format. Most of the auto dialer software is very affordable costs as low as $ 2.25 a day.

In such a situation, when cost is a major constraint, this software is really a blessing from God and helps people to sell more to more people. Reduces dropped calls and increases productivity telemarketing staff apart from increasing their levels of motivation.

For more information about how Cloud based Auto Dialer, Hosted Predictive Dialer, Call Center Software, Hosted IVR and Hosted IVR may work for your small business, visit the LeadsRain.com.

Understanding Texas Auto Insurance Laws

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Examining the Minimums for Auto Insurance in Texas

Have you recently moved to Texas or are you a young driver just looking into auto insurance in Texas for the first time? If so, you might not yet be aware of the minimum requirements for Texas auto insurance policies. Today, we will offer you a closer look at minimum requirements, as well as what to seek when you are looking for Texas insurance.

The Main Points of Minimum Texas Insurance

Liability limits are 25,000 for bodily injury
or death to one person and 50,000 for bodily
injury or death to two or more people.
Liability Texas auto insurance also means a
minimum of 25,000 in coverage for damage or
destruction of property.
Texas does offer the choice to post financial
bond and provide self-insurance in lieu of a
traditional Texas insurance policy.

What Other Rules Govern Texas Auto Insurance?

You will find that in Texas, you must carry policy minimums on every single car that you own. Proof of insurance is required to be in the vehicle at all times, and driving a motor vehicle without this proof will result in fines between $175 and $350 for a first offense, with fines increasing for subsequent offenses. If you are caught without proof of insurance three times, your driving privileges will be suspended. It is also important to note that insurance is required on your vehicle before you will be allowed to register it with the state.

Dont Let Your Texas Auto Insurance Lapse

If you live in the state of Texas and have a vehicle registered with the DMV, a lapse in coverage will be automatically reported. Allowing your coverage to lapse can result in license suspension if you are caught driving. Maintaining auto insurance in Texas is absolutely crucial.

Why Do I Need Insurance?

If you are trying to understand why Texas insurance is mandatory, consider this. No matter how excellent your driving skills may be, all it takes is a moment of distraction or even a flat tire to send your vehicle out of control, damaging property and possibly even hurting or killing someone. Without Texas auto insurance, you would be held liable for all expenses, and without the money to pay, injured parties may not be able to receive proper care. Insurance laws protect you as well as others, and maintaining mandatory minimum insurance isnt just recommended, its the law.

Discount auto parts High performance products at low price

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If you are looking for discount auto parts just to save some money on the whole, there are many resources that are out there. You simply have to learn where and how to look for the options. Since discount offers are not normally visible or apparent or disclosed by the dealers. You have to find them out and negotiate with the dealers. Probably you get a discount on buying large scale of auto parts which is possible if you have a garage to run and maintain. So, there are offers available, what you need to do is invest some time, do research and sort out the deals that are beneficial for you.

If you have a small garage and you do most of the work on your own, it is very easy for you to go and look for discount auto parts. If you find it easy and convenient, you can search for them on internet. Here you will be able to see various offers as many online stores share their profit range with their customers so that they get a good volume of sale even if they compromise a percentage of their profit. Look for these types of online websites that can offer you discount auto parts that you need at this moment.

Another place to look for auto parts at lower price is Auto Dismantlers. You will find a huge lot of dismantled or used cars and you can have the pick of the auto parts you need from there. If you need some specific parts like taillights, select a car that has some other problem and was sent for dismantling but has its taillights intact and in good condition. If you are looking for some new taillights, you can go to online shopping websites that deal with brand new auto parts.

In fact, there are various resources out there. If you have access to computer and internet, you can easily shop around and look for options and compare the prices and evaluate the quality of the products. Just make sure that you deal with authentic websites and reliable and dependable online stores.

Ford Falcon-XR8 from Macarthur Automotive

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Ford Australia just launched their all new Ford Falcon XR8 presenting new exterior and interior architectures and designs, all-new front suspension, advanced power trains, more torque, and most importantly, an improved fuel economy as well as a functional and efficient safety package.

The Ford Falcon XR8 has some similarities with the XR6 Turbo. The only difference is with the engine and with the signature power bulge. The modern Boss 290 5.4-liter four valve V8 engine boosts the XR8, not to mention its engine being complemented by a new exhaust systemthe Semi Active Muffler (SAM). The SAM gives out an unmatched, sporty V8 exhaust note, while it delivers a better kind of interior environment.

Strictly speaking in pure visual terms, the interiors of Ford Falcon XR8 have a classic look that is highlighted by soft blue night-time dashboard lighting and splashes of chrome. The stereo also is now better compared to previous makes. A six-disc MP3-compatible CD changer is matched to an eight-speaker 150W amplifier and subwoofer package, giving out a great solid sound all through out the vehicle.

When it comes to riding or driving the Ford Falcon XR8, despite its bulk at the front end, the XR8 seems to be more balanced than Ford GTs speed. You can pretty much accelerate pleasantly with XR8 since its only highlighted by smooth changes in the ZF 6-speed automatic gearbox. In addition, XR8s sequential sports shift is also handy since it anticipates and monitor whatever driving style you have which can sometimes let you stay in a low gear for a longer time.

The Ford Falcon XR8 is the very first Australian built car to garner a five star safety rating from the Australasian New Car Assessment Program, also known as ANCAP. It scored 34.6 out of 37 points and received five stars for passengers safety which prove that Ford Falcon XR8 can be one of the safest cars ever made.

If you are interested and may want to buy a Ford Falcon XR8, Macarthur Automotive can give you tips and can guide you in getting the best deal for a Ford Falcon XR8.

The Macarthur Automotive is not just another motor dealership in Australia. The staff of Macarthur Automotive is very dedicated to the community and its people. Roots of integrity run deep! A local business with integrity and honesty is where it all starts. Adding to that our well-equipped dealerships, highly trained, friendly and knowledgeable staff that stand behind their work and you have the Macarthur Automotive.

They operate 8 franchises in the Macarthur automotive including: Ford Campbelltown and Narellan, Chrysler, Jeep, Dodge, Honda, Suzuki, Kia and Mercedes Benz. And not to mention their quality pre-owned vehicles.

Auto Text Messaging Systems Are Perfect For Internet Marketers

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Body w/o Links:
There is no ignoring that Auto SMS Systems are now assuming their due place on the internet marketing arena. While global corporations have been making use of continuous and mass communication strategies for years, including 24/7 customer outreach via off-shoring and follow-the-sun approaches, Auto SMS marketing has put this tactic well into the reaches of small and medium organizations. Auto SMS systems are an effective way to quickly and cheaply distribute your marketing message to a sea of potential consumers.

SMS marketing is taking on an ever greater role in influencing consumer behaviour as more and more consumers use their mobile and smart devices to make purchasing decisions. SMS marketing has come a long way since the old internet marketing or email-based marketing approaches. While they have no-doubt been born out of internet marketing and web-based advertising, the popularity of SMS marketing and Auto SMS Systems has increased of late, thanks mainly to the demand for mobile smart devices. While many internet marketing strategies are ‘pull’ based, depending on consumers to initiate contact with a website, SMS marketing offers organizations a more proactive ‘push’ based approach to connect with its customers. Using quick response technologies, such as smart mobile devices, consumers are more prone to respond positively to a well designed SMS message and in the process commit to an ‘impulse buy’.

Like any technology however, Auto SMS Systems must be put through a vigorous testing process to ensure it meets your marketing needs. Using test message marketing could be one method to measure the effectiveness of an Auto SMS System before you subscribe to a service or buy a tool. Through use of a test message marketing strategy, one can measure the effect of the marketing campaign on a pilot group before mass broadcasting the SMS message. Many Auto SMS System providers and carriers permit either a handful or an unlimited number of test messages. Sending test messages to yourself through your Auto SMS System, and then verifying key aspects of the message is a good way to validate your SMS message marketing strategy.

Even “minor” issues with things like font sizes and colour can be highlighted with a well planned test message marketing strategy. Sometimes, Auto SMS System providers impose restrictions on the size of an SMS message. Such limitations may seem restrictive, but when used in conjunction with other complimentary SMS messages, can result in greatly determine consumer choices.

Similar to conventional phone, mail and even email marketing, Auto SMS Systems may also be subject to legislation. Industry overseers and mobile phone carriers have guidelines to determine fair use of SMS messages, including consumer choice to opt-in/out of an SMS marketing campaign. Failure to abide by these rules can lead to severe penalties or being barred from carrying out business over a carriers network.