Tuesday, March 13, 2012

Valuing classic cars.




How much to pay? Well, the actual value of a classic car will vary considerably. It depends on condition, make, model, year and of course, what is it worth to you? Just how much would you pay to have that special car sitting on your drive at home?





Be realistic! Just because you can isn't a good enough reason to buy a chassis of a 1926 Rolls Royce if you have no idea where to get the rest of the car and no idea of what to do with the parts if you can get them. Providing you followed the advice above on checking the car over, you should have a good idea of whether you are bidding for a car you can drive away or one that will take months before it even has wheels.





If you read the magazines, talked to the owners club and browsed the Internet to get a good idea of what your aimed for car is selling for, then you should have a price in mind that you will pay for the car depending on its condition.





Most classic car insurance policies include an agreed value based on the market value of the car. At the end of the day, it is up to you and your budget. If you feel happy with what you have paid for your car then that is all that matters.



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Outfitting your vehicle with a parking sensor to enhance your driving experience




The is a versatile device that allows users to experience driving at a more casual pace. A is dedicated to providing video footage of areas that cannot be seen by the vehicle's mirrors. The is also capable of playing back audio clips when an object gets too close to the vehicle. There are numerous models available online through vendors as well as in brick and mortar stores near to you or to your convenience. Sensors and rear view cameras are essential for beginners and elderly drivers due to the number of vehicles present during traffic. The screen and cameras can be connected wirelessly to the feed and allows the user to switch between numerous views at will. The screens vary greatly among different models. A camera will often vary between 10.2 and 12 inches. The larger screen is capable of producing a more vivid image and video.





The is a versatile device that is designed for drivers. It comes in variety of different forms and sizes and can fit into almost any type of car interior. Car interiors can be adjusted to fit many different type of screens. For vehicles that do not have interior space to spare, users can utilize sensor that are automated to playback set sounds when an object is in close proximity of the vehicle's dimensions. To find the perfect buyers must first consider their level of skill and budget as there are numerous available on the market.





can be purchased from numerous vendors located both at car spare part stores and online. Many of the parking sensor models come packaged with several sensors and a single screen that is tuned to receive the signals of the sensors. can also be purchased at a lower price without the high definition screen. Distance measure units can be placed and users will be able to determine the distance between an object and the vehicle. This is useful for more budget oriented buyers as it costs a fraction of the price of a screen inclusive.





The can be a vital utility for any driver. Installation and managing the device can be accomplished during services and maintenance. A parking sensor can be connected to almost any type of vehicle regardless of brand or make. Parking touch screens can be connected directly to other devices within the car to display variables such as temperature. Motion sensors and a variety of other measurements can also be displayed through the screen. QW





are a crucial component of almost any type of driver. The can be powered independently or through the vehicle's power source. are a cost effective security measure for drivers who are just beginning to experience the joy of driving, it can help reduce minor collisions as well as increase the driver's awareness of the dimensions of the car. Parking sensors are available online through numerous sources.



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Monday, March 12, 2012

Buy and classic car insurance




Collector Car Insurance and Classic Car Insurance





If you are fortunate enough to own a classic car - or any collectible automobile - then you want to ensure that your luck does not run out because of having inadequate insurance coverage. Call it covering your butt - or covering your "asset" - but by all means, call one of the major providers such as American Collectors, Haggerty, or Parish Heacock insurance companies and let them put you in the driver's seat in terms of professional protection of your cherished automotive investment.





How to Kick the Tires on Classic Car Insurance





The whole idea of insurance is that it needs to do what you expect of it in an emergency, when the rubber really hits the road. And classic car insurance is as different from conventional auto insurance as, well, a classic car is from your run of the mill generic vehicle.





When you buy a classic car insurance policy, you are essentially purchasing protection for those times when - God forbid and knock on wood it doesn't happen - disaster strikes in the form of a fire, a collision, or an act of theft or vandalism. Just as we now have modern airbags to save us in the event of a crash, we also have collector's car insurance, to protect us with adequate moneybags when calamity throws a wrench in the works.





The time you invest in choosing the right classic car insurance coverage is well worth the value and peace of mind that a quality collector's insurance policy delivers for owners of classic motor cars.





The Nuts and Bolts of Classic Car Insurance Coverage





Collector car insurance is not the same as the insurance you buy for normal coverage of your daily transportation. Collector car insurance, or classic car insurance, is made especially for the needs of the car collector. And while ordinary insurance does offer some protection, no matter what you drive, it can leave you high and dry in the event of a loss that it not effectively covered by the terms of the insurance contract.





For example, you may have a garage-kept Cadillac Sedan DeVille with swooping fins your grandparents bought for $7,000 brand new back in the 1960s. But dealers have offered you three times that much, and you saw another one sell at an auto show for $35,000. If you don't have special collector car insurance or classic car insurance, and the car is totaled, you will be lucky to get $7,000 for it. With depreciation calculated in, the insurance statisticians may decide that it is worth only half that much, or less, and you could wind up with two or three grand in exchange for your dream machine.





Stipulations or requirements normally encountered while shopping for collector car insurance or classic car insurance:





A decent driving record. At least 10 years driving experience No teen drivers on the policy or drivers with poor driving records Secure and out of the weather garage Proof that you have another car for daily transportation Collector vehicle insurance is sometimes limited by the age of your car, and if your car is too young it may not qualify for a particular policy. Limited mileage. You probably don't want to drive your creampuff car all the time, and your insurance company doesn't want you to either. Mileage limits have increased recently, though, so if you can live with 250 miles a month you're probably okay.



Coverage with collector car insurance or classic car insurance: Three kinds of value are important to understand when buying your policy. 1) Actual cash value: This is what you usually get with ordinary insurance, and is based on replacement cost minus depreciation.





2) Stated value:





The insurance company pays up to the stated value of the car, but may not guarantee the full stated value. And deductibles of up to $1,000 usually apply.





3) Agreed value:





In most jurisdictions, those who provide collector car insurance or classic car insurance are allowed to insure for a value that you and your insurer agree upon. And for most autos, there is no deductible. If your $100,000 vintage Rolls get trashed, you get a check for 100 grand, plain and simple - which is exactly why collectors use special classic car insurance coverage.





Do a periodic review of your coverage limits, because classic car prices are rising. What you insured your cherry classic for ten years ago may be a fraction of what it's worth today. And if you are restoring a vehicle, ask your agent to give you appropriate insurance. There is no need to pay extra based on mileage statistics, if your car is up on blocks with no engine inside it. And as the car's value increases thanks to your hard work of restoring it, you should raise the coverage to keep up with the added value of the restoration.





Keep all your receipts and paperwork - for everything from parts and labor to expenses incurred to take it to a classic car show - so that you can document the total investment your collector's car represents. And take photos and keep them updated, for the same reason. And Last But Not Least: Special Savings Opportunities





As long as you meet the criteria in terms of how you use and take care of the car, you can usually buy a policy.



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Ford Fiesta Engine: Components of Engine and Report of Engine of Different Model’s Coupe




There are different types of Ford Fiesta models and the engines are not same for every model of Ford Fiesta. Some models are Ford Fiesta Turner, Ford Fiesta Hatchback, Amigo, Bambi, Bebe, Bolero, Cherie, Tempo, Chico, Fiesta, Forita, Metro, Pony and Sierra. The engine for the each model is not same. Some engines are 1.25i 16v (75Hp), 1.6i Turbo (133Hp), 1.6xR2 (84Hp) and 1.25i 16v (82Hp) etc.





Ford introduced three types of innovative model coupe named Hatch Back -Figo which are touched the Indian roads in March 2010. Now Figo turn out to be a king among the hatchback. The Ford consist both diesel engine and petrol engine. And most significant information is that each types of Figo have 5 models. Every model have same engine as that of previous mileage king fiesta diesel in order that these can keep up high mileage.





The models of petrol engine are- FIGO LXI, FORD EXI, FIGO ZXI, FORD TITANIUM and FIGO TITANIUM WITH ALLOYS. And every one of this bring into play 1.2i engine which is more power full engine in this series.





The models of diesel engine are- FIGO 1.4 LXI, FORD 1.4 EXI, FIGO 1.4 ZXI, FORD 1.4 TITANIUM and FIGO 1.4 TITANIUM WITH ALLOYS.





The models of diesel engine are- FIGO 1.4 LXI, FORD 1.4 EXI, FIGO 1.4 ZXI, FORD 1.4 TITANIUM and FIGO 1.4 TITANIUM WITH ALLOYS.



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Sunday, March 11, 2012

How to Find the Best Auto Insurance For a Classic Car - Tips For Finding Cheap Antique Car Insurance




How can one find the best auto insurance for a classic car? Is it even possible to find cheap antique car insurance? Classics cars can be well worth the sometimes pricey cost of upkeep and storage - there is no need to have to pay more for insurance coverage than necessary. Read on to learn some of the things that you should know before you purchase a classic car auto insurance policy.





Who hasn't turned their head while driving down the road to get a better look at a classic or collectible car? We're enamored with the lines of the car as well as its pristine condition. But the detailed attention in maintaining a classic car's flawless appearance and operation is not only to draw admiring looks, it is also necessary in order to keep up the market value of the car. For this reason, along with others, specialized classic auto insurance policies were developed to meet the needs of classic and collectible car owners.





Another reason (a very important reason), for insuring your vehicle as a classic or collectible is the greatly reduced cost of classic car insurance relative to standard auto insurance. Standard auto insurance can cost as much as 200%-300% more than classic auto insurance. So, what is the biggest factor that causes such a great disparity in price between classic auto insurance and standard car insurance? Generally, collector vehicles are driven on a limited basis (the garage is where they are usually found). As a result, the risk of accident and loss to collector vehicles is considerably lower than the risk involved in vehicles that are regularly driven.





DOES YOUR VEHICLE QUALIFY?





The following is a list of classifications for collectible cars.





Antique cars - 25 years or older



Custom cars - 1949 to present



Classic cars - 20-24 years old



Collectible cars - 15-19 years old



Exotic cars - less than 15



Street rods - Pre-1949





This is the standard listing for those cars that are considered eligible for classic car auto insurance, but certain cars may be accepted at the discretion of the insurer. Sometimes, classic car insurers will customize an insurance policy for a particular vehicle.





WHAT ARE THE RESTRICTIONS ASSOCIATED WITH COLLECTOR VEHICLE INSURANCE?





To keep collector auto insurance rates low, certain usage limitations are placed on the insured vehicle.





Cannot be used for everyday use. This rules out using it to drive to work, run errands, or go out for that bite to eat. Under a classic car insurance policy, car usage should be limited to driving to and from car shows and the occasional parade.





Cannot be driven more than 2,500 miles per year. 2,500 is a fairly standard number among insurance companies that offer classic coverage, but there are some insurance companies that have mileage plans that allow up to 5,000 or 6,000 miles per year. This increased mileage limit was put in place to accommodate those drivers who like to take their cars to distant car shows. Of course the premiums are greater.





Must be kept in a locked garage. A locked enclosed trailer will also do, but a carport will not meet the grade even if you live in a gated community with a security guard. (The weather is also an enemy of the classic car). Some policies might stipulate that a car cannot be left unattended in a parking lot. This means leaving your car in a motel or hotel parking lot might present a problem.





WHAT CONSIDERATIONS SHOULD BE KEPT IN MIND WHEN CHOOSING CLASSIC AUTO INSURANCE?





Does the company offer Agreed Value Coverage or Stated Value Coverage?





Agreed value lets the classic car owner and the insurance agent set a value for the auto that does not necessarily reflect the market value for that car. Usually, the insurance agent will have to do a thorough inspection of the car both inside and out and will require photos of the vehicle.





What are the usage and mileage restrictions?





Find the policy that best suits your plans for using the car. Why pay for a plan that covers mileage for 5,000 when you know that you won't even come close to using the 2,000 miles available in a cheaper policy.





Can you choose your own repair shop?





The Mom and Pop shop down the road might do a good job on your regular car and offer the lowest repair bid in town, but do you really want them working on your classic "baby"?





What company underwrites the policy and what is the rating for that company?





You want to be sure that the underwriter has a good track record and is going to be able to fulfill all of their obligations even if for some reason there is a larger than normal influx of insurance claims.





Are there any discount programs available?





A good insurance company should always inform you of any discounts that are available to you, but it doesn't hurt to ask.





Does your insurance offer insurance for classic or modified cars that are under construction?





Some companies will monitor the progress that is being made on your vehicle while it is in the garage for repairs and modifications and allow you to adjust the value of the car as the project continues. Also, this type of insurance covers damages to your auto in case of a catastrophic occurrence such as a fire, or the hydraulic lift fails, or the tool cart falls on your car (with a little imagination the possibilities are endless.)





WHY CAN'T I JUST ADD MY COLLECTOR CAR TO THE FAMILY AUTO INSURANCE POLICY?





You can, but it could be a costly mistake. If repairs are needed you may be forced to accept the lowest repair bid, or if the car is badly damaged, the insurance company could opt to have it totaled. And although a discount is usually given for cars combined under one policy, that discount still may not provide the savings available if the car was insured under a classic auto insurance policy.





Finally, make sure your insurance company has a good understanding of classic cars. In the event that your car is totaled, you want to be able to work with a knowledgeable representative and receive the full value for your car.





COMPARE CHEAP CLASSIC CAR AUTO INSURANCE QUOTES ONLINE





Be sure that you shop around and compare car insurance rates from multiple companies before you decide to purchase. The more you shop the more you may save.





Get started comparing car insurance rate quotes today!



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Facilities Provided by New Kia Brisbane




Modern cars use a hi tech engine immobilizer system to guarantee that your car can not be stolen. Your keys have a tiny chip with a little ariel enclosed in the plastic. The chip is a part of a electrical device system used to check that the exact key is inserted in the lock. The car sends out a signal to the chip, Conveys. Then the chip will use the data it receives to do a calculation and it will send back a signal to the car computer, Reply. Simply if the signal the car receives is accurate all will be good and the car will start. If the incorrect signal is received then it would not start. The electrical device is the key to turn on electrical systems in the car. They include Power to the coil, power to the fuel system, and powering the cars' engine management systems.





Cars with transponder systems include Toyota, Ford, GM, Holden, Hyundai, Nissan, Mercedes, Audi, VW, BMW, Honda, Land-rover, Lexus, Mazda, Peugeot, Proton, Saab, Chrysler, Kia, Subaru, Volvo, Mitsubishi, Porsche, Suzuki, Chevrolet and more. And Kia is one of these. If you ever have lost your car keys then you can be in a lot of problem. Car dealers can cost many thousands of dollars to replace lost keys as they have to replace all the locks in the car as well as other components and computers in the car. With the second hand car market these days it can cost more then the cars value to just get a key replaced.





New Kia Brisbane are now becoming famous worldwide due to their recommendable services and facilities. They always launch great cars with great features. Now days everyone need a car. As it may be needed for old the works but keeping in mind the people of middle class also kia brisbane provides its customers with medium range cars moreover it also provides its customers used kia cars. Kia cars are famous not because of its stylish looks but also the services that brisbane kia dealer provide is appreciable as it provides insurance for the cars. If any kia car stop working within the warranty period than you can get free servicing or repairing of the car from anywhere throughout the world as brisbane kia dealers are situated world wide and its agencies helps their customers so nicely and politely.





Kia cars are definitely capable of attracting lots of crowd on the road while you take it off on the roads . So many people have the dream of buying the kia cars and now the dream can be fulfilled very easily by buying the car from kia rio brisbane.



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Saturday, March 10, 2012

Parish Heacock Classic Car Insurance




Traditional insurers will either refuse coverage, offer only a replacement value based on the nuts and bolts (minus heavy depreciation) of the car, or will charge you a prohibitive amount for the premium. But many collectors find that special collector's coverage saves them money - as much as half - while insuring them for higher limits, sometime three or four times what a traditional company gave them.





Yes, it's possible to get collector's insurance coverage for full market value for your car, and save up to 50 percent off of the premium you'd pay with ordinary insurance. That makes classic car insurance a must-have for any serious car buff.





Below is information about three of the most reputable and dependable collectors and classic car insurance companies in the USA (All information listed below subject to change, please contact the insurance companies listed to be sure.)





Similar to the others listed below, but please contact Haggerty for details. American Collectors Insurance P.O. Box 8343 Cherry Hill, NJ 08002 Email: info@americancollectors.com Toll Free: (800) 360-2277 Qualifications (subject to change or regional laws so check with the company for specific up-to-date information).





At least 15 years old Garage-kept Driven on a limited, pleasure-only basis (up to 5,000 annual miles - available in most states) You may also qualify by: Having at least 10 years driving experience Having a good driving record Having at least one "regular" vehicle for every licensed driver in the household You may request a policy application either directly from American Collectors Insurance or through your local insurance agent (rates are the same either way).



Parish Heacock Classic Car Insurance P.O. Box 24807 Lakeland, FL 33802-4807 Email: info@parishheacock.com Toll free: (800) 678-5173 Qualifications (subject to change or regional laws so check with the company for specific up-to-date information).





Each household member of driving age must have at least 10 years driving experience or be excluded. Each household member must have a regular use vehicle less than 15 years old that is insured with liability limits equal to or higher than the limits being applied for on the collectible vehicle. All licensed members of household and any other drivers of the vehicle must be listed on the application. Maximum of two accidents or violations in the household, maximum of one per licensed household member in past 3 years. No major violations permitted in past 5 years. A Driver Health Questionnaire must be completed for all drivers over 70 years old.





Auto must be stored in a locked permanent garage facility when not driven. Auto may not be used for commuting to or from work or school, used for business purposes or as a substitute for another auto. Autos not covered while on a racetrack or when being used for: racing, speed, driver's education, or timed events. Must display pride of ownership: well maintained, in restored or well-preserved condition. Vehicles under restoration must be stored at residence or a restoration shop, with a target date for completion. Agreed value coverage is not available on cars under restoration. Eligibility subject to company review. Replica Vehicles and Pro Street vehicles are subject to company review. Trucks and Jeeps must be over 25 years old, and not be used for towing, hauling, off-road or utility use. Generally do not require appraisals, but may ask for one if vehicle value is difficult to determine.



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