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How to Cut the Cost of Car Insurance
January 2nd, 2012 | 
Author: When I was 17 I wanted to own a Ferrari and live life in the fast lane. Even if I could have afforded the car, then I couldn’t have 
afforded the insurance to cover it. At 17 you are brand new to the world of driving and statistically you are more likely to make an insurance claim. Mixing high-powered cars with inexperienced drivers is not something car insurance companies are super-keen about, the chance of a claim shoots through the roof with the price of the premium following it. When you are young and inexperienced, buy a low-powered, low value car to try and keep your car insurance premium to a minimum. If it is worth less then it will cost less to fix/replace when in your youthful exuberance you crash it. The same logic actually applies to everyone, the lower the value of the vehicle and the lower the car insurance policy will be in most cases. Sports and premium cars will always cost more to repair in an accident so the insurance will reflect this. New cars now feature myriads of anti-theft and driver aids that in many cases will help to reduce the cost of insurance so keep an eye on the spec sheet when looking at a new car. A good rule of thumb is that less desirable and low value cars are cheaper to insure.
Age is a concern
I mentioned it above and it bears repeating. Generally the younger you are the higher your car insurance premium. This is down to inexperience and the youthful belief that bad things will never happen to you. The statistics say otherwise, which is often a shock to an unsuspecting young driver who ends up in a crash wondering how it happened to him…Driving experience and age are usually linked and that leads to a method of reducing your insurance premium – whatever age you are you will benefit from advanced driving courses and many car insurers offer discounts for these qualifications. It may only be a five – 10 per cent saving for the course but on a premium of £1000 it’s worth having the saving and it will remain with you for years, so it should be a good investment, not to mention make you a better driver.
Keep adding to the no-claims bonus
The more years you can accumulate without making a claim the better as most car insurers will offer a discount on your insurance for this. Effectively you are proving you are good business to have and because you haven’t made any claims then you are a good risk for them to underwrite. There’s nothing you can do here but keep your nose clean and don’t make a claim. If you own a low value vehicle and dent it parking, you’d be advised not to make a claim on comprehensive insurance because it would reduce your no-claims bonus, likely to be for a small amount of money and you may even end up paying for most of it depending on excess. In that case, provided you have not caused damage to any other vehicles or property, keep quiet, fix it yourself and your saving on no-claims bonus will be sweet the following year – in time, when you have built up three or more years no-claims bonus, you can actually protect your bonus, meaning even if you make a subsequent claim you will not lose your bonus.
Convictions aren’t cool
If you are an inner-city teenager then an ASBO may be a badge of honour. Insurers are less impressed by convictions though, so it is best to avoid them if you can. Minor speeding offences are certainly not in the same category as serial killer though, so if you have a couple of points it will not be the end of the world or have a major influence on your premium depending on the insurer.
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Chevy Introduces Muscle Cars
Chevy has a long established history of creating cars that not only looked fantastic but proved durable and let us face it, classic Chevy cars turned and still turn people’s heads. I want all classic Chevy fans to join me as I travel down memory lane in giving these classic cars their due.
Do you remember the 67 Camaro? This car was Chevy’s answer to the Ford Mustang. The engine in the SS model was 350 V-8 that produced three-hundred horsepower. The car lasted through five generations of design upgrades. Sadly, production ceased in 2002 but was reintroduced to Chevy fans in 2010 and was awarded the Design of the Year Award. The Z28 was produced and designed for racing enthusiasts and competed in the Trans-Am series.
One vehicle that still turns heads to all who see it is the El Camino. Originally, this car was viewed as a small SUV (small utility vehicle). No one ever thought this car would join the ranks of “Muscle Cars.” What made this car so unique is that back in 1966 the 396 engine was offered which was also available with the Chevelle. The Super Sport Edition was equipped with a Turbo Hydra-Matic Transmission and a 350 V-8 that allowed this Muscle Car to run the quarter mile in 14 seconds.
One vehicle that fought hard to park beside the Classic Muscle Cars is the Chevy Nova. This car was not known for fashion but rather was known for its compact form, speed and light-weight. The design that was given to the Nova was originally planned for what was called The Chevy II. The 64 models contained a V-8 engine that was 195 horsepower, 2-barrel 283.
If you grew up in the fifties, you might not remember the Bel Air. Why is this you might be wondering? The answer proves straightforward, the Bel Air was not as popular as Chevy imagined or hoped in the fifties. Popularity gained for this car in the sixties with the help of the Beach Boys hit “409″.
The Chevy 150 is remembered specifically for the number in the title. The numerical designation originated from the production series number which was also utilized in Chevy’s company reports. Production of this car ceased in 1957 and was replaced with the Delray. The 150 is not as valuable for collectors in comparison to its relatives the Bel Air and Two-Ten models. On a positive note, 150s that contain a V-8 engine are popular with hot rod collectors and enthusiasts because of the lower prices and curb weight.
The topic of COPO came up in a recent discussion about muscle cars the other day. For the record, COPO is an acronym that stands for “central office production order”. This term was used frequently during the muscle car era in flagging vehicles that could be ordered directly from the factory. I will officially announce that the recent COPO I viewed was sparsely equipped with no rear seats and did not have air conditioning. If you are racing enthusiasts, you will enjoy the racing bucket seats in the recent versions of these cars.
If you are seeking to obtain a Muscle Car while saving some of your hard-earned cash, you should consider the Biscayne. The reason collectors are not beating the doors down for this model is because it has always lacked luxurious interiors and exteriors. You can find these models significantly lower in price in comparison to the mid-line Impala.
If you enjoy four-door sedans, the Chevy Deluxe was introduced to the world in 1941. The following year, they offered a fastback two-door “aero sedan.” The production of this model was delayed because of War World II. Chevy stopped regular production of these models and instead focused on producing sedans and coupes for military usage.
Classic Chevy fans can all agree that Muscle Cars are sights to behold. We all have our memories of these cars and no matter how Ford wants to try; they will never be able to hold a candle to Chevy’s finest, no matter how hard they try.
Tips in Restoring Muscle Cars with Their Classic Style
A classic car would bask more in its beauty after you will have it restored. Even if it is beautiful in itself already, you might need to tweak it a bit so that you would improve their performance. Car restoration of muscle cars might frustrate you in the end but it worth a try. Here are some useful tips that you can use to restore these cars.
Work Space
Make sure that you have a ready space where you can accommodate the car that whole time you are restoring it. The space should be left undisturbed and this should not mean consuming significant space at home. However, your garage should be on top of the list of places to consider.
Plan
Examine the car and list down every part that you want replaced. Do the inspection thoroughly. During the inspection, take sure notice of the tops parts that need replacement or repair, parts that are rusted and are victims of corrosion, broken parts, missing parts such as nuts and bolts, worn out parts, and the electrical parts.
Selection of the Right Parts
Buy only those parts that are similar to those that you need to replace. Buy the original parts or the ones closest to them. You should consult an expert on cars to avoid trouble for your car, your money, and yourself.
Paint Job
Find shades of paint that match the original color of the car. Do not forger to polish the chrome parts.
Interior
The leather seats should be restored using leather with the same color. Clean out the seats and the leather properly.
If you are dying to start work on American muscle cars, you should go to Harwell Motors Sherman Texas. This is car dealer that will give you among the best deal in its cars for sale. You will still get beautiful cars but at more affordable prices.
Benefits of car leasing
Before discussing car leasing benefits you should know about the car leasing – car leasing mainly a process of getting a car for a certain time period such as two or three years it is usually beneficial for those people who wants to enjoy the comforts of an car or those who have a fond of drive new and latest cars after a few time period. You can buy your favorite car from car salvage company.
Benefits of car lease deals: -
- It enables you to change your car every year
- You know the total cost of the car as the interest and monthly payments are fixed
- Usually the car loans are more expensive than the payments of a car lease deal
- Interest rates are usually lower than a car loan
- These are more flexible than any other car loan
- By using these deals you can take the pleasure of driving a new car as well as a used car according to choice.
- Payments can be a tax deduction for business vehicles
A car lease deal is suits to everyone especially for business purposes. Now there are also some services who buy the damage and inoperable cars so one whose car is damaged in a road accident then he can earn some money by selling his useless car to these Motor homes services.