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27 Jun 10 Car Credit And Financing Facts For Car Shoppers

May 25, 2010 – 11:32:22 PM
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Car Credit And Financing Facts For Car Shoppers

What you should know about credit before you go car shopping. Car financing and credit facts you should know before you go to the dealer. Get a credit report to learn your credit score so you know where you will stand with financing.



(ARA) – Whether you’ve decided you’ve gone through your last winter without four-wheel drive, or you’re rewarding yourself for making it through the recession with your financial health intact, summer is a great time to begin shopping for a new car. And experts predict that car dealers, still stinging from some of the worst sales years in motoring history, will welcome summer car buyers with great deals.



But will you be in a position to take advantage of the possibilities? What good does zero percent financing, payment-free grace periods or value-added incentives do for you if you don’t have the good credit you need to secure financing? It may be an auto-buyer’s market, but lenders are in the driver’s seat, and many are still putting the brakes on financing for those with less-than-great credit scores.


To get the car you want at an interest rate you can afford, it pays to be proactive. Before you set foot on a dealer’s lot or peruse the auto section of the newspaper, take these steps to ensure you’re in a position of power when it comes time to negotiate your auto loan.



Step One – Secure Your Credit



Your credit score and an accurate credit report are your most powerful tools to help you negotiate for the best possible deal on a car loan. If you apply for financing before you know what your score is, or what information is contained in your credit report, you’ll be the only one in the transaction who’s ignorant of your credit worthiness. Potential lenders will definitely look at your credit report and consider your score when deciding whether to give you a loan.



If you haven’t done so recently, obtain a copy of your credit report and score. Web sites like freecreditscore.com make it easy to begin evaluating your credit. You’ll be able to see how your spending behaviors can impact your credit score and report, and track both over time.



With your credit report in hand, look at the factors that a lender will be interested in, such as your payment history, the total amount you owe to all your creditors, the length of your credit history, recent new credit applications and the types of credit you use. If there are errors or negative items on your report, work to clear them up before you approach a lender for an auto loan.



Step Two – Secure Your Financing



Experts agree that the best loan deals are rarely found at dealerships. Just as being pre-approved for a mortgage makes you a stronger negotiator, getting approved for vehicle loan before you go shopping puts you in a position of power. Banks and online lenders can often offer you a better interest rate than you might find at a dealership. Plus, getting pre-approved for your auto loan will help you know how much you can afford to spend on a car, and make you more liable to stay on budget when you’re negotiating a final sales price.



Many buyers, however, find it easy and convenient to go through a dealer for financing. Even if you decide to go that route, it pays to explore other financing options before you talk to the dealer. In order to offer you financing, a dealer may have to go to multiple lenders – which could mean multiple inquiries on your credit report; too many inquiries in a short period of time can actually lower your credit score.



Once you’re confident of your credit worthiness, and you’ve been pre-approved for an auto loan, you’ll be better positioned to take advantage of the many deals available to summer auto buyers.

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26 Jun 10 Five Tips For Motorcycle and ATV Maintenance

May 25, 2010 – 11:41:50 PM
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Five Tips For Motorcycle and ATV Maintenance

Five tips for maintaining your motorcycle or ATV so you can keep your machine in good riding condition. Regular maintenance will keep your vehicle and yourself safe.




(ARA) – Americans have purchased more than 15 million all-terrain vehicles (ATVs) and motorcycles over the past 10 years. Along with the thrill of the ride, or the convenience of chores made easy, comes the responsibility of maintaining these machines.



Typically, most guys and gals with a garage – or at least the garage mentality – know that regular vehicle maintenance comes with the territory, much like owning a car.


But knowing what to do, doesn’t always lead to doing it correctly. The owner’s manuals that come with the vehicle contain a lot of good information, including a full maintenance schedule, but here are a few items you don’t want to miss.



Changing the oil and checking fluid levels – As with any motorized vehicle, regular oil changes are a must for your ATV. Be sure to follow your vehicle’s oil change schedule and, if the vehicle’s been sitting all winter, check all fluids.



Check tire pressure – Check the tire pressure on all tires and follow manufacturer recommendations for air pressure levels.



Inspect or replace the spark plugs – The beginning of the season is a good time to replace your spark plugs, as it is a surefire way to help get your machine started more easily after its winter hibernation. Inspecting the old one is also a good way to give you an indication as to how your engine was running.



Check battery connections – After sitting idle all winter, you’ll want to check the battery connections for possible corrosion and ensure they are solid.



Changing, cleaning and oiling the air filter – This is probably the most overlooked aspect of regular maintenance. Putting oil on an air filter may seem counterintuitive, but it is an essential step when replacing the air filter on many motorsports vehicles. Air filter maintenance is important in everything from a small off-road motorcycle to larger utility ATVs like the Yamaha Grizzly 700. Let’s take a closer look at this important step.



“Anyone that has spent a day on dusty trails and then taken a look at their air filter can attest that the foamy exterior is likely covered in dirt and debris,” says Travis Hollins, Yamaha’s ATV product planning manager. “You need that moist, sticky filter oil to catch the dirt and other particles that otherwise can foul up the engine and cause long-term damage.”



Many miss this detail because most air filters are not sold with the oil already applied. So, anyone cleaning or replacing an air filter will need to add the oil. It is a simple three-step process. Step 1: Remove the air filter. Step 2: Clean the filter with a specially recommended cleaner and rinse with water. Step 3: Allow the newly cleaned filter to dry, then re-apply your filter oil. Your local dealer can provide more advice and recommendations or you can look up more information on your manufacturer’s website. Yamaha Motor Corp., U.S.A., as an example, offers a step-by-step instructional video by logging on to www.yamahaoutdoors.com. Click on “parts and service,” then the “filter maintenance” button to view the video.



For many gear heads, tinkering with the engine and doing regular maintenance provides just as much satisfaction as a long trail ride or day at the track. A little time investment in the garage can payoff in hours of good riding.

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25 Jun 10 Car Safety: Dealing With Blind Spots And Back Up Sensors

May 25, 2010 – 11:53:19 PM
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Car Safety: Dealing With Blind Spots And Back Up Sensors



Car safety: dealing with blind spots with back up sensors for your vehicle. A back up sensor system can reduce the risk of backing up accidents while you are in your car. Learn how you can prevent senseless accidents while driving your vehicle.




(ARA) – In the last four years, 474 children in the United States were killed by back-over incidents, according to Kidsandcars.org, a child safety advocacy group. These deaths are easily preventable, and you can greatly reduce the risk of back-up accidents by installing a back-up sensor on your car or truck.



With SUVs, trucks and large cars growing in size, backing up can pose a serious problem for drivers. Even the most accomplished driver can’t see blind spots, which can lead to costly repairs or serious injury.


A back-up sensor is a small investment to protect your car and those around you. It is especially a good idea if you live in an area with many pets or children. Between 2001 and 2003 alone, more than 7,400 children ages 1 to 14 were treated for injuries after being hit by a car backing up. Many of these accidents could have been avoided through enhanced vehicle safety features, such as a back-up sensor.



Some new cars come standard with some kind of sensory device or camera to help drivers with rearward motion. A lot of cars do not come with factory installed sensors, but there are products on the market available for self installation. A small motion detector system is mounted above the rear license plate with a connection to the audio alarm placed inside your car. The system will beep and a green LED will light up when an object is within 5 feet of your vehicle. As you get closer to an object the beeping speed will increase and additional LED lights will light up.



In addition to being a must-have safety device, a back-up sensor also saves users a lot of money from repairs needed from avoidable accidents. While the average back-up sensor costs 0, repairs to a mirror can be as much as 0, and back bumper replacements and repairs can run as high as ,000.



A PEAK Back-Up Sensor System assists with parking and general rearward motion. It is relatively inexpensive, easy to install and can bring much piece of mind. Back-up sensors aren’t just shiny new gadgets built for luxury. They can be cost effective and life saving. It’s a small investment to make your vehicle safer and provide great peace of mind.



In addition to, or as an alternative to sensors, drivers can also become more alert and take measures into their own hands with other tactics. Mirrors are often bumped in tight garages or even while a car is out on the street. Checking to be sure they’re properly aligned, even just once a week, can make a big difference in being able to see. Also, checking blind spots before getting into a vehicle, and again before making any sudden movements, is always good idea.



Regardless of how you do it, making sure your blind spots are addressed when driving a vehicle of any size can not only save you money and insurance headaches, it may just save a life.



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24 Jun 10 Motorcycle, RVs or Boats Keep Your Toys Safe All Year Long

Jun 21, 2010 – 8:47:23 PM
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Motorcycle, RVs or Boats Keep Your Toys Safe All Year Long

Protect your motorcycles, RVs and boats, how to keep your toys safe all year long. Get the facts from the Progressive insurance company. These are all the possessions we call our toys, but in reality they are all expensive equipment that need to be protected, locked and insured. Make sure you are paying attention to your toys.



(NAPSI)-When you click the lock button on your car’s keyless remote, that beep gives you peace of mind that your car is safe. But when it comes to your motorcycle, RV or boat, locking up isn’t as simple.





These tips from leading motorcycle, boat and RV insurer Progressive can help you feel confident that your toys are always protected, both in and out of season:






Security



• Remove Temptation.



In the off-season, make sure your toy is properly garaged or stored in an enclosed trailer or building. Out of sight means out of mind.



• Lock Up.



When camping, RVers should make sure to lock all doors and windows and turn on a radio and small light when leaving for the night. Also, consider investing in a coupler lock, which can prevent someone from hooking up your trailer to a vehicle and driving off with it in tow.



For motorcycles, a wheel lock prevents the tires from rotating and covers the lug nuts, keeping the wheels securely in place.



• Check On It.



To make sure your toy remains safe in the off-season, check on it regularly, or ask someone to check on it for you.







Protection from the Elements



• Store It Indoors.



If you can, find a spot to store your toys indoors when you aren’t using them, so that they’re safe from any weather damage.



• Winterize It.



At the end of the season, make any essential repairs to your boat or RV, turn off all battery switches or remove the battery entirely. For trailers, store them on blocks if you can to protect the tires.



• Seal It Up.



Avoid leaks and unwelcome critters by securing and sealing doors and windows on your boat or RV as well as properly covering it.







Insurance



• Make Sure You’re Covered.



With the right insurance, you’ll be confident that you won’t have to miss a day on the road or the water. Progressive offers specialized motorcycle, boat and RV insurance that can provide more coverage than if you just added them to your auto or homeowners policy.



• Maintain Your Insurance Year-round.



If you cancel your insurance in the off season, consider maintaining it all year. Companies such as Progressive give loyal customers lower rates and reduced deductibles, and you’ll have the freedom to enjoy your toys 365 days a year.



For more information or to find an independent agent nearby, visit www.progressiveagent.com.

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23 Jun 10 Smart Concrete and Michelle Pelletier

Jun 21, 2010 – 9:04:58 PM
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Smart Concrete and Michelle Pelletier

What is smart concrete and who is Michelle Pelletier?



The Alchemist of Architecture Who Beat Darth Vader – Michelle Pelletier and Her “Smart Concrete”



Smart Concrete? Self-repairing concrete seems to belong more in Stars Wars and Superman than in metropolitan architecture and industrial skyscrapers. Michelle Pelletier, graduate student at the University of Rhode Island, plans to transform this structural legerdemain from fiction to fact. Currently pursuing a Master’s degree, Pelletier, corroborating with chemical engineering professor, Arijit Bose, has developed the revolutionary, inexpensive and self-repairing smart concrete.



Pelletier has delved into a new and exciting arena: self-repairing concrete. This fiction-esque concept is the alchemy of architecture, a veritable goldmine for structural engineers and construction workers. Self-repairing concrete could diminish maintenance, transportation, manufacturing and labor costs. Unfortunately, most current smart concretes, such as those using glass capillaries or bacteria transmitters to secret repair agents, are tremendously expensive, making them about as practical as light sabers and x-ray vision for buildings. Pelletier believes that her novel conception, due to its simplicity of design and easy manufacturing requirements, could alter that situation permanently.



In order to create self-healing concrete, Pelletier injected microencapsulated sodium silicate agents into the concrete. After stress, cracks or fissures, the microcapsules split and release their chemicals into the affected area. The sodium silicate reacts with calcium hydroxide to create a thick jelly which disperses into targeted cracks and broken areas. This gel hardens after approximately seven days. Traditional fillers take anywhere from three to thirty days to fully cure and solidify. Calling the reaction “targeted” and “local,” Pelletier proudly believes that not only is her material less costly than current alternatives, but has a leg up on performance as well.



Smart concrete has an unanticipated but providential benefit. Structural concrete commonly has steel bars set inside to reinforce the concrete’s strength. Unfortunately, these bars are easily corroded when exposed to air, which can be caused by chinks in the concrete. By repairing these ruptures using Pelletier’s healing gel, the steel is protected from corrosion and fracture. Also, the resulting surface film from the sodium silicate may further prevent erosion.



Not only is this concrete intelligent, Pelletier claims, it is eco-friendly too. The U.S. concrete industry is responsible for 10% of America’s carbon dioxide (CO2) emissions. By reducing extraneous maintenance repairs, and by extension, transportation and manufacturing processes, this smart concrete can drastically reduce CO2 emissions, helping to control climate change and increasing air healthiness.



Set aside all the scientific foo-fa-rah, and only one question remains: “Does it work?” In tests comparing standard concrete to the self-healing concrete, when stressed to the near-breaking point, Pelletier’s creation regained 26% of its original tensile strength, next to a regular 10%.



So where’s the kryptonite; where’s Darth Vader in this happy-go-lucky story? Meet traditional concrete. He doesn’t want to leave. And he is the biggest obstacle to self-healing, “smart” concrete.

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22 Jun 10 Rental Car Insurance – Safe or Stupid?

Jun 21, 2010 – 9:12:49 PM
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Rental Car Insurance – Safe or Stupid?

Rental Car Insurance – Safe or Stupid? Find out the facts about rental car insurance policies and how it applies to you. Find out about different types of insurance such as liability, accidental death, collision waiver, and more.



Rental car insurance, is it safe or stupid? The rental car attendant smirks. “Would you like to sign up for a collision damage waiver?” he asks; a glimpse of Don Corleone claiming, “I’ll make you an offer you can’t refuse,” flashes by. Is rental car insurance “good business”?


Some sort of rental car insurance is required. A rental car company, personal auto insurer, or credit card company can provide the coverage.



Rental car companies commonly offer basic insurance, such as liability insurance, personal accident insurance, accidental death coverage, and personal effects coverage. The Collision Damage Waiver (CDW [i.e. Optional Vehicle Protection; Loss Damage Waiver]) is their undeclared white elephant. It is an agreement the renter will not be liable nor will they pay for any damage or theft of his or her rented vehicle. Many times, a supplemental liability policy, which protects the renter against retribution from others, is tacked onto the deal. A CDW can be voided by reckless or illegal activity.



CDW sound like a bargain? Maybe, but at an industry average of – per day, it is costly. Buying a CDW can easily double the rate of rental. Also, most insurance providers already extend their coverage to rented vehicles; purchasing a CDW is just dumping water in an overflowing moat.



While travel gurus used to classify CDWs as a con artist’s game, frequent travelers, the accident-prone, and the anxious may benefit from a CDW. If someone is renting in a foreign country, a business trip, an extended lease, or has no other applicable auto insurance, he or she may be required to purchase a CDW.



What happens if a vehicle is damaged and it is not covered by rental car insurance? Typically, not only will rental companies charge to cover the damage, but may also charge for profit lost while the vehicle is out of service and the estimated lowered re-sale value of the car (i.e. “diminution of value”).



Using a credit card company’s insurance as a bastion against rental insurance loansharking does not guarantee safety. Many credit card companies require rental car companies to reveal their utilization fleet logs, which are commonly regarded as sacrosanct by the rental corporations. Also, credit card insurance is commonly a secondary waiver, which means they won’t pay unless a claim is filed first with the insurance company.



So, is it “good business”? Maybe for the Godfather and the rental car company – but for you? Think again.

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21 Jun 10 Getting Your Teen Driver Ready For The Road

Jun 1, 2010 – 10:05:56 PM
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Getting Your Teen Driver Ready For The Road

Getting your teen driver ready for the road is one of the most important things you can do for your child. Teach your teen about the car they will be driving and about the rules of the road and why they are important.





(NAPSI)-There’s good news for parents who have a teen who’s ready to begin driving. There are practical steps you can take to keep your teen safe when he or she hits the road.


Not only is it important for your new driver to know how to be a safe and responsible driver, it’s equally as important to know the basics about the car itself and what to do in an emergency.



Here Are Some Tips:



• Take the time to get to know your vehicle. Whether it’s brand new or a well-used family vehicle, have your teen take the time to review the owner’s manual.



• Show your teen driver how to check the oil, transmission and steering fluids, and point out where the engine, battery, air filter and radiator are located, as well as the reservoirs to fill for the radiator and windshield washer.



• Teens can be notoriously hard on vehicles when driving, and they don’t always adhere to good maintenance practices. Those are compelling reasons to upgrade to one of the new generation of motor oils. For instance, high-performance lubricant manufacturer Royal Purple formulates its synthetic motor oil to achieve extremely high oxidation stability. This allows for more miles between oil changes and provides an extra degree of protection against haphazard maintenance. Royal Purple’s lubricants have also been shown to improve fuel economy, which can save you money on fuel.



• The exterior of the vehicle is important, too. Make sure the headlights and taillights are all in working order. Check that the wiper blades are properly cleaning your windshield. Invest in a tire pressure gauge, which, in addition to the traditional pencil style, is now available in digital models.



• In the event of an emergency, make sure your teen driver knows where the registration and insurance cards are kept. An easy-to-access place is the glove box. Glove box organizers or registration wallets are great ways to keep those important documents together.



• While parents can’t control other drivers or situations that teen drivers might encounter on the road, they can at least provide the basic tools in a Roadside Emergency Kit. Memberships to auto clubs and a GPS on a cell phone can be helpful, but not always accessible depending on where the incident occurs.



Preassembled emergency kits are available for purchase, but even if you create your own kit, make sure you review with your teen how to use each item in it, such as roadside flares, a quart of oil, a small first aid kit, extra fuses, a flashlight, a multipurpose tool that includes pliers, wire cutters, pocketknife, bottle opener, saw, screwdrivers and files, a tire inflator, rags, a pen and paper, and a help sign or white cloth to signal for help.



To learn more about Royal Purple products, visit www.royalpurple.com.

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20 Jun 10 A Stress-Free Commute

Jun 1, 2010 – 10:15:08 PM
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By Trisha Hessinger

A Stress-Free Commute

Next Best Thing to Vacation: A stress free commute is a drivers dream come true. And you can make it happen by keeping your vehicle in good running condition and following these simple tips. Find some good ideas to keep your commute as stress free as possible.



(NewsUSA) – It may be vacation time for kids, but most adults work through the summer months. Firestone Complete Auto Care recommends some commuting tips for everyone who is spending the summer driving to work instead of heading out on vacation:



* Keep Your Vehicle in Tip-Top Condition.


It is important to keep your vehicle properly maintained. For example, check your tires regularly since they are the only thing connecting your vehicle to the road. You can check your tires’ tread depth with the “penny test.” Insert a penny in the tread with Lincoln’s head down. If you can see the top of Lincoln’s head, the tread is worn, and the tire probably needs to be replaced. If you are not certain, have it checked by a tire professional. You should also have your automotive technician make sure that your tires are properly inflated and rotated. In addition, have them check under the hood to evaluate your vehicle’s other major systems.



* Commute Comfortably.



Wear shoes that are comfortable and safe to drive in — flat shoes with some grip on the soles are ideal. Make any adjustments to your seat or mirrors before you start on your way.



* Don’t Be Distracted.



Stay focused and do not multitask. Make your daily commute your “quiet time” for the day by turning off your cell phone. Even if your local laws do not require it, if you must talk on your phone invest in a headset so you can focus on the road. Make sure that you can still hear honking horns and sirens while using your headset.



* Keep Calm.



Consider leaving earlier or researching an alternative route to miss rush hour traffic, holiday traffic or bad weather. If you know that you’re going to be late, accept the delay. Slow down and keep your distance in heavy traffic. Unsafe driving habits such as changing lanes right before or after an intersection or in a school zone, not signaling before a turn, making illegal U-turns and other activities can put you and others at risk.



If you are still facing the daily grind this summer, take the time to make your commute a safe and pleasant part of your day.

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19 Jun 10 The 2010 SMS 460 Mustang – Art for the Gearheads

Jun 13, 2010 – 4:40:33 PM
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By CarJunky.com Staff

The 2010 SMS 460 Mustang – Art for the Gearheads

Art for the Gearheads – the 2010 SMS 460 Mustang



Steve Saleen, head of SMS Motors, is an artist. His paintbrush is a ratchet; his canvas, an aluminum sheet. His latest sculpture is the 2010 SMS 460 Mustang, a rendition of Ford’s newest Pony. “Everything [Saleen] stands for,” the 460 Mustang is the sole SMS vehicle receiving Saleen’s handcrafted emblem. Like other art it is gorgeous and unique. But it has a leg up on paintings and photographs. It moves. Real fast.



Debuting at the 2009 Mustang Northwest Roundup in Seattle, Washington, the 2010 SMS 460 Mustang is ponied up enough to run down competition and naysayers. Saleen says, “It reflects … my passion and love for the Mustang brand.” The two trims, a powerful base and a beefy 460x, contain more power and panache – and price – than a regular Mustang ever glimpses. The base trim will likely cost at least 40k-45k, while a fully-equipped 460x could run as high as 90k.


Two colossal engines are available. The base one is a 4.6-liter, 470-hp V8 shoving out 427 lb-feet of torque. Its bigger brother, with the help of an upgraded internal assembly and head work, boasts a 5.0-liter, 655-hp V8 with a whopping 600 lb-feet of torque. Standard transmission is a five-speed automatic, replaceable by a 5-speed manual on the base trim or a 6-speed SMST manual on the 460. Both engines use the SMS 296 Supercharger. The 460x sports more aluminum and forged alloys in the engine and a patent-pending Steve Saleen Red Butterfly Induction System.



The exterior bristles with raw Mustang muscle and striking furnishings. Phil Frank, SMS Chief Creative Officer, notes, “Steve Saleen’s new SMS 460 Mustang is a dramatic, timeless and iconic visual statement.” Rolling on 20-inch 5-spoke wheels, with aggressive front and rear fascias, the SMS Red Butterfly Air Induction Hood, front and side splitter and a high down-force inducing rear wing, the 460 Mustang unabashedly dares challengers, “Come get me.”



But the style does not stop with shiny splitters and 5-spoke wheels. The interior brims with premium Alcantra leather, bedecked with the Signature Series chevron stripes. The features rivals a 9-year old kid’s Christmas wish list, offering state-of-the-art amenities like a stolen vehicle recovery system, premium navigation system, high-tech stereo and other options.



So is the 460 Mustang fast? No. It’s blisteringly, swelteringly fast. The base trim rockets to 60-mph in under 4.5 seconds, while the 460x nearly hits a flat four. Riding a SMS Watt linkage suspension and sporting all-wheel brakes, the 460 Mustang refuses to let go of the asphalt, careening around corners with impervious ease.



Saleen’s creation will never be displayed at the Louvre. Good – it should be glimpsed on the streets, a red Mustang with a deep-throated neigh.



Be on the lookout for more articles on the 2010 SMS 460 Mustang from the house of Steve Saleen.

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18 Jun 10 Tesco Car Insurance Find Internet Only Value Policies

Jun 17, 2010 – 7:43:33 PM
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Tesco Car Insurance Find Internet Only Value Policies

Tesco car insurance has some special online Internet only “value” plans that might save you some money. So if you are looking for cheap car insurance check out Tesco and see what they can offer you.




Tesco: Love them or hate them there’s no denying their reach across Britain. Their outlets have become a one stop shop for everything from a tin of beans to the latest smartphone. In recent years Tesco has even branched out into financial services, including car insurance.



The one thing Tesco’s plans does well is keep costs down, especially if you’re a regular shopper at their stores. Like the rest of their products, you can get a discount on Tesco’s insurance policies by having a Clubcard. Tesco also counts one point on the card for ever £2 on insurance premiums.


Tesco claims Clubcard vouchers can be used to “pay” premiums, but this is a bit of a misnomer. Premiums must be paid in full with cash but Clubcard points can be applied to the balance to be refunded after payment. For example, if you have a £200 premium you can send in £200 and 5,000 points. Once this payment has been received you will receive a £50 credit. Tesco also discounts policies based on total premium cost up to 15% for card holders. For some drivers these discounts make the insurance far cheaper than other options.



Tesco Car Insurance Coverage



Basic liability and van coverage are similar to what you’ll find with other companies. They also have an Internet-only “value” comprehensive insurance that lowers premium costs by raising excess payments. Extras like a courtesy car can be added to any of these plans at an extra cost, letting buyers pick which features they think they’ll need. Additional discounts can be had by covering specific drivers instead of anyone who might drive the car.



Like Tesco Bank, Tesco insurance began as part of a partnership with the Royal Bank of Scotland. Currently, policies are underwritten by UK Insurance Limited, a subsidiary of RBS. Overall policy owners report more problems with Tesco-branded coverage than RBS’s own offerings. Call centres are based in Britain, but claim processing can be hit or miss. However, this may soon change.



In September of 2009 Tesco announced that they were partnering with Fortis Insurance International. This new endeavour will be done under a new corporation called Tesco Insurance Limited. Tesco will handle all of the sales, service, and advertising of the insurance while Fortis will handle underwriting. The switch between RBS and the new system will happen sometime later this year. Find out what Tesco car insurance can do to save you money.

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