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Taking Care Of Your Older Vehicle

Introduction
More people are keeping their cars longer than ever before. The days of trading in a vehicle after two years seem to be over for a growing part of the US populace who have decided to keep their cars and drive them until they drop. In today's economy many owners hang onto their older cars because they can't afford a new one.
Older cars do offer advantages over newer models. Financially, all of the initial depreciation has already happened, so you don't lose the value initially that you would when you drive the new car off the lot. You can buy a five year old Porsche for the same price as a brand new Honda Accord. Figures from CNW Marketing Research also show that a car purchased new in 2008 would cost around $25,500, with the same car now being worth $13,000. If you were to purchase it now, you'd have saved about $12,000 over a five year period.
In addition to being cheaper, older cars generally have lower insurance costs and cost less to register. The difference in registration can be as much as $1,000 depending on the state and whether the car is less than three years old. Older cars cost less to insure because they're cheaper to replace if stolen or wrecked.
Some times we may refer to older vehicles and some times we use the term 'high mileage'. High mileage can be understood to mean high miles per year, such as over 15,000 miles per year. For our purposes here, we're thinking of older vehicles that have accumulated high total miles. How many miles? If you are driving a car or truck with 75,000 or more miles on the odometer, investing the time and money to properly maintain your older vehicle may turn out to be the right move.
With that in mind, we bring you The Guide to Maintaining Your Older Vehicle. In this resource we will cover the important priorities you should consider in maintaining your older vehicle, important maintenance points for when you acquire a new-to-you older car, and when you should consider finally replacing your older vehicle for a newer one.
The Important Priorities
Keeping an older car running well can be a daunting task when you're unfamiliar with what to do. What should you do first? Last? What things can you ignore and what things do you ignore at your (and your car's) peril? There's a lot of think about.
To simplify things, break it down into manageable bits. When owning and maintaining an older car, there are three types of priority areas that need to be addressed.
Priority #1:Items that may cause unsafe operating conditions when driving your vehicle. This includes your car's braking system, tires, steering system, and what we call "the driver vision system" which is ensuring the clarity of all glass and keeping the windows and windshields' free of cracks or anything else that would obstruct vision.
Priority #2: Proper maintenance on potential things that could leave you stranded or cause other components such as the engine to fail. This includes radiator hoses, fuel lines, constant velocity (CV) joints, clutch fan and timing belts.
Priority #3: Normal maintenance like changing the engine oil, transmission fluid and engine coolant. This type of maintenance doesn't prevent catastrophic breakdown but is essential to keeping your older vehicle running its best for the longest possible time.
Recommended Maintenance Procedures
Being proactive in the maintenance of your older vehicle will extend its life and save you money. Consider the following areas to target.
Oil Changes - The Life Blood of the Vehicle
Oil changes conducted at the recommended intervals are the single most important step you can take to keep your vehicle healthy. An oil change is cheap insurance because it removes grit and combustion by-products that end up in the crank case and can cause premature wear.
What to do?
Change the oil every 5,000 to 7,000 miles, which is fine for most vehicles. If you drive under severe service conditions (dusty environments, lots of short trips in cold weather), you should change it a little more often. Exactly how often is best dictated by whatever the vehicle owner's manual says.
Some oil change places push high mileage oils for older cars. These high mileage oils are supposed to be formulated with higher doses of additives to prevent oil burn-off and deposits. It certainly doesn't hurt to use a high mileage oil like this or even to use synthetic oil. But the frequency and regularity with which you change the oil is the most important factor.
Brakes - Driving's Not Fun If You Can't Stop
Brakes are one of your vehicle's most important safety features and you should replace brake pads and shoes when they wear out. How often you need to do this depends on your driving habits and where you drive. Lots of city driving with stops and starts will wear the brake pads faster. So will towing trailers and carrying loads. On average, pads may last 30,000 to 40,000 miles. Some more expensive pads can last twice as long.
You can tell that your pads are worn thin if you hear a squealing noise when the brakes are engaged. When the pads are getting thin, the brakes will start to squeal. This is due to built-in wear indicators that are in contact with the rotors, producing that sound. Squealing is kind of a warning sound to you that you need to check your brakes. If you continue on without servicing the brakes, the squealing will turn into grinding. Grinding is the sound that the brakes have ground past the wear indicators and into the rotors themselves, which means the rotors are being damaged when the brakes are engaged. What was a cheap job of replacing pads just became more expensive when you have to re-surface or replace the rotors as well.
Rotors and Drums
It is wise also to pay attention to the other parts of your brake system - rotors, drums and calipers. All of these parts have to work together for the system to function properly and effectively. Over time, brake rotors or drums can be worn down. Excessively worn pads, as noted above, can lead to scoring of the rotor's surface. If you feel pulsating when stopping, you know it's time to have the rotors looked at.
Proper care of the rotors involving "turning" or resurfacing at the mechanic's shop, giving you a fresh surface for the brake pads to grip onto. Resurfacing them saves money you by keeping you from having to replacing them completely. Of course, rotors and drums can only be turned so many times, so it is possible with an older vehicle that you will have to replace these parts.
Machinist turning rotors
Brake System Troubleshooting
There's more to assessing brakes than simply listening for strange sounds. You can get some solid clues on the health of the vehicle braking system (and what you're going to have to do to get it healthy again) by noting any of these unusual symptoms.

• Pulling or Grabbing to One Side:This can happen for many reasons, none of them good. The brakes can be misadjusted, there can be leakage of grease, oil or brake fluid, or the brake cables may be frozen.


• Loss of Brake Pedal:This happens when you've lost brake fluid to a leak. Leaks can be a result of brake line leaks or faults or even a bad master cylinder. Any good mechanic can diagnose the problem pretty easily.


• Vibration of the Brake Pedal:This results from warping of the brake system surfaces. Excessive heat coupled with excessive wear warps the surface of the rotor or drum and results in the signature vibration. Unfortunately when the wear is up to this point, you're probably going to have to replace the brake parts instead of being able to resurface them.


• Clicking Noises During Braking:Clicking is simply a result of worn or broken devices on the brake pad that are supposed to stop movement of the brake pad. If they break, the pad will be loose and rattle during braking.


• Excessive Drag During Acceleration:If you don't use your emergency break very often, the cable can become rusty and may freeze.

What About Lost Brake Performance?
Catastrophic brake failure is something you want to avoid. But it doesn't just happen overnight; some of the following factors can contribute:
1. Crystallized brake pads and/or shoes: Brakes function when the pad material is able to grab and hold the surface of the rotor or drum. Heat is generated as the brake functions in this way. When brakes becomes overused from stopping too fast too many times or from riding the brakes, the surface of the ad material crystallizes and becomes hard. This makes the brake pad surface unable to grab the rotor surface and unable to stop the car effectively.
Hot brakes under stress
2. Oil or grease soaked brakes. An important reason you should fix broken boots (the rubber sleeve that fits onto the end of the axle) and trans-axles. If they're broken in some fashion, oil and grease can leak onto the brakes and reduce the stopping effectiveness.
3. "Hot Spots" on the brake drums or rotors can develop from excessive overheating in the same fashion as brake pad crystallization. These hot spots are really hardened areas that have been "cooked" by excessive heat. The brake pads can't grip the surface of these areas effectively and this reduces stopping ability.
What To Do?
Don't let the brakes in your older vehicle get to this point. If you can't check the brake pads or rotors yourself for wear and tear, have them looked at by a mechanic every six months or so, as part of a vehicle checkup such as when you have the oil changed. It will save you money and headaches in the long run.
Belts and Hoses
The battery, air conditioning and cooling systems of the car all use belts and hoses to perform their essential functions. You have the timing belt, which keeps the crankshaft and camshaft synchronized to maintain engine timing, and transmits power from the front of the engine to power-hungry systems like AC and the fan. Cooling hoses distribute coolant to needed parts of the engine to prevent overheating. These belts and hoses, made out of rubber, will wear out over time. If one breaks, it can leave you stranded.
The remedy? Replacing them before they have a chance to fail. But how often to do this?
There are serpentine belts and there are v-belts. V-belts last about 3 years or 36,000 miles. The three year cutoff is important to note because research shows that the failure rate for this belts skyrockets when you get into year four.
Serpentine belts last longer at about five years or 50,000 miles. But they cost more to replace so there is a tradeoff there. It's true for both types that you don't want to be around when they break, so pay attention to their life span and plan accordingly.
For rubber hoses like in the cooling system, these develop tiny cracks that turn into big cracks, splits and leaks. This process is accelerated by oil contamination, atmospheric ozone exposure (urban driving), and extra engine vibration which may causes the hose to rub against something it wasn't intended to.
What to do?
You can do visual inspections of the hoses, pinching them and inspecting them for signs of cracks and brittleness. But this only goes so far because coolant hoses especially wear from the inside due to the conductivity of the coolant flowing inside of it.
So the only real way to be sure is to bite the bullet and replace the hoses within the recommended lifetime guidelines.
Automotive Fluids: Coolant
Coolant is the primary fluid most people think of in a vehicle. Coolant has a defined lifespan and requires changes every so often. How often depends on what the owner's manual says. Some vehicles have long-life coolant that's supposed to last 100,000 miles. If you have an older vehicle, this may not be the case.
You need to change the coolant because it breaks down over time. Like oil, coolant has certain kinds of additives contained, including corrosion/rust inhibitors. When the coolant gets old, these get used up and the cooling system rusts from the inside out. The engine block itself will contribute a lot of rust to the situation. The coolant also turns acidic over time due to chemical reactions with the metal in the coolant system. This accelerates the corrosive process. If you let this go too long, the rust clogs passages in the radiator, which causes it to fail over time and your engine to overheat. Now you're talking a big money expense.
Coolant corrosion
For some reason, drivers in hot weather states like Florida ignore their cooling systems more than you would expect. Talk to mechanics in Florida and many will tell you that overheating is the #1 repair they have to deal with. Overheating the car even one time can destroy an engine by warping engine parts like head gaskets and rings. This happens especially if the engine has aluminum parts, which are more sensitive to high heat fluctuations than the old cast iron models. Since we are talking about older cars in this resource guide, it's not certain if your engine would have aluminum in it or not.
What to do for coolant?
Obviously you should keep your coolant levels topped up at the recommended levels. But you will need to flush your coolant system periodically. There are coolant flushes available formulated to neutralize acid buildup in the system, so it may be a good idea to use one of those.
Automotive Fluids: Transmission Fluid
Cars with automatic transmissions use ATF fluids to lubricate the transmission parts, act as a coolant, and help transmit power from the engine to the transmission. Manual transmissions aren't as complex as automatic one but still require some type of oil to accomplish these features. Both of these fluids need to be changed within recommended guidelines (owner's manual). ATF fluid breaks down over time due to the heat exposure. Manual transmission oil gradually gets a buildup of metal particles in it (ATF fluid does as well). Without being cleaned out and changed, these will shorten your transmission life. You don't want to lubricate your transmission with metal shavings. If you've kept your older vehicle as long as you have, it would be shame for it to die due to a transmission issue.
What to do for transmission fluids?
Check the owner's manual for specifics, as usual. Recommendations for changing the fluid can vary, so it is most important to follow the manual recommendations.
Generally speaking, manual transmission fluid gets changed every 30,000 to 60,000 miles. Automatic transmission fluids require changing from every 30,000 to 100,000 miles (60-100k is more common). In between changing, you should always check your fluid levels. Automatic transmissions have dipsticks (like the oil crankcase dipstick) to allow you to check the level. Manual transmissions rarely have dipsticks anymore, but since you have an older car, it's possible. If it does not, you can ask your mechanic to check the oil level when they're looking at other things.
Whether or not to change automatic transmission fluid can be a tricky question, however. If you put new ATF into an old transmission that contains "gunk" and particulate, the detergent action of the new fluid can dislodge things that you don't want dislodged, and it can cause more harm to your transmission than good. If you're unsure whether or not to do it, you could default to smelling the fluid. Automatic transmission fluid that has "going bad" will have a burnt smell to it. Check your fluid dipstick and smell the fluid. If you notice that kind of burnt smell, it's a good indication that you need to not just have the fluid serviced but the actual transmission looked at. Burnt transmission fluid is a sign that the parts inside are breaking down, so to speak.
One more thing... you should always check transmission fluid levels if you notice a leak. Transmission fluid is different from motor oil in that it doesn't burn. So if you check the fluid level and it's low, you've got a leak, no doubt about it. Which you need to get fixed.
Steering and Power Steering Fluid
If you can't steer, you can't get where you're going (unless it's in a straight line). Steering components like ball joints and tie rod ends wear out over time and can cause failure. If you start hearing noises when going over bumps and when turning the steering wheel, this is an indication some of these parts might be wearing and you should look into it. Unless you have a lot of tools, you'll want to take this to a professional.
Power steering fluid is the hydraulic fluid that transmits the power in "power steering". It functions in the steering system through being pushed by a pump to pistons on either side of the steering rack, which enabled you to turn the wheels. Like all fluids, it does not last forever. As the vehicles ages, the steering components like o-rings will wear out and break apart, contaminating the fluid. This causes the power steering pump to work harder and wears it out faster. Replacing power steering fluid is cheaper than replacing a power steering pump. Both of these are cheaper than replacing a damaged power steering rack, which is the words of NPR's Car Talk guys, will require you to take out a small home-equity loan to replace. If you have an older car (and since you're reading this, you probably do), this will likely total your vehicle.
What to do for steering?
Have the steering looked at by a professional when you start hearing funny noises. If you hear whining or moaning when turning the steering wheel, this is a sign your pump could be ready to go. Have your steering fluid changed according to manufacturer guidelines. And check your fluid level, since running out of fluid will destroy your pump pretty quick.
All Aboard The Power Train
The power train encompasses the parts of the car that translate the action and energy of the engine and transmission into vehicle movement.
The part of the power train that older car owners need to concern themselves with the most are the CV joints or drive axle boots. If you look under vehicle near the wheels, you'll see a rubber cover by the axle; this is the CV "boot", and it protects the CV joint which has a compaction of grease lubricating bearings and moving parts that encompass the connection between the drive shaft and the wheel axles. CV stands for "constant velocity", an important component for transferring power from the engine to the wheels.
CV boots often wear out on older front-wheel and all-wheel drive cars. It is crucial that you replace them before they fail because they connect the drive shaft to the wheel axles. There are warning signs you can pick up on if you pay attention. Most common is a popping sound you can hear when you turn the steering wheel. If you look up under your car every so often, you can visually see the condition of the rubber boot and spot if there are cracks in the boot. If so, it's an easy and cheap repair. But if you let it go, the grease can leak out through the cracks and the CV joint can fail. Now you're looking at hundreds of dollars instead of a few.
What to do for CV Joints?
Just check the CV boots every so often, such as when you have your oil changed. Once cracks are noticed, have the boot replaced.
Vehicle Suspension
The suspension interacts with the steering system to provide you with vehicle control. The suspension absorbs energy from bumps in the road to keep the vehicle stable and under control. Shocks, struts, and springs compress and release hundreds of thousands of times over the years of the vehicle's life. This causes them to weaken. These parts are essential for road handling, cornering and cushioning you from bumps, jolts, and vibration. So the suspension isn't as essential as the brakes, but it does play a major part in having a good driving experience. But don't mistake this for a conclusion that the suspension doesn't play an important part in safety. Worn or broken suspension system components can cause accidents or even vehicle roll over in the right driving conditions.
Symptoms of a worn out suspension are obvious but can include things like uneven tire wear and vibration or noise while cornering in the vehicle. Driving habits and operating conditions play a part on how often suspension components wear out and require replacement. So too is the frequency of regular maintenance like chassis lubrication and even wheel alignment.
What to do for suspensions?
Priority should be given to replacing any needed parts to keep the vehicle operating properly. Maintenance steps should include making sure the chassis is lubricated properly.
Wheel Alignment
Tire alignment is essential to the life of your tires. If the alignment is not perfect, excessive tire wear and premature tire failure can result. A new set of tires can run $600 or more, so you want to everything you can to make them last longer.
Periodic alignment checks and adjustment when necessary can save you hundreds of dollars over the life of your vehicle. It's easy to know when your vehicle is out of alignment as it will pull to one side or the other while driving.
Tires: The 2nd Most Important Safety Item
Tires are the contact points between your vehicle and the road. As noted, they can be expensive and thus the incentive is created to keep them in good condition. It's worthwhile to make sure your tire pressure is within the recommended range. Tires are second only to brakes as a safety device on the vehicle. Having tire pressure too high or low affects handling and even braking.
Keep your tires inflated to the correct pressure for safety, even tire wear, and maximum tire life. Proper tire inflation can also improve your gas mileage by as much as 3 percent according to the U.S. Department of Energy.
What to do?
Check the tire pressure monthly with one of those cheap gauges you can pick up anywhere. Do the check when the tires are near room temperature, not after driving for an hour. And check all four tires. Compare it to the pressure guidelines in the owner's manual or on the door post or even under the center console cover. Over-inflated tires will compromise your handling and your stopping ability. Underinflated tires create a drag on the road, wear the tires out quickly and cause them to overheat with the potential for a blowout.
Rotating your tires every 5,000 miles or whatever your owner's manual says will increase their life because they will wear more evenly. But don't pay more than $20 or so to have it done. And don't always have the tire rebalanced after rotation; only if you feel vibration while driving.
Fuel Systems and Ethanol Fuel
Older vehicles made before 2004 do not have fuel system components that can stand up to the highly corrosive effects of ethanol-blended gasoline. As ethanol has infiltrated the nation's fuel supply, more and more people are witnessing firsthand how ethanol dissolves rubber and plastic parts over time and draws water into the fuel. Beyond this, ethanol reduces gas mileage (it has less energy than gasoline does). Depending on what state you're in, it may actually be illegal to buy ethanol-free gas at the filling station.
What to do?
The common answer is to additize the fuel so the gas mileage improves and the engine/fuel system parts are protected. There are lots of ethanol additives on the market, some better than others. You want to choose a fuel treatment that does not contain alcohol and you want to make sure the claims of the treatment are reasonable. A bottle that guarantees it will raise your mileage by 40% is probably overstating its claims by just a little.
What To Do When You Buy An Older Car?
Buying an older car is the best value since you're not taking the depreciation that new cars have. The tradeoff is that you're not the only person to have driven the car and you have no idea how previous owners treated it. If you're lucky enough to get some kind of vehicle history report, that can give you a good clue. But let's say you have no information at all about what's been done? What should you worry most about?
The most important items you should consider are those that most directly affect vehicle safety. Remember Priority #1 earlier. Beyond those, you should consider the following:

• Oil change
• Air filter
• Check condition of hoses and belts

The other areas of the car are ones (like the health of the suspension) you can assess as you are driving and operating the vehicle. If the tires are out of balance or the suspension is worn, you can figure that out pretty quickly and plan accordingly.
The DIY Guide for Vehicle Repairs
If your car is getting older, maybe you're at the point where you decide you want to take more action in keeping the car in good working order. Fixing a car can range from the simple shade tree job to the extremely complex. You need to distinguish between what's worthwhile to attempt and what you should leave to the professionals at the risk of causing more damage to the vehicle than good.
For the novice mechanic, here are the simple things you should be able to try, in order of increasing difficulty:

• Change wiper blades
• Replace the air filter
• Replace a headlight
• Replace the battery
• Replace spark plugs
• Change the oil
• Replace belts

Car repairs you attempt in house should be judged on scales of safety, car damage and complexity. Safety means "how easy would it be for me to hurt myself doing this?". Car damage means "how likely is it for me to damage my car attempting to fix it and how badly could I damage it?". Complexity means "how hard is it and do I have to have special tools?"
The Car Talk guys on NPR, Tom and Ray Tappet, have published an excellent matrix that grades various repairs on these scales. You can visit the Car Talk web site and it's easy to find there. We would recommend checking it out.
When Should You Replace Your Older Car
The decision to replace an old faithful car is a personal one dictated by the unique circumstances of your life. There is no easy answer to the question of when to get rid of your older car. Factors like reliability, vehicle use and personal finances all enter into these decisions.
A big influence on replacing an existing car is whether it would cost more to repair the vehicle than the vehicle is worth. If you blow the power steering rack on a 1995 Ford Escort, it's highly likely that rack is going to cost more than it would cost to buy another 1995 Ford Escort. At that point it would make good financial sense to bite the bullet and replace the car.
The June 2010 issue of Kiplinger's Personal Finance Magazine contained an excellent article on "Should You Keep Your Old Car?" They recommend keeping a car and taking care of it until it drops, saving you money all around (even if you have to spend some money on maintenance and repairs, you still come out way ahead). Of course there does come a 'tipping point' where the cost of maintaining the old car finally outweighs the cost of acquiring the new one. Where that tipping point is is dependent upon you. It's helpful to layout the costs of both kinds of vehicle and compare where the numbers come out.

• Comparison Items
• Upcoming cost of repairs (the biggest line items for keeping any older vehicle)
• Insurance costs
• Registration cost of new car
• New monthly car payment
• Depreciation of the new car (a real expense if you're planning to trade it in)

Conclusion
With everyone looking to cut costs and eliminate personal debt, older cars are staying on the road longer. Following some of the guidelines in this Resource Guide should help you keep your older vehicle around longer.

The author Erik Bjornstad is the Technical Information Director for Bell Performance, the inventors of the first fuel additive in 1909.
Bell Performance manufactures quality fuel treatments for ethanol (Mix-I-Go and Ethanol Defense), gas, diesel and the power generation industry.

Effortless Car Insurance Solutions Revealed

The factor about online car insurance coverage is that you in no way have to get out of your residence to get it. Even the minute but powerful danger of driving from your home to the insurer's with an expired insurance coverage is all of a sudden created null and void. I like to think of it as 'no stress' insurance policy.
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Ahead of signing up for online automobile insurance policy on the web, you could want to get a seem at the rates that are provided by various car insurance outfits. That indicate you will require to choose a seem at the different websites out there. But given that this can be done in minutes, you can be by means of with your selection in no time at all.
If you do not like the terms supplied you by a car insurance policies outfit online, you can choose rather for yet another insurer. More than the net, this is done as very easily as shifting to yet another website if you required to do that on land, you would have had to generate!
A auto insurance policy plan in the state of New York could vary in context from one particular that you got from Chicago. They are different states, and they have various site visitors regulations. The policies drawn up in these states are planning to have to abide by legislation.
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You know, in the event you locate that the ideal month-to-month premium proceeds to elude you for the car insurance, you could think about raising your deductible. Insurance companies often smile whenever you deliver to boost your deductible. That means the things they owe you is less inside the instance of the mishap.
You need to get an actuary into action when you have to insure an antique car. Someone wants to search into the real price of the piece, the chances that it could get damaged, and the probabilities that it could be stolen. They place these factors into figures, and then they tell you how significantly your top quality is. It's very a little bit of work.

Deciding on Effective Advice Of Car Insurance

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The good thing about the internet and internet transactions is that you by no means have to appear into the face of the man or woman you are dealing with. As this sort of if you have to disappoint them by strolling away, you may not truly feel as responsible. That is how come online car insurance coverage is so significantly much more attractive.
You could fear about your on-line vehicle insurance policies due to the fact you uncover it difficult to believe in an individual, or some insurance coverage company that you can't see and have not met, but you needn't have. You can attempt calling up a few of the cellphone numbers on the web site. You may even ask for a meet if you want. What counts is that you get the auto insurance coverage deal that you need to have.
The stage or extent of your vehicle insurance policies protection is usually spelt out in the facts of your auto insurance policies plan. Any term that may possibly be misunderstood by you or any person else are meant to be produced very clear in there. That is why you need to have to seem at it and ask someone else also to search. You are much better off if there are undoubtedly no uncertain terms in there.
Proudly owning an antique auto is like... like... I really have no clue what it is like. I indicate, getting it back as soon as it has been stolen may possibly not be feasible at all. For that cause, you totally have to have it insured. At minimum if you can not have the car again, you can have funds for it.
When you possess an antique automobile, you may have to pay out through your nose to insure it. Due to the fact it is so important and almost irreplaceable, you are not probably to get many organizations supply you low-cost insurance for it. Nevertheless, since it is this sort of a juicy catch, you might even now get some juicy rates thrown your way. You may possibly want to contemplate them in detail.
Vehicle insurance policies is often based mostly on a amount of variables that you by no means can forget about. The price of the automobile, its sort and make, and even its attractiveness. When you have one thing as appealing as an antique vehicle in your possession, you may blanch when you hear what you have to pay to insure it. But if it implies that a lot to you, you could not bother so much at all.
There are numerous folks who possess antique autos in the United States, and they are not all just parked in the garage and seemed at. Some of these issues have to hit the freeway from time to time. That indicates they have to have insurance policy. So, you want to stop pondering yours is the first, and get to obtaining your antique auto insured currently.

What Type Of Car Warranty Is Best For You?

Because a vehicle purchase is such a major investment, many individuals opt for an extended car warranty as a peace of mind insurance coverage. Extended auto warranties can be purchased during the vehicle buying process or you can purchase one independently of the auto dealer. Keep in mind that auto warranties offer coverage for a certain number of years or a certain number of miles, whichever comes first. Many new car purchases come with a bumper to bumper warranty, though be advised that the bumpers are not covered. This type of coverage is the most comprehensive and typically is made part of a new car purchase.
The type of warranty you purchase will be predicated on whether you are buying a brand new vehicle or a new-to-you vehicle. Prices and coverage options vary depending on the year, make and model of the car, particularly when it comes to extended car warranties. Also, when you are buying a used car ask if there is any coverage left on the original warranty as sometimes these warranties follow the vehicle, not the current owner.
Bumper to bumper coverage is usually offered with a new car but keep in mind that even with the name, bumper-to-bumper, there are items that will be excluded. You will need to read the fine print so you are not taken by surprise in the event you need a repair on the car. Typically these car warranties will cover up to 50,000 miles but you may be able to purchase an additional number above what is originally offered.
An inclusionary or stated-component coverage warranty is just what the name implies, a policy that specifically lists what is covered and what is excluded. An inclusionary policy may cover major vehicle component repairs. With these policies you may also be able to buy add on coverage. A stated component warranty is usually purchased by an individual who buys a car that has between 50,000 and 100,000 miles.
Powertrain warranties cover equipment included the engine, drive axle and drive shaft as well as the transmission - the powertrain systems of the car. As with the other warranties, there may be other options you can purchase to go along with this coverage and you will want to read the fine print to see what is or might be excluded.
Auto warranties are typically considered a wise investment, but if you are looking to buy additionally coverage, be sure to do so soon after you buy the car. An extended car warranty will help cover repairs for as long as pay for, but prices go up on these warranties the longer you wait to buy.

How to Find a Good Used Transmission for Your Vehicle

Every owner of a vehicle or automobile must be aware that engines and transmissions are the most important vehicle parts that can move the vehicles run successfully. But a time will come that these auto parts such as the transmissions need to be repaired or even replaced. Repairing these auto parts cost a lot of money so it is advisable to get a still-in-good condition used transmission from a wrecked car or get one from a transmission shop that specializes in installing used transmissions. Either way, here are some tips you should know when buying a used transmission.
There are ways in finding used transmissions. You can find them by browsing through your phone book for local auto repair shops and searching the internet for websites that are selling second-hand auto parts. You can also look for used transmissions in forums sites dedicated to repairing or selling used auto parts.
When you find the right used transmission for your vehicle, you must first check the mileage before you buy it. Make it sure that the used transmission you are buying is a low mileage transmission, as this is the best indicator if how much life remaining the transmission has. Some salvage yards may have records which will show how much the mileage was on the vehicle the transmission was taken from. You will have to verify the mileage of the transmission yourself if you need to be sure the mileage is right. You can ask for the VIN of the vehicle the transmission is from. Run a mileage verification report with Auto Check or CARFAX. Some of the salvage yard might only have the year of the vehicle, so choose the newest vehicle. If the salvage yard don't have such vehicle records, it is best to go somewhere else.
Since used transmission comes from a wrecked or damaged vehicle, it most likely has not been road tested yet. The only best way to check a used transmission is to make sure that it runs smoothly when shifting through all the gears. You can do this while the transmission is installed to the vehicle or you can use a transmission test stand. Visual inspection of the transmission is also important. You will need to check for noticeable signs of damage to the transmission such as cracks in the case.
You should consider asking or negotiate for a warranty. Warranties on used transmissions could be confusing and may even include very specific requirements depending on salvage yard or auto repair shop. Many high quality used transmissions will come with a 1 or 2-year warranty, while some may have 90-day warranty.
Buying a used transmission has many drawbacks. Even though when you are dealing with a specialized transmission shop but with not enough knowledge about a transmission type can result in a poor quality transmission repair and installation. However a smart buyer knows how to get what they really want and do it less expensive.

Brake Pad Selection for Your Car

Many people take their brakes and in particular their brake pads for granted on a grand scale. The braking system on your car is a lot more important than any other mechanism or component as it is the brakes themselves that prevent forward momentum and in emergencies will stop you when you need to be stopped.
Brakes in themselves are many individual parts that work together to respond to the actions of the driver so that the vehicle can slow down or stop. A crucial part of these components is the brake pads and without the right ones the stopping distance of any car is severely restricted.
The brake pad itself works by creating a constant friction between the pad and the car's brake discs. These are commonly recognized as dinner plate sized metal discs that sit within the wheel housing. As the brake is applied by the driver the brake pad is forced against the brake disc and this contact creates enough friction between the two surfaces to apply a slowing momentum on the wheel. The harder the driver presses on the brake pedal and the harder the pad and the disc come together thus creating greater friction and a greater stopping force.
Due to the different specifications of cars and even heavier vehicles such as trucks there is a direct correlation to the type of pad that is required based on the type of vehicle? Brake pads are subjected to massive stresses and strains as they are constantly in use and under pressure to perform. The faster the car is driven or the heavier a vehicle is the greater the strain is on the pad.
So what are the different types of brake pads on the market?
Metallic
These are undoubtedly the most common variety of brake pads and are found on many, many vehicles. A unique blend of different metals creates metallic brake pads and within this mix you will find copper, iron, graphite and steel. After the right mix has been formulated a special bond is used to fuse these metals together to create the metallic brake pad.
Cost is a big factor for the success of these brake pads as they are produced on a mass scale and therefore a cost effective solution for the masses. Metallic brakes are a great conductor of heat and have the durability for stopping almost any type of vehicle. The downside is metallic brakes are so hard they can prematurely wear down other brake components and they are much heavier than other pads and therefore are not an ideal choice for racing or performance cars.
Organic
Once upon a time brake pads were traditionally made from a substance called asbestos. The advantage to using asbestos was the material has the ability to absorb massive amounts of heat without breaking down or malfunctioning. With great friction there comes heat and this material appeared to be an ideal solution to a problem. However due to a serious risk to human health this material was eventually phased out and banned from production altogether. It was the dust that came of the asbestos that posed the greatest threat as when breathed in it creates breathing problems.
The material that makes up organic pads is a natural occurring product such as glass or rubber and therefore doesn't produce dangerous by products. Another beneficial material for creating organic brakes is a substance called Kevlar which like asbestos absorbs massive quantities of heat but this material doesn't create dangerous by-products as it breaks down.
The other great advantage for many of these alternative materials is the fact that they are made of softer more pliable substances and therefore they are generally much quieter than the harder materials. So what vehicle would you use organic pads on? Because of their susceptibility to wear they are ideally used on smaller cars as anything that is driven too fast or any vehicle that is too heavy will wear down these materials in no time.
Ceramic
Hold onto your wallet boys as these brake pads cost a small fortune to buy. Of course there is a substantial reason for the cost of these pads as they offer durability, great performance and a lightweight alternative to other brake pads.
Ceramic pads will be more commonly found on performance cars or racing cars as their distinctive advantages are best suited to these performance models.

Thinking Of Taking Driving Lessons? A Quick Guide To Get You Started

OK, so you decided you want to learn to drive, learning to drive gives you an opportunity to learn a completely new skill, a skill that will open up a whole new world of independence for you. It is important that before you apply for your practical driving test that you are not only fully ready to pass but also are well prepared for a lifetime of safe and responsible driving.You need to be able to drive without any help or prompting consistently as well as know and understand all the road markings and traffic signs therefore you will need to gain all necessary skills to pass the test. Here I have prepared a quick guide for you, to give you some idea about things to come when you start your journey to get the full UK licence.

The first step is to apply for the provisional licence but before you do so there are few things you need to think about. First of all your eyesight, you can not drive on the road unless your eyesight meets certain requirements, one of the method of checking yourself is by trying to read a vehicle number plate from a specified distance. The highway code state that in good daylight you should be able to read a number plate from the distance of 20.5 metres which is about 67 feet. If you need to wear glasses or contact lenses to read number plates then you must wear them at all times while driving, you will also be required to pass the eyesight test at the beginning of your practical driving test. The testing method will also be making you read number plates from the required distance, You must also be at least 17 years old or over before you can apply for a provisional licence.

OK you have all the required documents and you are legally ready to take driving lessons, you must also make sure that you have the financial means to cover the cost of lessons as they can be very costly. You will also need to decide how quickly you want to learn as more hours of tuition you take per week the quicker you will become test ready, taking single lessons per week can take up to 10 months. If you have a family member or a friend who is over 21 then you can practice with them in addition to your driving school tuition but the accompanying driver must be over 21 and must have held (and still hold) a full UK licence, in the relevant category for three years.

If you are going to pay someone to teach you to drive than you want to make sure they have the experience and willingness to teach and are not there to just take your money. There are many driving schools who recruit trainee instructors and it's very unlikely that other than an ADI, a fully qualified DSA approved instructor would have the knowledge and experience to train you properly. What is the difference between a trainee instructor and an ADI and how can you tell the difference? - a trainee instructor who is still under training and has not completed the full training or passed all the tests to qualify as an ADI. Trainee instructors are granted a licence so they gain teaching experiences before their qualifying examination. ADI is an instructor who has completed the full training and has passed all the qualifying tests set by DSA (driving standards agency) to be approved and entered in the ADI register. To find out if your instructor is an ADI or a trainee, either you can ask or have a look at their badge usually displayed on car windscreen, pink badges are granted to trainees and green ones are to fully qualified instructors.

Now That You Booked Your Driving Lessons - Here Is Your First Few Lessons.

Once you are in the driving seat here are some of the things you will see, the instrument panel, foot controls, hand controls and last but not least mirrors. OK what are the foot controls? they are three pedals that you control with your feet known as the accelerator, footbrake and clutch. The accelerator and footbrake is operated by your right foot while the clutch is operated by your left foot only. Hand controls - the parking brake, gearstick, steering wheel and the indicators are all operated with your hands, there are many other hand controls such as the horn, windscreen wipers, demister controls and headlights.

Before you can safely pull away you should make sure all your mirrors are adjusted correctly so that you get a clear view of the road behind you. While seating in your normal driving position adjust your mirrors so that you can see with minimum head movement, try not to touch the interior mirror with your fingers while adjusting as this will leave finger print marks on the mirrors and blur the view. Make sure you adjust the interior mirror in a way so you get the full view of the back window or the best possible view, the side mirrors should be adjusted in a way so that you're only seeing just a little bit of your car and most of the road. Make sure you adjust mirrors before you move away as adjusting them while driving is very dangerous, if you do forget than always pull up to adjust them. You must make all adjustment after you have correctly adjusted your seats, if you need to move your seats for any reason than you must adjust the mirrors again as they will not be adjusted to you anymore. While driving you must not look at any of your mirrors too long as it is very important you keep your eyes on the road ahead at all times, just do quick glances at them. Remember the side mirrors are not to be used to make your judgements as they are designed slightly curvy to give you wider angle of view therefore objects will appear further away then they really are, while the interior one is made from flat glass which gives you the true image, always use the interior mirror to make your judgement.

Emerging at a T junction - this when a vehicle is moving out of a minor road and crossing or turning to joining a major road.You will need to be familiar with the MSPSL routine and Give Way lines, a give way lines across the road means you must give way to traffic already on the road you wish to turn in to as they have priority over you. you must make sure you pick a safe gap and must not emerge and cause other drivers to alter their speed or change direction, otherwise be patient and wait for a safe gap. You may come across some junctions that do not have any markings, you mast not assume that you have priority over others, just treat them as a give way junction. As you wait on the give way line and the vehicle approaching is signaling left to turn in to the road you are in then wait until you are sure the vehicle is turning and not pulling up on the left, there are times when motorists can forget to cancel their signals after making a turn. Sometimes your zone of vision can restricted by parked vehicles, walls or other obstructions, you will need to edge forward until you can clearly see, if another vehicle is not in your zone of vision then you are not in theirs. You will need to particularly look out for motorcyclists when emerging as they can be very difficult to see, being smaller than other vehicles but approaching just as fast. Once you have emerged you will need accelerate to pick the speed up to a safe speed for the road condition as soon as possible, check the interior mirror to find out the speed and position of the vehicle behind you and make sure to cancel the signal.

Stretch Your Dollar at Government Car and Truck Auctions

Government car and truck auctions are melting pots of great used vehicles. As always there are some tremendous deals waiting to be sold to the highest bidder!
But don't guess there's no risks involved once you decide to purchase your car or truck from one of these auctions. It's because these cars are used cars and if you know how to go about it, you will find your experience at most car and truck auctions a good one. The first thing that it is important for you to take into consideration is your need to check out the car or truck you want to put your bid on and note the price range you can afford.
Check the vehicle out to feel sure you will be bidding on a quality pre-owned vehicle. There are many auctions that allow for a quick but fair preview. So make use of this pre inspection offer where you can ascertain all the facts about the car or trucks you might want to bid on. The more you know the better off you are to make an informed choice on what is available to buy and what to steer clear of.
Equip yourself with the necessary technology and online service that will allow you to check the car or truck history.You can bring a mobile or wireless device like your smart phone that could enable you to hook up to an on online service that may give you the chance to check the VIN# of the car along with other available details.
Don't take these tips for granted because this really spells the difference between a wise buyer and a foolish one. Get your hands dirty and take a look at the engine, body and everything to check out if the car will work properly. By doing this, you are also able to see defects that are not easily detected upon first glance.
And if you don't have the necessary know-how, ask a good mechanic you might know to accompany you to the auction. Let him see for himself if the car is a good buy or possibly not such a wise investment.
Also, deal directly with the auctioneers concerned and not with agents just to make sure that you are not being pressured to purchase a poor quality car. Make certain that all of the car's documents are in order and updated..By equipping yourself with the tips and advice here, there's a chance that what you'll get is a great buy.
Car auctions are really great places for you to win a great priced car or truck after a little of bit of home work and preparation. Lots of them tend to have websites and offices where you can get access to details relative to buying their cars and trucks and under what conditions and terms.
Just try to use a couple of these simple tips and you'll be hopefully guided properly during the exciting process of buying or bidding on a used car or truck from a government auction. They are a lot of fun to go see even if you don't make a bid.
At least go and get the experience of a couple auctions under your belt. You will feel way more comfortable and confident when you are ready to participate in the bidding on your first car and truck at one of these government auctions.

Who Wants to Pay Full Price for a Car or Truck?

Government car and truck auctions are where to go to find the best deals. Trying to find the top auctions stands out as the finest and smartest method to look into finding a great used vehicle. It may not be every day that they have trucks and cars of your particular choice which are taken into custody, nevertheless these are mostly excellent vehicles and they may have some that are suitable to what you're hunting for.
If you actually have not heard much regarding repossessed car and truck auctions, these are vehicles brought in by a number of government agencies, for example the DEA, IRS, and the state police, to mention a few. Because the govt. is just not really that enthusiastic to pay for preservation for such vehicles, they would rather put them up for sale so that they're able to get something on their investment.
Depreciation is the biggest problem here plus the longer it remains in their parking zone or lot, the less valuable it becomes.This could can be a good business for you, since starting bids can to be as little as 1500.00 hundred for vehicles being but a year or two old. This is the reason vehicles such as these are such a give-away, getting a bargain price off to have a nearly new automobile. The other truth you need to know is the idea that second-hand car and truck salesmen can buy some of what they sell from repossessed truck and car auctions.Thus, as an alternative of passing the middleman, why not just go in directly to the source and save 100s of dollars yourself instead?
When going to Government Auctions, preparation is key to making a smart buy.Try prowling about the web for information on Government car and truck auctions. These sites will offer you info on the right time and place, as well as what units may possibly be ready for sale to bid on.. You should want to join a membership for online auctions, this may be handier and will give you an inside advantage about when, where and what will be sold.
Realistically you cannot see firsthand what overall state the vehicle will be in. It is suggested that you go there yourself and bring a mechanic together with you, so you may be competently advised. This can be at times tedious and some patience is needed, but such precautions will seem well worth the effort after you purchase that vehicle.
Before starting off with regards to your hunt for car and truck auctions, it is suggested that you get your budget figured out as to what you can afford. Since this is a bidding procedure, there's the chance you may get carried away and bid too much instead of what you set out to restrict yourself on. You will find a considerable amount of vehicles for sale at government car and truck auctions and being ready to land the perfect one for your wants and needs is what gives you the sense of triumph when you win with your bid!.
Follow these tips and you will find there is a wonderful chance you could find a superb bargain at Government car and truck auctions. I have bought 3 cars this year and sold them for a fair yet tidy profit! You really must look into these great auctions and find the car you have wanted but could never afford brand new.

The Tune Up: Getting The Full Service

What constitutes a tune up will differ somewhat depending on a number of factors. Who you ask, what kind of car you're talking about, and the maintenance service shop performing the procedure. Some experts even claim that newer model cars have no need for this kind of service. For those that don't buy into that or that want to make sure their older car gets the attention it needs (or who simply have a different understanding of the term), any maintenance is good maintenance. Here's a look at the concept, what is often entails, and why it is good for your car.
Identification
The tune up has changed somewhat as cars have been built differently. But while many things about the modern vehicle are quite different than those of even fifteen years ago, the combustion engine has not changed substantially. The basic nature of the car needing clean gas and air driven towards the cylinders remains the major component of the combustion process. When fuel injectors get clogged up, filters get dirty, and spark plugs begin showing signs of corrosion, you're not going to get as much out of your engine as you used to. A good tune up will address these issues and have you back on the road with an engine that's good to go.
Symptoms
If you're not sure whether or not you need a tune up, you might want to look at your owner's manual and see what the manufacturer recommends pertaining to scheduled maintenance. If you have a regular mechanic or take your car to the dealership for maintenance, they may also be able to keep you on the right track. Otherwise, you should just become accustomed to listening to your car. It will usually tell you when it needs work. Signs and symptoms such as decreased gas mileage, loss in power, a check engine light, or just rough running can be signs that you need to get it in front of a mechanic.
Types
Most service shops offering a tune up will offer a few different packages, with varying prices. You can decide what you want based on how bad your car sounds, your mechanic's recommendation, and how much you're willing to spend. Even the most basic package, however, should include a full visual inspection, new spark plugs, and air and fuel filter replacement. If you think more is needed, talk to the technicians and see what else they can do to make sure you can get many more problem-free miles out of your vehicle.

Tips for Maximizing Your Car Resale Value

I believe everyone would agree that it's important to get as much money as you can when you sell your car. There are various ways you can improve the resale value of your automobile and one of these methods is to follow certain rules to keep the car in tip top shape.
Drive It Like You Are Selling It
This first tip may be difficult to swallow for some drivers but it's a good idea to drive your car with a mindset of selling it at some point in the future.
What do I mean by this?
Well if you drive your car to the limits, accelerating as much as possible, braking like a mad man and generally over doing things then this will wear down almost every part in your vehicle. All this will usually reduce the value when you sell it. So driving like you're selling it mean driving sensibly, keeping in mind that the better you drive it, the more money you'll make later on.
Become a Rust Buster
Become super vigilant when it comes to rust as when rust takes a foothold in your car it can do a lot of costly damage, as well as reduce the resale value. Even if you spot a tiny bit of surface rust, get a fine wire brush to clear away the rust, apply some anti-rust liquid then re-paint. Never put this off 'until next time' because many people will just keep putting off the repair job until it gets so bad that their vehicle won't pass a routine car safety checkup. If you own an expensive car or an old sports car for example, you might be better off sending it to a professional when you find rust problems, as doing it yourself may not have desirable results.
Invest in a Garage
This tip might be difficult for some people to use but try to keep your car in a garage or at least under some other form of cover. Even if your house doesn't have a garage, you might be surprised to find a number of garage rentals near where you live. Keeping it under cover will help keep the elements off the car, extending the life and therefore improve the sell value. This is especially true in very cold or hot climates. For cold and wet climates storing the vehicle outside can lead to rust and other problems. For hot and sunny climates it can cause the interior, such as the seats, to fade in color.

Getting The Best Car Shipping Rates For Your Specific Move

There are many reasons that people turn to car shipping companies for their auto transport needs. By making sure that you are choosing the right company for your move, you can ensure that you'll be getting the best car shipping rates possible. In this rough economy, savings are everything, so this becomes vital; especially in a long-distance relocation.

But you do want to make sure that the car shipping companies you are looking at aren't offering prices that are substantially lower than their competition. This just means that they are cutting corners somewhere along the line that allows them to offer lower rates.

What you want is a licensed car shipping outfit that will put your mind at ease not only with their rates, but with their insurance and safety policies as well. To do this, you must first find a company that specializes in your specific type of move. Let's take a look at some of the reasons people turn to car shipping companies:

Who Relies On Car Shipping Companies for Shipping Cars?

Whether you need to get your car across state lines or across the world, these companies specialize in transporting your automobile to your chosen destination quickly and safely. But to ensure that you're choosing the right companies, look for ones that mention working with whichever one of the following moves you are looking to make or the following categories you fall into. Doing so will ensure you get the best rates:

- Those who are moving from one part of the country to another and don't wish to drive their car themselves. This is often the case because rates are often cheaper than gas and hotels, plus you have the added benefit of having zero wear and tear or mileage on your car. Further, you won't have the stress that can often accompany a long road trip.

- Those who sell and purchase cars from online auto vendors such as eBay. This group includes both private buyers and sellers as well as car dealerships who make transactions for vehicles online. Because of the distances often involved, companies provide and ideal way to bridge the gap between the buyer and the seller. Shipping rates are often discounted to repeat sellers.

- Car dealerships use national companies to move vehicles from auctions to car lots or from one car lot to another. Often times, rates are heavily discounted due to the constant business dealerships bring to companies.

- Snowbirds or winter and summer vacationers. These are people who winter or summer in another area than where they live and often times use services to transport their vehicle to their secondary location for use. Look for seasonal rates and try to go off-season (Florida to NY in the winter or fall, NY to Florida in the summer or spring.)

- Military vehicle and car shipping. Because military personnel are stationed throughout the country and due to the frequency with which they move, many often rely on companies to deliver their and their family's vehicles to new homes. Many car transportation companies will offer prime rates or discounts to military members as they recognize and appreciate those in the service.

Anticipation Of Calls Or Messages Leads To Car Crashes

Mobile phones have been around for years now, and drivers ought to be well aware of the dangers of using one whilst driving. However, most of us don't switch our phones off while we are in the car and new research has shown that merely expecting a call or text to arrive can mean your attention is distracted from the road. Less attention on the road is often the first step to a car crash.
Young people are the worst offenders for mobile phone use while driving; particularly those who own an iPhone or a BlackBerry. This trend has led researchers at the University of Washington in America to look into the different ways compulsive mobile phone use could be contributing to car crashes.
Using a sample of 384 students, researchers used a Cell Phone Overuse Scale (CPOS) to assess four different aspects of mobile phone use that can be dangerous. The CPOS has 24 points covering four characteristics of excessive moble phone use: frequently anticipating calls/messages, interfering with normal activities, having a strong emotional reaction to the mobile, and recognising problem use.
The students in the sample participated in an anonymous survey online featuring questions about driving history including any previous crashes they have experienced while driving, as well as questions to assess how risky their behaviours and a psychological profile.
While it may seem obvious that taking your eyes off the road or your hands off the wheel increases the risk of causing an accident, the research showed that in particular, a higher score for anticipating a call or a text had a significant association with a higher number of previous crashes.
This shows that the distraction caused by mobile phone use in the car isn't solely a direct result of actual calls or texts. The relationship between young drivers and their mobile phones is more complex than that. A switched on mobile phone in the car can, for people who are particularly 'addicted' to using their devices, cause the driver to be wondering if or when they will receive a call, message or notification from a social networking site.
The students with higher scores on the CPOS also were more likely to have had a previous car crash. In fact, an increase of one point on the CPOS, was linked to an increase of approximately 1 per cent in the number of previous crashes the driver was involved in.
This research will naturally lead to further investigation into how mobile phones affect drivers' focus, but in the meantime it is further encouragement that drivers should switch their phone off when they get in the car. It should be as automatic as putting on your seatbelt and switching the car's lights on at night. This is another area where education, of young drivers in particular, needs to be improved. Young drivers seem to lack knowledge in certain areas such as safety and regular car maintenance; whether we are talking about checking your car tyres or turning your mobile phone off, education is key.

The Five Cheapest Cars To Insure in America

When it comes to the cost of owning a vehicle, one of the primary concerns is the cost of insurance over the life of any model. Most consumers don't really consider that certain cars are actually cheaper to insure than others. Instead, most people simply believe that smaller, less luxurious cars are the standard for a cheap auto insurance plan. While that's generally true, it should be noted that the car's actual size classification and domestic-versus-import status have little to do with insurance premiums. Instead, it's all about calculated risk, safety features, and crash test ratings. Knowing this, there are five cars in particular which are among the cheapest to insure.
1. Chrysler Town & Country (Minivan)
It might be hard to believe, but the Chrysler Town & Country minivan is actually rated as the single cheapest automobile to ensure in the United States. And that's not just a ranking that it holds when compared to other minivans or sport utility vehicles. Indeed, among all cars in the country, of all sizes and varieties, this minivan has the lowest average premium among U.S. consumers. That's likely because the minivan is a domestic model, is relatively popular, and has received high crash test rankings and evaluations from U.S. regulatory authorities and independent organizations. It has maintained this high ranking for much of the vehicle's production period, beginning more than two decades ago in 1989.
2. Nissan Murano
The inclusion of the Nissan Murano crossover on this list is a sure sign that imported makes and models can be insured for low rates that are quite comparable to domestic brands. The Nissan Murano consistently gets ranked as one of the safest crossover models sold to U.S. consumers, and it consistently wins awards for its roomy interior, smart handling on the road, and overall durability in a variety of uses and applications. Insurance companies have noticed that the vehicle is less likely to be the cause of both minor and major accidents; for this reason, their premiums for owners of the Murano are among the lowest among any vehicle segment. The combination of a soundly-produced imported crossover with bargain insurance pricing is sure to attract many new customers to the brand itself.
3. Toyota Highlander
Toyota vehicles have always been well-regarded for their safety features, and the company's Highlander crossover is no exception. Since being released to the North American market in 2000, the car has continually been called one of the safest mid-sized crossovers available from any manufacturer. That parallels Toyota's success with the popular Camry and Corolla, so it's no surprise that insurance companies would be willing to give the Highlander a great insurance policy assessment.
4. Toyota Camry
As mentioned above, Toyota's safety features have always been well-reviewed and ahead of the game when compared to domestic competitors, and that bodes well for the long-running Camry sedan. Often cited as the longest-running and most popular car in all of North America, insurance companies treat this model virtually like a domestic model from any North American manufacturer. It's exceedingly affordable to insure for virtually every average American issuance buyer.
5. Chevrolet Cruze
It's no secret that Chevrolet, and its parent company General Motors, has had a tenuous relationship with vehicle safety in previous decades. From the infamous 1960s Corvair to scattered problems with its Cavalier line of vehicles, Chevrolet has had to fight its way back into the safety zone. It has successfully done so with its Chevrolet Cruze model, entering its third year in production. The car is consistently rated as one of the safest on the market and, when combined with its domestic manufacturer, it's easily one of the cheapest cars to insure at any level. Combined with its durability and high fuel economy, it seems like Chevy might finally have a real winner on its hands.
Remember, Insurance Companies Charge for Risk
Insurance companies are in the business of evaluating how likely a vehicle is to be damaged in an accident, or cause an accident itself, when they calculate a policy's amount. Consumers who purchase the vehicles above are going to get a great deal on insurance because they've chosen an inherently safe car. Of course, that also bodes well for driving down the highway at any speed, so these vehicles should be considered a double victory for consumers. Affordability and safety are the two hallmarks of a great purchase.