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Buying a used car can either be a wise or a foolish move. Someone with no background or knowledge whatsoever on finding a good buy might just be duped into a bad deal and end up with somebody else’s garbage. But for the knowledgeable buyer, a significant amount of money might be saved by settling with a secondhand car. 1. CONSIDER THE KIND OF CAR YOU NEED. It’s okay to stick to a price range or budget. But first consider the kind of car you be need. Prices vary according to the brand and make of a car. For instance, a small sedan is cheaper, but if you’d pack that car with lots of people or packages, that would cause tearing or breakdown. This would necessitate lots of repair jobs which would mean more expenses for you. 2. DO YOUR HOMEWORK. Check out the classifieds for the regular market price ranges on the type of used car that you are going to buy. 3. CHEAP IS NOT ALWAYS THE BEST. Don’t be fooled by the price. Consider the amount of money you will still need to shell out to recondition the used car once you buy it. 4. WHERE TO SCOUT Private sellers usually sell at a cheaper price. The advantage though of buying from a dealer is that it usually comes with good warranty. When opting to buy from used car dealers, be careful not to be taken in by persuasive talk. Don’t take their word for it, check the car yourself. Be sure to watch out for these: a. Does the car swerve on either direction? (Also, see if the tires have uneven wear.) If so, it would need a wheel alignment. b. Is the air cool enough? If not, check if it’s simply a lack of freeon or worse. c. Are the brakes in good condition? d. Do you hear unusual sounds? If so, the engine might have problems. The condition of the interior gives clue to how much the car has been used and taken cared of. Also, a very low mileage reading on a badly looking interior is a sign of meter tampering. It might have been in an accident before. 8. CHECK THE GROUND UNDER THE CAR FOR SIGNS OF LEAKAGE. 9. CHECK THE OIL. Oil should be clear. BLACK colored oil is not a good sign. 10. CHECK THE MUFFLER FOR LEAKS. A WHITE or BLUE colored emission would be the sign. Happy used car hunting!
by Susan Tanner In the United States of America, insurance scams are growing at a fast pace. Insurance scams are not just limited to the US. Technological advancements have made it all the more difficult to catch the culprits involved in insurance scams related to automobiles. It does seem, sometimes, that insurance companies charge very high premiums, and their decision to pay and how much can be a little confusing. The truth is, their prices and procedures are set up to catch swindlers and prevent even more losses than they already sustain. Your insurance is expensive because people cheat. Want to know how? Keep reading. Suppose your car’s engine has just about hit its life expectancy. You wouldn’t think of getting it replaced by having a convenient little accident, but some people do. They make claims just as a certain part is wearing out so that they can get a replacement for free. Some people will actually risk their lives and the lives of others to get a little money. They stage an accident at low speed; if all goes as planned, no one gets hurt. Then they claim serious, long-term injuries. The insurance company has to pay thousands in medical bills. They may even be able to get a civil lawsuit filed and make money off that, too. Due to the growing number of insurance scams, insurance companies have started taking stern action against the scam drivers. Insurance firms, these days, thoroughly inspect the vehicles before giving money to car insurance holders. There are many insurance firms which have increased the premiums on insurance policies to deal with losses due to Car insurance scams. Probably the most common form of insurance fraud, though, comes about because car owners don’t want parts to be repaired after an accident. They want complete replacement. As a result, owners will do additional damages to their vehicles to guarantee that repair is impossible. Never involve yourself in an automobile insurance scam. Automobile insurance scams cost insurance companies billions of dollars every year. Many people believe that by cheating the insurance companies they would make huge profits. Various sting operations are undertaken by the Police department to catch the culprits involved in automobile insurance scams. Because of all this, the insurance companies have to take action. They do so in two ways. First, they include deductibles in the policies they write. A deductible may deter some dishonest people from committing fraud; they don’t want to pay the out-of-pocket costs. Raising rates after an accident is also a deterrent. If the person knows they will be paying for the accident for years to come-as many as seven-they may think twice before trying to swindle an insurance company. If someone does commit the fraud anyway, the company may have to prosecute the crime in order not to pay. That there are so many different kind of fraud, and so many people willing to commit fraud is amazing to me. It is so sad that people don’t care about the consequences to other people, just to make some easy money for themselves. It’s not fair that we have to pay for this abuse, but we do. Your high premiums and deductibles are a way to make back the money lost to fraud. About the Author: To find out exactly how I got car insurance, visit my website about cheap auto insurance
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