Be Sure That Your Auto Warranty Is Reliable

When making an investment in an auto warranty, the last thing that you want is to find out that your warranty does not meet your expectations and does not provide the necessary coverage for everything that you need. If it is necessary to have an inspection done on a car before you buy it, it should be a priority to do the same sort of thing for your auto warranty.

To be sure that you are making a worthwhile investment in an auto warranty that will get your car through some wear and tear, make certain that meets all of your expectations and make sure you do not settle for less. Luckily for consumers, there is a Federal Trade Commission law that requires a warranty to be available for inspection by a potential consumer.

Many consumers find themselves being persuaded by the seller’s implications about an auto warranty for a car. A dealer will be as concise as possible with their words when it comes to discussing coverage for a car for a specific reason. It is essential to always entirely read through an auto warranty with an expectation of its guarantee. After you completely read it once, be sure to read it again and thoroughly inspect the auto warranty for any fine print before you make a final purchase.

 

Life Insurance for a Family of One

 

We spend a lot of time talking about how couples, families and businesses can protect their financial futures with life insurance. But what about if you are single—do you need life insurance, too?

There are those people who have no children, no one depending on their income, no ongoing financial obligations and sufficient cash to cover their final expenses. But how many of those people do you really know? And, more importantly, are you one of them?

I think it’s important, then, to illustrate how a life insurance purchase can be a smart financial move for someone who is single with no children. Asking yourself these three questions can help you get at the heart of the matter:

  • Do you provide financial support for aging parents or siblings?
  • Do you have substantial debt you wouldn’t want to pass on to surviving family members if you were to die prematurely?
  • Did family members pay for your education?

Don’t Take My Word for It

Life insurance is an excellent way to address these obligations, and in the case of tuition, reimburse family members for their support. But don’t just take my word for it. Instead, “do your own math.” This Life Insurance Needs Calculator can help you quickly understand if there is a need—a need you might not be aware of—that could be easily addressed with life insurance.

The most important reason for you to consider life insurance may be the peace of mind you’ll have.

In addition to addressing any financial obligations you might have, the current economic climate has made permanent life insurance an attractive means to help you build a secure long-term rate of return for safe money assets. The cash value in traditional life insurance can provide you with money for opportunities, emergencies, and even retirement.

For young singles, keep in mind that you have youth on your side. I don’t mean to sound trite. Instead, I’d like you to think about the fact that purchasing life insurance is very affordable when you’re young and allows you to protect your insurability for when there is a future need—perhaps, in time, a spouse and children.

While all of these reasons are valid, the most important reason for you to consider life insurance may be the peace of mind you’ll have knowing that your financial obligations will be taken care of should anything happen.

Two Kinds Of Extended Auto Warranties

There are two main kinds of extended auto warranties. There are auto warranties that are bought through aftermarket auto warranty companies and there are auto warranties that are backed by a manufacturer.

An extended auto warranty that is bought through an aftermarket auto warranty company tends to be less expensive. Also, this kind of auto warranty tends to vary in both price and quality depending upon which company you buy from. This is why it is always important to do your research before making a purchase.

An extended auto warranty that is backed by the manufacturer generally includes a wide variety of repairs and services. Repairs performed on your vehicle are usually done in a dealership that is approved by the manufacturer. This means that you will not usually experience any issues when going to get them done.

No matter where you get your extended auto warranty company from, it is essential that you do research. Compare a variety of warranties for price and quality.

 

CAR WARRANTY AND CAR INSURANCE: WHAT’S THE DIFFERENCE BETWEEN THESE TWO?

CAR WARRANTY VS CAR INSURANCE

 

The mere mention of “car warranty” and “car insurance” brings this one word to mind: protection. Given that definition, you might be forgiven at first for thinking that warranty and insurance are the same. However, those two advocate distinctive characteristics as far as consumer protection is concerned in regards to their respective coverages. As a matter of course, you must avoid confusing between the two concepts.

Despite having seemingly similar names, car warranty and car insurance deal with a mixed variety of things. Nonetheless, what has long been established is the fact that both tools provide diverse ways on protecting you and your car the way you want it. Put simply, car warranty and car insurance come in a variety of protection packages, all of which targets specific components pertinent to you and your car’s safety.

You can best differentiate car warranty and car insurance respectively through these two concepts: car parts and accidents. Car warranty provides protection in the event when any of your car’s components fails without any fault from your end. Car insurance shields you from any unwanted one-time costs arising from accidents. This article discusses a comparative approach to distinguishing between the two tools.

car warranty thus serves as a safety net against those circumstances previously mentioned. Standard coverage for vehicular damage caused by defective car parts – in the absence of any external force of course, merits the advantage of a car warranty. Essentially, automakers specify a sufficient warranty period for your car and specific car parts, which allows you to take advantage of free repair and replacement throughout its duration. In the event any of your car parts break down without your fault during the warranty period, you can use your car warranty to have your repairs and replacements done free of charge. But those warranties only last so long, which is why you should then invest in an extended warranty for your car to further your protection against unexpected car repairs. With an extended warranty, you are able to get discounted repairs, which is better than paying the full price. Less money to be spent, means that you won’t lose your mind when you get that bill.

CAR INSURANCE: ANTICIPATING THE UNKNOWN

Accidents happen just when you least expect it. Chances are, your car may be exposed to countless opportunities of being written off the more you use it for commuting. From road mishaps to damage from natural disasters, your car confronts numerous chances of encountering accidents. That should leave you with no room for complacency, given that one-time payments for repair and replacements can derail your budget in the long run.

To save yourself from the financially-disastrous effects of car accidents, consider a proper car insurance package that best suits you and your car. Through reasonable payment terms for premiums, a car insurance affords you with sufficient coverage that allows you and your car to recover as you claim what is due to you. Compared to shelling out money for expensive repairs, car insurance provides you with the convenience of having your insured car taken care of by your insurance provider, particularly in cases where your insurance package involves a specific service center. Additionally, car insurance also helps cushion the financial consequences of damaging another car in an accident, as it provides you with cover as you compensate for repairs. The fact that you cannot exactly anticipate the frequency of accidents happening to you and your car makes car insurance an essential investment.

CONCLUSION: WHICH IS A BETTER INVESTMENT?

Car ownership means so much more than purchasing your own car – it involves the need to invest in various protective instruments, as in the case of both car warranty and car insurance. Both tools allow you to have optimal protection against the financially-disastrous effects of car parts defects or accidents on the road. Depending on the scope of your coverage for each tool, you may choose to go for just a car warranty, car insurance, or both. We highly suggest having both, as you can never know what will go wrong. Insurance is a must, but a warranty is just as important for the normal wear and tear you’re your vehicle undergoes from commuting you to your various locations. Ultimately, investing on these tools makes you the biggest beneficiary, which is why your wise and informed discretion is crucial in making this decision. It’s best to be proactive and protected, because life can throw you curve balls and sometimes it throws things at your car.

10 COMMON CAR MAINTENANCE MISTAKES

 

Conducting car maintenance can be both a do-it-yourself (DIY) thing and a matter best left to the caring hands of professional mechanics. Given that cars are valuable investments, car owners are always encouraged to practice proper car maintenance, but it can’t be helped that errors may set in (we’re all human right?).

To ensure that your car doesn’t turn out to be an investment gone bad, you must exercise responsibility in taking good care of it, especially during maintenance work. Here are the five most common instances where car maintenance mistakes take place. Read on to find out what to avoid and how to deal with them moving forward.

  1. Taking the smallest things for granted

Always remember that even the most seemingly-insignificant things matter a lot when it comes to car maintenance. From conducting proper engine startups to replacing old wipers, paying attention to mundane details allows your car to last longer. That’s the reason why some motorists tend to encounter problems with their cars early on – they think that the smallest issues won’t transpire to bigger ones as they neglect them.

  1. Neglecting the air filter

Don’t think of the air filter as a component that can be dealt with just by cleaning it. Replacing your car’s air filter is something that you must do on a regular basis – once it accumulates too much dirt, then that’s the time to make the right move. Air filters are pretty much generic in form and are easily available in any auto parts store, so those who have allowed their cars to choke in performance through dirty air filters would’ve gotten away had they been more responsible.

  1. Skipping on inspecting car fluids

Several motorists have compromised their cars’ performance simply because they neglected the importance of replenishing the various fluids their cars have. Another issue of note is the need for changing engine oil – some motorists have experienced the worst in the form of engine damage simply because they overlooked such process. To make sure your car gets to perform better as it steers away from component damage, keep your eyes on the lookout for changes in car fluids.

  1. Overlooking brake pads

Having a case of bad brakes can never be part of good news for every motorist. Most of the time, unreplaced brake pads have led to greater problems attributed to the integrity of steering systems. In other words, not replacing your brake pads exposes your car to greater risks – the worst being crashes caused by faulty brakes. For that, make sure to replace your car’s brake pads the moment they start showing untenable wear and tear.

  1. Overlooking tire conditions

There are several things that can happen when you neglect your car’s tires, the most common being tire blowouts and loss of vehicular control leading to crashes. If you fail to have your tires rotated or inflated according to the right pressure, then chances are that those dire consequences can take place with greater possibility. Never ignore your car’s tires – see if they’re in tip-top shape to see if they’re fit for the standard idea of safe travels.

  1. Driving with an overheated engine

Why some drivers still insist on driving with their engine compartment already smoking is a question no one has the answer to (they’ll try to give you an answer but it just doesn’t make sense). Obviously, an overheated engine should prompt you to stop driving already, lest you wish to flirt with the idea of your car getting caught in flames. In case of engine overheating, dial for roadside assistance or a towing service.

  1. Proceeding with DIY without proper knowledge

Again, car maintenance is truly a DIY thing. But in cases where you do not have the proper know-how, you should not risk doing things on your own. When in doubt, always call for roadside assistance should you find yourself at a standstill in the middle of the road. Also, keep numbers of professional technicians who can inspect your car and restore it to full health.

  1. Ignoring your windshield wipers

It is always easy to take the smallest things for granted. Take the case of windshield wipers – while they tend to be overused particularly during the rainy season, their replacement tends to be the least concern of some car owners. But as time passes, windshield wipers become more brittle, leading it to leave unwanted stains on your windshield during use. For that, it always pays for you to have time to check your windshield wipers and see if they should be replaced.

  1. Neglecting your tire pressure monitoring system (TPMS) warning light

Your tire pressure monitoring system (TPMS) warning light indicates whether your tires need to have their tire pressure increased. Unless you wish to experience how having a tire blowout feels like, you should not risk ignoring your TPMS warning light the moment it lights up. Bring your car to the nearest service center to have your tire pressure increased, or you may do so on your own with the proper equipment and know-how.

  1. Disregarding the Check Engine warning light

Sure, your car may still operate normally with your Check Engine warning light already glaring on your dashboard. But the thing is, you should never keep your complacency high when your Check Engine warning light starts lighting up. Take your car to the nearest service center for a checkup, or prepare yourself with some essential diagnostic tools if you wish to deal with that through DIY in the future.