Monday, April 13, 2009

Great deals in government vehicle auctions

Having a car is one of the most practical need that a person should have these days. It is simply part of our lives to go places and to travel on wheels. For someone like me, it would be almost unimaginable and amazingly unattainable to own a car if I do not have high paying job good enough to pay for the fuel and also for expected car repairs.

the holy grail when it comes to buying myself my own car. And these I would like to share to anyone interested in finding a way to fulfill that desire to own a car.

I can still remember that day when I was so bored that I read about the piece of information about government hosted car auctions. I told myself " hey I did not know there is such a thing?". Besides, why buy from the government? And where do these cars come from in the first place? Is it even legal? Of course it is, this is what I told myself from reading about its details in full. Owning a car has stayed in my wish list every year for so long. So what I did was to write the contact details and information in my notebook from these government car sales and then I told my friends about it. It was only a matter of time before my friend who is a mechanic went with me to these auctions to finally get my car, a 1999 Honda Civic for a price of $2,050. I think I saved $6,745 for this car which is not bad.

Buying Branded cars at car auctions

Where else would you want to buy a good quality car at a much lower price than in government auto auctions?

Who doesn't want to own a luxury car or simply put "a car"? Almost all of us would want to own a car but the fact is only a few of us can really afford to have one.

This is why it is a good news for everyone to know that there is such a thing as government car auctions where you can get a car at a very low cost. You may think of it as a joke when we are literally talking about purchasing a government seized car with 95% off the market price. Well, it is true, you can buy it only in a federal auto action. These charming well-maintained government repo cars that can only be 2 to 3 years old.

Hear the testimonials of proud buyers of these government vehicle auctions. A 2002 Ford Expedition EB with a book value of $18,944 for a price: $8,000. Get your son his first car, a 1996 Acura Integra with a book value of $9,223 only for a price: $3,876 in these government car sales. Some even make profit out of these government auction vehicles when they buy them and then sell it with an added value.

Government seized auto auctions open doors for the public to bid for their dream car.

Now you wonder where these cars come from? Oh, they can come from different government departments. Government cars auctions also acquire the cars from special seizure operations of the police. Sometimes these cars are simply bound by seizure laws that the government needed to make money out of them.

Branded cars like BMW, Chrysler, Honda, Lexus and the list go on are sold in government auctions for the public. If the government do not need them, might as well auction it to the public. Besides, it will save the government the cost of maintaining these incredible hot wheels.

Buying a vehicle in government auctions is a smart move. You just need to know the basics to make you a smart buyer. Here are the when you want to join these auctions.

1. Know how to bid by attending as many auctions as you can to help you get a feel of how the pressure goes. Doing your homework will pay out when you take the time to do some research. Knowing the real market value of the car out there is important just so that you will know what your car is worth. Getting an expert's opinion will not hurt. Meeting them in as many auctions you can participate into is the start of everything.

When you say research, this means business like going through the internet like reading reviews about the model of the car and also price information. Going online can get you closer to great discounts from these auctions.

2. Be the best friend of a mechanic even for just a day because he knows what is the best car for you. Checking the car history is one thing that your buddy mechanic should give you advise of. And just in case you didn't know about the VIN. Now is the time, to remember that it stands for "Vehicle Identification number". The VIN can be found on the tile or under the windshield of the vehicle.

When it comes to car parts, horsepower and engines, car professionals and mechanics would know more that you do so you better bring him with you in these auctions. An opinion of a car expert is very handy when you start thinking of the requirements to own a car. Usually it will take 2 weeks or longer since the car came from government auctions, so if you want to drive your car once you bought it, handling the papers on time is a must.

3. Know your limits. It pays to know the you are within your limit because in the end you would have to take care of what you bought and you know an expensive one will also cost you more in maintenance. And when you are ready to sign the papers, do not forget to read!

Read the details of the contract carefully before you sign your name in it. Know the terms and agreements or if there are warranties.

4. Test drive the car. You need to make sure that you will be comfortable driving it in real time. Nothing helps better than testing the car you would want to own.

Government car auctions are really the best way to get great deals if you want to buy quality cars at a cheaper price. These days you don't really need to hit the financial cul de sac to realize you can still own a car.

Thursday, March 12, 2009

avoiding higher premium rates

Consumers, being good citizens, adhere to insurance-related rules imposed by the government. Unfortunately, car owners end up stuck in the legislative loophole and thus pay a higher premium rates.

This legislative loophole is no other than the simple confirmation letter car owners receive for the renewal of the insurance plan. car buyers get stuck in the said loophole when they themselves are not aware of the policies. Customers who are not knowledgeable about this would often respond to the company in letter and ask of the premium rates for renewing the insurance. However, those who are aware of the system would not tell the company but would rather do research to seek for special discounts offered by other companies in the market.

Intelligent car owners would usually opt to pay off the total amount of the insurance rather than divide it into premium rates. The research work involved would not fail car owners as well since there�s a great deal of offers available in the market.

This simple step of ensuring that you are financially sound regardless of what you�re paying for is a simple indication that it takes a well-informed mind to refrain from being mired in financial trouble.

What you need to know about cheap car insurance quotes

You might have thought that having the cheapest car insurance can answer all your financial worries. But before you purchase a policy, there are list of reminders that your should note to avoid common car insurance problems.

As a prospective car owner or buyer, you need to scout for relatively cheaper car insurance by first finding the professional car insurers. They read the fine print and make sure that the buyer understood the policies well before closing the deal. Most often than not, the best car insurance consultants are since they do not want to miss each small detail of the policies set by the cheaper auto insurance. Doing this would not only protect you from legal troubles, this would also help you avoid having a cheap car insurance ending up more in the long run.

In practice, the best cheap car insurance dealers ask you relevant questions because they know that there are pieces of information vital for your low cost car insurance quote. This is where the main problem can arise. Most consultants are not particular when it comes to disclosing information that clients end up paying more rather than saving more by opting for cheap car insurance.

There�s always a need to read everything written in paper. You have the �duty of disclosure,� which only means that even if nobody asked you vital data, there�s still need for you to disclose it so long as it will affect the terms and conditions in getting a cheap car insurance. Basically, you need to tell your insurer what information is needed and tell it even if you�re not being asked.

Buying a car insurance online, however, would be different. But even in this kind of transaction, you still need to be careful with the questions so as to answer them accurately. If they ask you what they consider as important, then answer it. The safest advice to follow would be� just tell the motor insurance company if you�re not sure of what to tell them. That always works and that, actually, is how it works.

Before you flood the cheap car insurance company with details, be sure that you have discussed the following points: motoring convictions, criminal convictions, and modifications.

You can simply do away with motoring convictions from your driver�s license before you are legally allowed for rehabilitation. It is advisable, however, that you reveal to your cheap auto insurer all the details about the driving convictions especially those that have not yet been served rehabilitation.

Car insurance companies are badly in need of key information. Even your criminal convictions are required since such pieces of information can influence your premium or terms of cover. Failing to do so might exclude your cheap car insurance policy.

Aside from these, your insurers would also want to know the following: fault or non-fault claims made on your policy; claims made against you; outstanding or unsettled claims; all claims regardless of damage or injury; and all incidents regardless of the presence of a claim. Take note that the term �incident� refers to accident, theft, fire, windscreen, or vandalism.