Tag: cheap car

Buying a Used Damaged Car

Just about any time or place you happen to be in the U.S. today there is most likely to be a damaged car auction some place close by. Some people have decided that this just may be the best way to get that car that they have always wanted. Even though they are classed as salvage cars this does not mean that they do not have some useful life left in them. If they only have damage to the body panels from a collision they may still run like a new car. Many people today are looking into buying damaged cars just for these very reasons.

Some places to find more information on these types of car auctions are all around. One place would be your local news paper. If they list these auctions they will usually publish the date and time along with the location and usually the sponsor. Another good lead might be to call a few of the local insurance agents in your area to see if they could give you a few leads on up coming auctions.

The easiest place to find damaged cars for sale whether in an auction or not is probably going to be on the internet. There are sites which list the local auctions all over the country as well as auction sites on line and classified sites which list cars for sale. These sites usually list all of the details that you are looking for, for a particular auction. Some even list the cars that are up for sale as well as the amounts that are bid.

Most of the cars that you find in this manner can usually be had for a very low price; some even say give away prices. Some even advertise that they sell for up to 90% off of the original price which can be deceiving because just being a used car will already have lowered the price considerably.

This however does not mean that you can spend foolishly just because of a lower price. It is just the opposite; it is the time that you really have to watch your budget. after all these are used damaged cars and you do not want to spend too much leaving you with little cash left to make the necessary repairs.

Once that you have found the car that you want to consider one of the first things that you will want to do is to check it over thorghly to determine what condition that is in. You will also want to make sure that it is in good running condition in spite of the apparent damage. What you are trying to do is determine what the needed repairs are going to cost you and how much of the work that you can do yourself.

So that ends our look at buying a used damaged car and what you can expect, whether looking for a used hatch back, or maybe more of a family vehicle like a 7 seater car, the damaged car auction may just be the place to look.

Tips for Finding the Cheapest Car Insurance

When purchasing insurance it is important to determine whether or not it’s legitimate, it satisfies your needs as a consumer, and if it is cost efficient. One can discover this by simply doing their research. The most important rule when purchasing insurance, of any kind, long-term, short term car insurance, etc. is to do your research. Understanding your needs will help you determine what is best for you and allow you to prioritize those needs – is it more important to have a cheap policy or an expensive policy with an insurance agent that provides great customer service? You also have to explore all options that are out there and find the ones that compete with your current policy. There are many online tools and resources that will provide you with a free quote from several sources. Often times this is the easiest and most convenient method of finding cheap insurance. This also allows you to be more informed of what options are available and what your price point may be. This gives you the leverage you need to negotiate with an insurance company that you might be interested in using.

But to truly be able to find the cheapest insurance you have to understand what insurance is. When you sign a contract with an insurance company you are basically saying, I will pay this much this often and when something bad happens, you guys will cover it. The insurer determines how much they want you to pay them by assessing your risk. They want to ensure that, if something bad does happen then it will be covered by your payments and not out of their pocket. So ask yourself – how much of a risk am I? Because, as the driver, you do have a certain level of control in determining the cost. How often you drive, what you drive, your driving history, where you drive etc. all of these play a factor in determining the cost of your insurance.

Now that we understand that assessing our risk is how an insurer determines the cost of our insurance the ultimate goal is to lower our risk. Taking a defensive driving course is a good way of gaining safe driving habits therefore lowering your risk as a driver and earning a significant discount. Having a security system on your vehicle is also another way to help lower the risk of theft and other property damage, etc. Other ways to lower your insurance premiums would include driving a more modest car. If the cost of insurance is really a problem for you than you probably shouldn’t be driving a red corvette convertible. This often means to insurance companies that you like to drive fast therefore your more at risk of getting into an accident and if you do get into an accident, corvettes can be expensive to fix. Another, possible and seemingly obvious way to get a lower premium would be to simply ask. Inquiring about low mileage, good driver, group discounts, etc. could prove to save you a significant amount of money.

In this society where credit is so heavily relied on, insurers no longer just assess your risk as a driver but also how much of risk you are financially. So it’s not unusual for an insurer to look at your credit history.

Insurance is something that we all need and, often times, all find to be too expensive. But if taken seriously, the task of finding quality insurance at a reasonable price could turn out to be well worth it. Because, as I said before you do have some control over the matter and fortunately these are not the only ways of saving money. So do your research and invest the time now to prevent yourself from throwing away money later.