Insuranceits everywhere. One can insure just about anything. Are tires an investment one needs to insure? Tire insurance, also called a road hazard policy, road hazard warranty, or tire reimbursement plan, is a rapidly growing industry in the automotive world.Tire warranty plans pay in full or in part for the replacement or repair of damaged tires and/or rims from road hazards. Road hazards are defined as pot holes, debris, nails, wood, and other hazards found in the road. Curbs, sidewalks, and stone walls are not road hazards. This is an important distinction to consider when deciding if tire insurance is right for you (discussed further ahead).Tire plans last for a specific period of time and tire wear tread-depth. Some plans last 2-3 years. Others can last 5 years or 60,000 miles. Several plans come with fixed amounts of coverage: $500 per year up to 4 years. Many contracts require three years of law school to comprehend. In terms of tread depth, a tire is usually considered worn out (and thus the plan null and void) at 2/32 to 3/32 of an inch.Another important distinction is in the type of plan.Tire reimbursement plans are just what they say. You, the plan holder, will be reimbursed after the claims process is finalizedusually 2-8 weeks. There is an out-of-pocket expense. These plans are often sold by new car dealerships. The prices can range from $300 to $600 dollars.Road hazard policies operate similarly to reimbursement plans. However, some tire insurance providers, in partnership with the repair facility, may have a direct-pay relationship. Thus, there would be no out-of-pocket expense, except for applicable deductibles, and items not covered in part or in full. These plans are primarily sold by tire dealers and repairshops. The prices range from $10 to $30 per tire. They also can be based on a percentage of the cost of the tire: usually 12% to 15%.Both types of plans have a number of variables, requiring a magnifying glass to read the fine print. Also, many are pro-rated warranties, covering only a percentage of the cost of the tire based on its wear.Claims and Coverage:Depending on the plan, claims are initiated by the repair shop. The process is fairly smooth, although there can be a significant delay from the provider for authorization. This delay may be an hour or an entire weekend. This means that youll have to ok the tire replacement, and then hope its authorized for the full amount, or drive on your spare.Some plans offer national coverage either among their service facilities or from other repair centers. Claims procedures will vary. Others only provide local coverage, or coverage at the selling facility.Limitations:Tire insurance does not mean that everything is covered. Pro-rated warranties are based on the wear and tear of the tire. You may get 75%, 50%, or only 10% coverage depending on the tread-depth. Youll pay the remainder. While there are plans that offer full coverage, even these have limitations, or they may conflict with a repair shops policies.For example, many plans allow for a maximum of $30 to mount and balance one tire, and a maximum of $15 to repair a tire. However, sport tires often have significantly higher mounting and balancing feesupwards of $50 per tireand tire repair prices can exceed $90. There are also discrepancies on the tire and rim prices themselves, which in the end, may have to be supplemented by the service customer.Although there usually is not an issue with the latter given the competitive market, the service centers price mark up may be unacceptable to the plan provider. In this case, the service center needs to lower the price or you, the service customer, need to pay the differenceor go somewhere else. This does happen!Rim Prices and Repairs:Rim replacement is becoming less frequent. With the high cost of aluminum wheels and sport wheel packages, tire insurers have opted to have them repaired. Repair will only be done if the rim does not hold air. What this means is that even if the rim is warpedenough to cause a vibration and even premature tire wearthey wont replace it. Rather, they will send it out to be straightened and repaired.Rims are replaced only if the damage is so extensive that the new tire, when mounted on the rim, wont hold air. However, even in this case, especially if its an expensive sport wheel, they may still attempt to repair it.Repairing rims is a bad option. While some rim repair is acceptable, badly warped or damaged rims will in no way ever be the same.Alignments:If a car hits a road hazard hard enough, such as a pot hole, its wise to have the alignment checked. Road hazard policies and tire reimbursement plans do not cover alignments. The service customer will have to pay for this procedure.Road Hazard Protection Positives:Some plans include tire rotations, wheel balancing, and nationwide coverage.Myths:1) "Can I pop all 4 tires and get a new set of tires?"You can try. But this type of claim will trigger a number of red flags with the insurer. The policy holder will likely send out adjusters and/or require photographs. You will also have a difficult time explaining how a road hazard caused all 4 tire pop.2) "New tires come with a road hazard warranty."New tires do come with a warranty by the tire manufacturer. However, it only covers defects in workmanship. New tire warranties do not cover punctures or damages from external sources. This is why "road hazard" protection is being pushed.New tires are rarely defective. If there is a problem, its usually noticed when balancing the tire. Or, there is a drivability concern such as vibration or noise. If theres a defect its generally caught right away, and the tire swapped out.3) "Its so cheap; its a no-brainer, right?"Actually, the experts don't agree with this statement.The Economics of Tire Warranties:An article from the Washington Post by Terence OHara explains the economics of extended warranties and purchase protection plans in general. It is quite fitting for road hazard warranties. He writes:"The decision to buy an extended warrantydefies the recommendations of economists, consumer advocates and product quality experts, who all warn that the plans rarely benefit consumers and are nearly always a waste of money.[Extended warranties or purchase protection plans] make no rational sense, Harvard economist David Cutler said. The implied probability [of having an issue with the product] has to be substantially greater than the risk that you cant afford to fix it or replace it. If youre buying a $400 item, for the overwhelming number of consumers that level of spending is not a risk you need to insure under any circumstances."In short, road hazard warranties are a waste of money. Dont insure that which you can afford to replace.Numbers Game and Slim Chances:Like all insurance, tire insurance plans are a numbers game. However, this is a game you have a 98% chance of losing. Insider statistics show that the percentage of claims paid out by providers is as low a 2%.Curbs:Another interesting note is that a lot of tire damage is caused by curbs. Curb damage is not covered under most road hazard policies. High granite curbs with sharp edges slice through tens of thousands of tires per year.You Wont Notice:Many people dont even notice tire damage. Other than to see if the tires are holding air, who really looks at tires? Tires are subject to a whole host of external influences which cause bubbles, slices and gouges.Despite the potential dangers of damaged tires, the damage very often does not translate into any noticeable drivability issue. The point is that if you dont notice any tire damage you cant benefit from the coverage.Research Shows:Those raving about the benefits of a road hazard policy are the actual folks in the industry who stand to benefit from the sale. Theyll argue that its so cheaponly $10 to $20 per tire. Even so, for four tires, thats $80 based on the possibility, the chance, of damaging a tire that meets the repair/replacement requirement protocols.Auto Insurance:If a rim and tire has incurred significant damage, its quite likely that other problems have resulted as well. The first is that the vehicle may have been jarred out of alignment. Secondly, hub bearings, front end components: tie rods, spindles, ball joints, and a variety of other components may have sustained damage. In this case, auto insurance, which you are already paying for, will pay for everythingbrand new.Free Road Hazard Warranties:Many tires come with road hazard warranties FREE. In other words, in an effort to secure retailers, many tire distributors provide service centers FREE road hazard insurance. Some shops pass this on to their tire customers, others sell them. Ask if the tire comes with a road hazard protection policy. If not, request that one be provided at no additional charge. Its worth a shot.Also, some car manufacturers provide road hazard warranties FREE of charge for 12 months or 12,000 miles. If youre buying a new car or even used, ask that the dealer provide a complimentary road hazard policy (after all the wheeling and dealing is done, of course), and just before you commit."Whats the best road hazard policy?"Money in "your" bank account.
Without a doubt the cheapest car finance can only be found online with a specialist broker. A specialist will have the knowledge and experience of where to look for the cheapest deal for your particular circumstances and all thats needed from you is just a few details. Then you just have to sit back and wait for them to give you details of the cheapest deals.When it comes to financing your car there are options you have to consider, such as whether you want to take a variable loan or a fixed rate of interest. When looking yourself you have to be careful when considering what could be a low quote because the quote could be for weekly terms but the annual APR could boost up the cost of the loan considerably. You do have to take the rate of interest into account and the length of time that you take the loan over. Of course the longer you borrow money, then the more interest will be added and so you will pay much more over all. However, the repayments will be spread out so it doesnt feel like it costs as much each month. The overall cost and affordability has to be taken into account because while you have to be able to afford to make the repayments each month you will have to continue to make them sometimes for many years. Another factor that has to be taken into consideration are the terms and conditions within the loan. Some will allow you to repay the loan early if you should be lucky enough to do so without charging you a fee, while others will charge you for the privilege. A specialist broker is always able to get you the right car finance deal for your circumstances and, along with this, the advice that you need to cut through the technical jargon associated with loans to ensure you get the best deal.
High style performance for Mecham designed components as well as sophisticated equipments are presenting many cars. During an auction, personalized cars are more successful; they benefit of the added value Mecham numbered series creations.Mecham car auctions are always spectacular and picturesque, such as Mecham Pontiac Trans Am, or Mecham Chrysler Plymouth Jeep or Mecham Supercharged Corvette Z06. Mecham offers a centrifugal blower with dual air to air intercoolers; the result is spectacular: 540 hp. This car is giving the elixir of power. Mecham adds also some dress-up items, such as custom leather interior, metallic finish trim pieces and custom tips.Mecham cars auction include sophisticated cars that never wrecked and are really rust free.The cars are really spectacular, customized and it is obvious they these products must sell. Everyone will turn some heads with Mecham add on his car. Detailed pictures are available upon request for every Mecham car.Mecham "car auctions" have managed to keep up with the evolving industry through purchasing the latest technology; investing in computerized frame machines, the Mecham cars ad adds are safe, spectacular and powerful. Mechams quests for perfection include Mecham car auction, where every room is kept very clean and dust free.Mecham cars have a real charisma, they are so spectacular and powerful that is hard to ignore a Mecham designed car. When someone walks up to the Mechams car, he can be afraid to touch it for fear of it bit him. The Mecham designed car has the presence of a great elephant in a China shop. Mecham is giving something of his personality to the cars, making these cars noticeable, unforgettable aid very different from any other car. Everybody loves Mechams finishing and styling; the wings seem to be installed at the factory; only few people realize that it is not true.Hood and wings seem part of the Mecham designed car. The suppression is really improved too; the paint finish is often better than the original paint; frequently the painting is more attractive and distinctive. Mecham car auction are always a maximum attraction point, visitors are national and international as well. The teal over silver graphics is spectacular and dramatically improve the cars look.Mecham car auction include nicely loaded and extremely precious Macho Trans Am, all Mecham designed cars are hot collectibles. The added packages are improving dramatically the cars look; appearance features designed for a wide range of sports fans, transform a valuable car into an incredible work of art.Mechams cars are rare; this is the reason why the Mecham car auctions are so interesting and tempting; they are great evens and has evolved into a social event over the past years. Mecham car auctions are attend by thousands of car collectors and sport cars enthusiasts.Appropriate professional software allows live online bidding, saving the buyer time and money. For Mecham designed cars, the visit at the auction place is always a pleasure; everyone will enjoy a journey through spectacular powerful and unique cars.
The Hyundai Azera is a car model from Hyundai Motor Corp. which was produced in 1986. The fourth generation of Hyundai cars is called the Hyundai Azera and it was marketed first in North America.The all new Azera started in 2006 as an advanced sedan which provides many traits and amenities which are usually characteristic for more expensive cars. The Azera offers the full-size luxury automobile consumer a more elegant cabin, more security characteristics, and a smoother drive.Technical aspectsThe Azera has a four-wheel independent suspension (multi-link in the rear) and uses the company's new 3.8 L Lambda V6, which generates 263-hp (196 kW). The power is sent to the front wheels through a five-speed automatic transmission with "Shiftronic" manual gear selection. Hyundai claims 6.3 seconds to accelerate to 60 mph (97 km/h) and a top speed of 157 MPH (252 km/h). The Azera has a fuel economy of 19 MPG (12.4 L/100 km) in the City and 28 MPG (8.4 L/100 km) on the Highway is expected.Styles and Major OptionsThe Azera offers plenty of perfomance using an awe-inspiring 263-hp DOHC V6 24-valve aluminum power plant with CVVT, variable induction and intake of cold-air.The Azera is the most uncompromising car Hyundai's ever created through a double-wishbone front suspension and multi-link rear suspension, with front and rear stabilizer bars to provide an optimized ride and handling.The Hyundai Azera is recognized an an Ultra Low Vehicle Emission. The Azera helps the driver reach amazing levels of efficiency, with a trip computer that allows for MPG monitoring. You are provided alloy wheels, heated front seats, leather seat-upholstery, and a power sun shade in the rear window. In the ultimate package are included an improved audio system with 10 speakers and a 6-Disc CD changer, a power sunroof, telescopic steering wheel, and rain-sensing windshield wipers.SafetyEight Airbags which come standard on the AzeraHyundai make you sure that their Azera has many standard features and it can be compared to Toyota Avalon, with Electronic Stability Control, Traction Control, as well as Anti-Lock Brakes (ABS). The Azera also comes standard with 8 airbags and remote keyless entry, and an anti-theft engine immobilizer. The Azera/Grandeur TG" is a full-size sedan. It is sold as the Hyundai Azera in North America.Being a step up from the Sonata, the Azera is evaluated at $24,995 for a base SE model, $27,495 for the Limited version, and $29,995 for the Ultimate Package. The flagship Azera will be the most luxurious sedan Hyundai is selling outside of Korea.The Azera was named "Best New Family Car (over $35,000)" in the 2006 Canadian Car of the Year awards.It also was awarded by Car and Driver because it has more rear legroom than a BMW 7 Series. It is also believed to have more overall interior room than the BMW 7 Series.For more details go to http://www.ourismanhyundai.com
Nothing lasts forever, including your relationship with your favorite set of wheels. Your trusty vehicle may no longer be up to the rigors of constant use, and is ready for semi-retirement. Or your family may have grown, and that ten-year-old two door Honda Civic is simply not expandable. But you dont think its expendable, either, and youd like to send it somewhere that it will be appreciated.But where exactly would that be? You have a pretty good idea that any car dealer will offer you next to nothing for a trade, and you dont really want to try selling it yourself and having strangers knocking on the door at all hours of the day or night. Besides, a ten-year-old Honda two door, no matter how well you have maintained it, has long since had its warranties expire. You, or whoever its new owner will be, may be facing serious repair bills before very long. The market for your old car, to be blunt, is limited.So why not look into car donation? Even if you arent someone who thinks very much about the needs charitable organizations, taking advantage of a car donation program will not only solve your problem of Honda disposal, it will provide you with a very nice financial benefit. How?How A Car Donation Will Benefit YouA car donation to a charity will entitle you to a tax write-off on your next return. Depending on your tax bracket, that deduction could either significantly lower what youll owe to Uncle Sam, or significantly raise what Uncle Sam owes you in a refund. Are you listening? If you make a car donation to a charity which decides that your old Honda is exactly what they need to scoot around and perform their charitable tasks, you can take a tax deduction for the Hondas fair market value as determined by Kellys Blue Book. For more info see http://www.1cardonationservices.com/ on "Car Donation" .If you make a car donation to a charity which finds a collector of ten-year-old two door Hondas and makes surprisingly attractive offer on yours, both the charity and you will be happily recompensed, because youll be able to deduct the full amount of what the rather odd collector paid.Your car donation, in other words, will not only have sated the appetite of the collector, it will have given the charity some much needed financial help, and either lowered your future tax burden or increased your future tax refund. Can you say win-win-win situation?Just run an online search, and youll find plenty of websites which can get you on your way to making your charitable car donation!