Wednesday, August 31, 2011

Don't Overpay on Car Insurance – Getting a Good Deal

Don't Overpay on Car Insurance – Getting a Good Deal

If you are a driver in Ontario, there is a good chance you might be paying too much for car insurance. Car insurance can often be obtained for less than we're currently paying. There are web sites like F.S.C.O. (The Financial Services Commission of Ontario is a regulatory agency of the Ministry of Finance that regulates insurance in Ontario.) there you can check information to see if you are in fact paying too much on car insurance and if you are, you will be able to cut back on your payments by getting a new policy. In a tough global economic market, it is important that you don't overpay on car insurance and that you focus on getting a good deal.

If you are looking to get a good deal on car insurance there are benefits and perks you will want to sign up for. For one thing, you will want to get a newsletter from a service that monitors car insurance rates. That way you can keep an eye on the market and get a sense of if you are over paying or not. When you see something that looks like a good deal, you can act on it. Some places will also send you updates via text or tweet. This is a great option for people who use the social media as a way to get all their information.

Another helpful service you can take advantage of is renewal reminders. This will let you know when it is time renew your car insurance. We all need to keep on top of important dates and this service will be of assistance to you so that your insurance doesn't run out without you even realizing it. When you are paying for car insurance and looking to pay less, you won't want to miss a payment or spend time without renewing your insurance because this will make it harder on you to get a good rate.

Another benefit to trying to get a lower car insurance rate is that many times insurance companies offer bundles of different kinds of insurance, so you can often get lower rates on other insurance payments you have as well. It is important to be a good client or customer and make all payments on time and of course it doesn't hurt to also avoid accidents or things that make your insurance rates go up. It is possible to pay less than you are paying now if you just shop around a bit and stay informed on what all your options are. 

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Thursday, August 25, 2011

Cell Phones Banned on Roads – Don't Talk and Drive

Many places have already banned cell phones for people who are driving and now Ontario joins these provinces. It is dangerous to use a cell phone while driving because it distracts you from what you are supposed to be doing, which is paying attention to the road and the people and cars around you. Cell phones banned on roads are because of the risk they pose to your self and to others. Police will ticket anyone they see using a cell phone while driving whether they are talking or texting.

This ban also extends to other handheld electronic devices such as laptops, iPods, and e-readers. This ticket can be quite expensive and can be up to $500. This is because engaging with electronic devices while driving is such a dangerous thing to do. It is asking to driving drunk on the roadways. You need to be able to avoid potentially dangerous situations while driving and also be sure that you do not yourself create any of these situations. Not only is this an expensive infraction to incur, but you will also be gaining demerit points on your license. These are difficult to remove and can lead to more severe penalties such as losing your license.

There are legal ways to make and accept calls in Ontario while driving, however, which would be, if you are using a headset or a hands free device. There is no way to enforce the cell phone law without allowing this because if someone is talking to themselves in the car, that is legal, and it would look the same as someone using a hands free device. So even though cell phones are banned on roads for drivers, they may accept calls through hands free technology.

Hands free technology includes OnStar, Bluetooth, and headsets that are appropriate for such calls. This means it is the technology itself that distracts the driver, not the act of talking or listening. Some cars have a built in blue tooth so that the call can be accepted through the car and come through the car itself. The result is that the call comes through sounding like a speakerphone. In order to legally use your electronic device while you are behind the wheel, the car must be not in the road and not stopped at a stoplight, not in motion, and not impeding traffic. In other words, it must be legally parked somewhere.
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Thursday, August 18, 2011

Not Just Any Old Car Will Do When You are Buying a Quality Used Car

There are many reasons why someone would check into buying a quality used car rather than paying the higher price for one that is brand new. The number one reason is that a previously owned vehicle is sure to cost a lot less than one that is showroom new. Some people decide to only purchase a previously owned vehicle for the sheer fact that new cars depreciate when they are driven off the new car lot after being purchased. When you find the car you want and the loan you need to seal the deal most people are proud to have been able to go through the process.

Another reason for buying a quality used car is that many believe older vehicles are just a bit better than one that comes to them directly from the manufacturer. Along with that, some even feel like those vehicles that are still on the road after a year or two have already proven themselves and are worthy of purchase. Even though that may sound really good, and may have some basis in fact there are some things that should be done to assure that the new owner will not find themselves up to their neck in troubles they could have avoided.

When buying a quality used car you should take a look at some of the newer models that are on used car lots today. Many of these vehicles often are less than three years old. That means that they may have some of the original manufacturer’s warranty on them. That could help to give you some peace of mind, at least for a little while. Before you do buy the vehicle check to make sure that way there will be no question that you will be covered if it is.

A certified pre-owned vehicle is one of the best ways to go about buying a quality used car because they typically have fewer than 80,000 kilometres on them making them a better deal right away. They have also been put through multipoint inspections, and any needed upkeep and service has been attended to before being placed on the lot to grab your attention. Often, the major automakers even throw in an extended warranty at no cost to the buyer. A previously owned vehicle can be a great option for those wanting to save money, but it should never be taken for granted that just any old car will do.

Prudent Value Cars offers vehicles that are top quality cars and trucks with low kilometres. They offer flexible financing for all kinds of credit and zero down for qualified customers.

Wednesday, August 10, 2011

Buying a Quality Used Car is Easy When You Know What to Look for.

Not everyone knows the benefits of buying used cars, but that does not mean that they should not be taking a look at them anyway when it comes time to purchase a different car. It is always prudent for anyone looking to purchase a car that they check into what would be right for them. Buying a quality used car does not have to take a rocket scientist to get it right, it just has to be handled a bit differently than purchasing one of the new car show room. A previously owned vehicle can be likened to a Renoir painting. It may not be hot off the easel, but it sure has character.

The prudent car buyer will always take the time to look at buying a quality used car first because used cars have already taken the depreciation that often happens the minute a brand new vehicle is driven off the lot. Another thing that the astute car buyer should do is to be careful to select the car you want and the loan you need. most buyers are unable to even come up with the money to make the purchase, but that does not mean they should just take what is being offered to them at the dealership without question. Sometimes dealers offer good deals, but often they do not.

When buying a quality used car you should take a look at the newer models first because often they still have a portion of the manufacturer’s warranty still in place. That means that you will be covered in case something goes wrong with the power train or other important mechanical features of the car. Of course, there is always the option of purchasing an extended warranty on any used vehicle, but it is usually cheaper on newer models and provides more coverage as well since the risk of something serious going wrong is much less than with an older vehicle.

Along with taking a look at a newer vehicle, when buying a quality used car, you should also check into what are known as certified pre-owned vehicles. These later model used trucks and cars typically have fewer than 50,000 miles or 80,000 kilometers on the speedometer, and have been put through multipoint inspections to make sure that they are in tip top shape. During the inspection process they have received all the required service and upkeep prior to being placed on the car lot. What you will find when buying a previously owned vehicle that has gone through this rigorous process is a very good used car.

If you’re looking for ways to save money by buying a used car, visit our inventory at
Prudent Value Cars makes it easy to help you buy the right used car for your needs.

Thursday, August 4, 2011

Buying a Quality Used Car is Not Rocket Science

Many people realized a long time ago the benefits of buying a quality used car over buying one fresh off the new car lot. However, it is not always the easiest thing for everyone to figure out if they have not been doing so for years, or have a mechanics license to let them know when something is terribly wrong or extremely right. It doesn’t take a rocket scientist to figure out when a previously owned vehicle is a good deal or not, bit there are some things you should know so that you will not take home a lemon.

The best way to go about buying a quality used car is to shop for some of the newer models that are on lots these days. Most of the time later model previously owned vehicles still have a portion of the original manufacturer’s warranty still intact. With warranties usually being three-years or based on kilometres, when you buy a used car that is less than three years old you will be getting the satisfaction of knowing that you still have about a year left where you will not have to worry about your car. Along with that there is usually a longer warranty on the engine and transmission.

As you do search for the right previously owned vehicle for you make sure to check into certified pre-owned vehicles. These vehicles have been put through inspections that check the vehicle in multiple areas to make sure that they are ready to go. They are also serviced and any repairs made, that are necessary. They normally have less than 60,000 kilometers on them so you know that when you are buying a quality used car that has been through the ringer this way you will have a good vehicle to drive and be proud of. You just can’t go wrong with this kind of deal.

You can also do a background check on any car you are interested in to find out if you will be buying a quality used car if you settle on this one or not. If you find that the must-have vehicle has a number of recall issues or if the previous owner has complained to the manufacturer about it, it might be best to just walk away and take a look at something else, A previously owned vehicle can be a really great bargain, but if you are going t have to wonder if you will have troubles with it too, it is not a good deal.

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