How To Save $500 On Gap Auto Insurance

The average price for gap auto insurance sold by an auto dealership or finance company is $578.

Q. So why would anybody in their right mind pay $500 more they should?

A. They dont know any better.

Imagine youre in a car dealership and youve just purchased a brand new car. Youre sitting there with a self satisfied smile on your face that lets everybody in the showroom know you just brought the salesman to his knees with your finely honed negotiating skills.

Next you go see the finance person to arrange a loan. This is where youre casually informed that if you wreck your beautiful new car during the next year or two youre going to have fork over maybe five grand because the car will be worth that much less than what you still owe the bank.

Lucky for you the finance guy has a tailored made solution to the problem. For a measly $578 one time fee you can purchase a gap policy that protects you from a potential shortfall, up to $5,000, if you owe the bank more than the car is worth when that bus hits you.

Of course youre going to say “sure, go ahead” because youre afraid of losing your shirt and, by the way, did I tell you the premium could be rolled right into the loan?

On one hand, youre relieved to know the value your asset is protected, but on the other hand youre asking yourself why it had to cost so much.

Well, it doesnt. But who knew that there was even such a thing as gap insurance much less how much its supposed to cost. The problem is not with you, but with the major insurance companies and their brokers.

The reason you dont hear anything about gap from your insurance agent is that it isnt exactly a big money maker. With an average gap endorsement costing around $35 a year, there isnt a lot of profit incentive to buy 30 second spots on American Idol.

Besides the price, theres another difference between the gap insurance sold by a car dealer and the policy rider sold by a name brand gap insurance provider. When you buy gap from a major insurer you can cancel the rider as soon as the loan balance and value of your car reach parity usually within the first two years of ownership.

With dealership gap insurance, the coverage is spread out over 60 months and cannot be canceled for a refund whether you need it or not.

Growth Momentum for Auto Stocks Maruti, Mahindra and Mahindra on NSE

Do you know the auto industry is expected to witness 40 percent growth over the next five years or more? According to a survey, 14.7 percent of the global growth in this segment is to come from India! This is only good news for investors of auto stocks such as Maruti Suzuki, Mahindra, etc. Of course, the market hovering between gains and losses is a humdrum affair given the volatile scenario. It is no unusual to find auto stocks in morning trade slipping into the red from positive terrain and again hitting fresh intraday low in the afternoon. The market breadth can be either positive or negative depending on changing trends, global cues, sector performances, and related paraphernalia.

The auto indices of the Indian bourses had risen majorly last year due to better earnings by companies like Maruti Suzuki, Mahindra and Mahindra, and more. The growth momentum is expected to continue this year as economic slump is bottoming out. And consumer sentiments in auto stocks have revived. Besides, cut in interest rates have only encouraged people to take loans to buy vehicles, leading to increase in sales, and thereby growth of the companies. Analysts are positive on Mahindra and Mahindra due to its presence in major countries across the world, wide distribution network, and diversified product portfolio. The auto giant has seen a 40 percent plus rise last year. It was Maruti Suzuki that emerged as the market leader, rising by more than 57 percent last year. Investors, putting in their money for the long term on these and other blue chip auto stocks, can expect to gain up to 20 percent during the year.

Quarterly results do positively or negatively affect the price of shares of not only auto stocks but also other sector-specific stocks. Maruti Suzuki India on NSE hit a 52-week high, surging over 4 percent, soon after its q4 results ending March 31, 2013, were declared. The auto giant registered better-than-expected results with net profit of Rs 1,150 crore, up 79.6 percent from the same quarter of the preceding year. After the q4 surprise, what further saw a trending Maruti Suzuki India NSE stock was the yen’s dramatic decline, facilitating cheaper yen-denominated imports of auto components. According to the last 52-week price change statistics, Maruti Suzuki India NSE stock was priced highest at Rs. 1774.40 and lowest at Rs. 1051.

Mahindra and Mahindra on NSE saw its price perched highest at Rs. 1026 and lowest at Rs. 633.95. Mahindra is yet to unveil its q4 results, scheduled to be announced on May 30. Surprisingly, though the auto bellwether registered a 26 percent rise in its profit in its q3 results ending December 2012, its shares fell. Soon after the declaration, Mahindra and Mahindra NSE stock fell by over percent. Markets are unpredictable so are consumer sentiments!

Get the Best Value from Your Auto Insurance Provider

One of the best ways consumers can save money in today’s economy is to make sure that they are shopping around for savings on their auto insurance policy. Consumers should be certain that they aren’t overpaying for car insurance coverage’s or getting auto insurance coverage’s that they don’t need. Additionally, consumers need to make sure that they are using an auto insurance provider that offers multiple car insurance discounts that they could easily qualify for. The majority of consumers are not aware of the large number of car insurance discounts that auto insurance companies offer. These auto insurance discounts range from group affiliation discounts, to paperless discounts, and to clean driving record discounts.

Discounts Based on Occupation are Available

Many consumers may not be aware that they could be eligible for additional discounts based simply on their occupation. Auto insurance companies are continually looking to predict how risky consumers are so that they can accurately and competitively price car insurance policies. There are many other factors that can affect the price of a consumer’s auto insurance policy outside of his or her driving history. These factors include credit score, vehicle garaging address, current car insurance status and occupation. Some auto insurance providers have identified certain occupations to be lower risk groups when it comes to driving, and as result have lower car insurance rates available to people in these jobs. These car insurance discounts are available for multiple occupations, and can be as high as 9-10% for Full Time Graduate Students, Police Officers, Accountants, and Small Business Owners. Additionally, other occupations such as Bankers, Nurses, and Engineers can receive discounts up to 6% of their car insurance premium. Consumers are encouraged to ask their car insurance provider if they are receiving any additional auto insurance discounts because of their occupation. If a consumer isn’t receiving these or other car insurance discounts, he or she may be spending too much on auto insurance.

Shop Online to Get the Best Rates

The easiest way to make sure you are getting the best rate on your auto insurance is to shop online for a car insurance quote. Getting quotes from multiple car insurance companies lets consumers compare auto insurance rates and find out what car insurance discounts are available to them. An online auto insurance quote takes less than 15 minutes and asks for standard information such as name, address, cars, and driving history. In less than an hour you can receive up to five car insurance quotes online and easily compare the auto insurance policy prices. Many customers can save hundreds of dollars for the same car insurance coverage just by switching to an auto insurance company that has lower costs or offers more auto insurance discounts. Most auto insurance companies have easy, free online quote services that can help you start saving money on your car insurance today.

Get a free one auto insurance quote today.

Shop online for car insurance quotes and you could save over $500 a year on your auto insurance policy!

Zoom Autos brings buyers and sellers in the state of Utah together

Whether youre buying or selling a car, the key is to find the perfect match and make the best deal possible. In Utah, the states leading auto dealers, individual sellers of new and used cars and those looking to buy cars come together at Zoom Magazine and zoomautosut.com. Zoom is Utahs #1 automotive magazine and website, and allows the user to search the vehicle inventories of local auto dealerships and receive even bigger discounts in the process. Everything you need to search for a vehicle is represented at Zoom Magazine, so what are you waiting for?

There is seemingly no end to the great offers that pour into Zooms website each and every day. Its vehicle inventory is updated four times per day to keep details fresh and you informed about comprehensive listings that include:

Dealers and private sellers
New and used cars, trucks, vans and SUVs
Makes and models including Chevrolet, Buick, GMC, Cadillac, Dodge, Chrysler, Jeep, Ford, Lincoln, BMW, Mercedes, Porsche, Audi, VW, Hyundai, Lexus, Toyota, Nissan, Infiniti, Kia, Honda, Mazda, Range Rover, Land Rover, Suzuki, Mitsubishi
Motorcycles
Personal watercraft/Power boats
Travel trailers/car haulers
RVs
Police cruisers

Searching the inventories of dealers one by one and looking for individual sellers can be a time consuming process. The beauty of Zoom Magazine and www.zoomautosut.com is that they allow you to conduct your search in one place and in the comfort of your own home. The ability to do the legwork up front will allow you to focus your car search on vehicles and deals that appeal to you and make sense for you financially. Dealerships know that serious buyers read Zoom Magazine as well, and feature their most appealing cars and best deals in its pages and on their website.

Zoom began in 2009 and has grown into a well-respected company in Utahs automotive community. Best of all it is absolutely free to consumers. To advertise on Zoom simply call (866) 513-6111 or visit the companys website at www.zoomautosut.com.

Begin your car search in earnest today by putting the very best deals on the most appealing vehicles in your area front and center. Pick up a copy of this weeks Zoom Magazine for yourself, or visit the companys website for up-to-date information on vehicles of interest. There is no more effective way in the sate of Utah to buy or sell a car.

Auto Blog Blueprint 3.0 Review

Auto Blog Blueprint 3.0 is the number one auto blogging course on the market today. It is a comprehensive blueprint designed to teach you how to create successful income generating auto blogs. With over 40 detailed videos and a 16 step program, Auto Blog Blueprint leaves no stone unturned when it comes to teaching you how to create a properly SEO Optimized auto blog.

Despite the fact that Auto Blog Blueprint 3.0 is about teaching you how to create profitable auto blogs, don’t be fooled by the name as there is a lot of initial work involved in implementing the system. The goal of Auto Blog Blueprint 3.0 is to get you making up to $100,000 a year. The creator of the program states that, by following Auto Blog Blueprint 3.0, you should be able to make it to that level in as little as 6 months.

Auto Blog Blueprint 3.0 is a long term sustainable business model that takes you from start to finish of constructing an auto blog. The program also provides some tools to help make building your blogs easier and faster. Overall, this program comes highly recommended if you’d like to focus on building a handful of income generating blogs that can eventually run on auto pilot as opposed to building and focusing on a single blog where you regularly have to post unique content.

Pros

Great for all skill levels.
Will teach you how to build a solid blogging business.
Course is regularly updated.
A complete system.
Has received rave reviews.
One time payment.

Cons

You will have to do some work.
Not a get rich quick system.
You will initially need to create original content for your blog.

Who should but this product:

People who are looking for a sustainable online business model.
People who would rather run a handful of blogs instead of just one.
People who are looking for a ways to correctly automate content creation in the blogging process.

What you get with the program

Complete Step By Step Strategy Guide
Over 40 Detailed Videos
Preconfigured Auto Installer
100 Niche WordPress Themes
120 Niche Headers
Bonus Plugins

Automotive Engineering A Way To A Successful Career

One of the best courses nowadays is automotive engineering. It involves examining the operating standards of vehicles. It may also comprise of proficiency management, mechanical system, hydraulic system and electrical processes. Since the industry of automotive is quickly growing, there are several people who want to have a degree program in automotive courses.

Some of the degree programs of automotive engineering offer lots of courses in mechanical engineering and automotive design engineering. The colleges that offer this kind of course give direct application and hands-on training for an array of careers in the industry. This course specializes in the field of vehicle engineering and it can be divided into three main fields of study. The three main fields of this course are manufacturing, development and production.

Manufacturing engineers are those involved in making and building different automobiles, while development engineers are those who were involved on the different attributes of a sedan that includes speed, durability and performance. On the other hand, production engineers focus more on the design systems and components of a vehicle. It also involves designing and testing of the vehicles parts and includes coordinating tests to make sure that all automobiles meet the national standards set by the government.

Automotive engineers have several responsibilities and job description that they need to comply with after completing all their trainings. As they finished the degree program of this course, engineers can now design the cars systems and components. They also need to determine the best attributes for a specific sedan or for a future vehicle.

They also need to develop codes and standards for a well-organized manufacturing. Automotive engineers must determine the costs and implement the procedures to lessen the production costs. They are also expected to introduce and develop new strategies and systems for the production of automotives. In addition, they also need to make sure that they follow the government regulations during the process of the making a vehicle.

Aside from developing and designing, they also need to determine the drive ability of the each vehicle. They also need to implement quality procedures and control strategies. When there is a problem, they also need to solve all the troubles in automotive engineering. Lastly, they must conduct statistical analysis as required. All the graduates from this course can have several career options like vehicle manufacturing engineer, operations research, systems engineer, vehicle dynamics controller, performance engineer, noise, vibration and harshness engineer (NVH), emissions controller or research and safety engineering.

Stuck On Auto Responder

Today at lunch I noticed that I was acting with my auto responder on. Maybe you have had a similar situation where you are amazed by your actions; wondering if it really you. You seem like you- but you realize that this version of you is acting on autopilot. That was exactly what happened at lunch today while discussing the asset division of our home with my almost ex-husband. I was not being mindful. I had to stop and ask myself, Who is running the show here? Am I actively pursuing my goal or am I running on auto responder?

My goal, to have a win-win situation with my ex-husband. I want to respect our accomplishments of the past and to feel respected in this situation forward. And of course, having a fair division of our properties equity. Setting a clear goal prior to our meeting was crucial. How would I be feeling when I was accomplishing these goals? I knew I wanted to feel respect, love and a sense of fairness. Establishing how I would be feeling when these goals were met gave me a sense of internal control. I could review my feeling periodically throughout the meeting and use them as an indication of my immediate success.

The problem, I was afraid, having never been in this situation before made me feel vulnerable. Feeling vulnerable kicked in my auto responder thinking. My auto responder in this situation went something like: you know people will take advantage of you and therefore you have to fight for what you want. Feeling a loss of control was starting to dictate my behavior. I could tell I was moving further and further away from what I wanted. I was running on auto responder and that rarely gets me what I want.

Steps to achieving my goal took courage. I had to be willing to make the additional effort to insure success. I have in the past known what to do; but looked the other way because sometimes being on auto responder is easier.
Here was the fix: Turn off the auto responder! Paying attention to what was happening and how I was feeling allowed me to be at choice. Achieving my goal would take immediate intentional intervention. Regain the internal control that I knew I could have. By turning off my auto responder it allowed me to reconnect with what I really wanted: respect, love and a sense of fairness. I began to feel at choice. Ah freedom of choice, really no greater gift.

Are you on auto responder? I want to hear about it.

Email me at: today. And feel free to check out more at our website, www.ArizonaLifeCoachTraining.com

Types of Automotive Tools

No matter your area of automotive expertise or personal skill level; if you love to work on cars in your garage in your spare time, or call the business your trade; whether youre into the classic muscle cars of the sixties and seventies, or the latest auto to roll off of the assembly lines in Detroit, theres a wide array of automotive specialty tools that are the perfect fit for your tool chest.

If youre into the generalized wheel area of cars (tires and wheels), standard wheel cover tools, torque socket sets, torque extensions, wheel stud installers, tire repair kits, needles and the necessary plugs to fill the holes are just a few necessary items that you should keep handy. There are different tools specifically designed for trucks and SUVs, so if you either drive one, or plan to do work on such vehicles, careful attention to the exact uses for tools is a key element to your success.

When it comes to fuel systems and the necessary tools for service, maintenance and repair, diagnostic testers lead the pack in importance, if you dont know what the problem is, just how are you supposed to fix it. Fuel injector pulse testers and fuel injection probes are the two most popular tools in this category.

Brake bleeders and brake bleeder vacuums are just a few of the automotive tools youll need if youre involved with the wonderful world of brakes. Be sure that the brake bleeder attachment is the proper size for the vehicle that you are working on. If its not, there are different attachments available, so be sure to check your inventory before you agree to any job.

Suction cups to hold a door window in place while work is performed in and around the door area are just another tool designed to make the life of an automotive specialist a bit easier. Specialty knives and locking strip tools are also complete tasks that could be done with other tools, but why would you want to do all of that extra work when you dont need to?

Of course, just as any time youre using any type of tool, taking the proper safety precautions and wearing adequate safety gear is the most valuable part to any successful effort. A tool or automotive part car be replaced with a quick phone call or click of a mouse, but your body parts are a bit more difficult to be restore and/or replace. Always follow the manufacturers directions for use and safety for all of automotive tools.

Automotive Repair Shop Software Review – For Repair Shop Owners

Automotive repair shop software is a tool that is designed to reduce to the barest minimum of time you spend on administrative activities, so that you can actually concentrate on the job, improve business work flow and make more profits.

Advanced technology and knowledge has moved car shop management activities and control to a higher level where you can handle much more jobs, work faster, and net more profits.

You can actually move your shop from the traditional time wasting method of filing carbon copy forms, and doing everything manually to tracking all activities electronically.

Good automotive repair shop software will handle all your jobs from the beginning to the end, thus making your shop administration far less boring.

The following are the features that make this software indispensable for every car repair centers that want to really jerk up their productivity.

1. Appointment Scheduling: You can easily plan your appointments with customers ahead of the time, and get information about when customers are due to arrive for their jobs and the time you allow for them.

2. Track Work in Progress: With a simple color code you can track the status of each job and know how they are progressing.

3. Check Your Level of Profitability: You can easily determine when you are making profit or otherwise with the right color code.

4. Car Parts Sales: You can sell auto parts over the counters without the input of the full details of customers, a great time and money saver.

In the situation where you have a lot of customers to deal with, automotive repair shop software will show you who you sell what to, and all the details associated with it.

You can also get all the information you need about customers’ histories, that will help you to quickly confirm and determine important issues like refund, recalls, etc.

5. Parts Management: The software can take care of issues like inventory control, price matrix, restock invoice tracking, etc, which will help you to have total control over parts movement and prices, and minimize losses altogether.

6. Marketing Management: A great marketing tool that will help you do follow up on customers by giving you information on them and helping you to send reminders, thank you cards, appointment scheduling time, etc.

Automotive repair shop software makes all your workshop activities a breeze. It turns every complexity into a simple process that will make your job less burdensome and more profitable.

Tim Evans Auto Repair Shop Attracts Customers To Boost Business

Tim Evans immediately noticed an increase in business after embracing the idea of marketing. The biggest result is that were still in business, says Tim. A lot of shops cant say that.

Evans Tire and Automotive Center is located in a highly competitive area in Smithfield, North Carolina. Like many other shops, sales began to slip. Tim knew he needed to do something to keep his repair shop open. Tim explains, Marketing really became a priority for us and its gone over well with the community. Now were known in our area for doing a lot of unique things with our marketing strategies.

Overview
As with many auto mechanics, repairing cars has always been in Tim’s blood. He was raised with a father that was a mechanic and owned his own shop since 1972. Tim jumped on board in 1980 and then later took it over from his father. His shop currently has a 13 to 15 bay capacity.

Serving the Smithfield community for more than 30 years, this shop offers a full line of tire services and auto repair for all makes and models and also sells competitively priced tires. Tim’s shop is an American Car Care Center where customers can benefit from warranties on automotive work, flat repairs and road hazards.

Challenges
Tim was faced with the challenge of keeping his auto shop open in a highly competitive area. As other shops were closing down he connected with Ron and learned how to attract and maintain the right type of customer.

Tim needed to find customers that would require repeat business. He had to learn how to market to these potential clients to first of all keep his shop open and then secondly to expand it.

Goals
Differentiate the shop from the competition.
Decrease overhead.
Increase capital, cash flow and net profits.
Implement streamlined operational systems.

Methods
By examining buying habits and the overall financial trend of the community, Tim was able to identify his desired customer and then develop a number of strategies that would successfully reach them. Its not about having one strategy that works really well, says Tim. Its about having 100 different strategies that all work a little bit.

Tim also utilized the methods that he learned from networking with other shop owners in Ron Ipachs Elite Mastermind groups. He explains, You can learn so much from your peers. All of these people in the group bring different experiences to the table. And you can get input on your particular challenge from numerous different people its been invaluable to me.

Conclusion
I wonder if we would even be here if we had not started marketing, says Tim. Marketing is a necessary evil; youve got to be in contact with your clients. Its very competitive out there, complexity of the world as a whole; youve got to market!