Car insurance can be a sticky subject. Most times people dislike having to pay for a service they may or may not use. There are so many misconceptions about auto insurance, that it clouds your judgment and influences your decisions when buying insurance. Here are 4 rookie mistakes outlined by our experts at Leland West Insurance to avoid when buying your policy.
Mistake 1: Buying coverage based on the minimum state requirement rather than considering your needs and requirements.
While it is important to meet the state's coverage requirements, it's more important to make sure the coverage you choose adequately protects you, should you ever need it. Keep in mind that while it's important to meet your state's minimum requirements, choosing minimum coverage could leave you with additional expenses that you might not be able to afford should you ever have to make a claim. Choose a higher limit if you think you might not be able to pay for damages out of your pocket. Choose your coverage wisely. You'll be glad to you did.
Mistake 2: Buying the cheapest policy, rather than giving a thought to what you can get for the price you pay
It's always a good idea to get multiple quotes from at least 3 different vehicle insurance companies, true. But if you decide to go ahead with the cheapest quote, you might be making a mistake. Think about it- yes, it's great to get a cheap deal. Who doesn't like to save money! But car insurance is not just about finding the cheapest deal. There's so much more to consider. Do they offer 24-hour claims service? How prompt are they with following up claims? Is their service hassle-free? Do they pay for original manufacturer parts? Sometimes, you might have to pay a little extra, but for the service you get, it might well be worth the extra money, especially right after a stressful accident.
Mistake 3: Lying about your driving history on your car insurance application
Honesty is always the best policy. Especially when it comes to buying car insurance. Lying to your vehicle insurance company is never a good idea. Failure to disclose tickets, past accidents or other moving violations on your application could result in serious repercussions. For starters, your vehicle insurance company might cancel your policy or even deny your claim. Going forward, other insurance companies might view you as a high risk candidate and charge you higher rates. So, if you're thinking about lying on your policy to save a few bucks, think again. Insurance companies have a way of finding out about such things. They do check your driving history, driving records, credit rating etc, so your lie is sure to be found.
Mistake 4: Assuming your insurance provider doesn't need to be informed about life changes.
Car insurance rates depend upon a number of factors. These include your age, sex, marital status, where you live, credit and driving history etc. So if there have been recent changes in your life- relocating to a different city, marriage, divorce, retirement etc, let your insurance provider know as soon as possible.
Make a mental note to avoid these mistakes before buying your car insurance. You'll be glad you did.
Just as it is with commodities like jewelry, clothing and handbags, vintage automobiles that are in good condition are definitely expensive. Such is the case with muscle cars which first hit the market in the 1950s and some of which are still available for sale today. These cars continue to show their prowess by selling for a lot of money, so if you are interested in owning one, you better start saving now if you haven't done so already!
Back in the day, muscle cars were referred to as the most powerful fast cars on the market. They were also made with very modest weights to allow them to have the capability of excessive acceleration although they were not considered the fastest. Most of them were American two door cars with rear wheel drive capability and V8 engines. That kind of description sounds like the language used by motor racing enthusiasts, which is why it is no wonder that many people who are interested in motor racing today also have a marked interest in muscle cars made from decades ago.
Manufacturers like Dodge, Buick, Chevy, Ford and Oldsmobile all put their spin on muscle cars over the years and many of the models are available today.
Whether they are owned by individuals or held on display in museums or automobile showrooms, you can guarantee that you will pay a lot of money for a vintage muscle car. Currently surviving models are now prized possessions for people and some of them even carry prices that easily rival prices of the high value European sports cars. In fact, if you attend an auction, some of the rarest vintage muscle cars from 1965 to 1972 can easily be sold for over $500,000. This would of course depend on the model, its condition as well as the demand on that car.
In particular, in 1969 Chevrolet Camaro with the ZL1 option on is perhaps considered to be valued in the range of high value real estate or priceless pieces of art in museums.
So, although vintage cars are available for sale, you are going to have to ensure you have a lot of money saved up if you want to acquire one of your own. And if your intention is to allow it to retain its value, you are going to need to spend a lot of money maintaining it so it remains in good condition.
Do you own a classic cars? Consider Leland West Insurance for insuring your classic beauty. We at Leland West believe that a Classic can be many things. Chances are, if you love it and care for it we'll cover it.
Classic cars encompass all automobiles that satisfy certain conditions for it to be called as such. These conditions are generally vague, as people have different opinions on what may be considered classic. A car with a timeless, elegant design and powerful engine can be reasonably thought of as a classic, but all the same, rarity and demand are the biggest factors. Thus, the characteristics that determine this type of car are still hazy. That's why over the years, several groups have devised some ways to organize the seemingly ambiguous definition of these cars. While they are still unofficial, it helps to know the features common in these popular classics, and know what makes them a favorite among collectors.
The Factors that Help Define a Classic Car
- Engine - These cars are usually powered by high-performance engines. However, there are some automobiles with relatively slower engines, which are recognized as classic.
- Coachwork - Intricate coachwork is a common feature among classics.
The accessories or optional parts that go with the vehicle are also a factor. These may include clutches and power brakes.
Year the Car was Manufactured - Age is always a consideration in determining whether an automobile is a classic or not. For a certain vehicle to pass as one, it has to be manufactured around the late 1940's to 1980's. Thus, a classic car's age should be 25 years or older.
An Example Of A Few Classic Cars
Here are some of the most popular classics shortlisted by our experts at Leland West Insurance that are widely recognized by not only car aficionados, but your everyday person as well:
- Corvette - this classic sports car was the first one to come as a convertible, and while it didn't sell well at first, and had to undergo some restyling, it became an extremely popular classic among American consumers.
- Chrysler New Yorker - this was Chrysler’s most popular model and helped them forge a brand name among American car manufacturers from the late 30s well into the next several decades.
- Austin A40 - this was a popular mid-size car produced in Britain in the 50s and 60s, and was both reliable and classy looking.
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A lot of die-hard car aficionados refer to the Pontiac GTO as the original version of the true muscle car. The reason behind this is that Pontiac did not follow the big-bodied and massive makes of other manufacturers when they designed their muscle cars. This kind was intermediary in size and did not also belong to the heavy weights that curtail the power and speed of a true racing car.
In the 60s, there were the Fords, GMs and Chryslers but the Pontiac GTO quickly rose to the top as one of the premiere cars in its class. Its appearance suggested ultimate comfort and style and many other manufacturers soon found themselves using the GTO as the ultimate benchmark when designing their cars. That is why in the succeeding years, the big-bodied designs were given a total make-over.
The original Pontiac GTO was introduced in 1964 and it went through 6 generations before being retired in 1974. According to legend, the Pontiac stole the name GTO from the Ferrari 250 GTO, which was also a legendary classic car.
When Pontiac designed the Pontiac GTO, it emerged with a 389 V8 engine that had quick steering, dual exhaust and came with premium tires. After a while, the GTO added another model in its category that had a 325 bhp, single 4bbl card. With this in mind, they just projected to sell around 5,000 vehicles but ended selling close to 33,000 units!
After the final GTO was rolled off the assembly line in 1974, it was re-launched 30 years later in 2004. Pontiac had high hopes for this launch, hoping to sell upwards of 17-18,000 units, but the American consumer did not take to the new model like the manufactured had hoped. Over 40,000 GTOs were produced from 2004-06, when production ceased due to declining sales.
While the new GTOs received a lukewarm reception, the older models will always be considered true American muscle that captured both the hearts and minds of millions of Americans from a nostalgic and bygone era.
If you are just learning about muscle cars, we at Leland West Insurance suggest you start with the Pontiac GTO. This car alone has created more fans of this hobby than any other. Leland West experts suggest that you see one of these cars in person by either going to a car auction or to a car show. You truly must see one of these cars in mint condition to truly appreciate its beauty.
Buying a car is more involving and needs one to have a lot of savvy and diligence. Many car enthusiasts will argue how difficult it is to come into conclusion on buying a classic British car. There are many options to take note of before the purchase of a classic car. So, before you decide on jumping on that Ferrari or Aston Martin, think about the Beetles, minis and other classic cars which are more affordable at the end of the spectrum.
Before buying a car, there are many options that you need to put in place. You will have to focus on cars which are plentiful, cheap, have decent owners, and which has its parts readily available. There are plenty of classic British cars in the market thus don't lose hope thinking you will never drive a classic car.
In this article, our experts at Leland West Insurance have come up with great classics for the car enthusiast and other possibilities to choose. Here are some tips by our experts at Leland West Insurance to help you when purchasing a classic British car.
When choosing your classic car, it is important to go with something you can insure and most preferably the one that can be insured with a classic car policy. Having your car insured is important as it covers your expenses in the occurrence of vehicle damage. Insurance also covers injuries to passengers, drivers, and pedestrians.
Your budget will always dictate your say. It is important to understand that when choosing the car drive you envy; their pricing must go along with your budget. However, there are all sorts of cars types available within a particular price band. It is necessary to work out if you want something practical, sporty, fun, mainstream, family car or even off the beat.
Old is gold, yeah they said! But when it comes to the cars engines, it is important to understand that age of the car is always critical. You need to narrow down your field working on what age your vehicle should be. Many classic designs which were modeled long ago are still preferred by many. Newer models developed in the '80s and '90s are still usable in the modern market. If your car of choice will be your daily transport, it is important to go with something frugal and reasonably practical.
Luxury is a source of comfort, but to others, they just want a ride which is offbeat, cheap but still comfortable. No one can ever beat the buzz of riding a convertible on a sunny day. For many young risers, they only want to ride a cheap classic open top vehicle to satisfy their comfort. A car you are more comfortable with will always define you. Be proud of what you have and choose a comfortable car to ride.
Buying a classic British car whether online or in person is an involving process. These tips are the general view that will help you when purchasing a car especially if you are focusing on older vehicles. These tips will help and safeguard you against making an impulse buying which can lead to a major mistake.
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