New Auto Parts Vs Used Auto Parts

If you have ever put used auto parts on your vehicle, you might have stood in front of two rusty car parts trying to remember which one you just purchased, because they both look rusty and worn out. Certain auto parts are absolutely fine to purchase used, and in some cases may be your only option. There are a variety of parts that are considered regular wear auto parts and should not typically be purchased used.

Struts and Strut Assembly do not get these auto parts used. Once you have a strut is separated from its assembly you can test that strut. You should be able to depress and extend that strut, all the while, feeling a uniform pressure. Being able to do this demonstrates a strut works without load, however being able to tell how long that strut is going to operate is mostly a guess. Buying a used complete strut assembly, on the other hand, is even more of a guessing game. A junk yard will have these things removed from various vehicles, and they are often of unknown or fictitious mileage; and of course you aren’t able to test the strut when the spring has not been removed from the assembly.

Brake Rotors and Brake Pads are probably the most common automobile wear car parts. They can usually be purchased cheap enough that it is simply not worth your time installing a used set. Each brake pad has worn grooves into each side of the rotor and after that brake pad to brake rotor seat has been made, you don’t want to change any relative positions. Since brake rotors will rust almost instantly after they have sat for any period of time, it is very rare that anyone would be interested in installing these brake components used.

Hub Bearings and Hub Assemblies are another thing that is completely pointless to purchase used. You are either spending your own time installing the hub bearing, or paying a mechanic to install the hub bearing that may fail at any time. Time and mileage are both contributing factors to the failure of a hub bearing. It is difficult to tell if a hub bearing is OK before installing it, and virtually impossible to tell how long it will last. The longer the hub bearing has sat the more chances there are for that hub assembly to fail.

Alternators are another guessing game. A used one may last another 10 year… or not. The lifespan of a used alternator depends on a lot of factors. Mileage, age, how long it has been sitting, and how much corrosion it has built up. Are you willing to put up with a failed alternator? Will you install it yourself? Are you getting a great deal on it? Is a new alternative too expensive? These are all valid considerations; the issue is the unknown reliability of a used car part like this.

There are many Auto Parts stores specializing in the sale of these basic maintenance car parts. As the competition gets fiercer the prices on these basic maintenance auto parts get closer and closer to the price that a lot of junk yards are asking for used auto parts. We are currently seeing some of the cheapest replacement auto parts that are available for a wide selection of cars and these car parts are brand new. This has been the result of a variety of automotive distribution centers that are avoiding costly overhead and advertising costs associated with developing a brand and maintaining retail outlets.

When replacing auto parts on your car, generally, you want to use new auto parts, especially when it comes to basic wear parts.

Shane White has over 30 years’ hands on experience in the Auto Repair and Aftermarket Auto Parts industry. As a fully licensed mechanic Shane ran a successful garage for over 10 years. Over the past 9 years Shane has focused on the managerial side of the Auto Repair and Replacement Auto Parts industry. Currently Shane is Vice President Operations with Prime Choice Auto Parts http://www.primechoiceautoparts.com, a Factory Direct to consumer, online store, specializing in High Quality – High Value Aftermarket Auto Parts like Hub Bearing Assemblies, Complete Strut Assemblies, Brake Parts, Car Starter Motors and Alternators for all makes and models.

Article Source: http://EzineArticles.com/expert/Shane_White/632762

 

Second Chance Auto Loans

Second Chance Auto Loans Online

In years past, if you had bad credit, a bankruptcy, or repossession in your credit history, it was virtually impossible to apply for auto loans through automobile dealerships or even directly through the auto finance firm; the answer was almost invariably “no”. This created an uncomfortable and embarrassing experience for many people that found the car that they wanted at a dealership, only to be turned away. With the advent of the Internet, giving consumer’s ability to search for an online auto loan, automobile dealerships and auto loan finance companies now have to compete much more vigorously to get a consumer’s attention, let alone their business; today, it is a borrower’s market. As a result, second chance auto loans and other online auto loan products have become readily available to consumers looking to apply for auto loans online to purchase new or used cars, regardless of their credit history.

All Second Chance Auto Loans are Not Created Equal

Although automotive dealerships and auto finance companies are currently operating in a highly competitive “get every buyer that they can”; type of environment, not everybody applying for second chance auto loans will be in the same boat. One important thing to remember is that automotive dealerships and lender’s will consider you and your vehicle loan in regards to how much risk that they feel you represent as a borrower (i.e. what is the chance that you will make your car payments on time and completely?) This assessment of risk is based upon a formula, unique to each dealership or lender, that is calculated using facts about you that you provide, facts about you available through the credit reporting agencies, your income, and other factors. Some negative factors that might be considered when you apply for auto loans are:

• How long ago was the last negative entry on your credit report?

• Do you have accounts that are currently in arrears or in default?

• Have you had a car repossessed in the past few years?

• Are you currently in bankruptcy, or has your bankruptcy been discharged?

• How low is your credit score?

• What is the ratio of how much credit that is available to you (e.g. credit cards and open loans) as compared to your debt?

That being said, there still are factors that can mitigate an automotive dealership or lender’s risk to positively influence the outcome of your application:

• Do you have money for a down payment available? Even if a down payment is not required, making one can be a smart thing to do. The down payment can be a smaller token amount, like $250 or $500. This will let the dealership or lender know that you mean business and that you are more likely to make your payments in a timely manner, as you now both have a stake in the vehicle. Still and all, it makes great sense for you to make as large of a down payment as you can afford. Doing so will give the dealership or lender confidence in you, and it will give you the ability to negotiate a better interest rate.

• Is there someone that you know with a good credit history that would be willing to cosign on your online auto finance application? A cosigner with good credit, usually a family member or close friend, would immediately put you into a better loan with better terms and a lower interest rate.

• What is your income? Obviously, the higher your income, the better that the dealership or lender will feel about approving your auto loan.

Note, see also our recent article “How to Get Approved for an Auto Loan with Bad Credit if you have Low Income”; for more information.

• What is the ratio of your rent or mortgage payment as compared to your gross income? A scarcely known fact is that automotive lenders and dealers pay close attention to this figure. For example, if you make $1,500 per month income, and your monthly rent or mortgage payment is $500, then your housing cost takes 30% of your monthly income. Anything beyond 40% or so will send a warning to the lender or dealer and they might need to be convinced that you will be able to make your monthly car loan payments on time. Take this into consideration when you fill out your auto finance application.

As we said before, because of the extreme competition in today’s auto loan finance market, there are second chance auto loans available for almost anyone that applies for an online auto loans. The factors above can have a profound effect on your interest rate, monthly payment amount, and the duration of the loan, as well as on any additional requirements that the dealer or lender may have of you in order to approve the loan.

Article Source: http://EzineArticles.com/expert/Mabia_Williams/153814

 

Auto-Responders, What Are They and Which One Do I Choose?

In this article we will be looking at auto-responders – what they are, and what they do. Then we will look at the advantages and disadvantages of some popular auto-responders.

An auto-responder is a service which manages your email list for you. They look after the technical side of things when subscribers opt-in to your list. They also make it really easy for you to contact large numbers of prospects, customers, and affiliates effortlessly. Many auto-responders track stats such as sign up rates, click-through-rates (CTR’s) and email open rates.

You can use an auto-responder to create email lists, manage member subscriptions, avoid spam complaints (with a double opt-in arrangement) and allow you to test and track email campaigns. One of the best ways to keep in touch with customers and prospects is with an auto-responder. If you are not collecting email addresses through an auto-responder email service, then you could be wasting money and making more work for yourself…. let your auto-responder do it, that’s what it’s for!

An auto-responder is the backbone of your email campaigns. With an auto-responder you can email just one person or use a list-mailer to contact a multitude of contacts – and you can’t do that from Yahoo or AOL. Once you get your auto-responder email steps set up, and the sending frequency and groups to receive the emails, it all happens pretty much automatically. It’s basically set-and-forget except for tweaking some things occasionally.

An auto-responder is one of the most important parts of your online business and you will need one sooner rather than later. It is possible to build and maintain a list without an auto-responder, it would however be a monumentally difficult task and bordering on impossible when your list reaches a large size.

What can you do with an auto-responder?

Send emails and replies,
List-mailing,
Sales letters,
Thank you notes,
Adding and moving prospects between different groups, plans and lists.

There are both free and paid auto-responders and email management applications available. I do not recommend free auto-responders however, the service provider may put a lot of ads on emails that you send out to your customers. This is the price you pay for a free service. If you must go for a free auto-responder, I suggest trying FreeAutobot. It allows unlimited follow-up emails, does not place advertising on your emails and is 100% free. In time you will want to go with a paid auto-responder service, just for the benefit of additional features.

Lets look at a few auto-responders and compare features:

The number one (according to market research) is Aweber. Awebers’ main rival is GetResponse. Oprius is another good auto-responder, however it doesn’t seem to have the same following as the previous two examples. Although Oprius doesn’t get the attention that other email management services do, it is a great service. It has many of the features found in Aweber and GetResponse, with a few others thrown in and is very intuitive and easy to use.

Some Strengths of Aweber are:

* Full reporting suite for email campaigns and email delivery.
* Monthly fee is around $19.00). This is based on the number of subscribers that you have and increases
with subscriber numbers.
* Free customer service and free phone support.
* Unlimited free email campaigns and message length.
* Unlimited auto-responders and unlimited follow-up messages.
* Personalized emails. Save up to 25 fields of custom data with each lead.
* Automatic processing of subscribe and un-subscribe requests.
* Send messages automatically at specified date and time.
* Keep tracking features and advanced statistics.
* Send email attachments.
* Free training videos to access and use to set up your accounts.
* You can take the AWeber “test-drive” to see if it suits you.

GetResponse features are as follows:

* Closely resembling AWeber, but a little easier on the wallet (especially for large lists).
* GetResponse allows subscriptions through email, but blocks many co-registration services.
* You can create a custom thank you page when leads confirm opt-in.
* There are a dozen or so email templates for email bodies, ie, sales, newsletters, product support, etc.
* You can add your own logos to customise your pages.
* Unlimited follow-up emails automatically sent, based on your mailing schedule.
* Unlimited email message length.
* Unlimited broadcast emails to your list.
* Send newsletters to your subscribers.
* Customised remove or un-subscribe page.
* Redirect subscribers to a confirm page on your site.
* html message conversion to plain text for non-html email software.
* Import or export your mailing list database.

Oprius features are as follows:

* Competitive pricing – $15 per month fixed price (does not increase for large lists).
* No limit to the number of subscribers you can have, or emails you send.
* Try it free for 30 days.
* Create opt-in widgets to add to your site or blog.
* Calendar – add one off or recurring appointments and tasks for each day, week or month.
* Task organiser.
* Phone assistant.
* Contact list management.
* Relationship builder.
* Free training videos for each area.
* Free support.
* Create landing pages.
* Notepad feature – handy for jotting notes while calling contacts.
* Follow-up alerts.
* Create custom thank you pages.
* Unlimited number of auto-responder email steps.
* Ability to redirect subscribers to a particular web site or blog page (i.e. confirmation page).
* Edit emails in html or plain text.
* Import contact list from PC or Mac, some web sites, or excel/CSV file.
* Export contact list to an Oprius account, PC or Mac, or some web sites.
* Unlimited number of email campaigns.
* Save up to 16 fields of data for each lead.
* Automatic processing of subscribe/un-subscribe.
* Ability to send email attachments.

The above examples are all paid services, for a free service try FreeAutobot, as described earlier. Remember to add one new and extra thing each day (if possible) to your marketing to increase your list. If you do this, after the first month you should have around 30 different processes working for you.

Shane Lawrence is an Internet Network Marketer.

Shane created his Renegade Rescue web site [http://mlmsecurity.com/renegade-rescue] and Renegade Rescue blog to guide network marketers in generating cash flow quickly while also building their contact list.

If you are a begining network marketer, or you are looking for ways to build a contact list, you can download the Instant Listbuilder E-book [http://mlmsecurity.com/listbuilder/].

The Instant Listbuilder PDF describes how to generate 100+ leads daily for free.

Article Source: http://EzineArticles.com/expert/Shane_Lawrence/338934

 

Protect Your Business With Hired or Non-Owned Auto Insurance Coverage

For many small businesses, “the office” is wherever the work is. And that, of course, requires travel – often, by car. Whether you and your employees drive your own vehicles, your business has company cars, or you rent a car to get around, knowing what kind of commercial auto insurance you need to protect your business can be tricky.

In addition to personal vehicle insurance and rental car insurance available from a rental car agency, there are two other types of automobile insurance you should know about: hired auto and non-owned auto coverages. Both can be added as endorsements on your general liability insurance policy.

Hired Auto Insurance Coverage

When you, the employer, or one of your employees has an accident in a rental car, three different insurance policies can potentially come into play. First, the driver’s own auto liability coverage still applies, just as if he or she were driving her own car. So, if there’s an accident, the employee is personally liable for injuries or property damage to other parties.

The driver may also have hired car physical damage coverage as part of his or her own personal auto insurance policy, which would cover any physical damage to a rental car. Be careful, though, as some “comprehensive” and most “limited” personal auto insurance policies don’t include hired car coverage.

Second, there’s the rental car agency’s physical damage coverage and liability coverage that you are offered at the time of rental.

And third, there’s hired automobile coverage – an additional coverage that either supplements or replaces a car rental agency’s liability coverage, by protecting your company in the event of a lawsuit resulting from an accident.

Because hired auto insurance only covers liability to your company – not physical damage – it’s always a good idea to be sure the driver has hired car physical damage coverage as part of his or her own policy, or to purchase the rental agency’s physical damage coverage whenever you or an employee rents a car.

Non-Owned Auto Insurance Coverage

If you and your employees typically drive for business purposes using personal vehicles, you’ll want to know about non-owned auto coverage. This type of insurance protects your company against lawsuits that may arise when one of your employees has an auto accident while driving a personal vehicle on company business.

As with hired auto coverage, the driver’s personal liability insurance still applies if the driver himself is sued, and the driver’s personal auto property damage insurance should cover any physical damage resulting from an accident. What non-owned auto coverage does is protect your business if the other party involved in the accident decides to sue your company.

Do I Need It?

To protect themselves against any liability resulting from an auto accident caused by the or one of your employees while working on a client project, some clients may require your business to carry auto liability coverage. Typically, such coverage is required in contracts with language such as: “Contractor shall carry bodily injury, property damage, and automobile contractual liability coverage for owned, hired and non-owned autos with a combined single limit of liability for each accident of not less than $1,000,000.”

But even if your clients don’t require it, hired and non-owned auto coverage may be a smart investment. If an employee of your company has an auto accident in their own vehicle or in a rented vehicle while on company business, and their personal insurance is not enough to cover the claim, your company can be held responsible for the excess amount. And of course, there’s always the risk that your company itself will be sued.

While the cost of these types of claims can be very high, the cost of protecting your business against them with hired and/or non-owned auto insurance is very low – usually less than $150 per year.

Jim Cochran is the Owner of TechInsurance, an online resource for hired auto insurance quotes. Jim also helps IT Companies and contractors get the best Professional Liability Insurance Quotes from top rated carriers.

Article Source: http://EzineArticles.com/expert/James_Cochran/130975

 

Reference of Auto Transport Terminology

In general the glossary of auto transport term is a partial list of terms used in auto transportation and with the help of this glossary you will be able to know more information about shipment. This glossary will also help you to make correct decision in terms of transporting your vehicle to its destination. So, let us find out some glossaries used by auto transporters.

  1. Auto rack: Auto rack is special kind of multi level rail car that is used for the purpose of transporting vehicles. Generally auto rack possesses 2 to 3 decks and they can carry about 20 cars at a time. This specially designed car possesses end doors and metal side panels in order to safeguard the vehicles while transporting. To transport SUVs and trucks dual deck or bi-level auto rack is used, on the other hand to transit small cars triple deck or tri-level auto rack is used. It is estimated that train with seventy auto racks can transit about thousands of vehicles at a time.
  2. Auto Transport: To move or ship your vehicles as fright. Auto transporters are encouraged to seek out financially strong, fully insured, and reputable car hauler. The upcoming smart and customer focused vehicle transport companies are making the nationwide auto transport more affordable and convenient.
  3. Car Hauler/Carrier: Car hauler or a car carrier is a company that offers vehicle transport facility which on the other hand also known as physical transport of a car.
  4. Vehicle transport equipment/ car carrier: It is a special kind of semi-trailer that is generally used to transit nine vehicles at one go. Some of this trailer is operated by hydraulically ramps. In this trailer every vehicle is tied and blocked properly so that it can be transit safely without getting any damages and dents. Usually the huge vehicles are transit on the upper deck of the trailer and cars which are not too heavy are transit in the lower deck of the trailer.
  5. Enclosed auto transport: This is type of transporting car where your car is totally secured from wind, rain, storm etc. If you have expensive car then it is recommended that you should prefer to use this option to transit your car because it protect your can from hazards, road debris, and weather.
  6. Local Move: It is a term used by the auto transporter when the pickup and delivery of you car is done by the same carrier and when the distance of your destination is within 200 miles then it is known as local move.
  7. Delivery Network: It is type of network in which ships, railroads, trucks utilized to transit your cars is connected. The car shippers who transport your car to your new destination possess a powerful delivery network that offers efficient car shipment to meet the requirements of the customers in terms of cost and time.

Shawn A. Robertson is a skilled author on car transport and auto transport. He has written a number of articles like enclosed auto transport and car shipping, and auto movers.

American Auto Movers Inc.

Article Source: http://EzineArticles.com/expert/Shawn_A_Robertson/684886