Car Insurance Rates Guide

This is post two of two in a series about understanding what a lemon law is and how you can pursue litigation if necessary.

So, what steps should I take if in fact I qualify under my state’s lemon laws? Some general steps might include first attempting to resolve the situation with the dealer or party who sold you the vehicle. Next you might want to contact the manufacturer or its representative directly. Make sure if you contact them by mail you send it certified so you’ll have records of all your dealings. Keep detailed paperwork of everything you do. The next step would probably be to pursue arbitration. Typically you can pursue arbitration if you meet the following requirements:

• The specific problem is covered by the manufacturer’s warranty
• You have notified the manufacturer directly about the problem
• The problem substantially impairs the use, value, or safety of your vehicle
• The problem has not been satisfactorily repaired
• The manufacturer has an arbitration program

Pursuing lemon laws can be arduous if not handled properly. That’s why it’s important to ask as many questions as you can. The laws after all are designed to protect the consumer. Quite often, your state attorney general will have a government website detailing what is and isn’t covered under their lemon law and what action you can take as a consumer. It’s very important that you act fast though if you feel like you’re in the middle of a potential case because all lemon laws come with their own time and mileage limitations.

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This is post one of two in a series about understanding what a lemon law is and steps you can take if you qualify.

So…what exactly is an automobile “lemon law”? These are laws designed to protect consumers and allow them to get a refund or a similar replacement automobile when their car initially turns out to be much less than expected or advertised. The general definition goes something like this: A lemon is a car that doesn’t operate reasonably within the period in which it has been owned.

Questions that come up often include “do lemon laws cover used cars” and “do lemon laws cover leased cars”? The fact is, most lemon law details depend on the state you live in. Your best order of business when it comes to lemon laws is to contact your state attorney general’s office first and ask a lot of questions. Here are a few you might begin with…

• What’s the maximum miles and/or number of years allowed from date of purchase?
• Is there a maximum price allowed per vehicle?
• Are motorcycles and off-road vehicles covered?
• Are only certain parts of the vehicle covered?
• Are private sales covered?
• Are used cars covered?
• Are leased cars covered?
• Are cars purchased at auctions covered?
• Can a dealership limit your lemon law coverage?
• How is the lemon law warranty transferred?

More to come in our next enrty…

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This is post two of two in a series about how specific car features can affect how much you pay for auto insurance.

Cheaper Cars
Yes, you probably want to get that great looking sports car or that luxury sedan, because you know how good you’ll look behind the wheel. But what won’t look great is how much you’ll be shelling out for car insurance. The more expensive your car is, the more you can expect to pay on your car insurance. It’s clearly logical but too often, people don’t think about how much it’s going to hit them in the pocket book when they buy an expensive automobile. It’s like buying a house without considering how much you’ll be paying for property taxes. Not only will a cheaper car be less expensive for you to purchase, but you will also be able to save hundreds each year on your car insurance as well.

Safety Features
The safety features that are included in your car are also very important when it comes to your car insurance rates. If your car is older and has few safety features, it may cost you on your insurance premium. Having front passenger and driver airbags can result in you getting a great discount on your car insurance as well as having an ABS braking system. Side airbags in your car can give you even more discounts and help you to get better car insurance rates. Alarm systems or theft deterrent systems can will help lower your rates. Insurance companies realize that the safety features in your car can help keep you safe even if you are in a car accident, and they will probably have to pay less money on a claim if you happen to be in an accident, so accodingly, they offer better rates.

Remember, what type of car you drive plays an important part in the amount you pay for car insurance. If you are looking to keep your rates low, then consider purchasing a car that will get you the very best car insurance rates possible.

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This is post one of two in a series about how specific car features can affect how much you pay for auto insurance.

Almost everyone is looking for ways that they can save money, and one place where many would enjoy cutting costs is on their car insurance rates. Car insurance can get pretty pricey, and believe it or not, specific car features actually play a very important role in determining the car insurance rates you get. If your rates are extremely high, then you may want to consider selling the car you have and investing in a different, more insurance-friendly vehicle. Here are some features that will affect how much you pay…

Cars with Smaller Engines
If you want to get low rate car insurance, then you may want a car with a smaller engine. Some insurance companies offer lower insurance rates for those who have a car with smaller, 4-cylinder engines. If you have a sports car with a large engine or a four wheel drive vehicle, chances are you will be paying quite a bit more for insurance. Just choosing a car that has a little less pop can not only save you money at the gas tank, it can end up saving you in insurance as well.

Forget Red
Many people, especially women, are drawn to red cars. But if you own a red car, you might see the effects on your insurance rates. While many people are oblivious to it, the color of your car can actually play an important role in your car insurance rates, and a red car is one of the worst colors to have. Studies have shown that red cars are in more accidents that other colors and also “attract” more tickets. Choosing a car that is black, gray, green, or blue, more conservative colors, can help to keep your rates low.

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