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What is auto insurance?

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage:

Property coverage pays for damage to or theft of your car. Liability coverage pays for your legal responsibility to others for bodily injury or property damage. Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements. Most auto policies are for six months to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.

check out this site http://www.thehartford.com/auto-insurance/affordable-auto-insurance

Car Roof Bars & Choices

We are leaders in the industry of aftermarket car accessories and we've focused greatly on giving customers the perfect accessories for their cars. In particular, we've guided so many of our customers to choosing the perfect roof bars for their vehicles. 

Here's the information you need before getting your cars roof bars.

Vehicle types and materials

Our car roof bars are made of either aluminum or steel. Steel bars are the much cheaper option, but you can get more benefits if you go for aluminum bars. Aluminum roof bars are the sturdier type and they can give more savings when it comes to fuel consumption and decreasing your mileage. You may also consider our rain gutter offerings.

Our roof bars support many car brands and models including roof bars to fit Honda, Volvo, Toyota, Citroen and Mitsubishi. Car types should be caravans, cars and 4x4 vehicles.

Considerations when choosing a roof bar

When shopping with us, take note of the high quality of our products. Our roof bars for instance are sourced only from excellent suppliers known to have the best reputation in the industry.

How do you know that a roof bar is good for your car?

  • The roof bar is light but is able to handle big loads.
  • The material is durable.
  • It will not rust easily when exposed to elements.
  • It has the right height. If you have to park your car in an underground basement, will the combined heights of the bar and the load present any problem?
  •  Installing the roof bars will not damage your cars painting. Is it easy to install and take it off?

Rail types and materials

We'll be happy to guide you through the process. Please be informed that there are rail types to consider. You need to check first the attachment type on the top of your car.

  • Raised rails  This type is the 'hanging' type. There's a gap between the rails and the car roof.
  • Fixed point - There are particular points where the bars will be attached.
  • Solid rails - The same as the raised. The only difference is that the rails are touching the roof rather than hanging above it.

If your car is one of the older models, please look at our rain gutter options. We also have the type where the bars are connected to the doorjamb instead.

Tips

  • If your roof bars tend to produce sounds when the car is driven, you can lessen the noise by adjusting the fitting or consider tying a rope around them. This will lessen the annoying sound.
  • Put a little amount of oil on the attachment points. It will make removing the bars off the car much easier.

Gas Powered Vehicles In The Courier Industry

While there are major car manufacturers out there making hybrid and electric vehicles, gas powered vehicles are ever present on the UK roads. Environmental activists see the number of gas powered vehicles on the UK roads a problem because gasoline is a fossil fuel with limited supplies that produces harmful emissions when it is burned. Just like owning any type of car, driving a gas powered vehicle will have its benefits and drawbacks. Hybrid and electric vehicles are what is new right now however, even though there is a large number of these vehicles on the roads, gas powered vehicles appear to be the king of the road. One of the major benefits people like gas powered vehicles is they are environmental friendly. Gas powered vehicles have been around the UK streets for a very long time and below is a list of the benefits and drawbacks to the courier industry.

Pros of gas powered vehicles

1. It is cost effective

Gas powered vehicles are considered cheaper than hybrid and electric vehicles because for manufacturers to put out hybrid vehicles for example, plenty of research and development needs to be done which costs plenty of money. When a gas powered vehicle breaks down, it can easily be fixed by someone with a good knowledge of cars at a very affordable price while hybrid cars and electric vehicles need to be taken to a specialist.

2. Gas powered vehicles cover wider distances

What makes gas powered vehicles different from others is the distance which they can travel. Gas powered vehicles will always travel longer distances for example, a 20 gallon gas tank on a vehicle has an average fuel economy of 20 miles per gallon. This means gas powered vehicles can travel up to 400 miles before being refuelled.

3. Gas powered vehicles have greater raw power

When compared to hybrid vehicles, gas powered vehicles can become very powerful when one customises them for fuel efficiency. Doing so gives the vehicle more horsepower on the roads which many drivers like.

Cons of gas powered vehicles

1. Pollution

Due to rising temperatures caused by global warming, the world is putting plenty of emphasis on reducing chemicals that harm the ozone layer. This has led to many manufacturers redefining the way their cars operate by making them environmental friendly as most gas powered vehicles are known to harm the environment.

2. Health hazard

Gas powered vehicles do not only harm the environment as mentioned above, they also cause a serious health risk to people too. When people are filling up the tank, they are exposed to gas and worse things can happen if there is gas leak in the engine. High levels of chemical taken in from gas can cause cancer and inhaling the fumes can lead to dizziness, headaches, breathing problems and confusion.

With Commercial Truck Insurance, You Need Diverse Policies For Different Drivers

There are many factors to consider when shopping for commercial truck insurance. The type of insurance policy you need is determined by the type of industry you work in and your employment status. Trucking is a highly diverse industry which is why truck insurance comes in many forms. This allows a commercial truck insurance company to meet the needs of different truckers by providing the coverage they need based on common safety regulations and local laws.

Trucking companies may handle one specific type of cargo, such as liquid chemicals, building materials or refrigerated produce, for instance. Some companies haul several different types of general freight. There are also a few different types of specialized trucks, including tow trucks, construction vehicles, and dump trucks. These vehicles do not haul any cargo.

Each one of these subcategories of commercial trucking needs to have their own coverage amounts for financial responsibility in case of an accident and to meet with regulations. Regulations, laws and the cost of damage, may make separate or specialized insurance policies a necessity. Here are a few examples of specialized coverage options.

Building Material Hauler Insurance

A construction vehicle may haul building materials to and from work sites. This type of truck may require cargo insurance and truck liability insurance. Typically, the motor carriers working in construction may need a building materials haulers insurance policy for their non-cargo vehicles.

Produce Haulers Insurance

This coverage is for refrigerated trucks that haul perishable foods. The food industry has a large number of commercial trucks on the road every day. These trucks need a blend of physical damage commercial insurance and liability insurance, to cover damage, spoilage, and damage to refrigeration equipment.

Tow Truck Insurance

Tow trucks need liability insurance to cover damages to the vehicles being towed. They also need selectable coverage clauses and liability insurance for the tow truck itself. These types of policies are based on the frequency of use and the capacity the tow truck was used in. Read more information about tow truck insurance cost from here: http://www.buriedcar.com/tow-truck-insurance-cost/

Commercial coverage is not just for major corporations, Individuals also need this type of insurance, although their policies vary greatly from the policies purchased for large motor carriers that have fleets of trucks and dozens of employees.

Motor carriers must provide their drivers with adequate injury, liability, and physical damage coverage. They also need to protect their assets, such as their cargo, trailers, and trucks. The assets need to be protected against vandalism, theft, and damage.

General Liability and General Freight Insurance

These are two forms of commercial truck insurance. They are the basic coverage options for motor carriers. General liability insurance covers your business in the event harm or damage occurs during day-to-day business operation. General freight is a blanket insurance policy that covers all lines of cargo.

Independent haulers need to protect their trucks with physical damage insurance. They also need to maintain some forms of liability coverage when they are not actively employed or are contracted by a large company. Typically, a motor carrier will bear the financial responsibility for an independent driver under commission. This type of policy is called bobtail insurance. This is a good option for an independent hauler who wants to stay covered when theyre not on the job.

Is A Wheel Alignment Check In Order?

When it comes to car maintenance, the process of wheel alignment is something that drivers should never ignore. When it comes to a cars wheels, their number one enemy is any bad road.

When roads are poorly maintained, cars experience more pressure and need to make an extra effort to successfully drive over them. The alignment of the wheels can be affected by this, more so when there are bumps or pot holes on the street.

A sudden jolt due to a pot hole can easily cause misalignment which does not only lead to tire issues but other costly problems with the vehicle itself. It is always best to have a wheel alignment check every five to six thousand miles. Doing so will save you from a ton of trouble, and cost, later on.

Trustworthy companies like streetwheelsandtyres.com.au offer wheel alignment services at reasonable rates. This process makes sure that drivers benefit from the optimal drivability of their cars.

Aside from helping tires last longer, the vehicle itself drives smoother offering a far better ride. This is because when the wheels are properly aligned, they point at the right direction at all times.

All vehicles fresh from the assembly line have been manufactured with preset angles for the tires. A wheel alignment check is always cheaper than having to constantly replace car tires or sending it in for repairs due to poor handling.

Aside from bad roads, bad tires can also cause shifts in the wheels alignment. This is why it is always recommended that wheels be purchased in fours, if not, at least in twos.

Especially in the rear part of the vehicle, something as simple as an excess of weight in the trunk can lead to a misalignment so it is also important for car owners to be aware of the extra weight they place onto the vehicle.

There are several warning signs that can signal drivers to bring their vehicles in for a wheel alignment service including heavy wear and tear on the tires especially when the car is only being driven around the city. When the vehicle starts veering off to the left or right, this is another possible sign.

A crooked steering wheel when a driver is driving straight is also a good indication of wheel misalignment and so are squealing tires. This is because of the pressure and friction abnormalities the tires are being exposed to.

The Benefits Of Booking A Party Bus

When it comes down to getting around the city, no ride is more comfortable, enjoyable and entertaining than a party bus in Atlanta. Its basically an amped up limo thats complete with classy leather seats, sound and light systems, a plasma TV, a wet bar and a dance floor. Inside, youll be able to turn any mundane or predictable road travel into a unique and exciting experience!

Lets get a breakdown of all the pluses you can expect when aboard one of these fancy yet hip modern-day vehicles:

1. Its one sure way of impressing your buddies or dates! Imagine the awe in their faces when they head out of the house and see you standing next to some swanky ride thats made for partying inside. Theyll appreciate the convenience youve provided on the way to your event or hangout.

2. Its meant for the bigger numbers! Party buses in Atlanta can accommodate lots and lots of people. The actual number depends on the size of the vehicle (as there are multiple sizes). Take note of these sizes when planning your next group night out clubbing, bachelor/bachelorette party, birthday bash, concert or sporting event to attend. Another point to keep in mind: a booking is considerably affordable if the cost gets divided equally per pax. More means less!

3. Forget assigning a designated driver! When hopping aboard a party bus, your hired drivers in charge of all the driving. Professional chauffeurs are both licensed and insured for whenever theyre on duty. Theyre completely trustworthy and responsible, knowing not to consume any alcohol even if clients offer them. In turn, you all can have an equally good time partying without any worries of accidents or DUIs.

4. Get the most out of different venues in town over one day or night! Atlantas vibrant nightspots and attractions will be a whole lot more exciting to check out, one after another. You wont have to worry about parking, parking fees, addresses, directions or gasoline. The driver will handle all those things when necessary, while all you have to do is chill out with your group, enjoy the sights and pick the next stop.

5. Your driver is reliable and flexible! Your hired chauffeur will make sure to pick you up at your front door and take you to your desired destinations. It doesnt matter how many places in the city you plan on heading, as long as youve booked the time. Its not a problem if you decide to overstay or leave an area early. By contacting him through phone call or text, hell be ready to fetch you straight away.

6. Youll be safe inside and when getting home! Our drivers make your safety the number-one priority. Theyre experienced enough to handle clients in a drunken state and assist them in getting through the door when necessary.

7. Feel like a genuine VIP! You can forget about having to stand and wait. Just skip those endless lines to clubs or bars. Most party bus services provide you and your buddies VIP entry to some of the hottest club scenes. And dont underestimate it youll be sure to experience true VIP treatment as soon as you set foot inside the bus!

Personal Hovercraft - To Buy A Kit Or Build From Diy Plans

It has to be said from the outset that diy hovercraft plans don't have a great reputation on the internet, but before going any further we should differentiate between what we mean by diy hovercraft and hovercraft kits. A kit normally includes everything you need, or mostly, together with a set of plans to showing you step by step how to construct the craft. You shouldn't have to provide extra materials, as everything is provided - it's important to check the contents on arrival to make sure nothing is missing, by the way. The do it yourself option may just include the plans, with you having to provide all the equipment yourself. Both options have pros and cons - where to find hovercraft.

All ready made hovercraft for sale have gone through rigorous quality control, so you can be sure that it's as safe as it can be, but this may not be the case with the other two options. For example, even you are proved with all the correct materials, the construction process is in your hands, and the documentation will surely have a short clause somewhere in the fine print pointing out that the ACV safety is your responsibility. the good thing here is that the materials provided will be suited for their function, so you don't have measure, cut or guess if a certain material is strong enough, or flexible enough for the job.



With a do it yourself kit, not only do you have to build according to someone else's plans, but you have to get you own materials, even down to the engine. It's true that this choice really does reduce the hovercraft cost, but if you are on budget there is always the temptation to skip a little and use material that is not quite up to the job. For this reason, DIY kit plans will also have a clause stating very clearly that the success of the project, and the safety of the finished product is in your hands only - in short, it depends upon building the thing exactly as instructed and using materials that fit the specifications precisely.

After all it may be so much easier to by a personal hovercraft, but the big thing is the cost. A ready made craft will cost anywhere between $5000 and $14000, while a DIY kit costs in the region of $2000. By far the cheapest (and most difficult) options is to build it from the ground up using professional plans. If you are short of money, have a workshop and are useful with cars and machines, then this choice may well fit the bill.

What Exactly Is A Marine Battery?

If you have a vehicle, you know that you have a battery under the hood that is used to get your car started. It actually provides the electricity that is necessary for the spark plugs in order to ignite the engine. Once the motor is running, the battery is no longer needed, and can be recharged once the alternator start spinning. The same is true for batteries that are used in boats. This type of battery is called a lead acid battery, a type of battery that is rechargeable and was invented back in the 1800s. They are very inexpensive, and have an energy to weight ratio that is extremely low, which is why we continue to use them in both cars and boats around the world. The ones that are installed in boats are a little different, and are often referred to as a marine battery. Let's look at how these are made, and what they actually do for boats that are operated today.

An Overview Of A Marine Battery

A Marine battery is a deep cycle battery, one that is specifically designed to be regularly discharged, expending most of the latent electrical energy. This is very different from automotive batteries which are designed to deliver a burst of electricity with the purpose of cranking the engine, whereas a Marine battery does not discharge electricity in that manner. Whether you are using a file of regulated or flooded lead acid battery, both of these will help start any boat. They are designed with thicker every plates, and therefore the discharge cycles will be much different, often used in trolling motors in recreational fishing boats today.

Which One Is Better?

If you have a flooded battery, one that contains electrolyte fluid which will completely submerge the plates, these will work but require regular maintenance to ensure that the plates are fully submerged. Most of the Marine batteries that are used today are made from recycled material, and as a result of this, they are much more cost effective than ever before. Valve regulated batteries actually come into different forms. You can get those with gel or absorbed glass mat construction. Both of these work very well, with the primary difference being the cost, and also how much more maintenance you will have to put into the batteries so that they will last for an extended time.

People that have fishing boats, or any type of recreational boat, will have one of these batteries on board. They are designed to last for a much longer period of time than a lead acid battery for vehicles that drive on the road, but they can be more expensive due to their size and the different materials that are used to construct them. By searching the web, you should be able to find great discounts on these batteries which can cost as much as $300 or more. Take advantage of the savings that you can get from major retailers, or simply drive to the location to pick one up after ordering online.



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