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.

Pick Up The Phone To Increase Your Auto Repair Shop Profits

You may be surprised to learn just how much financial power rests in the hands of the person who answers the phone at your auto repair shop. As a shop owner, you put a lot of time into getting that phone to ring. The first phone call from a potential customer is your best chance to make a good impression. How is your business first represented to your potential patrons?

Customers needing auto repair have a sense of urgency when they make the call to your auto shop. Transportation is both a necessity and an investment; when they call your business for service, they want to know that their vehicles will be in capable hands. How is that first communicated to your potential clients? If your answering system involves an answering machine or an uninformed receptionist, you may be losing calls and clients by the day.

You may be the best shop with the most skilled mechanics in your local area, but if that is not communicated to your clients on the initial phone call, your business will suffer. The average auto repair ticket is approximately $300. If your phone answering system causes you to lose one call per day, and you are open 5 days per week, your business loses $1500 per week! This adds up to $78,000 annually!

Having a pre-determined script for any type of call that may come into your shop is an ideal way to assure that your receptionist handles inquires in a manner that will convert the call to sales, says Gerry Frank and Keith McCrone, co-owners of Automotive Profit Pro. When this is executed properly, 75% of calls can be converted into appointments.

Customers typically call auto shops for three main reasons:
1.They have a question or problem. This customer usually calls asking if you can fix their air conditioner or if you work on specific types of cars, such as, Do you work on Hondas? They want to know that you can confidently take care of whatever problem or vehicle that they may have.
2.Calling to schedule an appointment. This may be a current customer or a new prospect and they may be calling for either routine service or an emergency. It is important to determine all of the variables of the caller and help them accordingly.
3.To get an estimate. This person is usually labeled as the price shopper. Dont underestimate this caller; more often than not this customer is looking to establish a relationship with you and your auto repair shop.

Each of these phone calls is an opportunity to set an appointment and clinch the sale. Building a relationship with your potential clients as their auto care professional is established through their ability to trust you with their auto maintenance needs.

Buying Auto Parts Online

The internet might seem like an odd place to purchase auto parts, but there are a lot of good options online. As long as you trust your seller and you know what you need, you can get great parts for your car or truck. Everything from oil filters to complete engines can be purchased over the internet, and often you can get very reasonable prices. By reading the reviews of various online stores, you can choose where you want to buy what you need for your vehicle and that can help you spend less and get more.

Find the Best Sources for Parts

In order to get the best sources for the parts you need for your car or truck, you may have to do a little bit of research. You can’t just buy something from any old place and hope it will work. Sometimes you get the right thing, but all too often you get something that doesn’t work or doesn’t fit. You might also end up with something that could even be dangerous and then find out that you paid too much. Fortunately, it doesn’t have to be that way. Reliable sources of vehicle parts, both new and used, are out there on the internet if you’re willing to spend the time looking for them. Once you find a good source, you can go back again and again.

Don’t Overpay for What You Need

Another reason to get a good source for auto parts is so you don’t have to worry about overpaying. As long as you trust your source, you should be able to get what you need at very fair prices. Of course, that doesn’t mean you shouldn’t ever compare prices or shop sales, but simply that you should consider a good source or two of vehicle parts to be the sites you return to when you need something. You’ll end up getting what you want at a fair price, and that’s especially handy if you buy a lot of parts to work on or restore vehicles.

Make Sure You Know the Part Number

Not all cars and trucks are alike, of course, and replacing one small part can be difficult and frustrating. Most auto parts have a specific number that belongs only to them. Using that number can make ordering a part online so much easier, because you aren’t guessing at what you’re getting. In order to raise your chances of getting the right thing, a part number is the way to go. Use them as often as possible.

Internet – On-line Resource For Buying Or Purchasing Autos

Posting advertisements for autos including used cars, new cars, motorcycles, bikes, jeeps, boats or bicycles in on-line classifieds will draw an instant and targeted audience towards the classified ad than posting in newspaper classifieds or any other print media.

A popular Internet research company mentioned that most of the on-line classifieds are browsed for autos advertisements. With the increase in number of Internet users, the auto classified ads owner can be assured of traffic towards the ad instantaneously, but the auto classified ads should be properly designed for the buyer to understand what the ad seller is conveying. Whether buying new autos or selling used autos, posting auto advertisements in local free classifieds is advisable than posting in other classifieds medium like newspapers or magazines.

For buying new autos, the ads should mention necessary details on auto features like model, color, mileage, warranty of engine including estimated budget for purchasing. There is a possibility that local auto dealers will browse these ads, if the price estimated by the ad owner matches their cost, they will contact the ad owner immediately. The persons, who want to purchase new autos but cannot afford the huge price tag, can use the local classified ads to search for ads posted by persons selling their used autos which are in good condition.

For selling used autos, the advertisements should mention the details like the model, kilometers traveled, warranty of used engine, price and the reason for selling them. There is a high probability that these ads will be reviewed by local auto dealers for used autos or persons looking for purchasing used autos. The ad owner for used autos will be assured of their selling out in quick time by posting in on-line classifieds.

Placing auto advertisements in free classifieds can be economical than placing them in paid classifieds or print media. The ad owner should just make sure that the ad viewer should be impressed with the ad details by using the interactive features in free classifieds like graphics or videos.

Bank has Provided Autos for Selling

Do you wish to buy your first car or truck at a bargain price? In case you do, then financial institution repossessed autos for sale is an excellent alternative to suit your needs. When that you are considering repo automobiles, you’ll however have the option to locate automobiles that perfectly matched your shopping number.

You can literally locate all sorts of automobiles. Auto with lower mileage, air bags, leather interiors, tinted windows and much more. You will also have the opportunity to seek out all types of models, in the previous kinds for the new ones. The advantage of repo car or truck market place is that the flip all-around time could be quite rapidly. That is unlike what you might practical experience within the mainstream auto dealership. Even if you may’t get what you will be in search of this week, you can continually test back often until you find everything you genuinely want.

The problem is, in which are you able to invest in a repo vehicle. 1 way to do so would be to conduct a seek in your regional advertising. You are able to consider your luck with the community paper listings. Possibilities are you might be ready to search out facts of the next repossessed car or truck for purchase.

An additional area you’ll be able to look at is accessible auction directories. When you receive the needed details, you are able to start to make contact with the pertinent personnel relating to the selling. You’ll be able to then arrange for inspections from the automobile.

The inspection is usually a crucial phase. It truly is during this phase exactly where you are able to establish everything you actually want. The traditional bank repossessed vehicles for sale made industry is probably the perfect site to search for cheap cars which can be however in word of advice top rated condition. When you wish to get your very first automobile at a bargain price, this will be the location it is best to not miss out.

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Auto Attendant – A Good Alternative For Live Receptionists

Employing additional personnel for call management is an effective but sometimes unaffordable option for small businesses. A very feasible solution is for them to go in for a VoIP phone system with the auto attendant (virtual receptionist) feature. A good alternative for live receptionists, the virtual receptionist effectively manages all calls.

Auto Attendant – Functioning Like a Live Receptionist

Some of the important features of the auto attendant include:Attends calls professionally The auto attendant is programmed to deliver the best customer service. It greets callers professionally. When calls are made to your office, callers are welcomed with pleasing, professional sounding greetings. These messages can be personalized to suit business hours, after-business hours and holidays.Routes calls efficiently Callers need to reach the proper extensions. The virtual receptionist comes with special call forwarding features to accomplish this. Callers are presented with a menu of options to route calls, which includes dial by name, dial by extension and zero-out to live operator. The interactive voice responses help them reach the right person or department. The virtual receptionist can handle several call arriving simultaneously with ease.Round-the-clock Service VoIP phone systems ensure that you do not miss any important business calls. If you are not available in your office, callers are directed to the voice mail boxes of the phone system where they can leave voice messages. Calls are also forwarded to pre-assigned personal email accounts. When you are on the move, calls are redirected to designated cell phones, home phones or other personal numbers. You can therefore keep in touch with your callers all the time.

Auto Attendant Cost-saving Feature

The auto attendant that is a good alternative for a live receptionist is a cost-saving feature of the VoIP phone system. A small business office using this telecommunication solution can save the expense of employing a real receptionist. With advanced call management features facilities like direct inward dialing (DID), call conferencing, caller ID, call waiting, call queuing, call screening, call transfer and other user-friendly features, VoIP phone systems offer streamlined telecommunication solutions for small business offices.

Understanding Texas Auto Insurance Laws

Examining the Minimums for Auto Insurance in Texas

Have you recently moved to Texas or are you a young driver just looking into auto insurance in Texas for the first time? If so, you might not yet be aware of the minimum requirements for Texas auto insurance policies. Today, we will offer you a closer look at minimum requirements, as well as what to seek when you are looking for Texas insurance.

The Main Points of Minimum Texas Insurance

Liability limits are 25,000 for bodily injury
or death to one person and 50,000 for bodily
injury or death to two or more people.
Liability Texas auto insurance also means a
minimum of 25,000 in coverage for damage or
destruction of property.
Texas does offer the choice to post financial
bond and provide self-insurance in lieu of a
traditional Texas insurance policy.

What Other Rules Govern Texas Auto Insurance?

You will find that in Texas, you must carry policy minimums on every single car that you own. Proof of insurance is required to be in the vehicle at all times, and driving a motor vehicle without this proof will result in fines between $175 and $350 for a first offense, with fines increasing for subsequent offenses. If you are caught without proof of insurance three times, your driving privileges will be suspended. It is also important to note that insurance is required on your vehicle before you will be allowed to register it with the state.

Dont Let Your Texas Auto Insurance Lapse

If you live in the state of Texas and have a vehicle registered with the DMV, a lapse in coverage will be automatically reported. Allowing your coverage to lapse can result in license suspension if you are caught driving. Maintaining auto insurance in Texas is absolutely crucial.

Why Do I Need Insurance?

If you are trying to understand why Texas insurance is mandatory, consider this. No matter how excellent your driving skills may be, all it takes is a moment of distraction or even a flat tire to send your vehicle out of control, damaging property and possibly even hurting or killing someone. Without Texas auto insurance, you would be held liable for all expenses, and without the money to pay, injured parties may not be able to receive proper care. Insurance laws protect you as well as others, and maintaining mandatory minimum insurance isnt just recommended, its the law.

Auto Coupon Cash Review

Auto Coupon Cash could be of some value for you only when you do as instructed. Are you someone to enter it or otherwise? All the hype on the planet doesn’t outweigh because you must help with your time and effort that it requires to achieve success. Because of so many programs being introduced at the moment it’s tough to pick which someone to purchase. Frequently spent your hard earned money as well as in a brief period of your time you place this program aside and proceed to the following popular trend. I have experienced a lot of programs come across e-mail and all sorts of all too often they’re somewhat useless. This being said, give me an idea from the program? That one provides a method to earn money by coupons although it’s a small amount at any given time they’ll increase to some profit for you personally. There is going to be expense to create yourself up so don’t believe that you’ll only spend $37.00.

I had been also astounded by Brian Koz, among the creators, on a single site he openly shared solutions to questions by people who were knocking the merchandise. He gave answers which were clear and also you could tell those who had doubts were more available to Auto Coupon Cash. Besides he’s from Wisconsin and myself as being a Packer Fan how can it be bad?

They are doing come with an upsell where they create several auto-updating blogs for you personally which use unique content they mix along with “money makers” / promotional things like amazon links, AdSense, clickbank ads, a unique contact page to capture leads. The fundamental package still includes several tools that may help you perform a large amount of that stuff, including get blogs that rank well. It includes in regards to a dozen software tools.

I don’t make use of this program and since I began to investigate the product I receive a lot more than 25 emails each day for coupons which I’ve no need to use plus they repeat themselves Two to three times. I just send these phones spam and continue on with my real email. I don’t like this kind of capture but it’s the most recent thing from what is happening in my experience. Now a high level coupon fanatic you’ll such as this program. Personally I’d stay away however it’s your choice, it might be precisely what you would like. Building a company online ought to be something to become proud to represent, something I’d call integrity. Since I’d rather not load someone’s email with coupons they do not want I’d spread the product. Build a company foundation while doing an internet business, learn different processes to increase your business and success follows you.

Automotive Schools To Consider If You Want To Become A Top Mechanic

If you are considering attending automotive school, you owe it to yourself to research the following mechanic schools. The automotive schools on this list are all highly respected in the industry, have a wide range of automotive degrees and training available, and will help you become a top marine, motorcycle or auto mechanic.

Universal Technical Institute

Universal Technical Institute provides ASE/NATEF Master Certified training for you to become an automotive, diesel or collision repair technician in a little more than a year. Plus, you can choose from insanely cool manufacturer specific electives to make yourself even more valuable in the industry.

Lincoln Technical Institute

Start your mechanic career at Lincoln Technical Institute by training to be an automotive, diesel, collision repair or high performance mechanic. With comprehensive instruction from knowledgeable ASE Certified instructors who have years of professional experience, you’ll get one-on-one, hands-on training, using techniques and industry-standard tools.

NASCAR Technical Institute

The NASCAR Technical Institute (NTI) is a training facility committed to high performance, not only on the track, but also in the classroom. Receive a wide range of automotive technology courses to train you for a rewarding career as an automotive technician with added NASCAR-specific courses and a Ford FACT elective.

Motorcycle Mechanics Institute (MMI)

The Motorcycle Mechanics Institute (MMI) motorcycle technology programs provide the knowledge and skills you need to become a successful motorcycle mechanic. Motorcycle Mechanics Institute (MMI) has two great locations: Phoenix, Arizona and Orlando, Florida.

Nashville Auto-Diesel College

For over 80 years, Nashville Auto-Diesel College (NADC) has been providing students like you with the hands-on training they need to succeed. Career focused programs are available in diesel, collision and refinishing repair, and high performance technologies.

Marine Mechanics Institute

The Marine Mechanics Institute (MMI) provides real-world marine technician training programs to start your career in the marine industry. With support and/or endorsements from major marine manufacturers, you can train to be a marine technician and launch your career in as little as 60 weeks.

If you want to become a top mechanic, we highly recommend you take a look at all of the schools above. We invite you to watch videos and request free information from these schools to learn more about them at our mechanic schools information website.

How to Get A No Credit Check Auto Loan

There are times in the lives of some people when their credit is compromised and is not as perfect as it should be. This can be due to past issues, late payments, repossession of a vehicle, foreclosure, or a variety of other problems. Regardless of the reason, this can make it extremely difficult to get a loan for a new car when you need it. No credit check auto loans are one way that you can get the loan for a new car in Kansas City and there are several places that you can find these amazing loans.

Many dealerships in the Kansas City area offer what is called on the lot financing. This is a type of no credit check auto loan that is pretty easy to find. If you are unsure of whether a particular lot offers on the lot financing to their customers, just ask the salesman. If they do offer this type of financing to their customers, they will be more than happy to tell you about what they have to offer and help you apply. Most of these auto loans only require that you show proof of your employment and income.

If you are applying for a no credit check auto loan, you will usually be required to make a pretty large down payment on your loan. The down payment for this type of loan can sometimes be a bit larger than what would be required through other financial institutions. However, this is one of the things that these dealerships do to make sure that they do get a good portion of their money up front. In some cases, the dealership will negotiate a down payment that is more affordable. Just talk openly with them about your circumstances and let them know up front how much you are able to afford and they will most likely work with you.

It does not matter if you have bad credit or not, you may eventually need a new car. This is why the no credit check auto loan is available and you should not hesitate to look at the options. This type of loan could be the answer that you have been searching for to help you get a new vehicle. In Kansas City, there are many car dealerships that offer this financing option to their customers and you should have no trouble getting the car that you need.