How to save on car insurance renewal premium

It is true that buying car insurance is equally important as owning a car. Car insurance saves us from many risks and hence it should be one of the basic things after buying a car. All inadvertent risks like accidents, third party damage or damage in natural calamities are covered with the help of vehicle insurance. Generally, we give more importance to new car insurance and car insurance renewal is never given a priority which sometimes causes problems as well.

Car insurance renewal is a necessity, so it should be renewed immediately after expiry. But these days buying car insurance is a tough task with lot of different options available. However, few wise decisions easily can help saving us money while taking a car insurance renewal policy. Below are the tips that can help saving us money: y:

Increase policy deductibles: By increasing you deductibles at the time of settlement of the claim can help you reducing your insurance premium. While buying new car insurance or car insurance renewal, this factor can help save you money. Deductibles are the part of the settlement which is paid by the insured and not the insurer. Hence, one can go high on deductibles but one should go through their budget before setting up sum for deductibles.
Comparison of various policies: Vehicle insurance online buying is the most easiest and convenient mode of buying insurance. We can buy new car insurance or can buy car insurance renewal via online medium through preferred insurance provider or through insurance aggregators. We just require some time to research and evaluate various options. One can use car insurance calculator India to determine the premium for the policy as well.
No claim bonus: One must remember a claim bonus which is generally provided by every insurance provider preceding a no claim year. This will help an individual in reducing their car insurance renewal premium.
Think twice about paying in installments: We should pay insurance premium in one go and not in installments as most of the carriers charge administration fees which can make our insurance premium shoot up. So, one should pay their car insurance premium upfront if possible.
Avoid lapses in coverage: We should avoid lapses in coverage as it can disqualify an individual from receiving various discounts. Insurance companies use lapses in coverage to increase you premium.

Well with the help of above mentioned tips, one can save some money. Vehicle insurance online must be preferred over other methods as it is economical and car insurance calculator India must be used in order to get better coverage.

Motor Vehicle Accidents A Killer On The Loose

Motor vehicle accidents are invariable caused by the driver’s negligent driving of a motor vehicle. Motor vehicles fall under two broad categories – Light Motor Vehicles (LMV) and Heavy Motor Vehicles (HMV).

Motor vehicle accidents are further categorized as follows – car crashing against another vehicle; car crashing against a human; a car striking an object or meeting with a fall from a precipice amongst others.

More and more governments all across the world are taking some serious action in reducing these accidents because of the staggering numbers of motor vehicle accidents.

Why do Most Motor Vehicle Accidents Happen?

* Excessive speeding of the vehicle is one of the top reasons for motor vehicle accidents. This usually happens when a vehicle goes beyond the prescribed limits. In the United States, most roads have speed limits that are strictly implemented.

* Cases of Motor Vehicle Accidents are also reported due to a driver being drunk. If a person in an inebriated state drives a car, he may in all probability not have full control of the car’s motion. Such drivers cause car crashes which could easily result in fatalities.

* Car crashes are also attributed to vehicle malfunction. A vehicle is composed of parts that ensure the safety and control of the vehicle – brakes, accelerators and fuel pumps are examples. When these do not work as they should, it can cause car crashes or accidents.

Some statistics on Motor Vehicle Accident for you

Here are some numbers on Motor Vehicle Accidents which are sure to surprise as well as shock you. Occupants of light cars like the BMW, Honda etc can survive death from a two car accident close to 92-94% of the time. This obviously means that 6% of the times when two car accidents take place, it results in occupants losing their lives. As per statistics, there are close to 1000 car accidents reported in the United States of America daily. Taking the figure of 6%, it means that 60 people lose their lives daily due to motor vehicle accidents.

What does the law do about this?

Most national governments have stepped in and laid down the law regarding motor vehicle accidents. When this happens, the person responsible for the accident is required to stop driving immediately. He is also required to hand in the papers of the car and his insurance papers to the police, FBI or any other law enforcement officer present at the scene. When found guilty, the driver may be sentenced to jail or is asked to pay a penalty.

The way ahead to stop vehicle accidents is to ensure that one drives safely. Though, the concept of manufacturing cars so that they comply with safety standards is increasingly gaining ground, the best policy is still summarized in the saying: “Drive Slowly, Reach safely”.

Have a Showroom Which Attracts People with the Best Showroom Interior Designer

Being in the retail business poses numerous challenges. These challenges are not only about managing one’s business and the stock to precision; they are also about attracting people to walk into the showroom. That can happen through marketing and the development of an appealing exterior to the showroom. However, once the people are inside, they need to be pampered with eye pleasing designs and easy to navigate product/s display.

In other words, it becomes imperative to work with an experienced retail store interior designer. There are many facets to such design. This is what makes professional Showroom Interior Designers indispensable for forward looking store owners. The case is so because your retail store is not only required to look good and appealing, it is also supposed to attend to various functional yet subtle requirements. Take for example, a dull color of the store will slow down the senses of the visitors and thus reduce the chances of them buying.

On the other hand, bright colors can always be considered energetic and so would be the case with retail stores too. Brighter the store, the better and more comfortable would it be for the visitors and the more would they end up buying.

Another example could be that of the way in which the shelves are the arranged and the kind of walking space that is allowed to the customers. Therefore, there seems to be no better way of boosting your business except for working with the best showroom interior designer.

If you are looking for a high profile retail store interior designer yourself, Futomic Designs can be the ideal choice. This interior design company, based in the capital of India, New Delhi, has worked with an assortment of different clients for various projects of diverse types and dimensions. It believes in complete customization and offers final solutions which are not just individually tailored but also contemporary to the core. The company offers full transparency in its dealings and hence gets termed as one of the best shopping malls interior designers in town.

Easiest Way of Finding Cheap Car Rentals in Chennai

Gone are the days of haggling with the auto rickshaw-man about how much to pay for only going to the next street. Finding cheap car rentals in Chennai has become so easy nowadays. With one click of the mouse button you can find any number of car companies willing to take you around Chennai for half of what the autorickshaw-wallah will demand.

But, what if you want to travel in and around Chennai or go on a weekend trip with your family. Can the driver be trusted? Does he know the routes around the locations you want to visit? Will he tamper with the distance meter? All these questions are very important when you look for bus rentals in Chennai.

For instance, if you want to visit Tirupathi and Kalahasthi, look for a Chennai – Tirupathi – Kalahasthi tour package. This will be cheaper than hiring an ordinary taxi or cab services. In fact, many first-time visitors to Chennai will find such kind of service very helpful as the pick-up will be arranged from the railway station or airport itself to drive you straight to Tirupathi. This way no time and money is wasted in booking a hotel and looking around for suitable options. Chennai to Tirupathi takes around 4 hours of travel. Once you check into a hotel you can refresh yourself. Then you can continue on your pilgrimage to Tirumala for a Dharshan. After completing Dharshan, you can continue onto Tiruchanoor temple & return to your hotel for an overnight stay.

After staying overnight at Tirupathi, you can continue your trip to Kalahasti, near Tirupati for your dharshan, then return to Chennai. You can also opt to be dropped off at the railway station or airport to continue your journey to your destination. The cab fares for this type of pilgrimage will cost you anywhere from Rs.4,800/- to Rs.7,500/-, depending on the type of car you choose. If you are only a group of two to three people, then you can go for an Indigo or Indica. However, you should also take into consideration the amount of luggage you are carrying. If you don’t plan on returning for an extended visit to Chennai and don’t have any reliable place to store the rest of your luggage, you may have to carry your entire luggage around with you on your pilgrimage.

Consider all of these factors of your trip before choosing BMW rental in Chennai, or tempo traveller rental in Chennai..We can help you reduce your travel costs if you give us your detailed itinerary. This will help us plan a route that is quickest & shortest without wasting your time & money.

General Motors Gm Diet For Vegetarians

The General Motors (GM) Diet is possibly one of the most famous diets of all time. It was developed By the General Motors Inc. and The John Hopkins University in 1995 exclusively for its employees. It was later released for the general public.

The General Motors Diet is very difficult to follow in itself. It requires strict adherence to a single item throughout the day. For vegetarians, especially Indians the diet is even more difficult as it requires giving up all the usual food items. Also the original diet was developed for non vegetarians with plenty of fish and meat. The vegetarian counterparts are not very well known.

This diet will lead to a loss of nearly 5- 6 kilo grams in one week. This diet can be repeated for any number of weeks with a gap of at least 3 days in between. On a full cycle, the entire body is cleansed of all toxins. The change in shape is very noticeable. Also the diet has effects on behavior. At the end of the diet, ones attitude is improved. You are calmer and sharper. After successfully completing the diet you will feel very energetic and healthy.

Here is The General Motors (GM) Diet for vegetarians,

Day One:

You can eat an unlimited amount of fruits but bananas are prohibited. The recommended item is watermelon has this has the maximum water content.

Day Two:

Today you can eat an unlimited amount of vegetables. You can eat them raw or half cooked. But no salt or garnishing are allowed. Also avoid oils or coconut while cooking vegetables. You can simply eat a large boiled potato with a little salt.

Day Three:

An unlimited amount of fruits and vegetables can be eaten today. But bananas and potatoes are prohibited today.

Day Four:

Today you may eat only bananas and milk. The maximum limit is eight bananas and three glasses of milk. You can break your meals according to your wish.

Day Five:

Today you can eat one cup of rice, up to 6 tomatoes and drink at least 12 glasses of water. You may even cook the tomatoes with the rice, but avoid too much of oils.

Day Six:

Today you may feed on unlimited amount of vegetables. Also you may eat one cup of rice today.

Day Seven:

Today you can eat unlimited amount of fruits and vegetables. Also you may eat one cup of rice.

Value Of Car Insurance Policy

Importance of car insurance in India

According to motor vehicle act states that all the vehicles running in communal places should have Car insurance policy basic motive to cover third party liability.

There are two forms of policies for motor insurance

Third party car insurance policy
Comprehensive car insurance policy

Difference between these two policies

Comprehensive Car insurance policy also covers loss or damage to the vehicle itself by way of accident in addition to third party accountability and specified dangers, whereas Third party Car insurance policy answerable for the loss of vehicle owner or damage to life or property of the third parties.
Mode of insurance premiums

The car is not insured for reinstatement value and depreciated value

The tariff governed the finest rates for car insurance in India for all the companies that are operating here.
At what value car is to be insured – Depreciated value or reinstatement value?

The vehicle is to be done insured at the previous value in the local market for a related type of car for a same model
What factors are to be kept in mind for deciding the premium for car insurance?

On the basis of cubic capacity, usage of car, area of procedure and the cost of car projected for insurance make a decision about the premium to be paid.
What amount the insurance company pays at the time of an accident?

In situation of a mishap, the insurance organization makes payment for the cost including the labor cost and also the price of injured parts which can be replaced.

Bonus system

At the time of any accident for which a claim is registered in the occurring year on insurance organization, in the very next year, the insurance organization transfers the premium by technique of charging extra premium.

Minimum/ maximum percentages of the Bonus

The least amount Bonus is 20 percent & maximum is 65 percent.

What happens to the Bonus at the time of sale and transfer of vehicle?

Till the time he can argue bonus on next purchased motor vehicle, the bonus goes with the original owner.

What is exactly Voluntary excess?

It is totally client’s decision for paying firm amount of liability from each claim & for this car insurance organization offers a concession in premium.

Difference between voluntarily excess and compulsory excess

At the time of voluntary excess, client decides the reduction in premium on the other hand excess is imposed compulsory by the car insurance company. This will help you to take correct decision.

Colorado Auto Repair For All Your Repair Needs

If you have been in an auto accident, chances are you are going out of your mind thinking of where to have your car repaired. Those that are located in Colorado are luckier because there is a Colorado auto repair facility that they can go to anytime the need arises. It can take care of every repair job you need and you can be assured that the quality of service is the best in the business. If your car has been covered with insurance, you need not worry whether it will be accepted or not since the repair facility will accept all kinds of insurance. You can bring your vehicle right in and not worry about anything.

Being involved in an accident often involves a towing service to bring the vehicle from the place of accident to a repair shop. There are areas where you will have to pay for this service. But with the Colorado auto repair facility, the towing service is free. After which, you do not have to worry about anything. Expert auto mechanics will repair all cracks and dents in your vehicle, including frame damages, and restore it to a brand new condition. They will even accept hail damage repair. So why have your car repaired somewhere else?

Another favorable benefit you can have from the Colorado auto repair shop is that they are experts at color matching. This means that they can expertly mix paint colors to match the original color of your vehicle. Repaired parts of a vehicle need to be repainted to match the color of the rest of the car. However, this needs to be done expertly since a slight mismatch in paint mixing will cause a different color tone to emerge. But with the expertise they have at matching paint colors, your car will look like it was never damaged.

Automotive Repair Shop Software Review – For Repair Shop Owners

Automotive repair shop software is a tool that is designed to reduce to the barest minimum of time you spend on administrative activities, so that you can actually concentrate on the job, improve business work flow and make more profits.

Advanced technology and knowledge has moved car shop management activities and control to a higher level where you can handle much more jobs, work faster, and net more profits.

You can actually move your shop from the traditional time wasting method of filing carbon copy forms, and doing everything manually to tracking all activities electronically.

Good automotive repair shop software will handle all your jobs from the beginning to the end, thus making your shop administration far less boring.

The following are the features that make this software indispensable for every car repair centers that want to really jerk up their productivity.

1. Appointment Scheduling: You can easily plan your appointments with customers ahead of the time, and get information about when customers are due to arrive for their jobs and the time you allow for them.

2. Track Work in Progress: With a simple color code you can track the status of each job and know how they are progressing.

3. Check Your Level of Profitability: You can easily determine when you are making profit or otherwise with the right color code.

4. Car Parts Sales: You can sell auto parts over the counters without the input of the full details of customers, a great time and money saver.

In the situation where you have a lot of customers to deal with, automotive repair shop software will show you who you sell what to, and all the details associated with it.

You can also get all the information you need about customers’ histories, that will help you to quickly confirm and determine important issues like refund, recalls, etc.

5. Parts Management: The software can take care of issues like inventory control, price matrix, restock invoice tracking, etc, which will help you to have total control over parts movement and prices, and minimize losses altogether.

6. Marketing Management: A great marketing tool that will help you do follow up on customers by giving you information on them and helping you to send reminders, thank you cards, appointment scheduling time, etc.

Automotive repair shop software makes all your workshop activities a breeze. It turns every complexity into a simple process that will make your job less burdensome and more profitable.

Coverking Clear Nibbed Floor MatsEffective Auto Accessories for Elegant Interiors

Maintenance of your car floorboards is crucial when it comes to have greater pleasure, comfort, and convenience inside the vehicle. However, majority of car owners ignore the importance of proper floor care and fail to maintain their original upholstery. If you are concerned about the diminishing appeal and comfort of your car mats, you need to get the custom floor mats are for you. Clear Nibbed floor mats by Coverking are one of the most effective auto accessories.

Clear Nibbed floor mats are custom auto accessories and provide desired protection and appeal inside your car. Precisely designed keeping the specifics of your car make and model in mind, the floor mats fit right and embrace all the contours of your floorboards nicely.

Snug fitting and complete covering are important when it comes to prevent hazardous elements that cause damage to your car original upholstery.

The snug fitting floor mats provide optimum protection against varieties of abuses and hazards.

Made of clear vinyl material, the custom car floor mats display unique mix of elegance and strength. The Clear Nibbed floor mats are transparent and look great. The reliable material used in these floor mats is strong enough to handle repeated friction and abuses.

Custom floor mats display a wide range of exciting features. Apart from perfect fitting, the custom-fit car floor mats provide superb convenience inside your car. With tough rubber nibbed bottom, the reliable floor mats don’t slip, curl or bunch and you can expect greater convenience below your shoes.

Available for most of the car makes and models, with the custom floor mats by Coverking you can personalize your car interiors as well. So, get the custom car mats and ensure greater protection to your original upholstery.

Now, you can expect desired look and feel inside your car and enjoy riding your hot vehicle.

Inspiring Auto Careers

Not only does most of the country run on cars, but the world at large relies largely on motor vehicle transportation for both people and cargo. Keeping all of these vehicles running is a big job a job that keeps a huge number of people employed in a vast variety of career fields. These are just a few of the more exciting career options available to those who choose to get into the automotive field.

Body and Paint Specialist

For many if not most car owners, looks are pretty much everything. Like any possession that is going to be on public display on a regular basis, a huge number of car owners are very concerned with the aesthetics of their vehicle. The looks of a vehicle often play a large role during the car shopping process, as well as cleaning and maintenance.

As a Body and Paint Specialist, your job will be to not only repair structural damage that a vehicle may have sustained, but also restore the vehicles visual appeal so it looks at least as good, if not better, than it did originally. For Body and Paint Specialists, taking a sadly damaged vehicle and making it look like new is hugely satisfying.

Automobile Designer

If you really want to get into the world of automotive aesthetics, there are few career choices better than automotive design. Unlike other vehicle related careers, becoming an automobile designer requires a thorough interest in and understanding of design in general, requiring a substantial design aspect of your education.

However, automobile designers also need a strong grasp of mechanics and aerodynamics. This requires a multidisciplinary approach that has a strong emphasis not only on design but also on mechanics. Automobile designers are hugely influential in the world of design.

Assembly Line Worker

While on the surface this might not sound like the most exciting of career choices, the role of the assembly line worker has changed significantly over the past few decades. While computers and robots do much of the work, assembly line workers are now often well versed in computers and robotics, as that is often a major facet of the job. As always, being an Assembly Line Worker involves the satisfaction of putting together the vehicles that make the world run.

Automotive Service Technician

There is a lot more work that goes into keeping cars on the road than just filling the gas tank. A vast majority of the driving public knows very little about car maintenance and repair. This is where the Automotive Service Technician comes in.

As an Automotive Service Technician, you will fill the invaluable role of making sure that vehicles continue to run safely and dependably. Like many other auto careers, becoming an Automotive Service Technician begins with the right education.