What You Need To Know About Bad Credit Car Insurance

Having a bad credit can be a haunting experience. It follows you wherever you go. This bad credit even determines the kind of coverage you can get from your car insurance company. A majority of vehicle insurance companies, unfortunately, do not offer bad credit car insurance, and the few that do normally hike up the costs while minimizing the scope of coverage.

Fortunately, with a little research, you can find an insurance company that will be ready and willing to extend to you your desired coverage, and at affordable rates. All you need to do is to set out your budget and then research and hunt down such auto insurance companies that are ready to listen to you. This holds true as long as you are working towards improving your credit score. Below are some tips to help you in getting a fair car insurance cover even with the bad credit challenge.

4 Tips on Overcoming Bad Credit Car Insurance

Work on Your Credit Score

In order to get off the bad debt auto insurance schemes swiftly, it is important that you put in place a strategy to help you improve on your credit score. Start paying off your debts. When your credit score improves, make sure that you notify your insurance company so that you can get better auto insurance options.

Go for Special Discounts

A clever way of ensuring that you get good bargains on auto insurance even with bad credit is to take on different insurance policies from the same insurance company. For instance, take your car insurance from the same insurance company you have your medical insurance cover from. This way, you earn some savings on the premiums that you pay and even get a stronger bargaining power for special discounts thanks to your customer loyalty actions.

Manage Premiums using Deductibles

You can become a lesser insurance risk person if you elect to pay out of pocket, more of the claim cost. The savings that come out of this move pass back to you. However, with this move, be careful not to set very high deductibles above what you can be able to pay at a moment’s notice. Otherwise, your insurance company will halt the settlement of your claims until such a time that you are able to raise the money for the deductible. Read more »

About To Take Your Test? Here Are Some Essential Driving Tips

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Getting ready for your driving test can be very nerve racking. No matter how many lessons you may have had, you will understand that lots of people fail on their first attempt. In an effort to help you get your licence as soon as possible, we thought today might be a good time to publish this post. If you take the time to read through all the information on this page, we are confident you’ll stand a better chance of avoiding repeating the examination. Below, you will find a few handy tips that could help you to impress the examiner and stay safe when driving on UK roads. For that reason, we ask that you pay close attention to all our advice.

Adjust your mirrors properly

You should already know about blind spots as your instructor will have told you all about them. Considering that, you should always adjust your mirrors properly. Most people get this wrong. For optimum coverage, you shouldn’t be able to see your car in the side mirrors at all. You should tilt them outwards until you only see the road and the cars behind. Thousands of accidents are caused each year through people positioning their mirrors inappropriately. Don’t follow suit! If you want to stay safe on the roads, this is a simple task that could make all the difference. Many teen drivers get this wrong.

Pay more attention to traffic

While it is important that you take note of any road signs you might pass when driving down the road, your main focus should be other traffic. Too many people let themselves get distracted by signs, and that contributes towards a number of crashes each year. Your examiner will be looking to see how often you take your eyes off the road, and for how long. If you fail to meet their standard expectations, they might consider you to be an unsafe driver. The photo attached to this article is of an Avensis model, like those available from Inchcape Toyota and similar specialists. As you can see, it was important for the photographer to notice the sign painted on the road behind this car. However, focusing on it for too long could have caused issues.

Turn the radio off

There are some very good reasons mobile phones are no longer allowed when driving a car. They can be incredibly distracting and have been known to cause many accidents. In the same light, your radio could have the same effect. That is especially true if there is some interesting news or your favourite song is playing. For that reason, you should keep it switched off until you are more experienced at driving. Raving to Radio One might seem appealing, but you could significantly endanger the lives of other people.

We wish you the best of luck with your driving test, and we hope that the tips in this post will increase the chances of you achieving a passing grade. At the end of the day, your instructor is the one best placed to give you good advice. Even so, there are lots more articles online if you need any extra information.

Smart Tips To Keep The Insurance Premium Down For Young Drivers

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Image by : Karoley Lorentey

The astronomical costs of getting on the road for young drivers are akin to trying to get a foot on the housing ladder. It is the time of life when most young adults have little money behind them and yet their insurance premiums are costly. There is a reason for that; out of all the drivers on the road it is they who are most likely to have an accident. That means the insurance company has to pay out, which in turn raises the cost of insurance for all of us.

Maybe your son or daughter has just received their full license and is trying to afford their first vehicle. Here are some smart tips that will help them to keep the insurance premiums to a minimum.

Buy The Right Car

Buying the right vehicle for your needs is the best way to keep the insurance down. It makes sense that a small runabout will cost less to insure than a sports car. Find a car that falls into insurance groups one, two, or three. As the groups get higher, the cost soars. The guys at Motorline Direct say that that cars in the cheapest insurance groups never stay on the forecourt for long.

Do Not Modify the Vehicle

Keep the car standard. If you change the settings of the engine management system, or put expensive alloy wheels on it, your premium will reflect the changes.

Insure A Parent

If your child adds a parent to their insurance policy, it can make a dramatic difference to the price. At last; a use for the old people! The insurers reckon that the car will be under the control of an experienced driver sometimes.

Raise The Excess

Most insurance coverage will include an excess that the policyholder must pay before the insurers pick up the rest of the repair bills. You can reduce the yearly premium by increasing the excess amount. As long as you don’t have an accident, you have nothing to lose.

Don’t Have An Accident

The cost for the second year will be even higher than the first if they have an accident. Research beginners driving tips to make sure they are sensible and take the correct precautions to avoid a collision.

Don’t Pay Monthly

There is an extra charge for paying the premiums monthly. It might be cheaper to take out a loan and pay the it in one installment. Do your sums to calculate your best options.

Take An Advanced Driving Course

Some insurers will reward you if you take an extra course, such as Pass Plus. It reinforces the safety lessons they learned in order to pass their test and also includes lessons on the motorway. Why they don’t include that in the driving test is a mystery to me.

Coverage

Third party fire and theft might be cheaper than fully comprehensive insurance, but not always. Visit a comparison website and check what is on offer. It always pays to shop around.

You can’t escape the fact that it is going to be expensive for a teenager to insure a car. All you can do is minimise the cost until they build up a no-claims bonus, and get older. I hope you found something you can use here. Watch out for more of my online wisdom; it could save you a fortune.

Spring Car Maintenance 101

If you are a new car owner it is important to learn that as winter starts to wind down you want to time your Spring car maintenance perfectly. Depending on where you live you will know best when it is safe to book an appointment with your mechanic. You don’t want to be too early just in case you might encounter ice on the roads. It is best to look towards mid-April as a good starting point, but by May you want to be ready for the warm weather ahead. Here is what your car will need:

  • Overall Inspection: Consider having an overall inspection of your car each Spring. This way you will be able to indentify all issues and have them repaired. If budget is an issues work on them in priority order over the next few months based on safety as well as implications of further damage should repairs not be made.
  • Tires and Alignment: You want to attend to all aspects of your tires. If you use winter tires you can have them replaced, if not you will want to have your tires rotated. As well winter driving is rough on a car and it is best to have your car aligned as chances are a few potholes and ruts could have got things a little wonky. Check tire pressure as well.
  • Brakes: Checking the brakes every season is a good idea as the older they are the less effective they become. By doing it every season you will keep an eye on things and be proactive in keeping them working well.
  • Car Wash: Winter driving is messy and your car can be covered in residue from winter roads that can eat away at your car’s finish as well as the underbody. It is best to have a nice car wash to wash away all of the mess and get your car looking sharp for the summer ahead. A nice wax will finish things off and allow rain to trickle down and off your car more easily.
  • Oil and Fluids Change: An oil change is another thing you can time perfectly with your Spring car maintenance. You want to be certain you keep track of oil changes and follow your schedule so that you are not driving with old oil that will take a toll on your car’s operation. While that is being done you might as well have them check all of your fluids to make sure everything is topped up and does not require any changes.
  • Windscreen Wipers: A lot of people overlook this little detail. Because they are made of rubber they can deteriorate and become less effective. When rain falls you want to be certain you have a clear view with nice new wiper blades to keep things crystal clear in nasty weather.

You carry quite a bit of mess on your shoes and boots throughout the winter months, especially if there has been a lot of snow. Have a nice clean of the mats and vacuum out all that salt, sand and dirt. Your car will then be ready for Spring. If you’d like a bit more advice on how to best look after your car, you can always visit our website. We are Carmax Finance and we specialise in providing bad credit car finance to those with a bit of a wobbly credit history. We’d love to hear from you!

Teen Drivers: A Beginner’s Guide And Tips

Every teenager can relate to the excitement leading up to the day when they are old enough to legally drive. However, driving is not always fun and games; being on the road with both experienced and reckless drivers is extremely daunting. To combat any fear or worries associated with this, we have compiled a list of the best tips and guides, for all new drivers.

1. Practice makes perfect.
Before you get your license(provisional or otherwise) it is extremely necessary to practice. A lot of this practice will involve you running errands with a licensed adult so that you can familiarize yourself with the roads. However, what most people do not realize is that practice should resume even after you get your license. Offer to take your mum to the hair dresser or pick your sister from ballet. By continuously practicing, you are gaining much needed confidence on the roads. Moreover, by practicing with an experienced person, you benefit from tips that you may not learn in your driving classes.

2. Follow all safety belts regulations.
Safety belt rules and laws have been put in place for a reason, and should be never disregarded. Before you begin any journey, ensure that you and all your passengers are wearing seat belts as a precaution in case of an accident. Additionally, do not carry more people in your car then they are seat belts- every passenger should have a belt on.

3. Make a quick inspection of your car before you begin driving.
These inspections include checking the gas gauge, tail lights and your tires. By doing this you are ensuring that you do not get into a preventable accident or police situation, caused by a faulty car part.

4. Adjust your mirrors and seat.
This seems to be a ‘common sense’ tip yet many people forget to make these small adjustments. By doing these two things you are improving on your comfort levels as well as your safety.

5. Pay close attention to the road.
As a teenager it is easy to get distracted by your phone, your music, your passenger and even your make up. But none of this should detract you from keeping your eyes on the road and noticing what is going on around you. Some of the main factors that cause accidents include bad weather, bad roads, reckless drivers and cyclists, and inattentive pedestrians. It is therefore necessary for you to look out for these factors when you are on the road, as even the slightest distraction can be fatal. Lastly, keep a safe distance between you and the car in front of you.

6. Ensure your car undergoes regular maintenance.
By keeping your vehicle up-to-date, you minimize the chance of accidents. You can maintain the car yourself if you have the skills, and if you don’t you can ask a family member or a friend for help. Additionally, there are many local garages that can give you a great price, in case you want a more thorough check-up.

7. Do not drink and drive! Do not drive if you are exhausted! Read more »