When it comes to buying your first car, you will probably find that it is a very exciting time and you will probably feel great about it for quite a while. However the reality is that buying a car is a huge investment so it is very important that we get this decision right. Because you should be able to get quite a number of years out of your first car, it is extremely important that you make a wise decision.

Below are a few tips that might help you when it comes to buying your first car.

There are some people who argue that it is best to buy a used vehicle for your first car. This is something that can make quite a bit of sense for those who don’t have a lot of driving experience. It is not as common for drivers to get dents and scratches on their car when they have a lot of experience but in the first few years of driving this is very common.

Getting a dent in a new car is going to be a lot more heartbreaking then getting it in a second hand car. That is the main reason why you would be advised to get a second hand car. Of course, you don’t have to follow this suggestion for your first car and plenty of us don’t.

It is essential to make sure you have done the appropriate research before you buy any car. Doing your research is the best way to ensure that you end up with a car that is suitable for you. When it comes to doing this research, you can use the internet or buy car magazines. You may also have friends that know quite a bit about cars and if so then you can pick their brains.

As previously mentioned, new drivers are more likely to have car mishaps so safety should be a huge consideration when choosing your first car. Just be careful though, because having a lot of safety features can make you feel a bit invincible you are not and you will still need to drive carefully.

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You may be about to buy yourself a used car and if this is the case then it might be wise to look for something that is economical. With the price of petrol and diesel becoming so unpredictable it is understandable that people don’t want to end up with a car that eats fuel. Below are some of the most economical cars that you can buy these days.

SEAT Ibiza Ecomotive

If you are looking for a cheap car that offers good fuel economy then you might want to choose the SEAT Ibiza Ecomotive. This car should not be expensive to buy second hand and it will give you 80.7 miles to the gallon.

Toyota Prius T3

One of the most famous green cars around today is the Toyota Prius. As well as offering low emission rates (just 89g per kilometre) it also offers as much as 72 miles per gallon. This car looks fantastic so would definitely be worth considering for those who want a nice car that is efficient on fuel.

Skoda Fabia Greenline

If you want something practical as well as fuel efficient then you might want to consider the Skoda Fabia Greenline. Just a few years back it was considered a bit naff to buy a Skoda but things have changed quite a lot over the last few years. This is a nice affordable car that you can pick up second hand and it will provide you with 83.1 miles to the gallon.

Smart Fortwo cdi

With this car being so new, you will be very lucky to come across a second hand model. You will get a very impressive 85.6 miles to the gallon with this car and that means that over time you can save quite a bit of money. If you prefer to drive on your own then this is the perfect car for you because it only has two seats in it; this is something that would put a lot of people off however.

So if you are looking for an economical second hand car then the above are just examples of what you can find these days.

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If you like driving, then this is a very important article for you to read. Driving affords you plenty of pleasures and conveniences. People of years past didn’t have these, so you should be thankful. However, driving comes with some important responsibilities. One of those is to have enough car insurance. If you are driving without car insurance, then you are in serious danger of getting into major financial trouble.

One of the drawbacks of car insurance is that it costs money. Sometimes a lot of money. Many people don’t like paying for insurance because it is so expensive. But there are some inside secrets that you can use to get some cheaper rates. This way you won’t go broke every month. In this article, you are going to learn those secrets.

The first tip is to drive safely. If you drive safely, you won’t get into any wrecks, and you’ll have a much cleaner record. This, of course, represents lower risk to the insurance company. They will charge you less money if they think you are a lower risk.

Second is to have a cheap car. If you drive a BMW, it will cost a lot of money to get it insured. But you are trying to save money, so what are you doing with a BMW in the first place? Trade it in for an old Toyota, and your insurance costs will drop.

If your car is at risk of being stolen due to where you live, then you may have to pay more for insurance. In order to lower this risk, put in a good alarm system, or see if you can lock your car in the garage every night. If you can show proof of this, you may get cheaper rates.

One more risk factor is how often you drive, and how far. The more you drive, the more risk there is of something happening. On the other hand, if you don’t drive that often, then your insurance will be cheaper because your risk will be lower. So consider riding your bike or taking the bus whenever possible.

So there you have it. Some nice ways to save money on car insurance. Just make sure you get enough to pay for any damage you might cause. Drive safely, and have fun.

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If you or your employees use a car for business then you need a proper business car policy.

A private car policy will not cover you for business use. Some private policies will include commuting cover, but this is only to and from a single, regular place of work, which is sufficient for most people who work in the same location every day. If you use a car for any business purpose other than this, then a private policy will not cover you and you are technically driving around uninsured. Even if it’s just dropping off a business letter on the way home, this is business use and falls outside commuting, so should an incident occur, it could be costly to you personally, and result in points on your licence and higher insurance costs.

An employer also has to be aware that there could also be comeback from an incident involving an employee. Under Health and Safety Law, an employer is responsible for their employee’s welfare whilst at work. This still applies in a vehicle if they are on work business. On top of this, in certain circumstances, an employer is also liable for an employee’s actions, so if a third party is injured badly in an accident involving an employee the company may be held partly responsible too, so proper business use insurance is a necessity.

Business use car insurance comes in several different policy types, depending on what your business is, what cover you require, and how the car is used in relation to the business. The definitions below are general, as there are slight variations from insurer to insurer.

Class 1 business car insurance

Aimed at drivers who own their own vehicle which they use for business as well as for their own private purposes. Normally available with social, domestic and pleasure cover, and often you can add your spouse too.

Business Car Insurance Class 2

This cover is similar to class 1 in that it covers a policyholder’s vehicle for business use, but doesn’t necessarily cover any personal use. In the case of class 2 cover, the policyholder is usually the company itself, wanting to cover pool cars or other vehicles the company owns. Social, domestic and pleasure use can usually be added to these policies if required, but it is worth noting that if this is not included, then the car can only be used strictly for business use, so borrowing it to pop out to post a personal letter or some such private errand will not be covered.

Business Car Insurance Class 3

Class 3 cover is sometimes described as “commercial travelling”. It covers drivers who drive as part of their job, so long as the driving itself is not their job. As an example, class 3 business insurance would cover a sales rep., engineer on call, but would not cover a taxi driver, for this you would need something called “hire and reward”.

Hire and Reward

Hire and reward policies are necessary when transportation is the main purpose of a business. So couriers and hauliers need this form of insurance. Taxi insurance is also a form of hire and reward cover.

So if you use your car for anything business related, other than commuting, then business car insurance is required.

M Withers is Commercial Manager at Coversure who offer all classes of business use car insurance

Once upon a time there lived an unlucky driver named John Doe. Through no direct fault of his own he got involved in a lot of car accidents. He couldn’t afford automobile insurance and thought the best way to deal with an accident was to beg the other driver not to turn him over to the police. He offered to pay the expense out of his own pocket. It worked a few times. But then one day his luck ran out.

Driving without automobile insurance is illegal in most states and could lead to hefty fines and a suspended license. Some people believe that as long as they drive carefully there is little to no chance of a collision. But that thinking doesn’t factor in the careless driving of others, nor does it consider random accidents that happen unexpectedly and are really nobody’s fault.

Faultless, unexpected accidents are the reason automobile insurance was created in the first place. Insurance can protect everyone and everything involved in the accident, including the drivers, passengers, vehicles and any property. Some forms of insurance can even protect insured drivers from un-insured motorists. Comprehensive insurance goes one step further, protecting against theft and vandalism, fire damage and other un-anticipated events.

Automobile insurance is also highly advisable for car rentals. If a motorist is driving out of state, even if he drives cautiously, there is always a chance of an accident. Car rental insurance is expensive, much more so than regular insurance. But the alternative involves taking the risk that an accident will happen, and that he will be liable for damages, whether the accident was due to his negligence or pure bad luck. How unfortunate it would be for a driver to have to pay out-of-pocket for a new car that he’ll never be able to drive.

Buying automobile insurance, whether for a personal vehicle, business vehicle or rental car, is both the safe and legal thing to do. Many insurance companies offer special rates for safe drivers, drivers over a certain age, and drivers who take an educational course in defensive driving.

While full coverage insurance is usually recommended, and in many cases required for financing a vehicle, some motorists only have liability insurance. Liability insurance handles claims against the policy holder, including bodily injury and property damage. Comprehensive coverage insures for damage not caused by a collision. Full coverage automobile insurance includes liability, collision and comprehensive coverage. Some full coverage and liability automobile insurance policies will also ensure a rental vehicle.

There are other forms of automobile insurance worth noting, for instance, un-insured motorist coverage. This protects the insured against collisions where the other party has no insurance. Someone has to pay for an accident and it shouldn’t have to be the insured motorist!

Murphy’s Law suggests that “if anything can go wrong, it will.” This definitely applies in automobile accidents. Automobile insurance is there to protect drivers when they have finally run out of good luck.

Tristan Andrews is a writer for California Car Insurance.

Article Source: http://EzineArticles.com/?expert=Tristan_Andrews

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