• Rising Running Costs Affect Car Loans

    Family Car 02.01.2011 No Comments

    Rising Running Costs Affect Car Loans

    In the space of just one year, the cost of running a car in Northern Ireland has risen by £2,105, putting car loans at risk.

    The AA has found that rising petrol prices and road tax have pushed up costs, further compounded by heavy resale losses. As a result, the cost of driving has risen at four times the rate of inflation.

    4×4 drivers are the hardest hit due to heavy taxes imposed on 4×4 drivers, which have resulted in a rise in price of around 22% compared to last years costs. But 4×4 drivers are by no means the only victims, with the average family car seeing a rise in costs of around £601 since last year.

    Despite these alarming hikes in prices, Northern Ireland is still performing better than the rest of the UK when it comes to the cost of running a car. AA spokesman Luke Bosdet says:

    “Petrol and diesel costs are down on the national average of 12% and 11% respectively. Northern Ireland insurance figures have remained a lot more static than in other parts of the UK, which is why the increase in running costs hasn’t been as big.

    But drivers in Northern Ireland are still paying significantly more than this time last year.”

    Government imposed road tax has significantly reduced car resale values, meaning that many are left paying off car loans that far outweigh the current value of their car.

    Due to the drop in resale values many are put off selling their car even though they cannot afford to run it. Selling would mean a loss too big to swallow, leaving them still paying off car loans for a car they do not even have.

    Carys is an author of several articles pertaining to Car Insurance. He is known for his expertise on the subject and on other Business and Finance related articles.

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  • Put Money Back In Your Pockets With Hho Car Conversion Kits

    Family Car 02.01.2011 No Comments

    Put Money Back In Your Pockets With Hho Car Conversion Kits

    Growing global economies are placing an increasing strain on the producers of oil. As markets that had previously not been as well developed as western economies begin to improve, the oil producing countries will be battling to keep up with demand. The International Energy Agency predicts that global oil supplies could become “extremely tight” within five years. Our access to a resource that we had taken for granted for so long, will be increasingly reduced.

    Rapid growing use of fossil fuels is going to require the raising of prices. Dwindling oil supplies are also adding to the oil crunch. In order to achieve a sustainable future we need to remove our current dependence on fossil fuels. Conversion kits are a simple add-on to the family car that can significantly reduce the running expense and help to reduce our need for fossil fuels.

    A simple add on kit can convert your car to a water-burning vehicle and reduce oil consumption. You can run your car on water, to increase your car’s fuel efficiency and reduce your fuel costs significantly. Converion kits work on gas or diesel powered cars, vans, trucks, and many popular makes.

    Your car will become at least 40% more fuel efficient and produce cleaner emissions. The opportunity to provide for a cleaner environment and to lessen the environmental impact of fossil fuel burning has never been more achievalbe for the average household.

    You can convert your car for pennies in the dollar. Compared to other so called solutions to fossil fuel burning, HHO car conversion kits are very cost effective. The kits are economical to run and maintain. The fuel for the kits is readily available. Most kits work with plain tap water.

    Very little water is needed! Only a small amount of water provides an abundant supply of HHO gas, which can last for months. The processs of attaching the conversion kits to a vehicle is very simple. You do not need to have an engineering background in order to install the kits. The entire process is very well documented and you can find an incredible wealth of information online.

    With global demand for oil growing at an unprecedented rate there is a real and significant possibility that there will an immediate shortfall in oil supply. Shifting to HHO car conversion kits is a wise and economically responsible practice to reduce fossil fuel reliance. Water-conversion, as used around the world, is a technology that you can use for yourself today.

    Bruce Rama is an avid follower of the alternative fuel movement. Bruce runs an informational website that provides advice on HHO Car Conversion Kits, and outlines the best places to make purchases that don’t hurt the hip pocket. To take advantage of this information and more make sure you check out Bruce’s site at hhocarconversionkits.com.

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  • Alfa Romeo — All Car History Volume 15

    Family Car 02.01.2011 No Comments

    Alfa Romeo — All Car History Volume 15

    Alfa Romeo is a name synonymous with performance and style. The company’s ‘cuore sportivo’ – or sporting heart – lives on to the present day, though the company has been a part of the Fiat Group since 1986. Alfas are thoroughbred cars with a racing heritage.

    The fundamentals of sports car handling, performance and safety are carried over from competition to road cars. The current Alfa Romeo models include the Alfa 147, 159, Alfa GT, Alfa Brera and Alfa Spider.

     

    ALFA ROMEO HISTORY

    Founded in 1910 in Milan, Italy, Alfa came under the control of Nicola Romeo in 1915 and the company was renamed Alfa Romeo five years later. In 1920, the Torpedo 20-30 HP became the first car produced with the Alfa Romeo badge. Alfa Romeo enjoyed racing success between the wars, but still made solid road cars.

    After WWII, Alfa changed to smaller mass-produced vehicles introducing the Giulietta series and classic twin cam engine. Models produced since the Fiat takeover combine Alfa’s style and sporting panache with mass production.

     

    ALFA ROMEO FACTS

    Type: a subsidiary of Fiat Founded: 1910 Headquarters: Turin, Italy Key people: di Montezemolo – President, Luca De Meo – CEO Industry: Automotive Products: Cars

     

    FEATURED MODELS

    ALFA ROMEO 147 РThe 147 is a small family car produced with three or five door versions. ALFA ROMEO 156 - A compact executive car introduced in 1997 and produced until 2005 ALFA ROMEO GT - A Bertone-designed coup̩. Engine options include two petrol and one diesel versions. It shares its he interior with the 147 ALFA ROMEO GTV - The GTV is a sports car produced by Alfa Romeo from 1995 to 2006. A 2+2 coup̩, it was the successor to the long-discontinued Alfetta GTV coup̩

     

    DID YOU KNOW?

    Legend has it that Henry Ford doffed his cap when an Alfa went by The first time he managed to beat the Alfas, Enzo Ferrari cried like a baby. Enzo was a racing driver and team manager for Alfa in the 1920s before founding Ferrari There are many myths surrounding the origins of the first Alfa Romeo badge, but it is thought that it was inspired by Milano’s coat of arms, the city where the company originated, and still is From Edward Fox in The Day Of The Jackal, to Dustin Hoffman in The Graduate, Alfa Romeos have always had a place in popular culture. They are often considered as fiery, temperamental Italian cars driven by likeable, interesting people less concerned with cold efficiency and much more interested in being interested

     

     

     

     

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  • Cars to Watch in 2009

    Family Car 02.01.2011 No Comments
    Family car
    by bpende

    Cars to Watch in 2009

    The past year has given us many great cars and while researching cars to be released in 2009 it would seem that the future is bright indeed. In this time of financial uncertainty we all have to take better care of our money; value for money has never been more important really.

    Whether your car’s service costs a fortune or maybe it’s time for a new car insurance policy, we all need to find ways to help save some money. Right, enough of all this shop talk, let’s get down to three of the most anticipated cars of 2009.

    Nissan 370Z

    Its predecessor, the 350Z was and still is hugely popular because of its looks; interior and performance so the newbie has some rather large shoes to fill and on the surface it would appear that Nissan have done just that. The new 370Z has power, 332 bhp to be precise, we know it will handle and drive well (because the 350Z did) and reliability has never been a problem for the Japanese manufacturer, so look out for a horde of 370Z’s at a local football club in the very near future.

    Vauxhall Insignia Sports Tourer

    Now the Insignia replaced the popular Vectra and it has made quite the impression on motoring journalists the world over (even the boys from Top Gear liked it a lot). The new incarnation of the Insignia is a sports tourer, a sort of family car built for the open road and long trips, sounds idyllic doesn’t it? I am reasonably sure that the sports tourer will be quite popular as it looks great and the drive is sure to be comfortable as well. One of the big bonuses of the Insignia is that it is a reasonably easy car to own with affordable services, fuel consumption and car insurance costs. Brilliant!

    Audi S4

    The S4 has become, dare I say it, the new “trendy, fast car”, mostly because of the astounding RS4, but make no mistake the S4 is very much a player on the same field as the BMW 3 Series and the Mercedes Benz C-Class. It is roomy, cheaper and maybe just a dash prettier than its German counterparts. So look out for the gorgeous new S4 to really make an impact on the market.

    So there we have it, three of the most anticipated cars for 2009 and I am sure you will agree that they all have the potential to be brilliant, so now we can only wait and see.

    Disclaimer:
    Please note that Direct Line does not control and cannot guarantee the relevance, timeliness, or accuracy of the article above.

    Direct Line car insurance can benefit you in the New Year by offering great premiums and excellent coverage on your car of choice in 2009. Visit http//www.directline.com for a quote today.

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  • Where Can I Find a Good Bargain on Car Insurance?

    Family Car 02.01.2011 No Comments

    Where Can I Find a Good Bargain on Car Insurance?

    When one compares car insurance pricing, one must investigate different insurance companies. It implies spending many hours shopping the best rates at insurance agents nearby.

    However, you can find a deal on a car or truck easier, faster and cheaper by using the Internet You merely need to navigate to a web site offering auto comparisons and fill in the online form.

    Be sure to include information such as the quantity of coverage needed, the time frame of the policy. as well as private information. Shortly, various quotes from leading companies will be released.

    Thus, finding car insurance deals are not that difficult. Insurance comparison web sites have chat service, wherein people may ask their insurance related questions to these experts. Check out this is site when doing your search for insurance to find the best available package for you.

    These articles may be referred to for basic knowledge of ideal car insurance policies that match your needs.

    When people compare car insurance quotes from different insurance websites they typically end up selecting good insurance companies. Next, people need to see if those companies are reliable and offer expert customer service. In order to have a clear grasp of these things, people may either simply take time to visit the federal insurance governing office or browse through their web site.

    The next step is for people to discover any discounts those car insurance companies may be offering. Several car insurance companies offer discounts for different reasons.

    Mentioned underneath are some discounts offered by auto insurers who help people save a lot of money.

    Companies can waive off 10% to 15% insurance rates if people are willing to buy home insurance from them This is assuming that this is offered by them..

    If an individual insures all their family cars through them they can get a discount ranging from 12% to 20%.

    Have you installed safety devices in your automobile such as air bags, burglar alarms, interlock brakes and anti theft equipment?  If you have installed any or all of these you will get a very sizable discount.

    Insurers offer driver’s discount to individuals who have the good driving record. They also offer lower prices for infrequent drivers.

    Ian Wright can help you save money BUT only if you visit: get cheap auto insurance or instant auto insurance quotes online.

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  • Why Car Insurance For Teens is More Expensive

    Family Car 02.01.2011 No Comments

    Why Car Insurance For Teens is More Expensive

    If you have a teen who is getting ready to drive, you will find that car insurance is not as affordable for your kid than it is for yourself, unless you have a particularly bad driving record. Why is this? Car insurance in Canada for teens is more expensive because teens are more risky drivers to insure.

    Higher Rates of Accidents

    Both the United States and Canada allow teens to drive, but statistics show that this may not be the safest option. In 2007 in the United States, the National Highway Traffic Safety Administration reported that 13 percent of all drivers that were in fatal car accidents were between the ages of 15 and 20. While this percentage is dropping, as it was up 9.1 percent in 2006, it is still a danger. The statistic increases to 15 percent of all police-reported crashes that were not necessarily fatal. Canadian statistics are similar. Other statistics show that teens are as much as four times as likely as adults to be involved in an accident with a fatality.

    On top of this lies the fact many teens drive while intoxicated. MADD of Canada reports that 40 percent of teenage drivers who are killed in car accidents were involved in those crashes because they had been drinking. Statistics indicate that teens are less likely than older adults to drive after drinking, but those that do are at a higher risk than an adult to get in a crash. These two facts mean that teenage drivers must pay more for Canada insurance products for drivers.

    Possible Reasons for the Risk

    Why are teens at higher risk than older adults to be involved in a car crash? Experts think there are two reasons. First, many teens are risky drivers due to the fact that they do not always think through the consequences of their actions. They may drive too quickly in order to get to school on time or are easily distracted by other passengers in their cars. They are also more likely to text or talk on the phone while driving than an adult, despite bans on such actions.

    A lack of experience is another factor. Teens simply have less time behind the wheel than most adult drivers, which makes the likelihood that they will be in a crash that much higher. Because of this, motor vehicle crashes are the leading cause of death among North American teens. In fact, in Canada around 11 percent of all driver deaths are teen drivers, and teen drivers are responsible for over 20 percent of all passenger deaths. Car insurance Canada insurers recognize this and assign higher rates as a result.

    What Can Be Done?

    One option, which has been successfully tried in Ontario, is to implement a graduated licensing program. This allows teens to get their driver’s licenses only after completing a series of steps. This gives teens more chances to practice driving in less distracting environments. Young teens cannot drive late at night and have limits on the number of passengers in their vehicles. This can reduce teen car crashes by as much as 60 percent.

    Parents can also help by modeling good driving to their teens. As a parent, make sure that you are driving without distractions like cell phones or PDAs, and teach your child how to stay safe. Also, keep your teen accountable when using the family car, and make sure that you know who will be traveling with him.

    Teens are more dangerous drivers than adults. Teens are four times more likely to be involved in fatal accidents than adult drivers, and because of this auto insurance rates are going to be higher. Rest assured, however, that with the proper teaching and enough practice, your teen does not have to be part of this statistic.

    Offers complete home and auto insurance solutions direct to the consumer. You may obtain, at any time, a free auto, home or travel Canada auto insurance quote and buy insurance on-line on our secure site

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  • Short Term Car Insurance for Young Drivers- An Inevitable Necessity

    Family Car 02.01.2011 No Comments

    Short Term Car Insurance for Young Drivers- An Inevitable Necessity

    The driving age seems to be going down day by day. There are nowadays some instances where even kinds have scooted with the family car and then been caught by the law enforcement officers. These may be rare, but are a sign of the times when people and young ones at that are all so eager to have their own cars and also drive them about. When these young people need car insurance for short periods of time, there is a requirement for short term car insurance for young drivers. It is not uncommon for teenagers also to avail these special forms of insurance policies.

    Getting short term car insurance for young drivers is not much of a challenge nowadays. All you need to do is go online, look up a search engine and type out a few words related to short term insurance for youngsters and you would be surprised at the wide range of sites that will pop up before your eyes. There are so many websites that it may become difficult to decide which one option to prefer over the others, given the wide range of policies that are on offer. Sometimes evaluating the pedigree, brand name and respectability of the insurer is of prime importance as it determines as to whether the insurance product as well as the service would be acceptable and above board.

    Short term car insurance for young drivers does come with some riders and conditions which imply that it is not a free for all. For instance, young drivers should have a valid driving license for a certain specified period of time after which they can get the short term car insurance for young drivers. These forms of insurance also are a little more expensive than normal insurance as the company has to factor in the greater risk factor associated with young folks who can be more impetuous and also prone to rash driving. This is all a function of the actuarial calculations and terms that car insurance companies consider when providing insurance to various categories of car insurance seekers. It is quite true that a lot of young drivers can get out of hand behind a wheel as their young blood often makes them try rather silly and food hardy stunts that could get them into trouble on the road. So while short term insurance is generally cheaper, for young drivers, the rates could be higher due to the risk perception associated with people of this age group.

    Short term car insurance for young drivers is available online. Just do your due diligence and enjoy its benefits at ease.

    Simply visit http://paobbs.net for more detailed information regarding short term car insurance for young drivers. Comparing quotes is the only way to find the best deal on auto insurance. Start to compare auto insurance quotes online and find low cost auto insurance today!

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  • Car loans: ‘Blessing in disguise’ for car industry and prospective buyers

    Family Car 02.01.2011 No Comments

    Car loans: ‘Blessing in disguise’ for car industry and prospective buyers

    Some weeks ago, when Navratras started, growth in the demand of cars was noticed. If one follows closely, Maruti car models aren’t the only one which are hogging demand, brands like Hyundai, Chevrolet and Honda are also going with the flow, clocking surge of 7-10 percent in the present season.

    However, the big question which props up here is what precisely that suddenly saw a surge in auto-wheelers demand levels. But no, the cause for this demand growth is not the economy conditions but the economical auto or car loans.

    Capitalizing on the fruitful conditions, every bank be it government-backed or the private banking entity has been extending first-class financial help in terms of loan products and other financing schemes to the prospective aspirants. This attitude has even resulted into the demand for automobiles in rural areas rising.

    By the way, ICICI Bank, which is the largest private sector banking player within the Indian banking industry, is hailed for its splendid car loan solutions that can finance deals up to a maximum of 90 percent of the actual worth of the vehicle with a refunding time-period of 5 years.

    But loan borrowers are notified to substantiate their loan applications with a outstanding yearly income proof and also should have a past repayment record since they better borrowers’ chance of procuring the sought-after product.

    HDFC Bank is another name that is becoming popular for its 100 percent car funding deals. Here also, the legal specifications are different for a salaried person and a self employed person. Loans with a repayment tenure of 1-7 years, are being made available by banks.

    In case of public-sector bank, State Bank of India, country’s largest lender, is offering family-car loans @ 8 percent rate of interest which will be hiked to 10 percent in the next year.

    Similarly Canara Bank is rendering the car loan deal at fixed 8% rate for first year, 9% in IInd year and 10.5% from IIIrd to Vth year.

    IDBI too has joined the competition, providing deals on alike lines. But truly speaking, the best deals in city are with those banks which have tied up with car dealers.

    Not very long ago, Hyundai signed an MoU with Bank of Rajasthan and Central Bank thus, letting client to secure auto loans at relatively lower interest rate and commodious T&C.

    The financial institutions are also taking full advantage of recent respite supplied by Reserve Bank of India, by providing their customers with 10.5% rate of car loan products without charging no processing fee and foreclosure prices.

    With Reserve Bank of India providing alleviation to the banks and banks shifting benefits to customer base, it looks like India is very well on its way to resurgence.

    The author is a business writer specializing in finance and credit products. To Know more on car loan, personal loan visit www.paisawaisa.com/

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  • Flaunt your luxurious four-wheeler dream this season with the help car loan

    Family Car 02.01.2011 No Comments

    Flaunt your luxurious four-wheeler dream this season with the help car loan

    Recently, just when Navratras began, a surge in car-purchasers confidence was seen for family-cars like Maruti Swift, Dzire and even A-Star.

    Beside the trusted Maruti Car models, other established car brands like Hyundai, Chevrolet and Honda are also catching eyeballs, recording a increase in demand levels within the range of 7-10 percent in the current season alone.

    However, such revivification has also gained strict examination since people are reflecting over the fact that what has prompted this sharp Now the question arises that how can one be so sure of reviving economy that buying a new car is his first choice now.

    The answer is quite uncomplicated. It is the inexpensive sedan funding schemes that are being made available in a convenient style.

    Both Private sector such as ICICI Bank, IDBI Bank, HDFC Bank, Kotak Mahindra Bank, Tata Capital, Canara Bank as well as public sector banking entities like State Bank of India have been extending comfortable financing deals that has not only delivered goods for the makers but has also resulted into growth in demand levels from rural areas.

    Speaking of private loaners, the largest of them all, ICICI Bank is offering the car loan products up to the max. limit of 90% of ex-showroom price of any vehicle and that too with the repayment term of 5 years.

    However, the availability of these loans also counts on certain pre-defined conditions like the annual income as well as past repayment records.

    HDFC Bank is another corporate banking entity name in the Indian banking industry that has been offering 100 percent car-financing facilities to its client.

    However, the legal specifications here too changes for salaried person as well as for self-employed person.

    Loan products with a repayment term of 1-7 years, are being rendered by banks. In case of public-sector bank, State Bank of India, country’s largest bank, is supplying auto loans @ 8 percent rate of interest which will be step-upped to 10 percent in the second year.

    Canara Bank is supplying car loan at set ROI of 8 percent in 1st year; 9 percent in the IInd year and 10.5 percent in the IIIrd year, which will eventually carry on to Vth year.

    IDBI is also out with the similar kind of loan deals. Best offers can also be secured through the banks which are already in an agreement with car dealers.

    The recent event of Hyundai inking MoU with Bank of Rajasthan and Central Bank is suggestive of fact that customers can now get auto loans at comparatively lower interest rate and with convenient repayment tenure.

    Government bank, RBI is supplying alleviation to banks which in turn are passing on the advantage to customers by providing car loans at as low as 10.5 percent (with no processing fees and foreclosure prices).

    This exercise of passing benefits to customers is actually pulling in lot of attention from loan aspirants which might help banking segment from revival from liquidity crisis’ after-effects.

    The author is a business writer for finance and credit products. Know more on personal loan, home loan visit www.paisawaisa.com/

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  • Flaunt your luxurious four-wheeler dream this season with the help car loan

    Family Car 02.01.2011 No Comments

    Flaunt your luxurious four-wheeler dream this season with the help car loan

    With ‘season of festivities’ coming, major names in the country’s automobile segment can look forward to recording profits all over again.

    Recently, just when Navratras began, a surge in car-purchasers confidence was seen for family-cars like Maruti Swift, Dzire and even A-Star.

    Beside the trusted Maruti Car models, other established car brands like Hyundai, Chevrolet and Honda are also catching eyeballs, recording a increase in demand levels within the range of 7-10 percent in the current season alone.

    However, such revivification has also gained strict examination since people are reflecting over the fact that what has prompted this sharp Now the question arises that how can one be so sure of reviving economy that buying a new car is his first choice now.

    The answer is quite uncomplicated. It is the inexpensive sedan funding schemes that are being made available in a convenient style.

    Both Private sector such as ICICI Bank, IDBI Bank, HDFC Bank, Kotak Mahindra Bank, Tata Capital, Canara Bank as well as public sector banking entities like State Bank of India have been extending comfortable financing deals that has not only delivered goods for the makers but has also resulted into growth in demand levels from rural areas.

    Speaking of private loaners, the largest of them all, ICICI Bank is offering the car loan products up to the max. limit of 90% of ex-showroom price of any vehicle and that too with the repayment term of 5 years.

    However, the availability of these loans also counts on certain pre-defined conditions like the annual income as well as past repayment records.

    HDFC Bank is another corporate banking entity name in the Indian banking industry that has been offering 100 percent car-financing facilities to its client. However, the legal specifications here too changes for salaried person as well as for self-employed person.

    Loan products with a repayment term of 1-7 years, are being rendered by banks. In case of public-sector bank, State Bank of India, country’s largest bank, is supplying auto loans @ 8 percent rate of interest which will be step-upped to 10 percent in the second year.

    Canara Bank is supplying car loan at set ROI of 8 percent in 1st year; 9 percent in the IInd year and 10.5 percent in the IIIrd year, which will eventually carry on to Vth year.

    IDBI is also out with the similar kind of loan deals. Best offers can also be secured through the banks which are already in an agreement with car dealers.

    The recent event of Hyundai inking MoU with Bank of Rajasthan and Central Bank is suggestive of fact that customers can now get auto loans at comparatively lower interest rate and with convenient repayment tenure.

    Government bank, RBI is supplying alleviation to banks which in turn are passing on the advantage to customers by providing car loans at as low as 10.5 percent (with no processing fees and foreclosure prices).

    This exercise of passing benefits to customers is actually pulling in lot of attention from loan aspirants which might help banking segment from revival from liquidity crisis’ after-effects.

    The author is a business writer for finance and credit products. Know more on car loan, personal loan visit www.paisawaisa.com/

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