Car Insurance

Whether you own a Rolls Royce or a bomb, car insurance is a MUST for all car owners. With so many car insurance providers available, choosing the right car insurance can be difficult. So where do you start the process of understanding the car insurance maze and car insurance policies?


1. Get car insurance quotes from the most reputable car insurance providers.
2. Compare car insurance quotes but make sure you are comparing apples with apples. Same level of car insurance and same features on the car insurance policy.


Levels of car insurance to compare:


- Comprehensive car insurance.Comprehensive car insurance is the best level of car insurance you can get. It is the most expensive but if things go wrong you will be totally covered regardless of who is at fault.


- Third party car insurance. Third party car insurance is the absolute minimum car insurance cover any driver should have. Your car may not be worth much but imagine the bill should you be at fault in an accident with that Rolls Royce. Third party car insurance will cover any damage you cause but your car is not covered at all.


- Third party car insurance options. Some car insurance providers offer options with third party car insurance. 


- Uninsured motorist policy option. This covers your car should you be involved in an accident with someone who has no car insurance and it is not your fault.


- Fire and theft option. This covers your car in case of fire and/or theft.


These options usually don't cost much more than the basic third party car insurance cover and handy to have, even if your car isn't worth much. Imagine, should your car be stolen or written off, could you afford to replace your car without the above options included in your car insurance policy?


Features of car insurance policies to compare:


Some of the most common features on car insurance policies are,


- Market or agreed value. Market value is based on the current market value if your car if sold. This is the amount you would receive should your car be written off. Agreed value is the amount that you and your car insurance provider agree on regardless of the market value.


- No claim bonus. The no claim bonus offers discounts on your car insurance premiums based on good driving history. The more claim free years the higher the discount.


- Hire car. If your car is stolen or damaged and you have opted for a hire car option in your car insurance policy you can hire a car for a certain time and amount as stated in your car insurance policy.


- Windscreen protection. Should your windscreen be damaged or broken then you will not have to pay to have it repaired.


- Excess. The excess is the amount you pay when you make a claim. You can select your excess amount on most car insurance policies. The lower the excess, the higher the premium and the higher the excess, the lower the premium.


Finally, be sure to read the car insurance policy so you have a good understanding and are well aware of what the policy does cover and what the policy doesn't cover. If you're not sure of anything then ring the car insurance provider and ask before you commit.


Car Insurance Guides

Used Cars

Buying a used car can be a bit of a time consuming process but it is a decision that should not be rushed into.


My 16 year old is about to get her learners permit so we have started the process at looking into the best used car for her.


There are so many things to think about before buying a used car:

• set your budget and don't forget to include registration, insurance, stamp duty and transfer fees.

• do your research. Have a look at what's out there and get an idea on current market prices of used cars.

• where to look - go window shopping at used car dealers, read expert reviews and have a look at the many used car guides available. Best guides in Aust - Red book, cars guide, car sales and drive. Best guides in US - Kelley blue book and Nada blue book.

• where to buy - buying a used car privately can be cheaper but there is no warranty and no legal obligations to the seller should things go sour. Buying a used car through a used car dealer may cost a little more but you get a warranty, you get a cooling off period and you may be able to trade-in. Used car auctions can be cheaper but be sure to ask about auction fees and there is no warranty.

They say you should never trust a "used car dealer". DON'T!!! 

Have your budget, do your research and when you are ready head out there with someone, preferably someone who knows a bit about cars.

Happy Used Car Shopping.

Used Car Buying Guides

Car Games

Whilst doing a search for car games I came across an interesting definition that took me back years. Of course now days when you think car games you think, PlayStation car games or Nintendo car games and the like. The definition I came across referred to car games as games played in the car to pass the time on long car journeys. Remember the days of "eye spy with my little eye"?


Anyway enough of the yesterday. I really was looking for car games as we know them today.


I was looking for the most popular car games to purchase one as a gift for a friends son who spends all his spare time playing car games, he just loves them.


The car game variety is endless so I discovered, and so many of the "free" online. One of the most popular car games I came across is Happy Wheels or Happy Wheels 2.


Happy Wheels or Happy Wheels 2 is a free online car game where you choose a vehicle and try to make it to the exit in one piece to then go on to the next level. Maybe I can give him a print out to the link of Happy Wheels or a print out of all the free online car games! Perhaps not.


OK I found what I was looking for on Amazon. I will get him a new car game "Rage", due to be released on October 4, 2011 but I can pre-order now, he is sure not to have that one. And I will include a print out of the Happy Wheels and Happy Wheels 2 links as well as all the other free online car games.


Problem solved :)


Video Car Games
Car Game Downloads