Mercedes Benz SL500, покрытый кристаллами Swarovski.
В автосалоне Mercedes-Benz-Центра появился абсолютно уникальный экспонат —
Над этой великолепно выполненной копией представленного в июне 2006 года в Дубаи Mercedes SL500 кабриолета, инкрустированного бриллиантами по заказу одного из шейхов ОАЭ, в Москве почти 2 месяца трудились специалисты из студии «Кристалл». На «огранку» кабриолета было потрачено более миллиона кристаллов Swarovski.
Кристаллы этой австрийской компании традиционно используют в ювелирных украшениях, различных предметах интерьера и сувенирах самые известные мастера. Такие высококачественные кристаллы способны придать любой вещи уникальность, сделать совершенно непохожей на аналоги, тем более, когда это касается автомобиля известной немецкой марки.Most insurance companies do not like to take the risk of providing insurance to the many bad drivers out there on the roads today unless they are well compensated. This compensation comes in the form of significantly higher rates than those of good drivers. In this case good and bad are determined by your driving record, number and type of tickets, accidents, age and gender.
Mercedes Benz SL500, покрытый кристаллами Swarovski.
Therefore, if you are one of the individuals who have had some unfortunate experiences behind the wheel, then you are most likely dealing with these frustrating issues with your insurance premiums. The sad truth of it all is that you will continue to have troubles until the reasons for it are straightened out. If you require bad driver insurance, you will inevitably pay more. Unfortunately, there is no way around that problem. However, there is light at the end of your tunnel. Following, are the four best ways to get great car insurance rates no matter who you are or what type of driving habits you have had in the past.
Work on improving your driving skills, such as taking a driving class. After doing so, within a relatively short period of time, your rates will improve. In addition, if you offer proof of your successful completion of the class to your insurance company, they’ll most likely give you a discount on your auto policy for that as well.
When purchasing a vehicle, make sure to get a car that is “insurance friendly.” Insurance companies change their rates depending upon the car you choose to drive. Before making the purchase, see if your choice of vehicle will increase your insurance rates.
Attempt to do less driving. If you put less mileage on your car every year, it will not cost nearly as much to insure. Typically, auto insurance companies use 12,000 miles per year as their average, so if you can keep your mileage below this standard, you stand a greater chance of paying out less cash in auto insurance premiums.
Last, but not least, consider increasing your comprehensive and collision deductibles. This can, in most circumstances, result in a reduction of your insurance premium.
These are just a few of the ways to reduce your car insurance rates, there are many more if you choose to do further research. The bottom line is it doesn’t matter who you are or what your previous driving record may contain, you will be able to reduce your auto insurance rates.
Cheap Auto Insurance Quotes
Posted on June 14th, 2011
There was a time when getting cheap auto insurance quotes meant you’d have to search through the Yellow Pages for a list of insurance agents, and spend the day calling them, perhaps even having to meet in their office, before you’d have a list of cheap insurance quotes that you could compare.
These days, getting cheap auto insurance quotes is much easier, and in many cases, you can get everything you need within an hour or two.
To start, you’ll want to make sure you have your drivers license number, vehicle identification number, and any other personal information that auto insurers will need to give you a quote. If you’ve had any moving violations in the past few years, keep those dates handy.
From there, getting auto insurance quotes is as simple as visiting an auto insurance company’s website, answering a few questions, and getting an instant quote. If you look at JD Power & Associates most recent list of auto insurance ratings, you’ll see that some of the clear winners are USAA and GEICO, who scored high based on their cheap rates and great customer service.
It’s also important to remember that just because a company gives you cheap auto insurance quote, doesn’t mean they are the cheapest in the long run. Many will try to bait and switch by offering low rates now, but dramatically raising your rates after a “driver history check,” or in the event of a moving violation or accident.
That being said, you should always check your current auto insurance rates against those in the industry, and anytime you can get a better deal, you don’t have a lot to lose by switching. There is no penalty, aside from losing a long-term customer discount, with changing auto insurance companies, so I try to check rates every 6 months or so, upon time for my semi-annual renewal.
In most cases, if you find a cheap rate that saves you money, then you can cancel, switch, and have your new ID cards in less than 24 hours. Some auto insurance companies will require an inspection, but they usually give you 30 days to get this done.
At the end of the day, getting cheap auto insurance is as easy as going online, filling out a few forms, each asking the same questions, and comparing rates between companies. The only caveat is to make sure that when comparing rates, you are comparing rates for the same coverage.
Bad Credit Auto Loans
Posted on March 18th, 2011
Having bad credit makes it nearly impossible to live any semblance of a normal life. It’s hard to get a mortgage, banks don’t want to touch you, and if you need to get a bad credit auto loan, you can expect to pay upwards of 10-15% APR, which is insane when you consider that many auto owners, those with good credit that is, can get 0% APR loans.
That being said, if you are dead set in buying a car with bad credit and or need new transportation, then there isn’t much you can do besides trying to get a good deal on a loan.
The best way to get bad credit auto loans that won’t kill you is to shop around. There are many places, such as Capital One and HSBC, which offer decent deals for new and used cars. Also, if you have a good reputation at your small bank or credit union, then they might be willing to give bad credit auto loans provided that you put some money down.
If you are in the military and have bad credit, then you shouldn’t have a problem, as many car dealers offer special programs for military members.
Another great way to get bad credit auto loans, if you can swing it, is to have a co-signer with good credit. This can be a friend or family member willing to co-sign and put their name on the bank note. Of course, if you don’t pay, then they’ll get hit too, but if you get a loan in this manner and pay it on time, then you should have a much easier time getting an auto loan in the future.
If you’re still having trouble, you can always try a corner lot dealer with a buy here pay here financing option, but I would only use them as a last resort, as many times they offer ridiculous rates and charge penalties for paying your loan early.
Once you have a loan in place, if the rate is above 10%, then wait about 6-12 months and look to refinance at a lower rate. You should be able to shave at least a few points off the rate, but just make sure that you don’t add more time to the loan, as this will cost you more than the few percentage points you’re already paying.