My Car Insurance Life |

Gerry B asked:


You’ve decided to learn how to convert gasoline to electric car of your own. It’s not that difficult of a project either. You just need to follow these simple steps-

·        Find a vehicle (any vehicle will work)

·        Get detailed plans on how to convert gasoline to electric car

·        Obtain deep cycle batteries and a large DC motor for power

·        Various parts and accessories

 

The nice part of this whole process is that you don’t need any special tools to do the conversion. Regular tools found in any home work shop will work. You will need a garage or shop to work in although you can do the conversion outside in your laneway if you have to.

After doing 3 conversions according to the plans we would suggest you locate a good helper as well. At times having a second set of hands is a good idea.

Learning how to convert gasoline to electric car is really about matching your DC motor used to power the car with the available battery supply.

In order to achieve the desired range between charges of over 200 miles you will need about 20 deep cycle batteries. You can even find free batteries and free DC motors that will work great for your electric car conversion if you follow the detailed plans carefully.

The DC motors are large and heavy but easily last the lifetime of your electric car, and possibly a second installation as well.

Try and find the lightest small car or truck that you can find for the conversion. This will insure good range between charges.

What we were really amazed at was the acceleration and speed of our new electric car. This is not a slow electric golf cart you are building. It is quick, responsive and smooth.

At stop lights you will be able to keep up with any vehicle off the line.

Although most Electric cars are designed for in town, you will find that you can travel easily at 50 mph on the highway too.

The whole process of learning how to convert gasoline to electric car takes about 2 weeks or so to complete depending on your abilities and persistence.

That’s not bad, considering you will not have to stop at a gas station ever again.

Did you know that gas prices are expected to top $7 per gallon next year?

Isn’t it time you did your own electric car conversion? Let’s get started.

Learn How To Convert Gasoline To Electric Car is the best place to start to learn all there is to know about doing this yourself, and producing renewable energy to power your car, it’s easy to figure out how to convert gasoline to electric car for yourself.

To learn more visit this site and click on the link CONVERT2EV .

Kade Phillips asked:


When they first appeared on the roads, people were puzzled. The cars were very different from their gas guzzling predecessors - even looked different. Word began to spread, and today, a nation is convinced: hybrid vehicles have a bright future.

With their efficient fuel economy and environment-friendly operation, hybrids have captured the imaginations of an entire generation. In October 2005, the public was given another reason to considering purchasing one: discounts on auto insurance rates. During that month, Farmers Insurance Group of Companies announced a broad 5% reduction in auto insurance premiums for all policyholders who drove hybrids. They became the first insurance company in the U.S. to do so. In February of the following year, Travelers Insurance Company launched an across-the-board 10% discount on their auto insurance rates for drivers of hybrid vehicles.

Today, millions of other drivers, insured with different auto insurers wait anxiously for their own premiums to be reduced. As hybrids become more popular each year and their number continues to grow on the road, other insurers are likely considering making similar moves in their customers’ rates. Below, you’ll learn why Farmers Insurance and Travelers Insurance lowered their rates, why other insurers have not yet done the same and the outlook for hybrid owners’ auto insurance premiums in the years to come.

Reasons Why Low Cost Auto Insurance May be Available for Hybrids

Auto insurance companies calculate the rates they charge their policyholders based upon a set of criteria. These can include the age of the driver, driving record, aversion to risk while driving and other factors. If they offer a policy to a driver of a normal vehicle, they use formulas to determine what the likelihood is for that driver to make a future claim. Drivers who are considered “safe” or less likely to be involved in any activity for which a claim can be made are offered a policy with lower cost premiums.

Experts in the auto insurance industry claim that the reasons why some insurers can offer low cost auto insurance rates to those who drive hybrids is due to their driving profiles. In effect, the assumption is that people who drive hybrid vehicles are likely to take less risks on the road. They’re considered more safety-conscious than their peers who drive non-hybrid cars. Further, drivers of hybrids tend to be older than drivers of other classes of vehicles. These people can be placed into a “preferred class” by their auto insurer. They’re considered “better risks” who are less-likely to make claims in the future. The lower the likelihood of claims from a driver, the lower the premiums usually extended on the policy - therefore, low cost car insurance may be possible from certain auto insurers.

Why Some Auto Insurers Won’t Cover Hybrids

Despite the attention-getting moves made by Farmers Insurance and Travelers Insurance, many auto insurers are leery of lowering rates for their own customers who drive hybrids. They contend that hybrid vehicles are still relatively new. They’re more likely to need repairs. Plus, hybrids use different electrical components than do non-hybrid vehicles. Auto insurers such as State Farm have argued that these electrical components may cause harm in the event of a traffic accident. Combined, some car insurance companies claim that there is not sufficient evidence that definitively shows that hybrid cars and the people who drive them pose less risk to the insurer. So, depending on your insurer, low cost car insurance may or may not be available to you.

The State Of Auto Insurance For Hybrids

Hybrid vehicles continue to gain popularity. This is due to their efficient fuel economy (arguably a very attractive feature as gasoline prices rise), and the fact that hybrids are far more friendly to the environment. Many drivers want to avoid cars that burn fuel and add pollution. So, they purchase a hybrid. Federal tax credits for drivers of hybrid cars may also be a motivator. As more people begin driving hybrids, it’s likely there will be increased pressure for other auto insurance companies to lower rates. Ultimately, many insurers may feel compelled to follow the lead of Farmers Insurance and Travelers Insurance in offering low cost auto insurance to hybrid owners because none of them want to be seen as environmentally insensitive. There’s a lot to be gained by an association with a good cause.

Rebecca asked:


Do not take car insurance for granted. It can save you the worry of getting buried in debt once you get into trouble with it. Some people think that insurance only takes care of a car when the car gets into an accident and so people who do have never been in a major accident in all the years that they have been driving tend to forego insurance. Accidents are not the only incident that insurance covers. There are various types of car insurance coverage and they can cover your back even if you are the one that caused an incident.

Your car insurance will cover more than the cost of collision when you get in an accident. Collision coverage is the most basic type of car insurance coverage as it covers the cost of repairs for the damage when your car hits something. If you have the tendency to be reckless and you hit something like an electric post, then liability coverage will take care of the damages you incurred. If others were injured because of your recklessness or carelessness then your liability coverage will also take care of their medical bills. Think about how much you are saving at this point.

Other coverage includes medical coverage that takes care of your bill if you were injured in an incident involving your insured car. It also pays for the medical bills of other people that might have suffered injuries due to the incident. Personal injury protection will cover your medical bills alone and not those of others who have been injured in the incident. Your car insurance can also have comprehensive coverage where damages that are not caused by collision are covered. For instance, if your car was damaged by a fallen electric post or a flood then you would be thankful for comprehensive coverage.

More information like those mentioned above can be found in online where you can also get insurance quotes. If you compare insurance quotes then you can get a cheap car insurance. You can also get information on what type of coverage you can get because the type of coverage that a car insurance include depends on the laws of the State of your residence. It is probably wiser to settle for a cheaper car because you can match it with cheap car insurance as opposed to when you have an expensive car that needs to have expensive car insurance. In the end, keep in mind that you need to assess the insurance policy that you should get for your car as well as taking your budget into consideration. If you do not do enough research, you can end up deceived by fraudulent insurance companies.

kevin Kuper asked:


If you live in the UK the car insurance you choose can make a difference in the carbon footprint you and your car leave behind.  Companies like The Co-operative allow drivers to do their part to fight global climate change by allowing those drivers to offset 20% of their car’s CO2 emissions.

Why Carbon Offsets?

Many drivers do not realize just how big an environmental impact is created by their daily driving habits.  While many people need a car to get back and forth to work and school, there are steps drivers can take to reduce their impact on the environment.  One of the most effective methods is to use carbon offsets.  Each time we drive our cars carbon dioxide is released into the atmosphere, and that CO2 contributes to global climate change.

When you buy carbon offsets – or let your insurance company buy them for you – you will be funding projects designed to reduce emissions, and this in turn reduces your impact on the global environment.  When you buy a policy from The Co-operative the company offsets 20% of your CO2 emissions, helping you feel better about your driving while helping the environment.

In order to provide those offsets The Co-operative calculates the amount of carbon dioxide the average car put out.  The company then makes a donation equal to 20% of that amount to fund projects that are designed to offset the damage.  These projects include rainforest reclamation, energy efficiency projects and funding for alternative sources of energy.

For instance, The Cooperative may invest in research projects designed to make solar power and wind power more affordable and available to average consumers.  Or they might fund research into natural gas and how it can be used to power vehicles, or projects that help to bring plug in electric vehicles to market more efficiently.  All of these projects are designed to lessen the driver’s impact on the environment at no additional cost.

Chris Jensen asked:


One of the latest trends in our world today is building an electric car. Yes, our own electric car. It has become popular nowadays because of the benefits that it brings most especially to our environment. Most of us know that that the smoke emitted by cars  contribute much to air pollution which  makes the world we live in dirty and it brings about illnesses. So, how to build your own electric car? Is it easy to do? How much does it cost?

Click Here For Electric Conversion Made Easy Instant Access Now!

Electric cars? Well, yes. It seems weird but it can be done. You can do it yourself. How to build your own car is easy. Just make sure that you will know what to do and what things you need to start converting your car into an electric car. You can as well consult a car specialist on this or somebody who knows electric car conversion or building.

Before you can start building your electric car, you should have a car . The most important requirement of all is to have a car. How can you convert a car into an electric one if there is no car to convert? Choose a small, compact car for it is easier to convert.

Remove anything that contains gasoline or related to gasoline like the exhaust, gas tank, engine, fuel lines, filter and many others that may store gasoline. Remember not to dismantle the Transmission.  Next step will be to attach the electric motor to the transmission then be ready to put in the car the motor. Know what batteries you need then have a controller which can control the rotary power between the motor and the batteries. Since you have an electric car, make sure that you properly install the cable of the gas pedal to the potentiometer. Make sure to have your car registered and insured for safety and legal purposes.

Electric car are not that easy to build or convert, if you find it difficult to do, have an expert help you. How to build your own electric car may not be easy to do as it sounds  but give it a try. If you are really determined to go green and help the environment then do what you think is right. Electric cars may not be cheap but consider the benefits and see if you are ready to buld your own electric car.

Click Here For Electric Conversion Made Easy Instant Access Now!

David Thomson asked:


While the majority of homeowners switch around when it comes to getting the cheapest deals on their gas and electricity many are failing to consider switching when it comes to their car insurance. However just because the deal you got last year on your insurance was the best available, it does not mean that the same will apply this year.

Just as with any type of car insurance when buying online you have to take extreme care when choosing a policy. The easiest ways to get your quotes for the cover is to go with a specialist broker and allow them to search around on your behalf to get you the cheapest deals and the key facts of the policy. By allowing a specialist broker to look for car insurance on your behalf you could make huge savings based on the policy you took out last year. It is a well known fact that insurers will offer low cost insurance to those taking out a first policy with them and then slowly bump up the cost year after year, which means that the 43% who have just renewed their policy year after year might well be paying over the odds.

However just as important as getting cheap premiums for your car insurance is getting the right cover for your circumstances. Insuring a second hand car for fully comprehensive will be costing you more than had you chosen third party fire and theft and providing third party is adequate you could save money. Reading the terms and conditions of the policy is also essential then it comes to taking out insurance as this is where the small print can be found and how much the total cost of the insurance will be along with exclusions.

Paying cheap premiums for your car insurance is ok providing you know what the cover entails and that it is adequate for your particular circumstances. If you go with a specialist broker online then you can be sure that along with searching the top UK insurance companies for the best deals they will also gather together the key facts of the policy. You should go over the terms and conditions with a fine tooth comb to ensure you have all the cover you need, one policy might come with very low premiums but if you then have to start adding on such as windscreen damage and breakdown cover this will boost up the cost considerably.

Comparing premiums for car insurance and switching providers every year should be classed as essential and so should comparing the key facts and small print. Never be tempted to take out insurance solely on the “bargain” premiums without first reading the key facts, instead get tailor made insurance with a specialist broker along with free honest advice. It costs nothing to get advice and to allow a specialist to shop around on your behalf for the quotes, so you have nothing to lose and everything to gain by getting quality insurance while at the same time making savings.

Dan Bodrero asked:


Now that you have your own set of wheels, customized with the latest sound system, hydraulics, and sheepskin seat covers, it is high time that you pick the best car insurance policy for it. However, choosing the perfect insurance policy for your car can be tricky, especially with the ever increasing number of auto insurance companies parading their great deals and good standing in the driving community.

When choosing an auto insurance policy for your car or truck, it is wise that you investigate first and check what each company has to bring on the table and see if it fits with the liability coverage you want, from windshields to accident damage repair, to car replacement.

Your liability coverage should depend on where you frequently park your truck or car and how you are going to use it. The less risky your driving conditions are, the less an insurance company is going to charge you. Also keep in mind that in environments where heavy traffic and vehicular accidents are the norm, it is best that you include collision as part of your liability coverage. It would be more costly, but at least you’ll get yourself covered.

If you are a student, aim for higher grades and a clean traffic record. Most of today’s auto insurance companies offer discount for “good student” drivers. That said, student drivers living in a high-risk traffic atmosphere are likely to get charged with high rates, even if they are driving older model vehicles.

Now that you have a grasp of what your liability coverage should include, the next thing to do is to get that truck of yours insured.  Make sure that you shop for the right auto insurance policy maker. While there are many cheap options available, affordability in this industry does not necessarily entail quality.

Begin by making a list of the insurance companies in your area and start checking them one by one. The important things to note down are: 1) how long have they been doing business (thus giving you a picture of their financial strength), and 2) what others are saying about them.

Another thing to consider when getting a car insurance policy is the price of the car — engine, frame, car seat covers, and all. The more expensive the car is, the higher the insurance rate. Expensive cars also entail big costs on maintenance and repairs, such as costly fuel prices, an important element in the equation.

Of course, there are some instances that are not covered by auto insurance policies. Listed below are some of those instances:

•    Mechanical, structural or electrical failure

•    Downgrading, wear and tear, and rust

•    Costs  of repairing defective or worn out tires (although other damage from any resulting accident will be covered)

•    Wages lost because you cannot use your car

•    Customizations made on the car that deviate from the specifications of the manufacturers

Also, most policies do not include car loss or damage if you drove your car in unsafe conditions, such as lightning storms, when you knew or should have reasonably known that it was unsafe to drive.

Anthony Peck asked:


In today’s pressed economy saving money on everything from car insurance to toenail polish is almost a religion. Everyone’s looking for the best way to get a good deal on the things they need to buy, and as time goes by they’re getting more creative about making it happen! Here’s a sneak peek at some of the strangest, oddest and funniest ways people are coming up with to tuck more money away in their savings accounts:

1) Have you considered quitting your job in true “Office Space” style, giving up commuting to and from work and working from home doing piecework? Not only are you absolutely guaranteed never to have to drive back and forth to work again! (These companies deliver the supplies you need straight to your door).

2) Become a hermit. Take that one step further. If you become a complete hermit, growing your own food and eschewing society entirely, you’ll never have to worry about going out in traffic and running the risk of having an accident. And when you pick up a laptop and sign up for an MMORPG like Aeon or World of Warcraft you can still get plenty of social stimulation from the comfort of your soft, comfy computer chair.

3) Follow the example of the Amish and give up cars and modern appliances entirely. Not only will this save you a small fortune in car insurance (it’s impossible to insure that which you don’t have) it can also help you save big on your electric and water bills while they’re at it! And you’ll have some great arm muscles from doing laundry in the laundry tub-that’s a LOT harder than it looks!

4) In true Bridget Jones style, start working for one of the major car insurance companies. Cajole, seduce or blackmail the boss into giving you an employee discount on your coverage-or even handing over a high quality policy for free with a little tweaking of the books. (Just for the record, I don’t recommend you actually try this one.)

5) Cut a deal with your local repair shop. This has absolutely nothing to do with your car insurance premiums and everything to do with one of the nasty little side effects of having car insurance-having to pay your deductible. Deductibles can range anywhere from $200 to $1,000 (or higher) per incident. Raising your deductibles will lower your car insurance rates. Then, you can follow in the footsteps of an Associated Content writer I was reading the other day and cut a deal with your local repair shop. This particular writer had a $1,000 deductible which she “traded” for $1,000 worth of advertising with her local garage.

6) Carpool everywhere. I like this one-economically and fiscally sound! And you get the chance to get up close and personal with all the people in your life who matter the most every…single…day. Hitch rides with your neighbors, your friends and your co-workers. Refuse to go anywhere if you can’t take the bus or the car. Always insist someone else drive when you’re out and about. Then tell your car insurance company all about your low mileage at the end of the year. You may wrap up the year with nobody speaking to you, but your car insurance rates are guaranteed to be absolutely stellar.

Ally Marten asked:


So, you think you would like to buy an electric car?  Maybe, you’ve seen lots of stories in the press about electric car technology being the way forward, or you want to reduce your environmental footprint, or perhaps you just want something a little different and think they look cool.  Across the world in recent years, major advances have been made with electric cars, however what does this mean for someone wanting to buy one, particularly if you are based in the UK.  What should a new electric car buyer consider?

At a basic level, buying an electric car is extremely similar to buying a standard petrol or diesel car.  The same basic isses apply and you want to think about:

What will you primarily be using the car for?  This impacts on everything. Do you need to carry lots of passengers or kit, think size, number of seats, storage space? How far and at what speeds do you regularly drive? Will you need to be able to park it near work? How will you charge it?

 

Electric Car Performance

The performance (speed, distance, charging time etc) of electric cars varies considerably.  In general, the better performing the car the more expensive they are e.g. the Tesla Roadster - great performance but a serious price tag too (you won’t get much change from £100,000 to buy one in the the UK!!).  However, manufacturers are beginning to offer a range of vehicles from the 2 seater city runabout, to larger 4 and 5 seater saloons and MPVs, up to small commercial vans.  You can buy a new small electric car in the UK for under £10,000.  For those interested in cars specifically available in the UK and how they compare you can find a great electric car comparision tool here.

Current electric vehicles aren’t really ideal for that weekday 100 mile motorway commute (not yet!).  Electric cars are really a city option.  This is partly due to limits on maximum speeds (most topping out at around 50mph) but also the related issue of battery charging. 

Infrastructure for Electric Cars

Most electric cars can only go some 50 miles on one charge.  Cities are also where the infrastructure to support electric cars is concentrated.  In the UK, we are talking London first and foremost although there are some limited options for free electric car charging elsewhere in the UK e.g. Manchester, Bristol etc.   In many places electric cars also qualify for free parking and are exempt from things like congestion charges.

Following on from this is also the issue of servicing and maintaining your electric car.  This is going to be easiest in the big city where you purchased your car.  Hopefully, however some of these infrastructure restrictions will be lifted sooner rather than later.

Buying an Electric Car

Once you have decided what you need your electric car for and how you plan to use it you then want to:

Decide what you can afford Read reviews, compare prices and shop around. Speak to dealers - there are a number of retailers now based in London who will be keen for your business. Remember it is also possible to buy second hand.

 

Electric cars are not cheap to buy however they are cheap to run.  A slightly cheaper option though would be a second hand electric car.  Although, the second hand car market is extremely small there are some cars out there.  Just remember to look for a full service history, a warranty if possible and check the battery age (try and get the seller to put in a new battery to help sweeten the deal!)

 

Lastly, it is worth noting that the electric car market is not like the conventional car market, changes are more rapid. New (and better) electric car models are coming out every year, it may be worth waiting 12-24 months to get the right electric car for you. 

Bryce Stone asked:


Electric cars are hybrid cars that not only save people on fuel but are also environmental friendly as their emissions are lower compared to those from cars that use gasoline. Rebates in form of car tax incentives have been introduced in a bid to attract more users to the hybrid vehicles. Different states applaud their use and they have taken it upon themselves to paying their users. This is supposed to entice more people into switching from their regular cars to this energy saving and environment friendly ones. The rebates run under several programs according to different states. To conserve energy, there are people who are dedicated to ensuring that the energy is conserved in these cars and that their emissions are zero. To enhance the effectiveness of these cars, they have been fitted with sun and power point trackers that improve their general performance and efficiency.

Rebates come with conditions that regulate their functions. In the Federal Hybrid Rebates, electric car users must buy the cars for their own personal use. The car must be brand new at the time of the purchase and driven in the United States. This car must comply with the emission requirements of all states and federals. The rebates for these cars come in tax exemption of about 2000 dollars but this is subject to change. The rebate programs available vary from state to state and the model of the electric cars as well. The Colorado Hybrid Car Rebate users are given credit by the government to purchase vehicles for conversion to use alternative fuel. The condition is that this vehicle must be bought and registered under Colorado laws. The rebate requirements insist that the application to have the car converted must be made not later than 12 months after its purchase. The owner of the car must write to the leasing firm to authorize the rebate application. The car must be registered and titled in the State of Colorado.

The Maine Hybrid Car Rebate allows a credit of 500 dollars for cars like the Honda Insight and Toyota Prius which are without a vehicle model they are comparable to. For cars with a comparable model, a credit of 300 dollars is allowed. Such cars are like the hybrid Honda Civic which is gasoline powered and it is comparable to others. The Louisiana hybrid car rebate gives car owners a rebate of 20% of the cost of converting their cars into energy saving cars. They also give 20% to aid in the purchase of the car to be converted to use alternative energy. This arrangement only works for vehicles that are registered in Louisiana. The total credit given is calculated from the total cost of buying the car and conversion to a hybrid car. In New Mexico, car owners who wish to convert their cars are given exemption from paying motor vehicle taxes. The cars that qualify for this exemption are the ones whose engines can be heated by combustible fuel and they possess a device for energy storage. Due to increased demand for rebates, users are subjected to a basis of first come first serve.

Find the best deal on the auto insurance coverage you need.  Visit us today for money-saving tips and receive free quotes from respected insurance companies for the coverage you need.