Auto insurance could be very expensive. Even if you shop around, the insurance rates could still be overwhelming. Car Insurance rate is determined by different factors. It could be affected by type and make of car, driving history, how often you drive, resident location and other factors. By understanding these we could draw out several ways on how to get the best auto insurance rate.
Buying used Porsche you need to examine it carefully. Look if there is any sign of rust or corrosion on this car. Porsche are very sensitive to these natural processes and it is expensive to repair it. Take a close look to the rocker panels, battery area and floor boards. Ask for the service records of this car. Think about money you would spend for the maintenance of the car and money needed for buying a new one, so keep in mind that examination of the used vehicle is very important.
Test the car! If you feel some discomfort while driving it or if you are worry about something in this car, think twice before buying it. If you have found it over the internet and you cannot come to test it, give money to a mechanic to do it for you. Pay attention to the engine: how it works when it is cold. Try the handle and the gearbox – they should be stable, as well as brakes and steering.
They’ll ask you if your car is garaged overnight. This is because statistically cars left on the street at night run a much higher risk of theft or damage than if it’s safely tucked away in a garage. Even having the car on a driveway can help.
The next step is to determine whether or not you are behind on your mortgage. Being behind on your mortgage and filing a Chapter 7 will cause you to lose your home. Thus, even if you are only one month behind, you will have to do a Chapter 13.
Now you have to look at your income and expenses. List everything you spend money on in a month. Average out your Car Insurance, medical costs etc. Next average out your income to a monthly amount. The difference between you income and your expenses is your left over money every month. For a Chapter 7, this amount should be under $50. This is because you are trying to show the court that you are too poor to pay your creditors. You can adjust your expenses here and there to help get to the desired figure. But don’t lie! That is fraud and perjury. If no matter what you have more income at the end of the month, you will have to file a Chapter 13. This is because you have enough money to at least pay them 10 cents on the dollar.
A lot of states have it set up where if you do not carry insurance on your vehicle then guess what, you could very well loose your license, be faced with fees, or maybe even have your car towed away! You do not want any of this to happen to you.
Green options are coming down in price, and this is fantastic. I’m luckier than most. I can just about afford the lower end of these services. However, until we get to the point where environmentally friendly products are the cheapest on offer, we will not be able to move to a greener society.