Monday, August 25, 2008

How to Add Brake Fluid to the Clutch Master Cylinder

Cars with manual transmissions use either a clutch cable or a hydraulic system. If your car has a hydraulic clutch, you must check and add brake fluid to the clutch master cylinder when you check all the other fluids. See your car owner's manual to find out what grade of brake fluid your car requires (DOT 3 or 4).



Step1
Find the clutch master cylinder's reservoir. It looks like the brake master cylinder's reservoir, but it's smaller and usually closer to the driver's side fender.


Step2
Clean the top of the reservoir with a rag so debris won't fall in when you open the cap.


Step3
Remove the cap and check the level (see illustration). The cap may screw off counterclockwise or may pop off. There may be low and full indicators. If not, the full level should reach the top of the reservoir.


Step4
Add brake fluid if the reservoir is low, using a funnel to avoid any spills.


Step5
Replace the cap.


Step6
If the fluid was low, recheck it weekly for a few weeks to make sure your car doesn't have a leak.

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Tuesday, August 19, 2008

How to (easily) get the snow off your car

Have you ever used a long-handled ice-scraper in a failed attempt to "sweep" the snow off your car's rooftop? No more. These are not made to sweep effectively. Here's how to achieve a snow-free vehicle before you trek to work.


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Step1
First thing to do is to start your engine and turn your defrosters on. This is to warm your vehicle to the proper operating termperature, and effectively loosen some of the frozen snow if applicable. Put your gloves on and grab a plastic-bristled, long-handled kitchen broom.


Step2
Start at the very middle of the roof and push the snow from the driver side to the passenger side, effectively causing the snow to fall off onto the ground. Continue on the roof until all of the snow is pushed off.


Step3
Next, sweep off the back of your vehicle, including window/hatch/bumper, etc. After that, sweep off the hood of your car including your windshield and bug deflector, if applicable.


Step4
Last thing to do is clear-off the sides of your vehicle, simply sweeping in one long stroke. The snow just falls off. Make sure you sweep off your mirrors as well.

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Friday, August 15, 2008

How to Find Insurance Records from a Previous Owner of a Car

Obtaining relevant documents, including insurance papers, about a used car from the previous owners often seems difficult. Often the difficulty arises after the car's previous owner has sold it. Insurance records often are not readily available or accessible. That can complicate things when the new owner attempts to renew insurance coveraage. Additionally, in case of an accident, the absence of relevant documents could lead to delays and complications in processing your claim. The best way to avoid these problems is to collect all relevant information and documents before making any deal.


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Step1
Contact the local Department of Motor Vehicles (DMV) and request a copy of the last title transfer of the car you are buying. Depending on where you live, this report can cost between $12 and $18. This report will give you accurate details on the current and or previous owner, his or her name and the contact information.



Step2
Contact your state's Department of Insurance for sources that can provide this information. If you can locate the previous owner, ask him or her to provide the details. The previous owner is likely to oblige since he or she already has sold the car. In some cases, the documents obtained from the DMV may identify the prior owner's insurance company.



Step3
Call the insurance company's customer service number, usually listed on the Internet or in the Yellow Pages.



Step4
Ask the company to provide all information or a photocopy of the previous owner s insurance coveage and any prior claims.



Step5
Make sure that you request the information only for the car you want to buy, not for any other car possessed by the previous owner.



Step6
Seek more professional help by spending a few dollars. Provide the information about the car that to a professional agency such as CARFAX. It will send you reliable details about the car you want to buy.


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Tuesday, August 12, 2008

How to Know if Your Insurance Covers You in Someone Else's Car

Insurance coverage is compulsory for all vehicle owners and obtaining an insurance policy appears to be very simple. Understanding all the clauses mentioned in the policy can be a cumbersome process for the people who drive the car. The two basic insurance policies usually available are Liability and Comprehensive . In most states, coverage for damage to non-owned vehicles, such as rental cars, is no longer provided under the liability clauses. A comprehensive policy provides more coverage for at least one of your personally owned vehicles in order to claim compensation. You will not be covered for damage to vehicles that you rent or borrow under the Liability policy. The best way to determine this is by asking your insurance agent or the company at the time of purchasing a policy.

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Step1
Contact an insurance company or agent before purchasing a policy. Convey all the points that you want to include in the coverage.



Step2
Be sure that you understand all the clauses mentioned in the policy you are purchasing.



Step3
Get clarification from the agent or insurance company that the policy will cover driving a third-party vehicle.



Step4
Find out how much the additional collision and or comprehensive coverage will cost you.



Step5
Consult legal experts, if necessary, before paying the stipulated premium.



Step6
Choose wisely.


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Monday, August 11, 2008

How to Insure Someone Else s Car

Most insurance companies have their own set of rules when it comes to insurance policies and sometimes there is an ambiguity about whether or not you can insure someone else's car. According to some legal experts, an individual is not allowed to insure in their name any property belonging to someone else. This effectively means that you cannot insure a car belonging to your friend or a rental company. The person who owns the vehicle has to get it registered under his or her name and only then would they be eligible to obtain insurance coverage. However, if you drive someone else's car occassionally, then you can seek a non-owner's insurance policy. Typically, such policies include liability, medical and uninsured or underinsured motorist coverage. Non-owner's insurance policies generally do not include comprehensive coverage, monetary protection against collision or reimbursment for towing and rental charges. This applies to all vehicles you might rent or borrow with permission. You can also take out insurance for somebody else s car when it has been in your custody for one one reason or another. Follow these steps to determine if you can insure someone else's car:




Step1
Determine that the vehicle you are planning on insuring is registered under the name of the owner. It may belong to a friend, relative or rental agency.


Step2
Go online and visit the Web sites of several insurance companies to learn about their policy options. Read the information carefully and thoroughly.


Step3
Set aside the names of insurance companies that offer non-owner s insurance.



Step4
Use the customer service phone number mentioned on the Web site of each company to contact an agent or customer service representative to learn more about your options.


Step5
Tell the agent or representative that you wish to use a car owned by your relative, friend or a rental agency, whichever the case may be.


Step6
Inform them of the situation clearly and explain that you are planning to obtain separate insurance coverage for the vehicle in question. Be sure to mention that you are interested in getting a non-owner's policy.


Step7
Follow the procedures for obtaining non-owner's insurance offered by the company if the quote is acceptable to you. If not, contact other providers untill you get one that is.


http://www.freewebtown.com/howtodothing/cars/4.htm#1

Friday, August 8, 2008

How to Compare Car Insurance Companies

When it comes to shopping for an auto insurance provider, it becomes apparent that not all of the policies are created equal. Some insurance companies will approve your claims with great speed and efficiency, whereas some may get on your nerves with a series of questions and paperwork before getting your claims processed. It's important to compare car insurance companies to get an overall idea of their market reputation, credibility and accountability.


Step1
Compare ratings between different companies to get an overall view of their reputation. Organizations such as A.M. Best provide ratings and analysis of insurance providers. These ratings are comprehensive and provide up to date information on each company s track record including strengths and weaknesses, coverage options and claims handling. You can also visit Standards & Poor s or Fitch ratings for more information. (See Resources, below.)


Step2
Compare the reviews of customers and policy holders. J.D. Power and Associates is one of the oldest names in customer views and reviews. Search for the company from which you wish to buy your policy. Then, go through the reviews posted by policyholders and customers to determine whether or not they are satisfied overall with the insurance company and its services. Similarly, search for other providers you might consider and compare the reviews.


Step3
Discuss insurance with your friends, family members, colleagues and business associates to get their opinion on various car insurance companies. They might have had a favorable or unpleasant experience dealing with a particular company and would be able to provide personal insights on companies.


Step4
Compare customer service options for each insurance company you are considering. Those with a large network of offices, claim centers, agents and 24/7 support over telephone as well as email will ensure that you get treated properly as a customer.


Step5
Ask the car insurance companies you are comparing for quotes with or without any claims bonus protection.


Step6
Find out if it is cheaper to pay on a monthly basis to the insurance company through personal checks or to pay it off with a credit card. Numerous insurance companies have direct or indirect alliances with various financial institutions (banks or credit card companies) which may make your insurance significantly cheaper.


http://www.freewebtown.com/howtodothing/cars/3.htm#1

Wednesday, August 6, 2008

How to Put Car Insurance in Your Parent s Name

Getting a car insured under your parent s name can save you a lot of money. The premium is usually low for people in their mid-forties and fifties. They are considered safer drivers because studies show they take fewer risks on the road. Although their insurance rate may go up, the additional cost will be cheaper than the cost of getting insurance in your own name (especially if you are under twenty).



Step1
Ask your parents to call their insurance company and get a personal quote for adding a household member to their existing policy.


Step2
Ask them to call various insurance companies to compare rates. Often, other companies may offer a lower rate and it may be worthwhile to switch insurance companies.


Step3
Get quotes on insurance rates if you were to take the policy in your name and compare this with the above rates--even if you just to appreciate the difference.

Getting Insurance on a New Car


Step1
Register the new car in your parent s name if you are above the age limit required by your parent's insuanrce company. You can register a new car in your name and obtain coverage through your parent's company if you meet the company's age limit standards.


Step2
Ask your parents to call their insurance company and get a personal quote for adding a household member to their existing policy.


Step3
Ask them to call various insurance companies to compare rates. Often, other companies may offer a lower rate, and it may be worthwhile to switch.


Step4
Call to find out insurance rates if you were to take the policy in your name and compare this with the above rates--even if you just wanted to see the difference.


http://www.freewebtown.com/howtodothing/cars/2.htm#2

Saturday, August 2, 2008

How to Get Insurance on a Sports Car

Speed, thrill and passion these are the qualities that attract us to sports cars. There are also the reason sports cars cost to insurance than other mainstream cars. But to come up with the premiums, companies and states define a sports car differently. Some say it is any car with pricey replacement parts or specifications such as two-door, manual transmission and greater horsepower. A vintage auto may also be a sports car depending on how old and rare.



Step1
Think through your buying options well ahead of your purchase. Talk with other sports car owners about their experience, driving and handling a sports car as well as their experience getting insurance.


Step2
Ask your dealer before purchasing if the car you are considering buying is classified as a sports car.


Step3
Get insurance quotes from more than three insurance companies or agents. The car classification database of a company may see some as sports cars, but another company's may not. So, see how it stacks up as multiple sources categorize your car.


Step4
Lower your premium by giving all relevant information such as the condition of the car, automatic seat belts and anti-lock brakes.


Step5
Do not give wrong information about your car. Be upfront and honest with the insurance company about the specifications.