Car loan payment calculators

We have a car loan payment calculator for you in our Free Excel Spreadsheet Download Area. Our car payment calculator is easy to use, with 4 loan scenarios on one 8x10 printout, allowing you to make quick decisions about your auto loan. You can also find auto loan payment calculators online at Up2Drive. If you have a PocketPC type PDA, download our Car Loan Payment Calculator for Pocket Excel. Use our spreadsheets to compare online auto loan rates to the car dealer auto loan rates. Many people have told me they used our spreadsheets on their laptop or PDA to catch the car dealer cheating on the car payments. New car financing just got easier for you.

Car Insurance Tip 4

Decide How Much Coverage You Need

While it is dangerous to be underinsured, having too much insurance can be an expensive mistake as well. Without insurance, your property is put at risk in an accident that is your fault. The minimum amount of insurance required in your state is seldom enough.

State law may require as little liability coverage as $15,000 per person, $30,000 per accident, and $5000 property damage. About half of the states require $25,000 per person and $50,000 per accident. Half of them require $10,000 in property damage coverage. If you can afford it, buy more than the minimum. After all, $10,000 for property damage may not be enough if you hit a $100,000 Mercedes-Benz.

Car Insurance Tip 3

Who You Are Affects Your Premium

Factors that you can least control may have the greatest impact on your insurance costs. Your age, gender, and driving record are key factors that affect your insurance premium.

Single males under the age of 25 pay the highest rates. Statistics show they are involved in the most accidents, so insurance companies charge young men higher premiums than women of the same age. Married men, who statistically have fewer accidents, pay less than single men. A handful of states do not allow rates based on sex or age, but that prohibition has tended to result in higher rates for women, not lower rates for men.

Car Insurance Tip 2

Your Vehicle Affects Your Premium: 

Y­ou might want a sports car or a fancy SUV, but your insurance company may charge you more to protect you while driving it.

Insurance premiums are based partly on the price of the vehicle, which affects the replacement cost if it is stolen or "totaled" in an accident. How expensive the vehicle is to repair -- including parts and labor -- can also affect the cost. In addition, surcharges may apply to vehicles that are frequently stolen or involved in accidents.

Car Insurance Know Your Coverage Types

What is your car insurance actually insuring?

Although you're buying a single insurance policy covering a specific vehicle, a number of components make up the final cost:
Bodily injury liability: Covers injury and death claims against you, and legal costs, if your car injures or kills someone
Property damage liability: Covers claims for property that your car damages in an accident.
Because liability coverage protects the other party, it is required in all but three states.
Medical payments: Pays for injuries to yourself and to occupants of your car.

Why We Need Cheap Car Insurance?

Having car insurance is the same important as having a driving license. If you buy a new car you should protect it with car insurance as well. Anything can happen no matter how careful we are accident happen anytime anywhere. Having an are insurance, thus, will protect you from loosing more than you can afford if a car accident happen. People get their car insured to allow them to feel relax anytime a bad occurrence happen to their car and themselves. Since the main goal is to protect your financial state in long term, choosing a low cost insurance policy is the preferred option among people. However, low cost insurance policy should not be the main reason when you are seeking car insurance. Make sure that the insurance policy provides the sufficient protection as well. Here are basic things you need to know before purchasing auto insurance.

Privacy vs Car Insurance Premiums

Jessica Chen- Do you consider your car insurance is extremely high? Progressive Car Insurance is offering their customers a chance to lower it, but they have look into your privacy.

The program is called the Snapshot. Progressive sends a free device to their customers to plug into their car’s on-board diagnostic port (ORB). It records and sends data of how, how much and when you drive. After 30 days, customers find out if they are qualified for a discount based on their driving skill, which could be up to 30%. Customers need to give 6 months of driving data.

Locals have mixed reviews on the program. “I always think that nobody else knows my driving habit other than me and friends,” said Reno resident, Kive Demvy. “But if it’s saving me money in the long run, it’s totally fine.”

 

Car Rental Insurance – What Does It Cover?

Where to get car rental insurance that covers a rental car while in use is a wild card. It can be purchased at the car rental counter quite easily, but with planning, the driver can check their own regular car insurance policy for car rental insurance provisions already being paid for. Obviously, nobody wants to pay for the same coverage. Sometimes, in addition to car rental insurance being found on many insurance policies already in place, major credit cards offer protection against theft and damages as well. Before going to the car rental counter to rent the vehicle and hit the road, call both the insurance company and the credit card company to check.

Even if car rental insurance coverage is known to be on the policy or the credit card, benefits can change, so a check of the latest is in order. Car rental insurance offers several options, from whatever source it may be. One of these options is a collision damage waiver. This provision puts the liability for collision damage coverage from the driver to the car rental company, meaning the rental company would pay for the damages instead. Liability insurance coverage in this case is typically covered by the driver’s personal insurance policy.

Personal accident insurance will cover ambulance and medical related bills for people hurt in an accident in the rental car, but it is likely that personal health insurance and/or personal injury protection plans are already in place to cover such expenses. One option that is not always present in regular car insurance plans but that is a good idea in the case of car rental insurance is personal effects coverage.

This particular type of coverage protects the consumer against the loss of personal property in the vehicle due to theft. Laptops, cash, cameras, golf clubs and the like are protected against theft under such a policy. However, in the interest of being cost-effective, it is probably a better idea to purchase what is termed as a floating policy under the consumer’s home or renter’s insurance policy. This will give insurance coverage for valuable personal property at home, in the vehicle, on vacation, wherever the property may be.

By being prepared ahead and knowing exactly what kind of car rental insurance protection is provided by personal car insurance already purchased or by major credit card companies, this will reduce any impulse buying of expensive and temporary car rental insurance coverage while doing up the paperwork to rent a car. If renting a car is something the driver does on a regular basis, it is even more important to know all the information  of the car rental insurance protection coverage. The preparation and information gathered in advance will save the consumer both time and money. Time, in that there is less paperwork to do in the car rental process, and money in that there are not double payments going towards the same thing. Paying for a service once is plenty.

Auto Accident Lawyer

Auto accidents are the leading cause of death for Americans under the age of thirty-four. Annually, auto accidents are responsible for over 40,000 deaths. At an average rate of 115 fatalities per day, auto accidents cost a staggering 150 billion dollars yearly. You are likely to be involved in at least one auto accident in your lifetime.

If you are involved in an auto accident, call the police immediately-even if no one was injured-and file an accident report. Auto accident reports for insurance purposes to determine fault, so verify that the report is thorough. The auto accident report should include interviews with all involved parties and any witnesses. Photographs and/or diagrams of auto accident scenes are often supplied by the police as well. You can also take pictures of the auto accident, and gather as much information as possible. Get the names and phone numbers of all auto accident witnesses, as well as anyone involved in the accident itself.

Common auto accident injuries include whiplash, head and brain injury, paralysis, and joint, bone, and muscle injuries. Auto accident victims should seek medical attention as soon as possible if they believe they are injured. Auto accident claims for damages resulting from injuries usually depend on medical records linking the auto accident to the injuries received-the more time elapses between the auto accident and the treatment, the more difficult it is to prove a connection.

Generally speaking, auto accidents are handled through each party’s insurance party and things are settled quickly. In some cases, auto accidents resulting in personal injury or extensive property loss lead to lawsuits. Damages sought after auto accidents can include cost of medical treatment, loss of property, and loss of wages. If you have been in an auto accident, and need legal advice or assistance, it is best to contact an attorney familiar with auto accident laws.

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Understanding Vehicle Financing

With prices averaging more than $28,000 for a new vehicle and $15,000 for a used vehicle, most consumers need financing or leasing to acquire a vehicle. In some cases, buyers use “direct lending:” they obtain a loan directly from a finance company, bank or credit union. In direct lending, a buyer agrees to pay the amount financed, plus an agreed-upon finance charge, over a period of time. Once a buyer and a vehicle dealership enter into a contract to purchase a vehicle, the buyer uses the loan proceeds from the direct lender to pay the dealership for the vehicle. Consumers also may arrange for a vehicle loan over the Internet.
A common type of vehicle financing is “dealership financing.” In this arrangement, a buyer and a dealership enter into a contract where the buyer agrees to pay the amount financed, plus an agreed-upon finance charge, over a period of time. The dealership may retain the contract, but usually sells it to an assignee (such as a bank, finance company or credit union), which services the account and collects the payments.
For the vehicle buyer, dealership financing offers:

1. Convenience – Dealers offer buyers vehicles and financing in one place.
2. Multiple financing relationships – The dealership’s relationships with a variety of banks and finance companies mean it can usually offer buyers a range of financing options.
3. Special programs – From time to time, dealerships may offer manufacturersponsored, low-rate programs to buyers.