What You Need to Know About Tire Size

It’s important to know even just a bit about tires and tire size. After all, you wouldn’t want to get the wrong sizes for your car. How do you find out your tire size and what do the size figures stand for?

Size Importance

It’s a big mistake to try to fit the wrong sized tires on your car. A lot of things can happen. At the very least you can reduce the performance capacity of a car that would ordinarily work fine with the right tires. You therefore get less for what you bargained for. More importantly though, ill-fitting tires can be the cause of accidents and on-road mishaps. These can result in injuries and life threatening situations. You should never underestimate the value of proper sized tires.

How to Find the Size

You can identify your tire size in many ways. The most logical place to start is to look into your car manual. You can however also find the size of the tires on the placard on the driver’s door or on the sidewall of the tire itself. If you are online and you do not have your car beside you, you can log on to some websites that will allow you to enter your vehicle type and model to find the size that will fit it.

What the Figures Say

If you look at your tire’s sidewall, you will see a series of letters and numbers. These constitute your complete tire size information. It may seem like a foreign language but the letters and numbers stand for important information that you may have to keep in mind.

- The first letter will tell you what kind of vehicle the tire can be used for. It could be intended for a passenger vehicle, light trucks, heavy cargo trucks and European cars. Some tires can also be designated as temporary spares. Following its intended use will be numbers that stand for the tire’s width in millimeters.

- Other important pieces of information that you will be able to get from your tire sidewall are the aspect ratio, tire construction, tire and wheel diameter, load index and speed rating.

Asking Your Dealer

Even if you have some knowledge about sidewall information you may still not be sure about your tire size. You may also be uncertain that you can interpret the information correctly. If this is the case, you should consider asking your tire dealer.

Choose your tire dealer, though. You need one who has had considerable tire knowledge. A good tire dealer will look into your type of vehicle, brand, driving conditions and your personal performance preferences before giving you some advice on the right tires to use. This means you need customer oriented employees who are more than just salespeople but tire and car experts as well.

The importance of getting the right size can never be stressed too highly enough. When in doubt, the safest route is to ask experts for advice and help.

The Importance of Properly Installing A Car Seat

Installing a car seat can be a daunting task, but it is vital in ensuring the safety of your child while riding in a motor vehicle. When a car seat is not properly installed, several problems can arise. First, the seat may be loose and uncomfortable for the baby; second, there is unnecessary wear and tear on both the seat of the car and the car seat; and third, the baby can be seriously injured or even killed in the instance of a car accident. There have been many cases in which children have been seriously injured due to improperly installed car seats and, then again, there have been many children saved as a result of a car seat that has been installed properly.

Nevertheless, It doesn’t matter if you’re running down the street for a loaf of bread or going to buy today’s newspaper, it is important that the car seat be installed properly and the baby be placed inside of it correctly. Here are some steps to take when installing a rear-facing baby car seat:

If installing in a car, make sure the car seat is installed in the back seat. If installing in a truck, then the seat needs to be installed in the middle of the seat. However, if there is a back seat, baby should always be there because of air bags and other factors that could cause harm in case of an incident.

The car seat should always be positioned to where the baby is facing the back. The car seat should not be straight up, but positioned in such a way that the baby is lying down.

If at all possible, place baby’s car seat in the middle of the back seat, which can reduce impact in case of an accident.

Make sure the seat belt is tight around the car seat and that it is buckled tightly.

When installing a forward-facing car seat, there are also some very important things to keep in mind when properly installing the car seat:

First, the car seat should always be located in the back seat of the car and never in the front seat due to airbags and the possibility of injury from the windshield in case of an accident.

Move the front seat that the car seat will be located behind forward to get it out of the way and allow for enough room to work.

Second, go ahead and route the seatbelt through the designated belt path and be sure to pull the seatbelts as tight as possible and then buckle the seatbelt.

Some seatbelts have a lock-off clip, which can be quite useful. If you don’t know how to use it, read the owner manual. If the seatbelt pulls all the way out and then clicks when it retracts, then the seatbelt locks itself. The locking clip should be used if the seatbelts do not lock themselves.

The shoulder part of the seatbelt must be locked because it is actually the lap section of the seatbelt that is keeping the car seat in place.

After installation, try moving the seat. If it moves more than an inch, then it needs to be tightened or reinstalled.

By following these steps for installing rear-facing and forward-facing car seats, your child should be receiving the maximum safety that a car seat has to offer. That way, if an accident does occur, the chances of your child becoming seriously injured is considerably less than if riding in a car seat that is not properly installed.

When You Have To Make A Claim

Disaster strikes! Your car has been in an accident! That’s your baby, your transportation! But its OK because you have insurance, right? After you get over the stress of the accident itself and you’ve settled down, you call your insurance agent. Good so far. Then they tell you that you have to call the claims department and that they are not allowed to help you further. Now you begin to worry.

Before you get too worked up, take a breath. These days, submitting a claim to your auto insurance agency is really not that painful a process. Most companies have developed efficient, fair processes for handling claims. It saves them money, and good customer service helps them keep the premiums flowing in.

Most agencies will recommend a repair shop to you, and you can have your car towed right to them. The agencies have been through this many times, and they know which shops provide the best service, and honest prices. They may ask you if you’d prefer a different shop, but going with their pick is usually the best idea. Sometimes they can handle the entire process with just a few phone calls.

In fact, you may have very little to do with the whole process. Most claims are processed “behind the scenes,” with the insurance companies and shops doing all their work, and then simply asking you to authorize the work. Many times, all you have to do is sign the repair order.

But even with all of these conveniences, it still pays to be careful and protect yourself. Make sure that all of the necessary repairs are part of the repair order; sometimes there are deeper problems beneath the surface. Make sure that the repair shop has done everything necessary to find those deeper issues. Once the work is done, inspect the vehicle carefully before you drive it off the stop lot. It is much harder to bring it back and convince the shop and the insurance company that a problem was there when you picked the car up.

And as long as you are in this position, think about your auto insurance. Good auto insurance is worth its weight in gold. You can save a few dollars on your premiums, but how much is that worth when you’re fighting a claim for months on end, or a claim is denied altogether?

This is a good time, too, to pat yourself on the back for getting good insurance. You could have saved a few dollars a month on cheaper premiums, but now you’ve saved yourself months of disputed claims and denials.

The good news is that most claims are handled quickly and without much effort on your part. If for any reason you are unsatisfied with the way your insurance agency handles the process or don’t like the outcome, let them know by taking your business elsewhere.

Who Has Your Car?

You Need To Use Dealers In Order To Test Drive Vehicles – There’s no substitute for going to dealerships for a hands-on evaluation of the cars on your list. Unfortunately many shoppers hesitate: a recent Yahoo poll found that 17% of new car buyers never took a test drive. If you bypass this important step, you’ll be making your decision without vital information about each vehicle’s comfort, handling, and safety.

Different Dealers Offer Varied Experiences – Why do most of us feel uncomfortable when we first visit a car dealer? Usually we are unprepared and fearful of paying too much or being coerced into buying something we don’t want. To counter this common apprehension, automakers are trying harder to make car-buying a pleasant experience. Manufacturers now issue consumer relations guidelines that dealers are supposed to follow. Even so, you will be treated differently at every place you visit. The selling style and buying experience at different dealerships depends on the personality of the owner. Owners interested in quick profits are most likely to employ a high-pressure sales staff. Laid-back sales staff indicate an owner interested in good customer relations, and the profitable referrals good relations bring. Talking with your salesperson, you’ll get a feeling for the dealership’s personality and will quickly find out if you need to go elsewhere. When you enter the dealership, look like you’re ready to do business. Be polite and feel confident in your preparation and knowledge. Go to another dealer if you feel you’re being mistreated. Remember you are in charge of the process.

Picking your Dealer – Choose a dealership with as much attention as you choose your vehicle. Establishing a firm relationship with the dealer can be important later on. Vehicles bought and serviced at the same dealer are always given a service priority when problems arise. Free loaners may be offered to good customers, while rental cars may be the only option for not-so-good customers. You may regret a decision to purchase a vehicle from a discount dealership 400 miles from home,shotly after that “great deal” has worn off. Your hometown dealer will figure it out the first time you try to service it with them. And don’t expect special warranty service from your foster dealership; that’s reserved for their own good customers.

Look for the showroom and surrounding grounds to be neat and well-organized, with a varied supply of vehicles. The atmosphere and sales staff should be friendly, helpful, and polite. Ask to see a copy of the dealership’s latest Customer Satisfaction Index (CSI), a report showing how customers rate the dealer’s sales and service departments. How the dealership treats you in the showroom can indicate the kind of service help you’ll meet once you’ve purchased the vehicle; but you can also call the service department directly and ask the service manager about the shop’s CSI score, staffing, turn-over and training. An adequately-staffed parts department suggests a good parts inventory. Clean well-equipped shops with ASE certified technicians are also a plus. Ask the service manager how many technicians have completed factory training programs (should be 90% or higher), and what percentage of his mechanics would be considered “A” techs (more than 50% is excellent).

Service:Avoid Getting Ripped Off

Few things in life can fill us with as much mystery and anxiety as automotive service. Any number of questions can arise when something is wrong with your car or even when you just bring it to the dealer for its regular maintenance

My car only has 11,00 miles on it, so why do the brakes shake?

“When I brought my car to the dealership for its 15,000-mile maintenance, the service advisor showed me a list of things to be done that was a lot more than my owner’s manual called for. Do I go by the book or heed the service advisor’s recommendations?”

As with most things in life, the more you know, the better off you are. A little homework and street smarts will go a long way toward saving your pocketbook from dirty service practices. Yes, we know that not all dealerships and mechanics are out to cheat you, and there are a lot of them who take pride in their work ethic. But let’s not be naive, reputations don’t just materialize out of thin air, either. Can you fully trust that the service team at the dealership or the mechanic down the street is going to give you a fair shake? Maybe, but it wouldn’t hurt to arm yourself with some knowledge to guard against those who are out to scam you.

That said, here are a few tips and secrets for dealing with repai circumstances:

Repairs:

1) If the problem is something that affects safety or seems to be a common manufacturing defect (such as shuddering brakes on a relatively new car), chances are you can get the problem taken care of for free. What you want to do is find out if a recall (which is when the manufacturer openly acknowledges a defect) has been issued for that problem. Oftentimes you’ll get a letter in the mail (a “recall notice”) that will tell you what the problem is (even if you haven’t experienced it) and urge you to make a service appointment to get it taken care of. But if you feel you have a problem and haven’t received any notice in the mail, go to the NHTSA site and click on “Recall Searches by make, model, year.” Under “Select the TYPE of search” you’ll want to go with the already selected “Vehicle” category. You then enter the information that’s requested to obtain the recall notice(s) that have been issued for your vehicle.

2)In addition to recalls, there are also technical service bulletins (also called “TSBs” or “Service Bulletins”), which are similar to recalls except that the defect(s) haven’t cropped up in enough vehicles for a recall to be issued. In other words, only a small amount of people have discovered and complained about the problem. The manufacturer lets the dealership’s service department know about the problem, and if someone brings in a vehicle with said problem to check for a possible TSB on your vehicle, again go to the NHTSA site only this time click on “Service Bulletins” and then click on “Search Technical Bulletins.” You then enter the information on your vehicle as you would when looking for a recall. Note that you can also find service bulletin and recall information for your car by using the Edmunds.com Maintenance Calculator.

3) When you’ve picked a shop and are dropping the car off, tell the person handling your car that you want to be given an estimate before they perform the repair(s). Tell them to call you with the estimate and for your authorization before they do anything else so you can decide whether you want them to do the work.

4) While youre there, ask the shop managers if the technicians they employ are “ASE” (Automotive Service Excellence) certified, and in what areas (such as brakes,engines, electrical, etc.). Obviously, you only want ASE technicians working on your car.

5) Once you’ve gotten the lowdown on the necessary repairs and an estimate, it wouldn’t hurt to quickly call another half-dozen or so shops (that also have good credentials) to get additional estimates for the work. Be certain that you make it clear to them exactly what you need done to your vehicle. What you’re looking for is some consistency – estimates that are a lot lower than the average might not be real, whereas ones that are a lot higher could indicate a shop trying to take you to the cleaners.

6) If the shop that already has your car seems to have a fair estimate for the work, call them back and authorize them to make the repairs. Ask them for a written warranty. You might want to tell them that you’d like to have the old parts back – as confirmation that the repairs have indeed been made. Use your best judgment on this one; if you’re getting a new exhaust system, for example, you can simply look under the car to check that a new one has been installed). Finally, don’t forget to ask them when the car will be ready for pick up.

7) After the repairs are complete and you’ve gone to the shop to pick up your car, first scrutinize the bill to make sure the agreed-upon work was done and the cost is the same as the estimate. If anything looks questionable, ask about it right then and there.

Choosing Car Insurance

Finding the right car insurance is an important quest for many consumers. The important tools in making this decision are the websites that provide the free service of comparing auto insurance quotes.

The downside to the cheap insurance quotes are the limited liabilities. The fantastic rates often have a catch like that they are only for the non-owner of the car or for a state’s minimum liability requirement. Many of these offers are not available to people who have an outstanding loan because they are required to buy collision coverage since they don’t own their care.

Only buying minimum liability is a bad decision. The liability limits can be increased at a low cost. Liability is separated into three sectors. The sectors are divided 15/30/5. Death and personal injury per person account for $15,000 of the coverage. The $30,000 covers anyone involved in an accident. The $5,000 goes for the coverage of property damage.

In some circumstances, the policy will combine all the coverage for a total of $35,000. This amount would only provide minimal coverage when you consider the cost of medical expenses and property damages.

This means that liability limits can be increased at a relatively low cost. For only ten dollars or less you can get one million aggregate coverage. When trying to find the right car insurance it is important to find one that protects you from financial ruin.

For collision coverage which is required when you owe on your car, a lot of how much you pay will depend on your deductible. This is an area where you have to be really careful. If you can’t afford a low deductible, that won’t work and if your deductible is so high you cannot possibly pay it, neither will that.

If you can, setting aside money in savings for a possible deductible payment makes good sense. That way if you don’t need it you haven’t spent the money! You can do this for the relatively low amount for deductibles, but most people could not for the hundreds of thousands for liability claims.

When looking for the right car insurance it is important to search for discounts. You can often get discounts when you have more than one policy or just ask for one. If they don’t have one you should talk to other companies.

The insurance companies often offer discounts for students with good grades or people who take defensive driving classes. They also offer discounts for people who only use their car for personal reasons. You should ask your agent if there are any discounts that you qualify for.

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When you select the choice of higher deductible in your policy then your company will reward you with the lower coverage rates. Your only point of concern here is that you should have cash in hand in case of an accident takes place. With this option your coverage company will feel secure in doing business with you.

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They reward you for that by reducing your premium so for a lower premium, increasing your deductible is certainly an option. Just be sure you have the cash immediately available to cover those expenses in case an accident does occur. This also means not having any policy claims on your record since that will obviously make the policy cautious about doing business with you.

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When you select the choice of higher deductible in your policy then your company will reward you with the lower policy rates. Your only point of concern here is that you should have cash in hand in case of an accident takes place. With this option your policy company will feel secure in doing business with you.

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