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How Do The Car Insurance Rates Vary?

Car insurance is vital as you own your car. However, people new to car insurance have a very vague idea on the premium rates and it’s to mention here that the insurance rates would vary on a number of reasons. If you are interested to know more about the car insurance rates follow the post below as here is a discussion on the various factors responsible for the differences in car insurance rates.

The prime most factor is the area of the car owner. If you are staying under a rough climate which is prone to severe storms and extreme weather conditions your car insurance rate would be certainly higher in comparison to a car owner living in a relatively simpler climate. It’s because when you are under extreme weather situations there are high chances of car damage than those cars in a fairly normal climate and more damages would mean more claims from the insurance companies which simultaneously hikes up the insurance rates for those staying in harsh situations.

Apart from the climate, the safety status of your area would also determine the rates of car insurance. The vehicles parked in highly crime prone areas will always fetch higher insurance premiums as these cars are vulnerable to theft and burglary and damage as well. The rates would be especially higher if you have a luxury or fancy vehicle parked in highly crime prone areas since the luxury autos are more susceptible to burglar than regular and simpler models.

Besides, the car insurance companies also take note of your driving record while deciding on the insurance premiums. The car owners with a poor driving record are usually subjected to higher rates of interest on the conception that they are more prone to collisions, rash driving, car damage and hence frequent insurance claims in comparison to the car owners with decent records.

 

Shopping For A Car Doesn’t Have To Be Hard

Shopping For A Car Doesn't Have To Be Hard

Shopping For A Car Doesn’t Have To Be Hard

If you are in the market for a car, it can seem like a daunting task. After all, there are so many cars out there and choosing one can be challenging. A car is a major investment, and you’ve got able to make a good choice. Here are some smart tips to keep in mind when you are car shopping.

Shop around before you even go to the dealership. If you spend some time on local dealer’s websites, you can learn about incentives that are offered. If you know what one dealership is offering, you can use it as a negotiating point and may be able to get a better deal.

Do not pay for lots of extras when you are buying a car. Sure, it would be nice to have a lot of fun features in your new car, but do you really need them? Every toy or gadget you add jacks up the price of the car considerably. Figure out what you really need, and just stick to that.

When you are considering buying a used car, always have your mechanic check it out first. You are not a qualified mechanic trained to spot problems or repairs, so you need to take it to a professional. Be prepared to pay $100 or so for this service, but it may end up saving you thousands. Continue reading

Tips To Choosing The Right Car For Your Family

Tips To Choosing The Right Car For Your Family

Tips To Choosing The Right Car For Your Family

Car shopping should be something that excites you, not makes you stress out. While it is true, the whole experience can be a bit stressful, it does not have to be. The following article contains tips that you can use when you are out shopping for your next new car.

What can you afford? You have to understand exactly how much money you have every month to not only pay for the car lease, but also insurance, licensing costs, gas, and repairs. Everything must be covered every single month or else you’ll have to reduce the amount you have to spend on the car itself.

When you are going to buy a car, you need to know ahead of time which features are essential for you in the car. Have a clear picture of what you want, so you can search for the right price as well as the right car for your needs.

Always bring a mechanic along when shopping for a new vehicle. Car dealers are notorious for selling lemons and you do not want to be their next victim. If you can not get a mechanic to look at cars with you, at least be sure that you have him look at your final choice before you buy it. Continue reading

Read This Article Before You Go Shopping For A Car

Read This Article Before You Go Shopping For A Car

Read This Article Before You Go Shopping For A Car

When many people buy a car, they come into the process unarmed. They lack the advice needed to make the situation lean in their favor. Not you, as you’ve found this article and plan to read it in full so you can absorb all the ideas listed below to make buying a car easy.

Have a clear understanding of what those upgrades will cost you. Purchasing the fancy stereo, leather seats and DVD player might be appealing, but those options can add a significant amount to the price of your car. Take some time to think about how much you really need the upgrades, and only purchase the ones you will use the most.

Before you go in to look at a new car, make sure you have thoroughly researched the proper trade in value of your current car. In fact, why not try to sell it yourself first before you buy. Either way, you will get more from your vehicle if you know what it is really worth. Continue reading

Use 3 Way Catalytic Converter To Reduce The Harmful Pollutants

The catalytic converter is the control device which is used to convert the pollutants into the exhaust gas by redox reactions. It is used in IC engines which are fueled by petrol or diesel. The catalytic converters are applied in automobiles, electrical generators, mining equipment, buses, motorcycles, forklifts, locomotive and airplanes. It can also be used to control the emissions in the wood stove. The catalytic converters reduce the pollution that is produced from various vehicles. The work of catalytic converters is to convert harmful pollutants into harmless pollutants. The three way catalytic converter is a device used in the exhaust system of petrol vehicles. The exhaust gas from the engine contains nitrogen oxide, carbon monoxide and hydrocarbons. These substances will produce the hazard to the environment. The 3 way catalytic converter converts the harmful substance into harmless substances such as carbon-di-oxide, nitrogen and water.

Working of 3 way catalytic converter:

The converter uses two catalysts for converting the harmful gas into harmless gas. The catalyst are reduction and oxidation. The reduction catalyst is built by platinum and rhodium. The oxidation catalyst is built by palladium and platinum. These catalysts have the ceramic structure like honeycomb. The exhaust gas is sent over a reduction catalyst. It will convert nitrogen oxide to nitrogen and oxygen. When the exhaust gas passes through a reduction catalyst, then it will produce the nitrogen and oxygen from nitrogen oxide. The free nitrogen oxide pass through the oxidation catalyst and it will convert the carbon monoxide and hydrocarbons into water and carbon dioxide. The gas, which comes from the chamber are nitrogen, carbon dioxide and water. The name 3 way catalytic converter is because it is capable of removing the nitrogen oxide, carbon monoxide and hydrocarbon. It is designed for propane, natural gas and gasoline fueled engines. It can be installed easily and its working is reliable.

The 3 way catalytic converter is available is three formats such as plain style, clamped on and as a purifier muffler. The catalytic offers various features. The coating of catalytic provides high efficiency. They are platinum and rhodium coated which is distributed carefully. The wash coat is dispersed on metallic alloy. The converter is constructed with corrosion resistant and it can tolerate the high temperature. It is made up of stainless steel which provides the stability to metallic core. The thermal shock and vibration can be minimized by the catalytic converter. It contains the diverters which can easily flow the exhaust gases. They are made of ultra thin core metal wall which can impose the exhaust gas during the working of the converter. When there is high load or speed, the efficiency of the engine is not affected. The maintenance of the 3 way catalytic converter is easy. In the catalyst, the 90% of the harmful gas is converted into harmless gas. They work at higher temperature. The control system in the catalytic converter will monitor the exhaust gases and indicates how much gas is exhausted.

Author Bio

Lary Nineham gives tips to buy 3 way catalytic converter from Catalyticexhaust.ca which helps to reduce the emission of pollutants. He also gives details about the working process of the system inside the engine.