Dear Austin,
i just bought a used 2004 Toyota Corolla from Richarson Toyota Dealer. the salesman told me that they don’t have the car manual & the original keys. instead they gave me a 2006 user manual & re-build 2 master keys.
please let me know what should i do to have them give me the manual? could this car been in flood before (i doesn’t show in CarFax)?

I would really appreciate if you could let me know what to do.

Thanks

moi

Hey there Moi,

It is not too uncommon to not have the original owner’s manual, so I would not be too alarmed about that. Why they also lost the keys…….hummmmm, sounds a little suspicious to me, but again I don’t think it would be anything that would break the deal or stop the sale. I would make them order you a brand new owner’s manual though, just so you got the one for the vehicle.

If not…….there are many for sale on ebay.com

I hoped you had a second opinion “used car check out “ done by another mechanic before you bought this car…..if not, do it!

Print out my check list and complete as much of it as YOU can and get a mechanic to do the rest. It is a pretty good list.

Buy a used car

Blessings,

Austin Davis

Well if things are not bad enough, these guys are marketing to SR22 people via a boxing ring and poor old Abraham Lincoln……….I would have thought it would be NASCAR and Bill Clinton!

This commercial makes me want to get drunk and visit their office in person. Says “get a policy while you wait”……..can I wait in line with a beer in my hand?

Have you actually spoken with your company? How many people did they pass you to until your question was answered???

I want to call my car insurance company and do the same thing to them…..but maybe after a few beers. hahaha!

When it comes to finding affordable car insurance there is no better way to go than by looking online for it, either by going to an insurance specialist broker or doing the legwork yourself. Online insurers can pass the biggest savings on to you simply because they have lower overheads; the insurance is the same as you would pay for elsewhere.

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There are simple and easy ways that you can help yourself when it comes to finding affordable car insurance, for instance such factors as the safety features on your car are taken into account. Simply by installing good quality alarms, having your windows etched with your registration and your items such as DVD player’s security marked, this could mean you are able to drastically reduce your rate quote. Other factors that are taken into consideration include if you hold a clean driving record, for every three points on your licence you could be adding as much as 40% to your annual insurance premium.

Another great way to getting the cheapest quote when it comes to finding affordable car insurance is for you to take advanced driving lessons. If you pass an advanced course then this will show that you are an excellent driver and so will be seen as less a risk.

David Thomson is Chief Executive of BestDealInsurance an independent specialist broker dedicated to giving consumers the best insurance deal. They offer great value car insurance, ensuring that their clients have the protection they need, without leaving a hole in their pocket.

If you have bought or are thinking of buying a brand new car and it is over £5,000 then you will have no choice but to take out what is called “fully comprehensive” car insurance for your new pride and joy. However the name can be a little bit misleading to the majority of people, while you would think fully comp means that you will be covered for all eventualities, this isn’t so.

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There are many other additions you can make to your new car insurance policy and depending on the value of your car you might choose to include one or more with your fully comprehensive cover. Legal expense cover could be included in the fully comp policy so it is worth checking, but this covers you for any legal expenses that could occur as the result of an accident.

You can also take out further cover for such eventualities as damage from storms, should anything fall onto your car and cause it damage or any such thing out of the ordinary. However, again always check the exclusions within the policy as not everything will be covered.
About the Author

David Thomson is Chief Executive of BestDealInsurance an independent specialist broker dedicated to giving consumers the best insurance deal. They offer great value car insurance, ensuring that their clients have the protection they need, without leaving a hole in their pocket.

The fact is, teenage drivers will usually ALWAYS pay more for auto insurance. The reason the majority of companies do this is due to the younger driver not having any experience on the road, while this doesn’t seem to make any sense with the young driver having only just passed their driving test.

Younger drivers will pay a higher premium there is much that can be done when it comes to getting a cheaper premium and insuring a young driver.

The first thing you should take into account is the type of car that you are buying or currently own, while insurance premiums are generally higher for the younger driver, the bigger the size of the engine you choose, will increase costs even more. If you are looking to buy your first car then bear this in mind when thinking about cutting down on the insurance premium, where possible avoid sporty and fast vehicles, but instead stick to a car with a modest size engine and if possible avoid buying a new car but an older model instead.

A clean claims history can be a bonus and can greatly reduce your premiums, but obviously when insuring the younger driver this won’t apply because unfortunately they don’t have any. So until you are able to get some experience stick with an older model and an engine size below 1 litre.

Although you have the choice of different types of insurance cover, fully comprehensive is very expensive and this might not be in the best interests of the younger driver. So consider an alternative such as third party, fire and theft insurance coverage.

If your teenage driver has just passed their driving test then they can take an advanced driving test to further reduce their premiums. A test such as this will normally consist of 6 different modules or scenarios that will put them into various situations such as night time driving and driving on the motorway, if this driving test is taken successfully and completed then there are certain insurers that will take this into account when insuring the young driver which can mean they save as much as 40% off the first years premium.

Shopping around online and getting teen car insurance quotes from several companies is the best way for anyone to make savings on their car insurance. The younger driver should also look around for those insurers that specialise in insuring the younger driver; insurance companies such as these will sometimes offer cheaper premiums when it comes to insuring a young driver and this should be taken advantage of rather than just going with the first carrier you see.

Jason Hulott is Business Development Director of Protection Insurance, an internet based insurance business dedicated to getting consumers the best rates and the best products. Visit our Car Insurance Directory

Finding cheap car insurance should start with looking online, simply by using your computer and internet connection you are able to browse through and compare online rate quotes from many carriers in your area.

Are asking yourself the question “where to find cheap car insurance” then you have no further to go than your own home. The best way to make a start is to do a search using one of the popular search sites, in just a few minutes you will be presented with many insurers to choose from, from here you simply have to answer a few questions and receive an almost instant quote.

I wonder what it costs to insure one of these motorcylce guys? Are you paying too much for your auto insurance, think what they have to pay. Click the large icon in the center of the image below to watch movie.

One type of insurance that you require, if your car is a second hand one of age, then taking third party might be your best choice. However if you have bought a brand new car from the showroom then you will probably want to make sure you have it covered for almost all possibilities and take out fully comprehensive.

Of course while you can make the best savings by shopping online for your car insurance there are many things you can do yourself to keep them down as low as possible. There are certain factors that will boost up your premium such as the area in which you live and while you can’t change this, you can do things such as installing the latest security alarms on your car.

Other factors which you should take into account are your age and sex, the younger driver does get penalised by having to pay a higher premium but there are sites that are aimed specifically at the younger driver and this is your best chance of making savings. Similarly if you are a women driver then there are sites that cater just for women, with women being known to be the safer drivers you can get the cheapest premiums by going with a specialist company.

Jason Hulott is Business Development Director of Protection Insurance, an internet based insurance business dedicated to getting consumers the best rates and the best products. Visit our Car Insurance Directory