Talk About Cars|A Discussion About Cars, Maintenance and Car Buying
Dec
06
Filed Under (Maintenance) by Car Specialist
Steve M asked:
To get your vehicle be insured, these days, considered vital to give extra length to the life of it. Therefore various companies offer insurance for almost all the vehicles. Car insurance is central among all vehicles. Insurance companies require minimum amount of your money to pace up with every day problems and maintenance expenditure your car requires. Suppose you meet an unwanted accident and your car is not insured yet, then you will have to pay the whole expenditure of it. If you had an insurance company involved in you would not have to take a small loan from a bank or a friend for that compensation. In order to put repair and other belonging expenditure to the care of a caretaker company such as insurance company is quite an activity of a healthy mind.
Not only has that but auto insurance reduced burden from the head that someone is seriously concerned to the health of your auto. Nowadays no body knows what will happen after few minutes. No body is secured at all. So how could a car be? Therefore insurance is of pivotal importance to be gotten as soon as possible. Sometimes driving on crossroads or overtook by another moving vehicle you may meet an accident or your car in parking lot has been scratched even though you have nothing to do with it. But your chief concern is the price fall of your auto or it will reduce the beauty of it. Therefore insurance is most important for ones own benefit.
Car insurance quotes are available online these days. You can simply sit behind a desk and by typing a few words internet web will take you to us, Resultantly we will give the best services within short span of time with all the best services available near you to get repaired your car. However, no matter how badly your car has been damaged that expenditure can shoot sky high still we are with you to help you out. We offer various insurance quotes according to the strength of your wallet. The selection belongs to you to make. Besides if the car has been damaged to such an extent that it hampers value of the car still you can have a difference making damage-value with us.
Nowadays, a great many auto insurance companies promise every thing but after the car has met with an accident they just fly off. In conditions like such do not forget our cheap car insurance suggestions. All the quotes are formulated in accordance to suit your taste and affordability. If you are keen to get the car insured then rely on our online services. We promise less confess much and provide all the necessaries an insured car needs.
There can be any problem with the car of yours. Ours is the most reliable source to bear the expenditure of maintenance of your car. Your auto is as important as your own being. So is its health and maintenance. Other insurance companies may do not offer more options for your car. In other case if you are not the one who looks forward to get his car insured you really are at a great mistake that you will realize soon when your car needs repair. We as an important car and auto insurance company stay open 24/7 to serve you and your car at cheap rates.
LINWOOD
To get your vehicle be insured, these days, considered vital to give extra length to the life of it. Therefore various companies offer insurance for almost all the vehicles. Car insurance is central among all vehicles. Insurance companies require minimum amount of your money to pace up with every day problems and maintenance expenditure your car requires. Suppose you meet an unwanted accident and your car is not insured yet, then you will have to pay the whole expenditure of it. If you had an insurance company involved in you would not have to take a small loan from a bank or a friend for that compensation. In order to put repair and other belonging expenditure to the care of a caretaker company such as insurance company is quite an activity of a healthy mind.
Not only has that but auto insurance reduced burden from the head that someone is seriously concerned to the health of your auto. Nowadays no body knows what will happen after few minutes. No body is secured at all. So how could a car be? Therefore insurance is of pivotal importance to be gotten as soon as possible. Sometimes driving on crossroads or overtook by another moving vehicle you may meet an accident or your car in parking lot has been scratched even though you have nothing to do with it. But your chief concern is the price fall of your auto or it will reduce the beauty of it. Therefore insurance is most important for ones own benefit.
Car insurance quotes are available online these days. You can simply sit behind a desk and by typing a few words internet web will take you to us, Resultantly we will give the best services within short span of time with all the best services available near you to get repaired your car. However, no matter how badly your car has been damaged that expenditure can shoot sky high still we are with you to help you out. We offer various insurance quotes according to the strength of your wallet. The selection belongs to you to make. Besides if the car has been damaged to such an extent that it hampers value of the car still you can have a difference making damage-value with us.
Nowadays, a great many auto insurance companies promise every thing but after the car has met with an accident they just fly off. In conditions like such do not forget our cheap car insurance suggestions. All the quotes are formulated in accordance to suit your taste and affordability. If you are keen to get the car insured then rely on our online services. We promise less confess much and provide all the necessaries an insured car needs.
There can be any problem with the car of yours. Ours is the most reliable source to bear the expenditure of maintenance of your car. Your auto is as important as your own being. So is its health and maintenance. Other insurance companies may do not offer more options for your car. In other case if you are not the one who looks forward to get his car insured you really are at a great mistake that you will realize soon when your car needs repair. We as an important car and auto insurance company stay open 24/7 to serve you and your car at cheap rates.
LINWOOD
Comments Off
Dec
06
Filed Under (Maintenance) by Car Specialist
Theodore Olson asked:
If you were handed an estimate to replace a water pump on your car, would you know if the price was fair? Could you trust the price? How about for a tie rod end, mass air flow sensor, or an evaporative emissions sensor?
Most of us don’t know what these are, never mind the price. Yet it is components such as these that are commonly used to over charge you, the car repair customer.
We no longer live in an age of trust, so how do we ensure that our auto repair costs are legitimate.
How many times have you suspected that you paid too much, but couldn’t prove it? How many times did the price seem exorbitant for even simple repairs?
To illustrate just how “At Risk” the everyday auto repair customer is to excessive car repair prices, here’s a recent real life example from a “reputable…?” dealer.
A client brought her Audi to an authorized Audi dealership for a standard timing belt maintenance service.
The price for this service averages $1575 at the dealership level, (including pulleys, water pump…etc) and about $1275 at the independent repair shop level.
Yet the woman left the dealer with a bill for $2025.68.
What happened?
According to the repair order, there were no abnormal circumstances, no problems noted by the technician such as rust or any other extenuating circumstances that would have perhaps increased the labor, or added additional parts.
In short, it was a straight forward service, but the bill was $450.68 higher than it should have been. There is simply no legitimate reason to have “that much” discrepancy.
How’d they get away with it?
The answer is very simple, and it’s a point that I don’t want anyone to miss:
They get away with it because they can!
Think about it. The average person doesn’t know how much auto parts cost. And who knows how much labor time a repair should take? To what sources does one turn to find out this information? Who even has the time to investigate!
Upon examination of this woman’s repair order, it was found that she was charged a full 4 hours “more” than the standard labor time. At $100 per hour, this added an additional $400. The remaining $50.68 came from the parts, which were billed higher than MSRP.
She was quoted $2,025 for a repair that tops out at $1575. The woman didn’t know. She just paid the bill and left.
How many times do folks just pay the bill and leave? Pretty much that’s all one can do given that there is no accessible information for the car repair customer to adequately question a repair bill. Furthermore, very few even know what questions to ask!
The auto repair industry has been over-charging for decades-sometimes subtly, sometimes boldly, definitely frequently. The evidence for this is overwhelming; yet, there are no easy solutions available for the car repair customer.
Government agencies can’t help. The Better Business Bureau can’t do anything. Even supposed “car repair experts or advocates” lack the understanding of the breadth and insidiousness of the car repair business at all its levels.
A dealership operates differently than an independent repair shop, and a franchise, like Midas, is totally unique. Who really knows what goes on in the underground of such a diverse and complex industry?
The Solution?
First and foremost, car repair customers need access to information on car repair prices. Without this, they’ve got nothing tangible in which to determine fair charges. They also need to be able to navigate the maze of parts and labor charges for car repairs and maintenance.
Like everything else, information is the key to ensure fair treatment. Without it, the car repair customer will continue to “swim with the sharks” without any protection.
LINDSEY
If you were handed an estimate to replace a water pump on your car, would you know if the price was fair? Could you trust the price? How about for a tie rod end, mass air flow sensor, or an evaporative emissions sensor?
Most of us don’t know what these are, never mind the price. Yet it is components such as these that are commonly used to over charge you, the car repair customer.
We no longer live in an age of trust, so how do we ensure that our auto repair costs are legitimate.
How many times have you suspected that you paid too much, but couldn’t prove it? How many times did the price seem exorbitant for even simple repairs?
To illustrate just how “At Risk” the everyday auto repair customer is to excessive car repair prices, here’s a recent real life example from a “reputable…?” dealer.
A client brought her Audi to an authorized Audi dealership for a standard timing belt maintenance service.
The price for this service averages $1575 at the dealership level, (including pulleys, water pump…etc) and about $1275 at the independent repair shop level.
Yet the woman left the dealer with a bill for $2025.68.
What happened?
According to the repair order, there were no abnormal circumstances, no problems noted by the technician such as rust or any other extenuating circumstances that would have perhaps increased the labor, or added additional parts.
In short, it was a straight forward service, but the bill was $450.68 higher than it should have been. There is simply no legitimate reason to have “that much” discrepancy.
How’d they get away with it?
The answer is very simple, and it’s a point that I don’t want anyone to miss:
They get away with it because they can!
Think about it. The average person doesn’t know how much auto parts cost. And who knows how much labor time a repair should take? To what sources does one turn to find out this information? Who even has the time to investigate!
Upon examination of this woman’s repair order, it was found that she was charged a full 4 hours “more” than the standard labor time. At $100 per hour, this added an additional $400. The remaining $50.68 came from the parts, which were billed higher than MSRP.
She was quoted $2,025 for a repair that tops out at $1575. The woman didn’t know. She just paid the bill and left.
How many times do folks just pay the bill and leave? Pretty much that’s all one can do given that there is no accessible information for the car repair customer to adequately question a repair bill. Furthermore, very few even know what questions to ask!
The auto repair industry has been over-charging for decades-sometimes subtly, sometimes boldly, definitely frequently. The evidence for this is overwhelming; yet, there are no easy solutions available for the car repair customer.
Government agencies can’t help. The Better Business Bureau can’t do anything. Even supposed “car repair experts or advocates” lack the understanding of the breadth and insidiousness of the car repair business at all its levels.
A dealership operates differently than an independent repair shop, and a franchise, like Midas, is totally unique. Who really knows what goes on in the underground of such a diverse and complex industry?
The Solution?
First and foremost, car repair customers need access to information on car repair prices. Without this, they’ve got nothing tangible in which to determine fair charges. They also need to be able to navigate the maze of parts and labor charges for car repairs and maintenance.
Like everything else, information is the key to ensure fair treatment. Without it, the car repair customer will continue to “swim with the sharks” without any protection.
LINDSEY
Comments Off
Dec
05
Filed Under (Maintenance) by Car Specialist
Andy West asked:
Auto repair coupons are a great way to save money on the required maintenance for your car. This maintenance is something you need to do anyway, so looking for and using coupons can only be a benefit to you.
There are a few ways to go about finding and using auto repair coupons.
Clip coupons as you find them. We all get coupon mailings from time to time. Usually these contain coupons or flyers from local businesses, including automotive repair shops. Keep an eye out for these auto repair coupons, and save them when you find them. Even if it’s a repair you don’t end up needing, and you just throw the coupon away when it expires, the worst that will happen is that the coupon will take up some space on your fridge or in your drawer for a little while.
The best thing that can happen, of course, is that you find the coupon at just the right time to save some money on something you were going to have to do anyway. Examples that you’ll probably see a lot of are coupons for oil changes, radiator flushes, air conditioning maintenance, alignments, and tires.
Go look for the coupons when you need them. There are a lot of resources online if you find yourself needing a specific repair or maintenance. For instance, coupon sites such as valpak offer a searchable coupon database. You just print the coupons you need, and take them with you when you go. Since many of these online coupon sites feature local businesses and allow you to search in your specific area, you should be able to find a wide selection.
Check with your favorite auto repair shop. If you have a favorite place you take your car, don’t go someplace else just because you have a coupon. There’s a reason why that shop is your favorite, and you may end up being dissatisfied if you take your car anywhere else. Instead, check with your favorite shop and see what offers they are running. They may have flyers with their current coupons in the store, so they can give the special deals to customers when they ask, particularly loyal returning customers like you. Or they may be able to tell you how you can get your hands on their specific coupons online, in the local paper, or in a mailing they sent out recently.
There’s also another possibility you might consider. Sometimes one shop will honor another shop’s auto repair coupons, just to get (or keep) your business. So call your favorite local shop or pay your favorite mechanic a visit, tell them about or show them the discounted service offered, and see if they can do anything for you. It’s always worth a shot.
Maintaining your car can be expensive, so it pays to find all possible ways to save money. A great way to save money is to clip auto repair coupons for expenses you’ll have one way or another. Hopefully these suggestions have given you some ideas for how and where you can save money on automotive repairs.
CASSANDRA
Auto repair coupons are a great way to save money on the required maintenance for your car. This maintenance is something you need to do anyway, so looking for and using coupons can only be a benefit to you.
There are a few ways to go about finding and using auto repair coupons.
Clip coupons as you find them. We all get coupon mailings from time to time. Usually these contain coupons or flyers from local businesses, including automotive repair shops. Keep an eye out for these auto repair coupons, and save them when you find them. Even if it’s a repair you don’t end up needing, and you just throw the coupon away when it expires, the worst that will happen is that the coupon will take up some space on your fridge or in your drawer for a little while.
The best thing that can happen, of course, is that you find the coupon at just the right time to save some money on something you were going to have to do anyway. Examples that you’ll probably see a lot of are coupons for oil changes, radiator flushes, air conditioning maintenance, alignments, and tires.
Go look for the coupons when you need them. There are a lot of resources online if you find yourself needing a specific repair or maintenance. For instance, coupon sites such as valpak offer a searchable coupon database. You just print the coupons you need, and take them with you when you go. Since many of these online coupon sites feature local businesses and allow you to search in your specific area, you should be able to find a wide selection.
Check with your favorite auto repair shop. If you have a favorite place you take your car, don’t go someplace else just because you have a coupon. There’s a reason why that shop is your favorite, and you may end up being dissatisfied if you take your car anywhere else. Instead, check with your favorite shop and see what offers they are running. They may have flyers with their current coupons in the store, so they can give the special deals to customers when they ask, particularly loyal returning customers like you. Or they may be able to tell you how you can get your hands on their specific coupons online, in the local paper, or in a mailing they sent out recently.
There’s also another possibility you might consider. Sometimes one shop will honor another shop’s auto repair coupons, just to get (or keep) your business. So call your favorite local shop or pay your favorite mechanic a visit, tell them about or show them the discounted service offered, and see if they can do anything for you. It’s always worth a shot.
Maintaining your car can be expensive, so it pays to find all possible ways to save money. A great way to save money is to clip auto repair coupons for expenses you’ll have one way or another. Hopefully these suggestions have given you some ideas for how and where you can save money on automotive repairs.
CASSANDRA
Comments Off
Dec
03
Filed Under (Maintenance) by Car Specialist
cats asked:
Does anyone know if there are any basic car maintenance courses that a woman can take either in person or online? I live in the New York/New Jersey area? I have a new car and want to learn as much as possible since I don’t want to be ripped off by mechanics.
STEVEN
Does anyone know if there are any basic car maintenance courses that a woman can take either in person or online? I live in the New York/New Jersey area? I have a new car and want to learn as much as possible since I don’t want to be ripped off by mechanics.
STEVEN
Dec
01
Filed Under (Maintenance) by Car Specialist
Emily Goldstone asked:
Tired of high car maintenance costs? Your credit cards are most likely to help you reduce them. During the last years the leading car manufacturers have presented credit cards under their brands that offer auto rewards. Card users can get rewards points and then redeem them for a car purchase, auto maintenance and spare parts. So, if you wish to save on your auto spendings and benefit from auto services, think of applying for a card offer that deals with your car manufacturer!
Auto credit cards from different companies offer different options. Some of them will help you earn bonus points that can be redeemed for a new card purchase even if it’s your first credit card. Others offer you to get auto parts as a reward. So, let’s review the most popular auto cards and their peculiarities.
• The GM Card offers by General Motors is the oldest auto rewards credit card. It appeared in 1992, and since then it has been widely used. This card can help consumers to get bonus points and some day to redeem them for a new vehicle from GM. After this card was a success, the company has issued other cards with different redemption options.
• Chrysler has at its disposal Chrysler, Dodge or Jeep credit cards. These plastics feature no annual fee and have rewards programs. You can earn points for making purchases at the above-mentioned brands’ stores and even elsewhere. You can redeem the earned points for any car-related services or purchases.
• BMW company has two credit cards to offer. They are “My Mini” card giving customers a chance to design their own card and a BMW Platinum Visa card. Cardholders can accumulate bonus points and then redeem for different auto services including a car purchase. Besides, with My Mini card you can even make charity donations.
• Mercedes owners can enjoy Mercedes-Benz Visa Signature Card that allows you to get 1.5 pints for each dollar spent. After spending $10,000 you will get a coupon for $150 coupon that you can apply for a Mercedes-Benz car or service. Moreover, this exclusive plastic offers a free concierge service for booking reservations or tickets.
• For Audi and Subaru owners there are respective credit cards with quite similar rewards programs. Bonus points for service or car purchase, rewards coupons or auto maintenance.
• Are you a VW fan? Then pay your attention to Volkswagen Platinum Visa. It offers 2 bonus points per each dollar spent on Volkswagen purchases and then redeeming them for different auto services.
However, if you don’t wish to be attached to one brand you may easily find a credit card that is accepted at any car manufacturer. Different leading banks and credit card companies offer auto rewards plastics with various bonuses, such as gas purchase discounts, bonus points for a new car purchase or your auto maintenance.
So there are a lot offers on the credit market, you only have to choose the one that suits your needs perfectly well and save considerably on your car purchase or maintenance.
RENE
Tired of high car maintenance costs? Your credit cards are most likely to help you reduce them. During the last years the leading car manufacturers have presented credit cards under their brands that offer auto rewards. Card users can get rewards points and then redeem them for a car purchase, auto maintenance and spare parts. So, if you wish to save on your auto spendings and benefit from auto services, think of applying for a card offer that deals with your car manufacturer!
Auto credit cards from different companies offer different options. Some of them will help you earn bonus points that can be redeemed for a new card purchase even if it’s your first credit card. Others offer you to get auto parts as a reward. So, let’s review the most popular auto cards and their peculiarities.
• The GM Card offers by General Motors is the oldest auto rewards credit card. It appeared in 1992, and since then it has been widely used. This card can help consumers to get bonus points and some day to redeem them for a new vehicle from GM. After this card was a success, the company has issued other cards with different redemption options.
• Chrysler has at its disposal Chrysler, Dodge or Jeep credit cards. These plastics feature no annual fee and have rewards programs. You can earn points for making purchases at the above-mentioned brands’ stores and even elsewhere. You can redeem the earned points for any car-related services or purchases.
• BMW company has two credit cards to offer. They are “My Mini” card giving customers a chance to design their own card and a BMW Platinum Visa card. Cardholders can accumulate bonus points and then redeem for different auto services including a car purchase. Besides, with My Mini card you can even make charity donations.
• Mercedes owners can enjoy Mercedes-Benz Visa Signature Card that allows you to get 1.5 pints for each dollar spent. After spending $10,000 you will get a coupon for $150 coupon that you can apply for a Mercedes-Benz car or service. Moreover, this exclusive plastic offers a free concierge service for booking reservations or tickets.
• For Audi and Subaru owners there are respective credit cards with quite similar rewards programs. Bonus points for service or car purchase, rewards coupons or auto maintenance.
• Are you a VW fan? Then pay your attention to Volkswagen Platinum Visa. It offers 2 bonus points per each dollar spent on Volkswagen purchases and then redeeming them for different auto services.
However, if you don’t wish to be attached to one brand you may easily find a credit card that is accepted at any car manufacturer. Different leading banks and credit card companies offer auto rewards plastics with various bonuses, such as gas purchase discounts, bonus points for a new car purchase or your auto maintenance.
So there are a lot offers on the credit market, you only have to choose the one that suits your needs perfectly well and save considerably on your car purchase or maintenance.
RENE
Comments Off
Dec
01
Filed Under (Maintenance) by Car Specialist
Natalie Anderson asked:
The spark plug is one important component of the engine. Its purpose is to ignite the air or fuel mixture inside the engine cylinder. An electrical energy is transmitted into the spark plug and ignites the fuel and air mixture in the engine combustion chamber. Another function of the spark plug is to help remove heat from the combustion chamber or the engine’s cylinder.
Like all other parts found on a certain vehicle, spark plugs can also eventually wear out and won’t work properly. As an owner, you should check and maintain your spark plugs or replace it if necessary. According to the Car Care Council, spark plugs are commonly replaced between driving range of about 30,000 and 100,000 miles, depending on the vehicle and spark plug type (Volkswagen spark plug for instance). Knowledge about spark plug operation, maintenance, and service can increase engine performance, resulting to an improved driving performance. This article will help you out maintain and replace your spark plugs, assuming that you have a Volkswagen vehicle.
Damage spark plugs will activate the SERVICE ENGINE SOON or CHECK ENGINE light to appear on your vehicle’s information panel. This is a sign that you should check your engine spark plugs and other engine parts for damages. When removing the spark plug, use a compressed air to blow out all foreign materials like dust or smoke leftovers around the base of the spark plug. Do not pull the Volkswagen spark plug wires. Instead, remove the spark plug from the terminal boot. You can do this by using a numbered clothespin to clip the wire.
Next, identify the correct cylinder with the spark plug and check for spark plug and cylinder malfunctions. Start cleaning the spark plug with a typical solvent. Make sure to clean the paint insulation, and other dirt particles including carbon and oxides left by fuels. After doing this, you can now eliminate other unwanted particles like dust (if ever) in the cylinder head thread as well as plug thread using a steel brush. This will ensure a clean contact between the new spark plug and the cylinder. Lastly, you should adjust the gap between the ground and electrode to the manufacturer’s specifications.
Now in installing a new spark plug, always make sure cylinder head threads and spark plug threads are thoroughly clean. You should also make sure to set the correct gap on the new spark plug and install new gaskets. However, if you have tapered spark plug, you are not required to install a new gasket. Next, tighten the plug using your hand as tight as possible. Using a wrench, further tighten the plug to Volkswagen’s torque specs, about 20 lb.-ft.
Finally, make sure that the spark plug cable is perfectly fitted into the plug terminal. Now that you have a brand new spark plug installed, you should regularly check it for maintenance.
SHARON
The spark plug is one important component of the engine. Its purpose is to ignite the air or fuel mixture inside the engine cylinder. An electrical energy is transmitted into the spark plug and ignites the fuel and air mixture in the engine combustion chamber. Another function of the spark plug is to help remove heat from the combustion chamber or the engine’s cylinder.
Like all other parts found on a certain vehicle, spark plugs can also eventually wear out and won’t work properly. As an owner, you should check and maintain your spark plugs or replace it if necessary. According to the Car Care Council, spark plugs are commonly replaced between driving range of about 30,000 and 100,000 miles, depending on the vehicle and spark plug type (Volkswagen spark plug for instance). Knowledge about spark plug operation, maintenance, and service can increase engine performance, resulting to an improved driving performance. This article will help you out maintain and replace your spark plugs, assuming that you have a Volkswagen vehicle.
Damage spark plugs will activate the SERVICE ENGINE SOON or CHECK ENGINE light to appear on your vehicle’s information panel. This is a sign that you should check your engine spark plugs and other engine parts for damages. When removing the spark plug, use a compressed air to blow out all foreign materials like dust or smoke leftovers around the base of the spark plug. Do not pull the Volkswagen spark plug wires. Instead, remove the spark plug from the terminal boot. You can do this by using a numbered clothespin to clip the wire.
Next, identify the correct cylinder with the spark plug and check for spark plug and cylinder malfunctions. Start cleaning the spark plug with a typical solvent. Make sure to clean the paint insulation, and other dirt particles including carbon and oxides left by fuels. After doing this, you can now eliminate other unwanted particles like dust (if ever) in the cylinder head thread as well as plug thread using a steel brush. This will ensure a clean contact between the new spark plug and the cylinder. Lastly, you should adjust the gap between the ground and electrode to the manufacturer’s specifications.
Now in installing a new spark plug, always make sure cylinder head threads and spark plug threads are thoroughly clean. You should also make sure to set the correct gap on the new spark plug and install new gaskets. However, if you have tapered spark plug, you are not required to install a new gasket. Next, tighten the plug using your hand as tight as possible. Using a wrench, further tighten the plug to Volkswagen’s torque specs, about 20 lb.-ft.
Finally, make sure that the spark plug cable is perfectly fitted into the plug terminal. Now that you have a brand new spark plug installed, you should regularly check it for maintenance.
SHARON
Comments Off
Nov
30
Filed Under (Maintenance) by Car Specialist
TeewhY asked:
Car engine is the soul part of a car. If certain problems are occur into the engine of a car, it will affect the life span of your car. Like our body that need vitamins and some nutrients in order to maintain a healthy body. A car engine is need of regular maintenance so that there will no problems or damage will occur into the parts of the car engine. In single car engine, there are more than 40 parts that needs of maintenance. But mostly, we used to change the engine oil of the engine. Because engine oil is one of the most important things that determine the performance and life of the car. It must be checked regularly for at least every two weeks or before a long trip. Regular engine check can protect your car engine also protect your life as a driver. Because if a certain engine problem is occur while you are driving, it might be cause of road accident due to the failure of your car engine. In having a long trip, check first your car engine then proceed to other parts of your car such as the transmission fluid, brake fluid, power steering fluid, radiator coolant, windshields washer, and the tires of your car.
As we focus on car engines, here are the tips on how to maintain a car engines: Go on with regular change oil because change oil is the most important factor to keep the engine flashy running. If certain parts are turn to damage stage, change it before it was taken a [problem into your engine. For example the spark plug of your car, air filter, and timing belt are in little bit mis-function already, you must change it before it affects other parts of the engine car. Another one, try to avoid engine overheating. Because once your engine is overheat, it cause major damage into your engine as well as in some parts of your car. And for further protection into your car, check it regularly so that you will see any small problems and try to fix it immediately before it turns to serious problems or damages. In protecting your car while driving, keep on a safe drive and keep on proper driving of your car. What I mean is, don’t just pump up some gasoline and making some unpleasant changing of the gear. Check also if the engine is not on the smooth run. Drive smoothly, don’t let the engine suffer in difficulty because it might cause overheating. Before a long drive, have some rest and relaxation so that the engine of your car will have a rest too. Then, before you go into the long run again, check it again your car as a part of your maintenance and if there are certain problems, fix it or have some solutions with the aid of some individuals that able to give solution into your car problems. Always remind into yourself that once your car engine having a problem, it will continue affecting some other parts of the car engine. So, the best way to do is have a proper and regular maintenance in order to keep away from a high cost repairs.
HILARIO
Car engine is the soul part of a car. If certain problems are occur into the engine of a car, it will affect the life span of your car. Like our body that need vitamins and some nutrients in order to maintain a healthy body. A car engine is need of regular maintenance so that there will no problems or damage will occur into the parts of the car engine. In single car engine, there are more than 40 parts that needs of maintenance. But mostly, we used to change the engine oil of the engine. Because engine oil is one of the most important things that determine the performance and life of the car. It must be checked regularly for at least every two weeks or before a long trip. Regular engine check can protect your car engine also protect your life as a driver. Because if a certain engine problem is occur while you are driving, it might be cause of road accident due to the failure of your car engine. In having a long trip, check first your car engine then proceed to other parts of your car such as the transmission fluid, brake fluid, power steering fluid, radiator coolant, windshields washer, and the tires of your car.
As we focus on car engines, here are the tips on how to maintain a car engines: Go on with regular change oil because change oil is the most important factor to keep the engine flashy running. If certain parts are turn to damage stage, change it before it was taken a [problem into your engine. For example the spark plug of your car, air filter, and timing belt are in little bit mis-function already, you must change it before it affects other parts of the engine car. Another one, try to avoid engine overheating. Because once your engine is overheat, it cause major damage into your engine as well as in some parts of your car. And for further protection into your car, check it regularly so that you will see any small problems and try to fix it immediately before it turns to serious problems or damages. In protecting your car while driving, keep on a safe drive and keep on proper driving of your car. What I mean is, don’t just pump up some gasoline and making some unpleasant changing of the gear. Check also if the engine is not on the smooth run. Drive smoothly, don’t let the engine suffer in difficulty because it might cause overheating. Before a long drive, have some rest and relaxation so that the engine of your car will have a rest too. Then, before you go into the long run again, check it again your car as a part of your maintenance and if there are certain problems, fix it or have some solutions with the aid of some individuals that able to give solution into your car problems. Always remind into yourself that once your car engine having a problem, it will continue affecting some other parts of the car engine. So, the best way to do is have a proper and regular maintenance in order to keep away from a high cost repairs.
HILARIO
Comments Off
Nov
30
Filed Under (Maintenance) by Car Specialist
Joe Thompson asked:
The Car Care Council (CCC) reported on January 11 this year that results of vehicle check-up events during Car Care Aware Fairs across the US in April and October 2006 revealed that consumer’s negligence is the main cause auto part disorders.
According to them, nearly 9 out of 10 vehicles need service or parts, underscoring the huge untapped DIY and DIFM sales opportunities for the automotive aftermarket. The unsatisfactory condition of vehicles also reinforces the continued need for consumer education about the benefits of regular vehicle care, maintenance and repair.
Car Care Council Executive Director Rich White said “Vehicle check-up events are typically the focus of Car Care Aware Fairs sponsored by repair shops, parts stores, distributors in cooperation with local vocational schools, media, civic groups and others. While these events are free to consumers and serve as community-relations builders, most aftermarket businesses who participate experience an increase in sales and customers as a result.”
In an analysis of nearly 1,000 vehicle inspection forms, submitted from event coordinators in 16 states, results showed 88 percent of the vehicles checked during National Car Care Month in April and Fall Car Care Month in October needed parts replacement, service or fluids. The top problem areas were motor oil, windshield wipers, air filters, belts and hoses and lights.
Upon checking lubricants and fluids, the three top failure rates were: low, overfull or dirty motor oil at 30 percent, inadequate washer fluid levels at 28 percent, and low, leaky or dirty coolant at 28 percent. Transmission, brake, power steering and clutch fluids were also checked and had failure rates of 26 percent and below.
Approximately 15 percent of vehicles had front windshield wiper failures and 9 percent needed service to rear wipers.
At least one belt was reported as unsatisfactory in 22 percent of the vehicles inspected and 14 percent required at least one new hose. New air filters were needed in 25 percent of the vehicles, while 8 percent needed new PVC filters. The “check engine” light was on in 8 percent of the vehicles.
Battery cables, clamps and terminals needed maintenance in 17 percent of the vehicles inspected, while 9 percent of the batteries were not properly held down. Eleven percent had either a green, dark or clear/yellow charge indicator light.
Improperly inflated tires were found on 20 percent of the cars and 11 percent had worn tread and were in need of replacement.
The leading failure rates for vehicle lights/vision were license plate lights at 18 percent, brake lights at 10 percent, and side markers at 8 percent. Clutch parts were also among the top failure rates. And like any other auto part, can be maintained by car owners. Poor maintenance of the gearbox clutch and worm shaft assembly can increase machine cycling, resulting in costly repairs and pinsetter downtime. The gearbox clutch should be disassembled and checked once a year for worn facings, bad bearings, worn clutch shoes and proper lubrication. The worm shaft splines should also be checked for wear and proper lubrication. Checking them regularly should also be a great time to fix any oil leaks coming from bad gaskets or worm shaft assembly seals.
STANLEY
The Car Care Council (CCC) reported on January 11 this year that results of vehicle check-up events during Car Care Aware Fairs across the US in April and October 2006 revealed that consumer’s negligence is the main cause auto part disorders.
According to them, nearly 9 out of 10 vehicles need service or parts, underscoring the huge untapped DIY and DIFM sales opportunities for the automotive aftermarket. The unsatisfactory condition of vehicles also reinforces the continued need for consumer education about the benefits of regular vehicle care, maintenance and repair.
Car Care Council Executive Director Rich White said “Vehicle check-up events are typically the focus of Car Care Aware Fairs sponsored by repair shops, parts stores, distributors in cooperation with local vocational schools, media, civic groups and others. While these events are free to consumers and serve as community-relations builders, most aftermarket businesses who participate experience an increase in sales and customers as a result.”
In an analysis of nearly 1,000 vehicle inspection forms, submitted from event coordinators in 16 states, results showed 88 percent of the vehicles checked during National Car Care Month in April and Fall Car Care Month in October needed parts replacement, service or fluids. The top problem areas were motor oil, windshield wipers, air filters, belts and hoses and lights.
Upon checking lubricants and fluids, the three top failure rates were: low, overfull or dirty motor oil at 30 percent, inadequate washer fluid levels at 28 percent, and low, leaky or dirty coolant at 28 percent. Transmission, brake, power steering and clutch fluids were also checked and had failure rates of 26 percent and below.
Approximately 15 percent of vehicles had front windshield wiper failures and 9 percent needed service to rear wipers.
At least one belt was reported as unsatisfactory in 22 percent of the vehicles inspected and 14 percent required at least one new hose. New air filters were needed in 25 percent of the vehicles, while 8 percent needed new PVC filters. The “check engine” light was on in 8 percent of the vehicles.
Battery cables, clamps and terminals needed maintenance in 17 percent of the vehicles inspected, while 9 percent of the batteries were not properly held down. Eleven percent had either a green, dark or clear/yellow charge indicator light.
Improperly inflated tires were found on 20 percent of the cars and 11 percent had worn tread and were in need of replacement.
The leading failure rates for vehicle lights/vision were license plate lights at 18 percent, brake lights at 10 percent, and side markers at 8 percent. Clutch parts were also among the top failure rates. And like any other auto part, can be maintained by car owners. Poor maintenance of the gearbox clutch and worm shaft assembly can increase machine cycling, resulting in costly repairs and pinsetter downtime. The gearbox clutch should be disassembled and checked once a year for worn facings, bad bearings, worn clutch shoes and proper lubrication. The worm shaft splines should also be checked for wear and proper lubrication. Checking them regularly should also be a great time to fix any oil leaks coming from bad gaskets or worm shaft assembly seals.
STANLEY
Comments Off
Nov
22
Filed Under (Maintenance) by Car Specialist
Tony DiFiore, Jr. asked:
Conducting periodic maintenance will ensure its performance capabilities and life of your vehicle. The following are general recommended intervals for your passenger vehicle, SUV, minivan and pickup truck and are based on oil changes performed every 3,000 miles. Always read your owner’s manual for other recommendations.
Every month check the following:
• Engine light. If the engine light remains lit after the vehicle is started; check the owner’s manual for possible malfunctions. The vehicle may have an emissions or sensor problem. If it is blinking, it indicates a more serious problem and needs immediate attention.
• Lights, inside and outside the vehicle. Check the fuses first, then the light bulbs. Buy the recommended size and type for your vehicle at your local auto parts shop. If you are unsure of the type, the helpers at the auto parts shop can locate the right light or fuse.
• Proper tire inflation and condition. Not only does the correct pressure help ensure the life of the tire, but also your gas mileage. Check tread and general condition of each tire including the spare. The tires should be free of bulges, cracks and uneven wear. Any of these imperfections are a sign of needed replacement.
• Windshield washer fluid. Some vehicles have two reservoirs. If the fluid is low, do not replace with regular tap water. Fill with only windshield washer fluid from your local auto parts shop.
Every 3 months or 3000 miles (whichever comes first) check the following:
• Automatic Transmission Fluid. Check the fluid with the engine running and transmission in park. If the dipstick indicates it is low, add the manufacturer’s recommended type until the dipstick indicates it is full. If the fluid type is unknown or difficult to read on the dipstick, contact your local auto parts shop and ask for help. ATF only needs to be changed every 2 years or 24,000 miles.
• Battery and Cables. Battery cables should be clean and securely mounted. If the battery is three years old or more, it should be tested and checked and replaced if necessary. Visit Parts Plus Auto store to buy a battery if necessary.
• Belts. Check V and serpentine belts for wear and tear. They should not have visible signs of cracking, fraying, or glazing this indicates excessive wear and needs replacement. The timing belt is typically replaced every 60,000 to 90,000 miles and can be bought or ordered from an auto parts shop.
• Air and oil filters. Inspect engine air filters at every oil change and replace annually or sooner if the filter is oil soaked or shows signs of excessive wear. Oil filters should be changed and replaced at every oil change to maximize an engine’s performance.
• Fuel Filter. Inspect. For vehicles with carburetors, the filter should be replaced annually while those with fuel injection only needs replaced every two years or 24,000 miles.
• Hoses. Inspect and change when cracked, leaking, rusted or restricted.
• Power steering fluid. Check when the car is warm and if topping off is required regularly, then it is time to get it checked for leaks.
• Follow monthly checks as well.
Every 6 months or 6000 miles in addition to regular monthly maintenance and 3 month checks:
• Chassis lubrication. Most newer model vehicles do not require this check although steering and suspension components may need lubrication.
• Exhaust. Inspect for leaks, cracks and damaged supports or hangers. A leaking exhaust is dangerous and needs maintenance immediately.
• Polish. Use only automotive polish instead of regular dish soap to prevent removing the original polish from the vehicle. Automobiles only need waxed and polished twice a year.
• Wiper blades. Replace if chipped, cracked, streaking or excessively worn.
Every 9 months or 9000 miles – same as 3 and 6-month maintenance checks.
Every 12 months or 12,000 miles check the following:
• Brakes. Check entire brake system including rotors, drums and brake linings. Most replacement parts are sold at the auto parts shop.
• Cabin air filter. Replace once a year or in places where air contaminants are worse or when heating and cooling is not working properly.
• Coolant (antifreeze). Change annually when the engine is cold; mix with a 50/50 solution as recommended by the owner’s manual. Some brands are premixed and are sold at auto parts shops.
• Steering and Suspension. Inspect the entire system and replace as needed. Symptoms of a replacement needed are uneven tire wear and excessive bouncing after bumps.
Keep a schedule of monthly maintenance in your car, so you will know what service is required at your vehicle’s next check up. Many owners’ manuals have a place to write down service dates and maintenance performed.
LAVERNE
Conducting periodic maintenance will ensure its performance capabilities and life of your vehicle. The following are general recommended intervals for your passenger vehicle, SUV, minivan and pickup truck and are based on oil changes performed every 3,000 miles. Always read your owner’s manual for other recommendations.
Every month check the following:
• Engine light. If the engine light remains lit after the vehicle is started; check the owner’s manual for possible malfunctions. The vehicle may have an emissions or sensor problem. If it is blinking, it indicates a more serious problem and needs immediate attention.
• Lights, inside and outside the vehicle. Check the fuses first, then the light bulbs. Buy the recommended size and type for your vehicle at your local auto parts shop. If you are unsure of the type, the helpers at the auto parts shop can locate the right light or fuse.
• Proper tire inflation and condition. Not only does the correct pressure help ensure the life of the tire, but also your gas mileage. Check tread and general condition of each tire including the spare. The tires should be free of bulges, cracks and uneven wear. Any of these imperfections are a sign of needed replacement.
• Windshield washer fluid. Some vehicles have two reservoirs. If the fluid is low, do not replace with regular tap water. Fill with only windshield washer fluid from your local auto parts shop.
Every 3 months or 3000 miles (whichever comes first) check the following:
• Automatic Transmission Fluid. Check the fluid with the engine running and transmission in park. If the dipstick indicates it is low, add the manufacturer’s recommended type until the dipstick indicates it is full. If the fluid type is unknown or difficult to read on the dipstick, contact your local auto parts shop and ask for help. ATF only needs to be changed every 2 years or 24,000 miles.
• Battery and Cables. Battery cables should be clean and securely mounted. If the battery is three years old or more, it should be tested and checked and replaced if necessary. Visit Parts Plus Auto store to buy a battery if necessary.
• Belts. Check V and serpentine belts for wear and tear. They should not have visible signs of cracking, fraying, or glazing this indicates excessive wear and needs replacement. The timing belt is typically replaced every 60,000 to 90,000 miles and can be bought or ordered from an auto parts shop.
• Air and oil filters. Inspect engine air filters at every oil change and replace annually or sooner if the filter is oil soaked or shows signs of excessive wear. Oil filters should be changed and replaced at every oil change to maximize an engine’s performance.
• Fuel Filter. Inspect. For vehicles with carburetors, the filter should be replaced annually while those with fuel injection only needs replaced every two years or 24,000 miles.
• Hoses. Inspect and change when cracked, leaking, rusted or restricted.
• Power steering fluid. Check when the car is warm and if topping off is required regularly, then it is time to get it checked for leaks.
• Follow monthly checks as well.
Every 6 months or 6000 miles in addition to regular monthly maintenance and 3 month checks:
• Chassis lubrication. Most newer model vehicles do not require this check although steering and suspension components may need lubrication.
• Exhaust. Inspect for leaks, cracks and damaged supports or hangers. A leaking exhaust is dangerous and needs maintenance immediately.
• Polish. Use only automotive polish instead of regular dish soap to prevent removing the original polish from the vehicle. Automobiles only need waxed and polished twice a year.
• Wiper blades. Replace if chipped, cracked, streaking or excessively worn.
Every 9 months or 9000 miles – same as 3 and 6-month maintenance checks.
Every 12 months or 12,000 miles check the following:
• Brakes. Check entire brake system including rotors, drums and brake linings. Most replacement parts are sold at the auto parts shop.
• Cabin air filter. Replace once a year or in places where air contaminants are worse or when heating and cooling is not working properly.
• Coolant (antifreeze). Change annually when the engine is cold; mix with a 50/50 solution as recommended by the owner’s manual. Some brands are premixed and are sold at auto parts shops.
• Steering and Suspension. Inspect the entire system and replace as needed. Symptoms of a replacement needed are uneven tire wear and excessive bouncing after bumps.
Keep a schedule of monthly maintenance in your car, so you will know what service is required at your vehicle’s next check up. Many owners’ manuals have a place to write down service dates and maintenance performed.
LAVERNE
Comments Off
Nov
22
Filed Under (Maintenance) by Car Specialist
Theodore Olson asked:
How much insurance does one need? You have the big four: home, health, life, and car insurance. Then there’s a second category, which starts getting a little hazy with credit card insurance, purchase protection plans, fraud insurance and more. Extended warranties, also called extended service contracts, or extended service policies fall into the mist of this second category.
Extended warranties are supposed to pay (in full or in part) for specified repairs for a specific period of time after the expiration of the factory warranty. They can be a great value. They can also be a significant waste of money. It gets quite foggy in the details. What exactly is covered? How long? How much? Are there hidden charges?
There are numerous extended warranty companies and an even wider variety of warranty packages available: silver, gold, platinum, platinum-plus, and a host of other confidence-building words. What’s the best plan, and are extended service contracts worth the money? Extended warranties, like life insurance policies, are a numbers game. They’re a gamble. You pay $2500-$4500 for a 2 year, 100,000-mile protection plan and hope that you get at least that back in warranty repairs. The provider on the other hand, hopes to pay out less than it insured.
There are three major types of plan providers: The manufacturer, the dealership/third party, and third party providers. Each one has its assets and liabilities (discussed ahead).
What exactly is covered in an extended service plan? As mentioned above, what’s covered depends on the package purchased. Some plans only cover the power train: the mechanical components of the engine, transmission, and rear-end. Others cover the power train plus some electrical components. Still others cover electrical, advanced electrical, and computer components. Some only cover what’s listed in the contract. This is called a “Stated” or “Named” contract. This means that if it’s not stated, it’s not covered. Some cover bumper-to-bumper, similar to a manufacturer warranty, except trim pieces, upholstery, exterior components, cosmetic items, and a number of other exclusions.
Never before has the adage, “The devil’s in the details,” been so applicable.
Manufacturer Extended Plans:
Extended service plans from the manufacturer are the best in terms of coverage, convenience, and quality. Coverage is similar to the warranty while the vehicle was under its original factory warranty—with similar exclusions stated above. The billing is direct, meaning you don’t have to pay out-of-pocket, except for a deductible, if applicable. Quality is great too, as an extended warranty from the manufacturer will only use factory parts. They also have money, so there’s less risk of bankruptcy.
The down side of manufacturer extended service plans is that they are not cheap. These plans are generally the most expensive, require low mileage standards, and necessitate servicing your vehicle at a dealer for coverage.
Dealership/Third Party Plans:
Extended warranties from a dealership are actually from a third party insurer. These providers are “generally” reputable, but not always. However, if there is an issue (such as the warranty provider filing chapter 11, which is quite frequent in the extended service contract business), the dealer “may” step in to cover any repairs that would have been covered under the defunct plan. Also, claims are easier: billing is direct because the dealership has a working relationship with the provider, and there is usually agreement on price.
Some dealers set up their own “internal extended warranty,” which is honored by the selling dealer. This is rare, and should not be confused with a manufacturer warranty. Important: extended warranties are often passed off as “manufacturer” warranties. They’re not. This is a sales trick. Also be aware that there is a significant mark up, as the dealership is merely acting as the middle man. Lastly, extended warranty companies often go bankrupt without warning.
Third Party Plans:
These plans are called third party plans because they are outside the responsibility of the manufacturer and the service center performing the repairs (unless there’s a working relationship with a repair shop as stated above).
There are hundreds of extended service contract companies. Some have good reputations, some don’t. Third party plans are frequently sold by used car dealers. You may also receive an official looking notification in the mail stating that your warranty is expiring, and directing you to call an 800 number ASAP. This is a marketing tactic by an independent warranty provider. Despite the “official” appearance of the postcard or envelope, it’s not from the manufacturer. Manufacturers do not send out reminders about warranty expirations.
Given the wide-variety of third party plans there are numerous red flags.
1) Claims: Extended warranty companies will be quick to tell you that filing claims is easy, and that the service center gets paid immediately via a credit card. Thus, there’s no out-of-pocket expense for you. However, the warranty company can’t dictate a service center’s policies. Some service centers will only accept payment from the repair customer. Thus the burden is on the repair customer to fill out the forms, contact their warranty company, and await reimbursement via check, which can take 2-8 weeks.
It is the service center’s responsibility to contact the extended warranty company to let them know what’s wrong with the vehicle and to check coverage. This process can take anywhere from 20 minutes to 20 days, sometimes more, depending on the degree of repairs and especially the amount. (See $1000 and Adjusters ahead)
Service centers and extended warranty companies frequently battle over the “fair” price of repairs. Many repair shops no longer negotiate, and just state the price, leaving the contract holder (i.e., the service customer) responsible for the difference.
2) Rentals: Rental coverage is a great benefit. However, there are fixed rates and time limits. In other words, the warranty company is not going to pay to have you drive a Mercedes-Benz, even if you drive a Benz. Rental allowances range from $25 to $35 per day. Also, rental coverage is based on the number of hours it takes to repair the vehicle, NOT how long your car has been at the shop.
3) $1000 and Adjusters: Repairs that approach $1000, or that require a significant amount of work, will be cause for the warranty company to call in an adjuster to confirm the diagnosis. This will delay the repairs by a minimum of 24-48 hours. It may cost you additional money when an adjuster is involved. You may be charged to have your vehicle pulled back into the shop for inspection, as well as for the time spent with the adjuster.
4) Tear-down Charges: In many cases, an extended warranty company will require that a particular component be taken apart for inspection to determine if the repair is indeed needed and covered. This puts the service customer in a very awkward position. The customer will have to authorize potentially hundreds of dollars of tear-down expense in the hopes that the repair is covered. If it’s not, the customer is out the hundreds in tear-down PLUS the actual repair. This does happen!
Common Myths:
1) “Extended warranties cover maintenance services and brake work.”
No. Extended warranty plans do not cover maintenance or wearable items. Brake pads and rotors are wearable parts. Maintenance such as coolant, brake and transmission flushes, tune-ups, services, oil changes, bulbs, wipers, and more are not covered.
2) “They told me it’s bumper-to-bumper, so it covers everything right?”
Wrong. Not even a factory warranty covers everything. When pitching the sale for the extended warranty, one is very often lead to believe that he or she will have nothing to worry about. This is just not true on so many levels. For example, if your bumper falls off it’s not covered.
3) “I don’t have to pay anything, right?”
Wrong. Despite the claims of 100% coverage, there are many factors involved. The labor rates, labor hours, diagnostic times, parts prices, and machine work are just a few items that often conflict with a service center’s policies. Some extended contracts only pay a maximum of $55 per hour, and only allow one half hour for diagnostic time. This is generally unacceptable to the service center, as labor rates have skyrocketed to over $100 per hour at many dealerships, and average $75 at local shops. Moreover, with the complexity of today’s vehicles, diagnostic time is at a premium. The customer pays the difference.
4) “If I have an expensive problem, I can just purchase an extended service contract.”
It’s unethical, but it’s an option many attempt. However, most service contracts have a minimum time requirement before the first claim can be filed: usually three months. Also, many contracts require that your vehicle be inspected by a service center to check for pre-existing conditions—just like life insurance.
5) “My contract lasts up to 100,000 miles.”
Only if the time limit doesn’t run out first. All extended warranty plans have a time limit. For example, a typical contract will state that the vehicle is covered for two years or 100,000 miles, which ever comes first. During the sales pitch, however, the emphasis will be on the 100,000 miles, not the time.
6) “If my car breaks, it gets fixed like new.”
Actually, depending on the contract, an extended warranty company can insist on installing remanufactured or even used parts.
Items commonly not covered by extended warranties:
• Any component with a pre-existing condition
• Any component related to a Technical Service Bulletin (TSB)
• Many components that has been updated by the manufacturer
• Extra components necessary “due to manufacturer updates” to complete the repair
• Trim pieces: molding, cup holders, dashboard, console, body parts, glass
• Many accessories: radios, DVD players, TVs
• Many expensive electronics: climate control units, navigation assemblies
Service contract positives:
Some service contracts are transferable, and may thus increase the resale value of a vehicle. Many come with trip interruption reimbursement, towing and 24-hour road side. Some plans can also be financed, or have E-Z Pay Plans. Others offer a money-back guarantee.
What should you do?
You’ll get lots of advice about doing the research, comparing plans, and reading the fine print. This is all sound advice. But what about doing the math?
Let’s say a plan costs $2500 for 2 years or 100,000 miles, whichever comes first. To break even you’ll need a minimum of $1250 per year in covered repairs, excluding regular maintenance. Remember covered is the vital word here.
Another way to break it down is to anticipate having to pay $104.17 per month over the next two years in “covered” repairs. Do you want to take that bet?
What could happen?
You could double your money or more in repair work. You could conceivably get a new engine and transmission (or used ones anyway). You could also easily spend $2500 for a service contract, and still have to pay another $2500 for repairs, which for a variety of reasons, were not covered under your plan. Now you’re out $5000.
Alternatively, you could keep the initial $2500. In many ways all an extended warranty does is prepay for repairs. You could stick the money in the bank and collect interest. Then you could withdraw the money for repairs as needed.
Another consideration that’s rarely discussed is the cause of the problems. Many car repairs problems are the result of wear and tear, neglected maintenance, physical damage, or acts of God—such as flood damage. None of this is covered. The gamble only covers failed components.
If the vehicle you’re driving does cost $2500 to $4500 in repairs due to outright failed components, is it a vehicle you even want to consider keeping? A vehicle that needs this kind of repair work due to mechanical, electrical, or computer failures may not be worth it. The $2500-$4500 would be better spent on an upgrade to a quality vehicle rather than insuring a lemon.
There’s no question that auto repair is expensive, and even quality cars break from time to time. But do they breakdown to the tune of $2500-$4500? That’s a hefty bet on a “possibility.”
Terence O’Hara from the Washington Post makes an excellent assessment about extended warranties in general. He writes:
…extended warranties play upon a basic human trait to avoid loss, even if it means sacrificing a possible future gain…the gain is all the other things of value that a consumer could buy with the money that was spent on a warranty
What’s the best plan?
Money in your bank account!
RONNIE
How much insurance does one need? You have the big four: home, health, life, and car insurance. Then there’s a second category, which starts getting a little hazy with credit card insurance, purchase protection plans, fraud insurance and more. Extended warranties, also called extended service contracts, or extended service policies fall into the mist of this second category.
Extended warranties are supposed to pay (in full or in part) for specified repairs for a specific period of time after the expiration of the factory warranty. They can be a great value. They can also be a significant waste of money. It gets quite foggy in the details. What exactly is covered? How long? How much? Are there hidden charges?
There are numerous extended warranty companies and an even wider variety of warranty packages available: silver, gold, platinum, platinum-plus, and a host of other confidence-building words. What’s the best plan, and are extended service contracts worth the money? Extended warranties, like life insurance policies, are a numbers game. They’re a gamble. You pay $2500-$4500 for a 2 year, 100,000-mile protection plan and hope that you get at least that back in warranty repairs. The provider on the other hand, hopes to pay out less than it insured.
There are three major types of plan providers: The manufacturer, the dealership/third party, and third party providers. Each one has its assets and liabilities (discussed ahead).
What exactly is covered in an extended service plan? As mentioned above, what’s covered depends on the package purchased. Some plans only cover the power train: the mechanical components of the engine, transmission, and rear-end. Others cover the power train plus some electrical components. Still others cover electrical, advanced electrical, and computer components. Some only cover what’s listed in the contract. This is called a “Stated” or “Named” contract. This means that if it’s not stated, it’s not covered. Some cover bumper-to-bumper, similar to a manufacturer warranty, except trim pieces, upholstery, exterior components, cosmetic items, and a number of other exclusions.
Never before has the adage, “The devil’s in the details,” been so applicable.
Manufacturer Extended Plans:
Extended service plans from the manufacturer are the best in terms of coverage, convenience, and quality. Coverage is similar to the warranty while the vehicle was under its original factory warranty—with similar exclusions stated above. The billing is direct, meaning you don’t have to pay out-of-pocket, except for a deductible, if applicable. Quality is great too, as an extended warranty from the manufacturer will only use factory parts. They also have money, so there’s less risk of bankruptcy.
The down side of manufacturer extended service plans is that they are not cheap. These plans are generally the most expensive, require low mileage standards, and necessitate servicing your vehicle at a dealer for coverage.
Dealership/Third Party Plans:
Extended warranties from a dealership are actually from a third party insurer. These providers are “generally” reputable, but not always. However, if there is an issue (such as the warranty provider filing chapter 11, which is quite frequent in the extended service contract business), the dealer “may” step in to cover any repairs that would have been covered under the defunct plan. Also, claims are easier: billing is direct because the dealership has a working relationship with the provider, and there is usually agreement on price.
Some dealers set up their own “internal extended warranty,” which is honored by the selling dealer. This is rare, and should not be confused with a manufacturer warranty. Important: extended warranties are often passed off as “manufacturer” warranties. They’re not. This is a sales trick. Also be aware that there is a significant mark up, as the dealership is merely acting as the middle man. Lastly, extended warranty companies often go bankrupt without warning.
Third Party Plans:
These plans are called third party plans because they are outside the responsibility of the manufacturer and the service center performing the repairs (unless there’s a working relationship with a repair shop as stated above).
There are hundreds of extended service contract companies. Some have good reputations, some don’t. Third party plans are frequently sold by used car dealers. You may also receive an official looking notification in the mail stating that your warranty is expiring, and directing you to call an 800 number ASAP. This is a marketing tactic by an independent warranty provider. Despite the “official” appearance of the postcard or envelope, it’s not from the manufacturer. Manufacturers do not send out reminders about warranty expirations.
Given the wide-variety of third party plans there are numerous red flags.
1) Claims: Extended warranty companies will be quick to tell you that filing claims is easy, and that the service center gets paid immediately via a credit card. Thus, there’s no out-of-pocket expense for you. However, the warranty company can’t dictate a service center’s policies. Some service centers will only accept payment from the repair customer. Thus the burden is on the repair customer to fill out the forms, contact their warranty company, and await reimbursement via check, which can take 2-8 weeks.
It is the service center’s responsibility to contact the extended warranty company to let them know what’s wrong with the vehicle and to check coverage. This process can take anywhere from 20 minutes to 20 days, sometimes more, depending on the degree of repairs and especially the amount. (See $1000 and Adjusters ahead)
Service centers and extended warranty companies frequently battle over the “fair” price of repairs. Many repair shops no longer negotiate, and just state the price, leaving the contract holder (i.e., the service customer) responsible for the difference.
2) Rentals: Rental coverage is a great benefit. However, there are fixed rates and time limits. In other words, the warranty company is not going to pay to have you drive a Mercedes-Benz, even if you drive a Benz. Rental allowances range from $25 to $35 per day. Also, rental coverage is based on the number of hours it takes to repair the vehicle, NOT how long your car has been at the shop.
3) $1000 and Adjusters: Repairs that approach $1000, or that require a significant amount of work, will be cause for the warranty company to call in an adjuster to confirm the diagnosis. This will delay the repairs by a minimum of 24-48 hours. It may cost you additional money when an adjuster is involved. You may be charged to have your vehicle pulled back into the shop for inspection, as well as for the time spent with the adjuster.
4) Tear-down Charges: In many cases, an extended warranty company will require that a particular component be taken apart for inspection to determine if the repair is indeed needed and covered. This puts the service customer in a very awkward position. The customer will have to authorize potentially hundreds of dollars of tear-down expense in the hopes that the repair is covered. If it’s not, the customer is out the hundreds in tear-down PLUS the actual repair. This does happen!
Common Myths:
1) “Extended warranties cover maintenance services and brake work.”
No. Extended warranty plans do not cover maintenance or wearable items. Brake pads and rotors are wearable parts. Maintenance such as coolant, brake and transmission flushes, tune-ups, services, oil changes, bulbs, wipers, and more are not covered.
2) “They told me it’s bumper-to-bumper, so it covers everything right?”
Wrong. Not even a factory warranty covers everything. When pitching the sale for the extended warranty, one is very often lead to believe that he or she will have nothing to worry about. This is just not true on so many levels. For example, if your bumper falls off it’s not covered.
3) “I don’t have to pay anything, right?”
Wrong. Despite the claims of 100% coverage, there are many factors involved. The labor rates, labor hours, diagnostic times, parts prices, and machine work are just a few items that often conflict with a service center’s policies. Some extended contracts only pay a maximum of $55 per hour, and only allow one half hour for diagnostic time. This is generally unacceptable to the service center, as labor rates have skyrocketed to over $100 per hour at many dealerships, and average $75 at local shops. Moreover, with the complexity of today’s vehicles, diagnostic time is at a premium. The customer pays the difference.
4) “If I have an expensive problem, I can just purchase an extended service contract.”
It’s unethical, but it’s an option many attempt. However, most service contracts have a minimum time requirement before the first claim can be filed: usually three months. Also, many contracts require that your vehicle be inspected by a service center to check for pre-existing conditions—just like life insurance.
5) “My contract lasts up to 100,000 miles.”
Only if the time limit doesn’t run out first. All extended warranty plans have a time limit. For example, a typical contract will state that the vehicle is covered for two years or 100,000 miles, which ever comes first. During the sales pitch, however, the emphasis will be on the 100,000 miles, not the time.
6) “If my car breaks, it gets fixed like new.”
Actually, depending on the contract, an extended warranty company can insist on installing remanufactured or even used parts.
Items commonly not covered by extended warranties:
• Any component with a pre-existing condition
• Any component related to a Technical Service Bulletin (TSB)
• Many components that has been updated by the manufacturer
• Extra components necessary “due to manufacturer updates” to complete the repair
• Trim pieces: molding, cup holders, dashboard, console, body parts, glass
• Many accessories: radios, DVD players, TVs
• Many expensive electronics: climate control units, navigation assemblies
Service contract positives:
Some service contracts are transferable, and may thus increase the resale value of a vehicle. Many come with trip interruption reimbursement, towing and 24-hour road side. Some plans can also be financed, or have E-Z Pay Plans. Others offer a money-back guarantee.
What should you do?
You’ll get lots of advice about doing the research, comparing plans, and reading the fine print. This is all sound advice. But what about doing the math?
Let’s say a plan costs $2500 for 2 years or 100,000 miles, whichever comes first. To break even you’ll need a minimum of $1250 per year in covered repairs, excluding regular maintenance. Remember covered is the vital word here.
Another way to break it down is to anticipate having to pay $104.17 per month over the next two years in “covered” repairs. Do you want to take that bet?
What could happen?
You could double your money or more in repair work. You could conceivably get a new engine and transmission (or used ones anyway). You could also easily spend $2500 for a service contract, and still have to pay another $2500 for repairs, which for a variety of reasons, were not covered under your plan. Now you’re out $5000.
Alternatively, you could keep the initial $2500. In many ways all an extended warranty does is prepay for repairs. You could stick the money in the bank and collect interest. Then you could withdraw the money for repairs as needed.
Another consideration that’s rarely discussed is the cause of the problems. Many car repairs problems are the result of wear and tear, neglected maintenance, physical damage, or acts of God—such as flood damage. None of this is covered. The gamble only covers failed components.
If the vehicle you’re driving does cost $2500 to $4500 in repairs due to outright failed components, is it a vehicle you even want to consider keeping? A vehicle that needs this kind of repair work due to mechanical, electrical, or computer failures may not be worth it. The $2500-$4500 would be better spent on an upgrade to a quality vehicle rather than insuring a lemon.
There’s no question that auto repair is expensive, and even quality cars break from time to time. But do they breakdown to the tune of $2500-$4500? That’s a hefty bet on a “possibility.”
Terence O’Hara from the Washington Post makes an excellent assessment about extended warranties in general. He writes:
…extended warranties play upon a basic human trait to avoid loss, even if it means sacrificing a possible future gain…the gain is all the other things of value that a consumer could buy with the money that was spent on a warranty
What’s the best plan?
Money in your bank account!
RONNIE
Comments Off