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Specialty auto repair refers to the repair and servicing of specialty autos and specific auto parts. Specialty auto repair centers take special care to provide you with genuine factory parts. Specialty auto repair technicians are highly skilled and experienced and they can pin point the problem of the automobile. Whatever model of luxury car or foreign car you are driving, there are repair centers specializing in those very models.

Specialty auto repair centers offer special dealer alternative maintenance and service packages. Some of them give extended warranties services for their clients. They even undertake heavy engine and transmission repair and replacement if needed. Some of these dealers have their own websites from which you can download special auto repair discount coupons.

There are specialty auto repair centers that repair and service specific auto parts such as the brakes, engines, air conditioning, mufflers, and radiators. They also take care of wheel alignments, transmissions and paintless dent repair. Replacement of windshield or window is also included in specialty repair.

Specialty auto repair is regarded as a business with reputation and significant advertising budgets. For specialty auto repair, technicians need a trade certificate, which could be as automotive service, auto body, heavy equipment or recreation service technician.

Specialty auto repair has several benefits. Standard jobs such as lubrication, oil filter, and oil change charges are less compared to general repair. These types of services have retail outlets and the service hours ideally match the timings of customers. Specific fluids, light bulbs and other critical parts are readily available in such shops. Specialty repair shops make use of computers to maintain complete and detailed information.

The disadvantage of going to a specialty auto repair shop is that they have a high sales pitch, they might urge you to do more and more work.

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New York is a very busy city and according to the National Highway Traffic Safety Administration (NHTSA) every 10 seconds someone in the USA is involved in an auto accident. The traffic and congestion causes so many accidents that the services of a New York Auto Accident Lawyer is required. In New York City accidents can happen for various reasons. If driver is not careful or under the influence alcohol or banned drugs, if the weather conditions are unclear or vehicle parts are faulty etc, are some of the common ones. Often it is not just the driver who is a victim in the accident but also those standing by. An auto accident lawyer looks after the claims and compensation for human life as well as destruction of property. Those auto accident lawyers who operate in this city and specialize with regards to the laws and regulations of this place are referred to as New York Auto Accident Lawyers.

In New York, the law stipulates that in case of accidents both the operator of the at-fault vehicle and the owner of that vehicle is responsible for compensation to the injured. Also all medical bills and compensation for lost wages are to be paid by the insurance company if your car is not at fault.

When does a New York Auto Accident Lawyer come into the picture? Usually in an accident, claims have to be filled in within 30 days from date of the accident in order to get full benefits. Many a time your insurance agency may not tell you about it. If there is personal injury you must also file a personal injury claim to recover your costs.

In event of the above, when you face a dead end or a very difficult time recovering what is rightly yours, you need to take on the services of a New York Auto Accident Lawyer. The New York Auto Accident Lawyer will file a lawsuit in your favor; he will also represent you in all matters relating to that auto accident. The New York Auto Accident Lawyer will advise you on your rights and procedures to settle your claims with maximum benefit to you.

As per the laws of the State of New York, the driver of the vehicle is responsible to drive carefully and not cause an accident. If the driver causes an accident due to his negligence he is liable to pay for the damage and injuries of all the victims. Here is where the New York Auto Accident Lawyer steps in. It is often difficult to claim compensation and it requires the intervention of the New York Auto Accident Lawyer to get the same.

On the other hand you can employ the expert services of a New York Auto Accident Lawyer if you have caused the accident but wish to contest the claims. An experienced New York Auto Accident Lawyer will look at finding out if it really was your fault that causes the accident. The lawyer will contact witnesses, search police reports and look at traffic laws to turn the tide in your favor. The New York Auto Accident Lawyer will also determine if the accident was caused by a defect in your vehicle. In such a case a product liability lawsuit can be filed against the automobile manufacturer or supplier for compensation.
In cases where the New York Auto Accident Lawyer gives evidence that accident is caused by improper repair, the mechanic will be held responsible.

If the New York Auto Accident Lawyer clearly proves that the accident was caused due to improper road lighting, malfunctioning traffic signals, poor construction and maintenance of roads, wrongly placed trees or poles etc and such civil issues, then the government entities responsible for the same can be brought to court. In such extreme situations your New York Auto Accident Lawyer has to be experienced enough to deal with the government machinery.

Whatever the case, it is always advisable to engage the services of a New York Auto Accident Lawyer who will preserve evidence, skillfully investigate the accident, have you checked by a medical expert for injuries and provide an assessment of the case. You can have your peace of mind while your case is handled by the expert New York Auto Accident Lawyer for you.

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Your credit history can influence your ability to get a loan or a credit card, but did you also know that it can play a large role in the cost of your car insurance? It can. In fact, poor credit can result in higher auto insurance rates regardless of your past driving history. When you apply for coverage from an auto insurance company, you will likely be required to sign a release giving the company permission to access your credit file. If you want the best auto insurance rate possible, it’s time to start cleaning up that credit report.

Your first step to cheap auto insurance is to check your credit report from each of the three major credit reporting agencies, including TransUnion, Equifax and Experian. Closely review all information contained in each report, including both payment history and contact information. If there are any inaccuracies, file a dispute with the reporting agency immediately and await correction. In most cases, this takes less than two weeks.

You may be wondering why your credit history would play such a crucial role in how much you pay for auto insurance rates. When you apply for this type of coverage, you are asking the auto insurance company to put their trust in both you and your driving ability. By applying for coverage, you are agreeing to pay a premium and, in the event of an accident, a deductible. Your past credit history will give the auto insurance company an idea as to how you will handle your car insurance payments.

It’s important to note that even with a few blemishes in your credit history, it is still possible to compare auto insurance rates and even find discount auto insurance if you know where to shop. Many auto insurance companies realize that past credit history is, well, in the past. If you have a less than perfect financial history, don’t hesitate to explain your situation to the auto insurance company and let them go to work to find you the best auto insurance rate available.

If you have a credit report that needs improving, you can begin to see positive results in as little as three months. Avoid carrying a credit card balance that exceeds 50% of your total available credit, always pay your bills on time and pay more than the minimum payment if/when possible. After several months of regular payments, your credit report and score will begin to improve. What does this mean for your auto insurance rates? As your credit score goes up, your auto insurance rates may go down. One of the best ways to find the best provider for your needs is through obtaining several auto insurance quotes, compare rates and choosing the best one that offers a customizable plan.

The information in this article is designed to be used for reference purposes only. It should not be used as, in place of or in conjunction with professional financial or insurance advice relating to auto insurance quotes, discount auto insurance or auto insurance rates. For additional information or to receive an auto insurance quote, contact a local auto insurance company.

Andrew Daigle is the owner, creator and author of many successful websites including Free Auto Insurance Quotes [http://www.auto-insurance-quotes-cheap.com/] an auto insurance company research site and a Low Loan Rates [http://www.personal-payday-student-loans.com/] site for finding the best personal loan, payday loans, student loans and more for your financial needs.

Did you know that your car’s windshield acts as a major component of a highly engineered crash management system?

“How does this impact me,” you may ask? Well, without proper installation of OEM auto glass windshields and adhesives by certified technicians, it could be a rather serious or even fatal impact. OEM, or Original Equipment Manufacturer parts, means your vehicle’s windshield or other auto glass is produced from original equipment-style tooling and meets the manufacturer specifications for safety and quality to protect you in case of an accident.

Your windshield can contribute as much as 60 percent to the support of the roof during roof crush and rollover accidents! In front end collisions, the windshield is the backboard for the passenger side airbag. The windshield actually absorbs the force of the airbag upon deployment of speeds up to 200 miles per hour. Thus, the use of OEM auto glass parts is essential.

Why Only OEM Auto Glass Parts?

Stringent standards. OEM auto glass standards and specifications are more stringent than Department of Transportation (DOT) standards. OEM auto glass standards require 100 percent windshield retention in frontal barrier crash tests, while DOT only requires 80 percent! Would you want to chance your life, and your family’s life, to that other 20 percent? Furthermore, the higher standards of OEM auto glass parts ensure that a vehicle can be brought back to pre-accident condition. Some aftermarket parts do not match the tolerance, thickness, and shape of OEM auto glass parts; therefore, they can have a higher rate of leakage, wind noise, imperfect fit, solar performance, and optical distortion. In other words, your safety could be at risk.

Protect your warranty. Installation of OEM auto glass parts will ensure your vehicle manufacturers’ auto glass warranties will not be in jeopardy as it would be aftermarket auto glass parts.

The following are just some of the OEM auto glass manufacturers that certain quality Phoenix auto glass shops work with:

• Pittsburg Plate Glass (PPG)
• Carlite
• Ford
• Safeguard/Mopar
• Pilkington
• Asahi
• AP Tech
• Triplex
• Sekurit
• Sicursiv
• Scanex
• Crinamex
• Guardian

Be sure to ask the following questions of any Phoenix auto glass shop that you are considering for auto glass repair and replacement:

1. Do you use OEM auto glass parts, adhesives and glass?
2. Do you use certified auto glass technicians?
3. Do you have a written adhesive usage policy and what is the safe drive away time? (There is only ONE urethane manufacturer whose adhesive has been endorsed and approved for use by all major call manufacturers – Essex Urethane Autoglass Adhesives!)
4. What is the Phoenix auto glass company response time?
5. Is ample time allowed for a proper and safe installation?
6. Are the manufacturer’s auto glass specifications followed?
7. Do you offer a transferable lifetime warranty on auto glass parts and workmanship?

Check with your insurance carrier to see if they include Phoenix auto glass shops that provide only OEM auto glass parts and adhesives. Many of the major insurance companies will have a list of Phoenix auto glass shops for you to choose from; however, it is possible that only some of these them will have the quality OEM auto glass parts you desire. You could be improperly steered to a facility of their choice for “cost saving reasons.”

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Very often we land up spending more on insurance policies than on ourselves. Many insurance policies like life, health, home, and auto insurance are not just essential but mandatory. Auto insurance alone can set you back by several hundred dollars every year.

How much the premium on auto insurance will cost really depend on many factors like: your age, driving record, where you live, the risk factors, and the make and age of your car. If you are style conscious and choose a powerful car in the latest model then you will certainly have to pay higher insurance. And, as you know having no auto insurance coverage is not an option. And, if you do not have adequate coverage and when good luck is not on your side, you could land in deep financial mess if you were to be involved in an auto accident or theft of the car for no fault of yours.

So stop thinking of cancelling your auto insurance comprehensive coverage and find ways in which you can have the same extensive coverage for lower costs. You can reduce auto insurance premiums by:

1. Making the time to shop around. Do the exercise well before the auto insurance comes up for renewal. Auto insurance premiums vary from company to company and between online payments and payments at offices or by mail. So, comparison shop and find an insurance policy that offers a great bouquet of coverage for less than what you are presently forking out for auto insurance. Shop online and use the tools for getting comparative quotes from different providers.

2. Thinking about increasing your deductible. Paying a higher deductible always lowers the premiums payable on auto insurance. Check your finances to see how much of a larger deductible is possible without pinching your pocket.

3. Maintaining a good credit score and report these always get you a better deal with auto insurance companies. A good credit report means that your risk is lower than others so insurance companies will gladly offer you better rates to cover your vehicle.

4. Being eco-friendly and driving an eco-friendly car then you will be eligible for a great deal from the auto insurance company. Many companies have special discount schemes on auto insurance for clients who care for the environment.

5. Keeping your mileage low if you driver lowers than say 7500 miles a year you will qualify for a low-mileage discount. Qualify for this discount on your auto insurance premium by car pooling, walking instead of driving to close by locations, and using public transport.

6. Not using your personal vehicle for business related travel. Vehicles used for work related driving attract higher auto insurance coverage than vehicles meant for personal use.

7. Considering a policy that covers all the vehicles the family owns. A group auto policy means much lower premiums than covering each car owned by the family separately.

8. Finding out if your organization or memberships to clubs or other professional organizations, makes you eligible for a discount on an auto insurance policy. For example most companies offer discounts on premiums to cover vehicles owned by members of AAA.

9. Maintaining an error free driving record for three years you will become automatically eligible for a discount on premiums payable. No accidents, drunk driving convictions, moving violations, or break downs means great savings on premiums payable on auto insurance. When you have a clean driving record it means your risk is lowered greatly.

10. Considering taking an auto insurance policy from the same provider who has extended life, home, and health policies for your family. When a company knows you well they are more than willing to offer you auto insurance at lower than market rate.

Other ways of reducing payment for auto insurance are: to live away from the city in a community that has less traffic, lower accident rates, and lower crime rates and to buy a low risk car. Sports and other high-performance vehicles are considered high risk by insurance companies and attract higher insurance premiums than a station wagon, sedan, or compact car.

Lower insurance payments on your car by following the recommendations of the road traffic police and insurance companies. For example installation of anti-theft devices, air bags, seat belts, and anti-lock brakes will make you eligible for great discounts on insurance premiums.

So, instead of moaning and groaning about high premiums reduce your auto insurance premiums by following the recommendations given above and constantly staying abreast of new developments in the auto insurance sector.

Barry Allen is a freelance writer for [http://www.1888carinsurance.com/] the premier website to find Car Insurance Quotes including auto insurance quote, online auto insurance quote, free car insurance quote, cheap car insurance quote, on line car insurance quote and more.

He also freelances for the premier Insurance Quote Site [http://www.1888insurancequote.com]