Auto Insurance » Low Cost Car Insurance

Protect The Value Of Your Sports Car – Here’s How

John — Wed, 22 Jun 2011 18:31:05 +0000

When you own a sports car, it’s really important to keep it in good shape to help maintain the performance of your sports car AND the value of your car. Our windshield repair prices friends have this advice that can help you keep your car in good repair.

Making sure that your sports car is in shape all of the time is not difficult. All it takes is preventive maintenance to avoid the hassle of taking it to a repair shop when the engine suddenly dies or the lights in the control panel light up.

One of the leading car manufacturers in the world is BMW. Not everyone can afford to buy a sports car from this company but here are some tips that will help you maintain your sports car…

Before going out for a drive, it is wise to check the brakes, the tires, the oil and the steering system to make sure that everything is normal.Also be mindful of your windshield – windshield chip repair is an inexpensive way to fix your windshield and is much cheaper than replacement.

If while driving the car, you hear a sound or noise that was not there before, take it to your mechanic or local repair shop to have it checked.

Have the mechanic check all the parts or the of the ignition system, for example: check the spark plugs as their condition is a very good indicator of how the engine is performing. They should be changed every 100,000 miles but there is no harm in checking them every 30,000 miles just to be sure that everything is alright.

The rotor and distributor cap are made up of plastic which deteriorate over time due to wear and tear. To make sure that these are not causing any problems when starting the vehicle have them checked.

The filter acts as a deterrent against rust and other harmful objects that may disrupt the performance of your vehicle. There several filters such as those for oil or fuel. These filters should be checked frequently – about every 3,000 miles.

The car’s mileage can be checked by calculating the amount of fuel purchased and the miles driven as shown by the odometer before and after fueling. If there is a sudden change in the number of miles per gallon, be concerned and take the car to the repair shop for analysis.

In the event that the car’s sensor lights come on, pull the car over to the side of the road then call for help. There is a possibility that the problem can be remedied there or it may have to towed to a repair shop.

Even if sports cars come with better and smarter engines, the possibility of something going wrong is still there. By taking every precaution, the driver can get to the place where he wants to go safely.

Thank you to our neighborhood mobile windshield repair friends – we appreciate the advice!

Maintaining Your Sports Car

John — Sun, 19 Jun 2011 18:20:30 +0000

When you own a sports car, it’s really important to keep it in good shape to help maintain the performance of your sports car AND the value of your car. Our chip windshield repair friends have this advice that can help you keep your car in good repair.

One of the leading car manufacturers in the world is BMW. Not everyone can afford to buy a sports car from this company but here are some tips that will help you maintain your sports car…

Before going out for a drive, it is wise to check the brakes, the tires, the oil and the steering system to make sure that everything is normal.Also be mindful of your windshield – glass windshield repair is an inexpensive way to fix your windshield and is much cheaper than replacement.

If while driving the car, you hear a sound or noise that was not there before, take it to your mechanic or local repair shop to have it checked.

Thank you to our neighborhood windshield repair quote friends – we appreciate the advice!

Creating a Car Wash Business Plan

John — Thu, 13 May 2010 10:40:26 +0000

Before embarking on writing a business plan for starting a car wash, a definition of what a business plan is in order. A business plan is a document to identify an opportunity, research why this opportunity is profitable and the steps needed to capitalize on the opportunity. The business plan can be a formal document or it can be written on the back of a napkin but the mere act of writing the idea down forces you to get the idea out of your head and on paper which helps find hidden business flaws and makes you think carefully about each phase of your business.

Creating a business plan is something anyone can do, even if you don’t know anything about business or finances. Even though the business plan is critical to getting the idea off of the ground, many entrepreneurs procrastinate when it comes to preparing a written plan. If you don’t know anything about business or finances, this is the best time to begin learning as the chances of your business being successful will be limited without this knowledge. Just as a builder won’t begin construction without a blueprint, entrepreneurs shouldn’t rush into new ventures without a plan. The old saying that “those who fail to plan, plan to fail” is very relevant when talking about starting a business. SBA’s statistics claim over half of new businesses fail in the first three years and the common factor is poor planning or under-capitalization (which is also poor planning).

Getting Started
The first step in creating a business plan is just getting started. Writing the business plan may seem overwhelming at first, but if you break the plan down to bite sized pieces and work on one section at a time won’t seem as daunting. Begin with what you know first and describe your business and your product or services. Work towards the more difficult subjects such as marketing, operations and financials. Don’t worry about it being perfect now, just get the concepts on paper – expand and refine later. If you get stuck on a section in the plan, skip it for now and come back later when you have more details.

Who is your audience?
When writing your car wash business plan, you need to keep in mind who your intended audience is and why you are writing the plan. Why? A plan for the bank will be less interested in the exit strategy and return on investment than one for equity investors. Additionally, a plan for written for internal use will be different than one looking for financing as a bank is not necessarily interested in detailed operations of the business.

Structure
Business plans tend to have a lot of elements in common. While there is not a format that all business plans follow, there are generally accepted guidelines that most follow as the order in which the subjects flow are not random. The Business Description of a business plan is aimed at painting a picture of your business and why this business will be successful. The Marketing, Management and Operations sections are researched and a strategy of how your business will compete and operate is developed. Last financial projections show in numbers what you explained in the business plan for the sales and expenses.

Breaking these three major sections down even further, a business plan consists of six key components:

Executive Summary

Business Description

Marketing

Managers & Employees

Operations & Location

Financial Projections
In addition to these sections, a business plan should also have a cover, title page and table of contents.

How Long Should Your Business Plan Be?
The answer that nobody liked in school applies to a business plan which is, “as long as it needs to be”. The more complex a business or the more sophisticated investors or funds requested will increase the length of a plan. An average car wash business plan narrative should be 4-15 pages plus financials and appendix items.

Business Plan Outline

Executive Summary
The executive summary is the first part of the business plan but is the last to be written. It gives the reader a quick glance of what your business proposal is about and what you are asking for. This part is critical as most readers will scan this section before deciding whether to read further.

The executive summary should typically be about one-half of a page in length and include what you would cover in an elevator pitch such as:

Explain the condensed version of the business concept

Product description or service proposition

This section should emphasize any unique features or benefits that what is currently in the industry or area, aka why would someone buy your product over the competition.

The demographics of your market

The Management team

When the anticipated start date is

Your equity position

How much are you asking for

Concise is the key in the executive summary. You will go into more detail later in the business plan.

Business Description
The purpose of the business description is to objectively describe the car wash business details and future potential include:

Mission

What the business does

Description of products and/or services

Industry information

Business Organization

Status of the business (start-up, expansion or purchasing)

Current and future goals

Any facts or figures should be noted and sources included in the business plan. This information is important should you need to defend your data and assumptions. The business description is where you are trying to paint a picture of the potential of your business along with the facts to support it. Try to inject energy and excitement to get the reader enthusiastic about the idea, without going overboard of course.

After describing the business, it is time to describe and additional products or services your car wash is selling. Keep in mind that it is important to show how your products and services are better than the competition. If you don’t have a good answer than you should rethink your strategy. What is it about your car wash that is going to get the customer to change doing business with the competition?

Marketing
A very important part of your business plan is the marketing section. Regardless of the quality of your products and your services, your business will be lost in the clutter of advertising. If you don’t know your customers, how will they ever find you? All of this begins with doing some research.

Customers: Who Is Your Market
The first step is to determine who you are going to sell to by identifying common characteristics of your market such as age, income, race, religion, education, interests and/or geographic locations. While everyone will want to wash their car product how are you going to effectively advertise to everyone and still make a profit? What you need to do instead is determine the group or groups of people who are most likely to use your car wash services and market to them. After all you are trying to generate a positive return on your marketing dollars, so use them wisely.

Competition
In today’s ultracompetitive marketplace, there is going to be competition, no matter how creative your business concept is. Attempting to run a portion of your car wash business better than the competition may be a difficult challenge so it is often better to focus on planning on being different and competing with them less directly. Can you serve a particular market niche such as the elderly that isn’t being looked at? Can you identify a unique operations/marketing/distribution strategy with a mobile approach? Even if you don’t have direct competition in your area meaning someone selling the same or similar products/services, you will have indirect competition for replacement products/services. If you indicate in your plan there is no competition it will be viewed that there is either no market for your product or you have not done your research.

Optimally you will want information on at least three but no more than five competitors. List information about who they are, how long they have been in business, location, products or services offered, perception on pricing, quality, etc. and compare your advantages and disadvantages. If the information you are looking for is not available online, you may need to pretend you are a customer to get some of this information.

Distribution – How Will You Get the Product To The Customer: By looking at who your market and competition is, you will have an idea of how to get your product to them. Perhaps through your research you will find a strategic advantage to serve the customer that the competition does not.

Promotional Strategy
With the above steps researched, the promotional strategy follows. The promotional strategy is where most entrepreneurs fail as they use the blanket statement that they are going to advertise in the newspaper, radio and/or television without thinking through the process or the customer. The promotional strategy provides you a map of how you are going to reach your market in the most efficient manner possible. Advertising is expensive, use it wisely.

Sales Projections
On of the more difficult areas of the business plan is coming up with sales projections. This number is probably going to be wrong and that’s ok. What you want is a figure backed up with justifiable data. Just grabbing a number out of the air saying you will make $300,000 won’t work. There are many sources to help come up with this number including:

Industry journals

Trade groups

Car washes in similar demographic areas

Industry experts

Census data

Pricing
The effects of pricing play a large role on how your product is perceived in the marketplace. Price too low compared to the competition and your product could be perceived as cheap and unreliable. Price too high with the features and benefits of your product and few customers come through the door. While this is a complex issue, here are a few things to keep in mind.

Make sure you can make a profit at whatever price you are selling at.

If you want to have lower costs and “get your foot in the door” it may be better to offer discounts or coupons initially until your business is better known.

Don’t be afraid to charge more for your product or service than the competition if you have something of more value to offer.

Pricing is the easiest of the marketing mix to change. You may find that a large competitor will under price you to ensure you can’t make a profit and your car wash goes out of business.

Management & Employees
In this section you would describe who is going to manage the business on a daily basis as well as provide strategic direction (if these positions are separate). Each of these people need to have a brief biography included as well as a resume in the appendix. Try to show how the experience and education of these people will be able to successfully execute the strategy in the business plan and succeed. Many times the owner may not have the specific experience for this business, so it is very important to pull their other professional experience in and explain how it will make for a successful operation. Next, a brief explanation of the employees is in order including:

What positions need to be filled

When they need to be filled (This is important in developing financial projections as you may have some employees come on after you start)

How much they get paid (Be sure to calculate payroll taxes as well, estimate 15% if not sure)

It is also recommended to add the professional and advisors to your business. These people include:

Board of directors

Consultants

Accountants

Attorneys

Bankers

Mentors

Operations & Location
The operations and location section of the plan illustrates how you are going to make or acquire your product and information about your business location.

Operations – Explain how and where your products or services are made. A few points to include in your plan
How does your car wash operate, what steps are in your service?
Who are your suppliers?
What are the terms and lead time for this product?

Location – Location is where you will be doing business out of. If you are in the classic, I can’t get my location until I get a loan so I can’t finish my business plan scenario, list what features you are looking at in a building along with average prices or rents and pad that number a little just in case. A few things to add:

Department of Transportation traffic count – most states have this information online to show how many vehicles pass your location each day.

Building description

What is the size

Where is it located

Specific reasons for this property

Proximity to suppliers, roads, airports, railroads, and shipping centers, etc.

Zoning

Average utilities – Be sure to get the last 12 months from the electric company if the building had been occupied. This could be an expensive lesson from a dishonest landlord. If you are opening a new location, try to talk with other car wash operators in a non-competitive area to get a estimate

Add pictures to the appendix

Add a floor plan to the appendix

Purchase price or monthly rent/lease

Include sales/rent/lease agreement in appendix

If building or renovating be sure to include quotes as this is an area frequently underestimated in costs.

Financial Projections
Financial projections are placed at the end of your business plan, before the appendix but it a very critical piece to the plan. The three must-have financial statements are a cash flow statement, a profit and loss statement and a balance sheet. The information already provided in the narrative portion of the business plan must match the financial projections. Most financial projections are three years in length. It is a good idea to include a Notes & Assumptions to Financial Projections page to both help make sure all of your numbers come through and provide an itemized list to provide clarity for the reader.

Notes & Assumptions to Financial Projections
Loans

Break out each loan (building, equipment, inventory)

Amount

Interest rate

Length
And any monthly costs not discussed in business plan narrative

Cost of goods/inventory

Advertising

Employee wages

Insurance

License & fees

Miscellaneous

Professional fees

Rent/property taxes

Repairs & maintenance

Supplies

Telephone

Utilities

Vehicle expense

Etc.

Anything else that needs to be explained in the financials that is not in the narrative

Financial Projection Sections

Startup Expenses – These are all expenses you will incur prior to opening your car wash. It is recommended to have quotes available or in the appendix for the larger items. It is also recommended that you pad your numbers some as there will always be unexpected expenses that were not accounted for.

Sources and Uses of Funds – This section details how the loan money will be used (inventory, car wash equipment, repairs and improvements, working capital, etc) and who is providing it (bank, investor or owner). You will likely need to be injecting 20% of your own money and maybe more depending on the risk assessment of the business and your personal finances.

Cash Flows – The cash-flow statement is one of the most important pieces of your business plan. It shows a schedule of the money coming into the business and expenses that need to be paid and whether you have enough cash to sustain the business gained during the warm month to cover the costs during the winter months. Every part of your business plan is important, but none of it means a thing if you run out of cash. Should this number be negative, you either need to raise sales, reduce expenses or have more cash. Your cash flow statement will typically be three years in length with the first year analyzing the monthly figures and later years by quarter. Don’t be intimidated with the cash flow statement as it is merely a future look into your checking account.

Profit & Loss – This statement, while similar to the cash flow statement but illustrated annually looks at the effects of non-cash charges such as depreciation and amortization to get an accounting overview of the operations of your business.

Balance Sheet – The balance sheet is a summary of the value of all assets, liabilities and equity for an organization at the end of each year. A balance sheet is often described as a “snapshot” of a company’s financial condition and will show the value of the business over time.

Personal Financial Statement – If you are looking at bank financing every person who will have a 20% or more ownership position will need to provide a personal financial statement to show how effective they are at managing your money. This statement will show your assets (checking & savings accounts, cd’s ira, 401K, valuables, home, vehicle, etc) as well as assets (mortgages, credit card bills, installment accounts, etc)

Appendices
Appendix items are various pieces of information that help make your case. Include details and studies used in your business plan; for example:

Quotes for items over $500

Resumes of the management team

Industry research

Demographic data and trends

Maps/floorplans/blueprints of location

Leases and contracts

Letters of support

There is a lot to creating your business plan but will definitely make your business stronger. While it may seem easier to have someone else write your plan, there is no substitute to writing it yourself. This is your business and by writing it yourself you will have a better understanding of your business and strategies for success. There are also many free business plan templates and workbooks available on the web to help you get started. You can use these to help get started creating your business plan and then modify it for your car wash business.

For more free articles and resources for starting a car wash are available at www.StartingACarWash.com.

Additionally, business plan help can be found at www.TheBusinessPlanFactory.com

Michael Gregory
http://www.articlesbase.com/small-business-articles/creating-a-car-wash-business-plan-350295.html

(Low Rate Auto Insurance) How To Find CHEAPEST Car Insurance

John — Thu, 13 May 2010 07:37:05 +0000

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Different Vehicles Equal Different Insurance Rates

John — Tue, 11 May 2010 09:01:36 +0000

Saving on auto insurance is as easy as asking for discounts and even buying the right vehicle.

You can save hundreds on your insurance premium just by buying the right vehicle. If you are looking to purchase another or a new vehicle, make certain you do not purchase a high performance or higher priced vehicle. Mustang Cobras, Cameros, Irocs and any other car that is considered a sports type or high performance vehicle will be quiet high on insurance. Stick with lower priced, safer vehicles if you want to keep insurance premiums low.

Auto insurance premiums can be kept lower by making sure you are getting all of the discounts your company offers. This can be done simply by asking your agent to review your policy with you. Some companies offer safe driver, multi-vehicle, multi-policy, driver’s education or driver’s training courses, and/or discounts if you are married or over a certain age.

Keep your premiums lower by either, increasing your deductibles (out of pocket cost), lowering your liability limits, or even dropping the coverage to just liability and uninsured motorist. If you have an older vehicle which is paid for and has a lower book value, consider carrying just the minimum coverage on it.

If you have a young driver in your household make sure to start them with an older, paid off vehicle and just liability. One thing that a lot of people are aware of is the fact that some companies actually apply discounts to pickup trucks which they do not apply to cars. Therefore, starting a young driver out with a pickup truck could save you hundreds of dollars.

Always make certain of your companies policy on accidents. If they do not offer first accident forgiveness, you could be looking at anywhere from a 10% to a 40% increase in premium after your first accident (at fault or not). Find out for sure if they will not cancel your policy after your first accident providing you are not cited for a vehicular offense (D.U.I. or D.W.I. et cetera).

This leads us to another way to keep insurance lower. Not only is drinking and driving or driving under the influence illegal, it will also get your insurance cancelled if you are convicted. This means that you will have to go to a substandard company, most likely get an SR22, and, therefore, pay anywhere from $1500 to $2500 a year for full coverage insurance on a vehicle. The premium could be even higher than that depending on what you are charged with.

One simple way to save on auto insurance is to just check with different companies. Compare rates, but also make certain to compare policies making sure that they are carrying the same coverage. If you find a lower rate on insurance but the liability limits are lower and deductibles are higher compared to another one of the same rate (with higher limits and lower deductibles), then you are not getting a better deal at all.

In conclusion, simply ask, look, and purchase wisely and you can save hundreds on auto insurance.

Perry Scott
http://www.articlesbase.com/finance-articles/different-vehicles-equal-different-insurance-rates-1153893.html

(California Auto Insurance) Find CHEAPER Car Insurance

John — Sun, 09 May 2010 20:46:36 +0000

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The Purpose Of The Salvage Car Auction

John — Sat, 08 May 2010 19:05:15 +0000

Salvage car auctions are becoming big business in America today. In todays more ecologically considerate world where Reduce, Re-use, Recycle has become a catch phrase, recycling of salvage vehicles has become a major player in saving our ecology. The salvage car auction offers a great way for salvage yards to buy damaged vehicles for their recycling purposes. Most generally these salvaged vehicles are taken back to salvage yard and parted out before the left over husk of the vehicle is crushed and generally sent off to be melted down to make new metal products. Thus the lawn chairs sitting on your patio, in another life, could have been your first car that you wrecked on prom night.

What Is A Salvage Car Auction?

So what is a salvage car auction? Basically most of the vehicles brought up for sale at a salvage car auction are from insurance claims. When a car is involved in an accident, the insurance company takes a look at the damage to the vehicle and other factors such as the age of the car and the Kelly Blue Book value. If the estimated cost of repairs to the vehicle is more than the value the insurance company assigns to it, then the vehicle is considered totaled and the insurance company buys the vehicle and salvages it.

The interesting point to all this is that insurance companies then sell these cars at a salvage car auction and these cars can be bought very inexpensively. What makes this such a great deal is that, while most of the cars that come thru a salvage car auction are destroyed beyond repair, some vehicles with very minor damage are considered totaled due to the age of the vehicle or the expense of a particular repair. Many times a summer hailstorm near a new car lot will result in a huge loss for the insurance company and a large number of cars that are mechanically sound but suffer from cosmetic damages. What does this mean for you?

What it means is that you can buy a new or nearly new vehicle for a very low investment at a salvage car auction so long as you can deal with the minor cosmetic flaws such as dinged paint or chipped windshields. So it is quite easy to see that salvage car auctions serve a purpose in our society and can make for some wonderful savings.

Mark Lindsay
http://www.articlesbase.com/automotive-articles/the-purpose-of-the-salvage-car-auction-110465.html

Car Insurance? Ways To Lower The Cost?

John — Fri, 07 May 2010 03:03:10 +0000

I’m about to purchase my first car, but we’re putting the title in my fathers name so the monthly payments will be about half of what they would have been. Is there a way I can do this with car insurance as well? Will putting it in my fathers name make it lower as well? I’m assuming yes, but you never know.

This site helped me get cheap insurance:

http://cars.guidearticles.com/insurance-comparison.htm

you can get a price quickly, no hassle.

Finding The Right Insurance For You

John — Thu, 06 May 2010 02:05:42 +0000

Insurance can be the most important forms of cover you will need, it can mean the difference between having to pay out a huge some of money should you find yourself in a situation such as a house fire or just paying a small excess.

Many people have lost their homes due to not being insured for damage caused so it really is something that can not be over looked.

When looking for insurance You should know that typically home insurance covers personal objects such as jewelry, watches & important papers etc. If you search for additional cover apart from this then you have to fill in the Personal Articles Form. Speak to your agent concerning the cover that is already there and about any additions you require.

Deciding on which policy or provider to have your insurance with can be a lengthy task, you can employ a broker to do this for you or you can simply go by word of mouth. Speak to friends and family and see who they recommend. Ask about any bad experiences they have had and places to avoid.

Always check the cover, make sure you ask about additional extras and what they will cost. If you have a diamond ring this may have to be listed on the policy or something with high value this will also need to be named on the policy.

Excess is always important and can vary depending on the insurance company you chose to go with. Make sure you know what the excess will be in the event of a claim and understand the policy fully and make sure it suits you and your needs.

If the insurance you are looking for is for your car then it is always recommended to get more than one quote, you can find online forms which can easily be filled in however there are a few things you may want to consider.

Always provide as much information as possible including your marital status, any safety features your car has, and mileage as this can affect the rate you will pay for the insurance. Never go with the first company you speak to, although you may come back to them it is well worth shopping around for quotes.

If possible reduce your cars mileage, this may mean you qualify for a low mileage discount as well as being good for the environment.

By adding extra security to your car you can reduce the premium of your car insurance, adding a car alarm or an anti theft device will reduce the risk of theft and will there for reduce the car insurance policy.

What ever type of insurance you are looking for it is always best to know what you want, have a look over the world wide web and spend sometime looking around. You never know when you will need to make a claim and not being covered could prove very costly having the right policy cover will give you peace of mind.

Allen Jesson
http://www.articlesbase.com/non-fiction-articles/finding-the-right-insurance-for-you-160019.html