car buyers eager to get big federal rebates

Car buyers eager to get big federal rebates.....I

"It is happening already. Customers are asking new-car dealers about getting as much as $4,500 for their old gas-guzzlers.

The new incentive, popularly known as "Cash for Clunkers," took effect Wednesday.

But it will be weeks before anyone knows the fine print of the federal program, such as how dealers register with the government for reimbursement of the rebates, or when and how salvage yards should process old vehicles into scrap.

To get the credit, the gas-guzzler has to be taken off the road and either destroyed or broken up for parts.

Consumers, car dealers and salvage-yard operators who want to participate in the program said they have plenty of questions while they wait for detailed guidelines due July 23 from the Transportation Department.... Car Buyers

Protect Your Motorcycle and Save Money with Progressive and LoJack

According to the National Insurance Crime Bureau, more than 60,000 motorcycles were stolen last year: that's one bike stolen every 8.7 minutes. That's the bad news. The good news is that now even more riders can save money and protect themselves from motorcycle theft by taking advantage of a program from LoJack Corporation and Progressive.

Riders can get a $50 rebate from LoJack on the LoJack for Motorcycles Stolen Vehicle Recovery System by downloading the online rebate form on motorcycle.progressive.com. And, Progressive customers who have LoJack installed on their bikes can now also get a 20 percent discount on their Comprehensive coverage premium. Progressive & Lojack

Motorycle Insurance quote from Dick Watts Insurance 502-245-3625

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Kentucky Auto Insurance quote

Call us for a free Kentucky auto insurance quote 502-245-3625.

Dick Watts Insurance
12200 Shelbyville Rd 112
Louisville, KY 40243
502-245-3625

weddings couples insurance for new couples

getting married, combining households, requires reviewing your auto, life, health, & homowners insurance policies

"With wedding season upon us, it can be easy for couples to get caught up in putting the final touches on their special day and ignore other essential steps in combining households. In addition to writing vows and gathering RSVPs, couples need to consider some very important post-nuptial details such as insurance policies and financial plans.

"It's important to review all insurance policies, from health insurance to automotive to homeowner policies, for under, duplicate or lapses in coverage," said Peter McMurtrie, chief claims officer for Grange Insurance. "For example, when combining households, couples will be dropping one homeowners or renters insurance policy, so it is important to ensure that the remaining policy has enough coverage to protect your collective household goods."

In addition to reviewing insurance policies, make note that you are now making important financial decisions together. According to Michelle Benz, president of Grange Life Insurance, setting financial goals for your new family should be a priority and something that you do together as a couple.....from Grange Insurance from "Me to Us"

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Dick Watts Insurance

12200 Shelbyville Rd 112

Louisville, K Y40243

Call us for a Grange Auto Insurance quote 502-245-3625

Let's Make A Deal On Your Dream Car

We have all witnessed and experienced the wrath of economic instability with employer cut backs, layoffs, employers filing bankruptcy or even just closing their doors as we all live and struggle together in our own individual economic crises.

But not all is doom and gloom! If we focus on the silver lining of each financial storm cloud! I'm talking about opportunity!

The opportunity to make the best deal possible when you purchase your dream car! Not the opportunity to take advantage of someone, but the advantage to make the best deal possible!

We have all seen the news of major auto manufactures cutting back, closing plants, closing dealerships or even filing bankruptcy, but what is not in the news is that automobile listings are on the rise at major internet sites such as EBay and Craig's list and the same goes for automobile fore sale newspaper adds in cities across America!

We have dealerships slashing new car prices as high as 40% in some areas and the same goes with used cars! This is opportunity knocking for you to buy that dream car at the best possible price.

Now before you jump you should ask yourself one very important question:

Do you really need that car? (Keep in mind that we are in economic bad times and if your purchase is going to place you into a financial strain, if would be best not to make that purchase). You don't want to have to be one who has to sell your dream car because you under estimated your financial situation!

If you answered yes we can now move on to making the best deal possible on your purchase by asking yourself the right questions!

How much can you afford? If you are going to finance your purchase you need to know how much of a down payment you can put down and how much of a monthly payment you can afford. (You must be realistic and honest with your self in this area).

Will your car be used for local or long distance travel? (Keep in mind that gas prices can turn your dream car into a money pit!).

What features are you looking for? You know those little extras such as air conditioning, cruise control, car color, stereo, 4 tires (just kidding), convertible or hard top, Anti-lock brake systems and so on.

Getting this all down (preferably on paper) before you start searching will save you a lot of time and money. Now comes one of the most important steps in any large purchase and that's research!

You will want to check and see what the average selling price is for that dream car in your area by checking websites and dealerships! They do this when you go to purchase a house or to get a home loan to find the value of your property and this same process works on just about any purchase you may make!

Once you have this in hand, you are now ready and prepared to make the best deal possible but you must be willing to walk away from the deal even if you have fallen in love with the car! Keep in mind your goal is to make the best deal possible and if you are willing to walk away your ability to negotiate is increased!

When you make your first offer you should make a low offer allowing yourself and the seller room to negotiate, this process makes everyone comfortable in the deal and at least for me its fun to haggle! But keep in mind that if you go in with a ridiculous offer the seller will most likely walk away leaving you looking like a fool!

Once you have made the deal on your dream car, take three more steps before you lay down your hard earned money!

Step 1: Ask the seller for service records (some will have them and some will not). If a vehicle has been properly serviced during its life time it can turn out to be a little treasure!

Step 2: Be sure to get a vehicle history report! This will identify any major problems such as odometer rollbacks, fire or flood damage and even past accidents.

Step 3: Have it checked out by a trusted mechanic! This will save you from purchasing a money pit!

By just following all three steps your dream car purchase will be one of the wisest purchases you may make!

I purchased a used car with a resale value of $32,000 for $17,900 several years ago by following each step! The car had an outstanding service record and even has a set of 8 manufactured vehicle manuals! So I took the deal to step 2 and ran a vehicle history report that cost around $19 and found out it was totaled because of hale damage even thought it was all repaired! Since I was all good with this I had it checked out by a trusted mechanic that cost me $75 and all was well so I made my purchase and drove this car for 5 years until I sold it for $15,000 making my true purchase less than $3,000!

Be prepared to stand firm and a willingness to walk away and you will find that your dream car purchase can be most exciting!
http://www.articlesbase.com/automotive-articles/lets-make-a-deal-on-your-dream-car-952754.html

AM Best Affirms Motorists Insurance Rating

The property and casualty companies of The Motorists Insurance Group have been informed by A.M. Best that it has affirmed their current "A" (Excellent) rating and "stable outlook." Motorists Life Insurance Company's current "A-" (Excellent) rating and stable outlook was affirmed as well.

"In these challenging times, many insurance companies have had downgrades in both rating and outlook. I am particularly pleased that A.M. Best has acknowledged the group's current financial strength and stable financial expectations for the future," said John J. Bishop, chairman, president and CEO.

"Our group of companies not only met its obligations to policyholders during the worst year for weather and investment losses in its history, but has the financial strength to continue to be a stable, reliable market in the future," Bishop added.

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