Finding of CHEAPEST Car Insurance, HOW ?~~

I was talking about how to buy the car insurance for new car, but certain people still looking around for cheapest car insurances to cut-off their budget. I have a friend who work as agent for car insurance gave me some tips on how to get a cheapest car insurance for our cars esspecially used cars for few years.

1. Search online / Yellow pages to obtain quotation from insurances companies. Most of the insurance companies have their own website with various kind of policies. Collect the informations about the premiums for the services and risk covered by the companies.

2. It is better to purchase / re-new our car insurance policy a year up front. It is because the insurance company typically gives us a better rate if we pay for a extended period up front.

3. We can also obtain further discounts such as NCB if we have a "clean" history ( no accideent / claimable record)

4. Always keep in touch with the agent for latest informations as some companies will provide some further discounts to their affiliated members.

Insurance for New Car

A friend of mine just bought a new car last month. He was asking me which insurance company is good for new car as there are quite many insurance companies in Malaysia such as Kurnia, MAA, Longpac, UniAsia and so on...

I told him that every insurance company has their own goods. Its only depends on how you choose for your car insurance.So how to buy car insurance for new car?

1. It depends on what type of car you buy. If you buy a mid-size family car, the insurance premiums may decrease if compare to you buy a sport car. If your purchased car contains of airbags, anti-theft devices, anti-lock brakes and daytime running lights, you will obtain some discounts on your new car insurance.

2. Furthermore, it is better to get an latest update on your current car insurance by calling your agent with the details of the new car you purchased.

3. We also have to ensure that we have enough bodily injury liability to cover our personal assets by determine what the bodily injury liability limits are on our new car insurance.

Maintain Car Alarm

I was talking about how to choose a right car alarm system yesterday, and now i realise that it is not enough to have the right car alarm system without "take care" of it. Am i right?

But how to maintain a car alarm? I went to a car accessories shop last night after finish working. The workshop assistant told me that it is pretty simple to maintain car alarm..I would like to share the basic knowledges with you as below :-

1. As we know, car alarm could function well if battery is in good condition. Therefore, we need ensure that car's battery contacts are clean and terminals are free of corrosion.

2. Examine the car alarm components under the hood periodically.

3. Lubricate the pinswitches of the hood and doors periodically to avoid from malfunctioning.

4. Avoid water from the outdoors as it can affect the life of the siren.

Choose the Right Car Alarm System for your Car?

My friend attended a birthday party at Bandar Sunway,Butterworth yesterday. After finish the dinner ,he paced up and down at the backstreet but he still could not find his car. All of the sudden, he has a bad presage in his mind that his car might be stolen, so he went to the police station nearby to report to the police.

I still remembered that my manager's car is being stolen at Bandar Sunway last year after he attending a dinner. Once i heard the news from my friend, the first thing that jumpped into my mind is they might not install the right car alarm system for their car.

To choose the right car alarm system that suit to our car, off course the most important is our budget. Do research online, through friends, at local auto shops and with the local police. These resources will help us from wasting money.

Besides, we should consider security features to make the audio system or cabin more theft-proof. It is better to install motion sensors that keep our alarm functional even without a roof over it. If affordable, we can add a theft-tracker which will help us to get car back and catch the thieves if it has stolen.

Save Gas Fuel of Our Car

We are facing various type of increment nowsdays. From flour to vegetables, from car petrol to gas fuel, increment has made our life turn into strict budgeting. We can choose not to eat mee or vegetables to avoid over budget, but we could not escape from spending in petrol and gas fuel as we need car to travel from a place to a place such as work.

Recently i was practicing some method to save gas fuel and i found that it is efficient. I would like to share with you here..

1. Change engine oil or auto oil and service our engine at car maintainance shop accordingly

2. Drive at the speed limit! Dont over speed and always keep tires inflated at the proper level.

3. Dont brake in a sudden and easy on the gas when accelerating.

4. Many people like to "throw" everything into the car, so it is good to remove unnecessary items from your car.

Tire Blowout? Handle it !

There are many cases of accidents happened in Malaysia esspecially during celebration of certain festivals. Some are because of the carelessness of drivers, some are because of drunk driver, and some are because of tire blowout and brake faulty.

Once tire blowout,try to hold our steeling in a straight course. Slowly let up off the gas pedal to gradually decrease the speed. Remember do not stop quickly after a blowout as it will increase the chances of losing control. After that, turn on signal and drift toward the side of the road slowly and park your car and turn on its hazard lights to alert passing traffic. If we do change the tire, it is better to have a passenger to keep a close watch on traffic to provide us some protection so that the passing traffic would aware of our extra warning and reduce tragedy from happening.

Start a Car But Car Battery is Low

My family and I went to my cousin's wedding dinner last Saturday. After finishing the dinner, my husband and I went to the car park to drive our car. When we reached the car park, there is a girl who was trying to start her car but failed. Without any delay, my husband and I walked towards to her car to give a hand.

We found that her car battery was low, therefore she could not start the car. Luckily we always have the jumper cables in our car, so my husband drove our car near to her car, and attached jumper cables from our car battery to the girl's car.

After that, my husband started our car and let it run with the cables attached to her car for about five minutes. Then the girl attemptted to start her car and finally her car can be started through the connectivity from our car.

She appreciated and kept saying thousand thank to us. I learned to start a car if battery is low this time, but the most important is we need to have the jumper cables in order to attach the connectivity from other car's battery.

Car Insurance

A friend of mine contacted me last weekend regarding the car insurance. Her car's insurance is going to be expired and she would like to renew it with affordable value.

I asked her if her car ever involved in accidents as this is the main issue to determine the budget. If her car is "free" from accident record, then she will be waived for the NCB deduction ( the NCB amount is quite big if compare to non-NCB deduction)

In my opinion, to get an affordable insurance, we need to drive safely in every moment. It is because our driving history is the number one factor insurance companies use when calculating an insurance quote. Besides, buying car insurance online to cutting out the middleman will help us to save extra money. The last thing that we need to take in consideration is to buy minimum coverage , minimum liability coverage according to our car's market value, it will definitely save our more money than carrying a large, full coverage policy.