Ok so you might find the next few links interesting. These are from around the web, just random snippets that I’ve picked up in my reading, but I found some very cool information in them. You might too. Here goes…

Where Auto Insurance Is Most Expensive

Louisiana has the highest average auto insurance rates in the United States, while Maine has the lowest, according to new data …   Read More…

Mercury Insurance may face millions in fines

17 advocacy group funded by the firm, Californians for Fair Auto Insurance Rates, contend that the measure will increase competition and thereby lower auto …   Read More…

Study ranks LA highest in auto insurance rates

Entertainment News from AP BATON ROUGE, LA (WAFB) – A report in The New York Times states Louisiana has the highest average car insurance rates in the …   Read More…
That’s all the news for today guys, so until next time, thanks for stopping by.

Nothing is more miserable or disgusting in a car than dirty and smelly carpet. Have you ever spilled soda, milk, motor oil or even bleach on your vehicle’s carpet and thought to yourself that it would be nice to just replace the whole thing instead of trying to clean it? Well, it’s actually possible to do just that, and the job isn’t as difficult as you would think. Many people find it more cost efficient to replace their auto carpet, instead of trying to clean the dirt or smell from a soiled auto carpet.

What to buy?

Auto carpet can be purchased pre-molded to fit the form of your vehicle’s floor pan. So, you do not need to buy flat automotive carpet and try to fit it to the bumps and ridges of your car’s floor, but rather you can simply pull out the old carpet and drop in the new, pre-formed auto carpet. Buying this form of automotive carpet will make the job much easier and will eliminate most of the work. Sometimes, if you have a newer model of car, you can still buy carpet from the manufacturer, but in most cases the original OEM carpet will be 4 or 5 times more expensive than aftermarket auto carpet, and the quality of the carpet fibers can be inferior to the aftermarket carpet.

It is important to note that there are 2 types of automotive carpet backing. Most new cars, from the 90s and newer, have a type of backing/padding called Massback. It is a heavy foamlike rubber that is usually black. This type if backing is added to improve heat and sound insulation as well as some padding under the carpet. Most aftermarket auto carpet is made with a thin, plastic backing that doesn’t add much in the way of padding or heat/sound insulation so most aftermarket auto carpet manufacturers will add a 1/2 inch thick jute padding to this type of carpet backing to add some padding. Some aftermarket carpet retail stores will sell you the same carpet with either type of backing.

The first thing you will need to do when replacing your auto carpet, is to purchase a carpet kit for your particular vehicle. It is important to point out that now would also be a good time to buy a matching set of floor mats from the same retail store where you buy your carpet. Most manufacturers cut your molded carpet and floor mats from the same roll of carpet and to ensure that you get the same exact die lot; you should order both at the same time.

Where to start?

Be sure to pull the new auto carpet out of the box as soon as it arrives, since it will be rolled up and crammed into the box. The carpet will need about 24-48 hours to “relax” and regain it’s shape. Sometimes, letting it sit in a warm room, or direct sunlight will help speed up this process.

Once the carpet has relaxed, you can begin the job of installing the new auto carpet. The first step will be to remove the existing carpet from the vehicle. You may need to remove the sill plates by the doors, the seats and seat tracks if they are holding down the auto carpet and the center console. Basically, anything that is holding down the carpet will need to be removed in order to get the carpet out. Be careful not to destroy the existing carpet, and certainly do not throw the carpet away or discard it, as you will need to use it in a few minutes. Just set the carpet aside for the time being.

Now you should do a little prep work on the floor of your car to get ready to install the new carpet. At this time you can remove the old carpet padding, if any was left behind, but be sure not to remove any body insulation from the floor. You can install heat or sound insulation such as Dynamat at this time and patch or repair any holes in the floor of the vehicle. And it should go without saying, but sweep and clean up and dirt or loose matter from the floor of the vehicle.

How to Install

Most aftermarket auto carpet kits will come slightly oversized and without the pre-cut holes. So, there will be a little work to get the new carpet into the car. There are 2 methods of cutting and trimming your carpet to get it into the vehicle; you can choose which will work best for you. Your first option is to place the new auto carpet over your old carpet, trim the edges and cut the holes. If you chose this option, you will need to be very careful not to over cut the holes or cut too much from the edges, since you are using the old carpet instead of the vehicle itself. The 2nd option is to work the new carpet into the contours of the vehicle floor and trim the carpet as you go. This method will give you more accurate results, but may be a little more difficult. Either way, it is important not to cut and trim too much with any one cut. It is best to work slowly, making small cuts and double check that the carpet has not shifted after each cut.

A little secret for making the small holes for things such as the seat bolts is to make a small “X” cut with a knife blade where the hole was in the original auto carpet. You can then simply push the bolt through the carpet. There is usually no need to try to cut a complete hole in your new carpet.

Occasionally you will find that a small section of the auto carpet wants to lift up off the floor, or tries to create a small wrinkle. This can easily be fixed with a small shot of spray adhesive. It is not recommended to spray the entire floor of the car, since the molded carpet should be held in place with the seats and trim pieces that were holding the original carpet in place.

Once the auto carpet is in place, and trimmed to fit, now you can begin to replace the pieces that were holding the original carpet in place. If you removed the seats, sill plates and trim pieces, then all of these pieces will need to go back into the vehicle.

Once all of pieces are back in place, your job is complete. You will be amazed at how much difference a little work can make to the appearance of your vehicle, not to mention removing that horrible smell that some things like milk can leave behind!

About The Author

Todd Speary has been working in the automotive industry for many years and now owns Stock Interiors, which sells custom made automotive interior products such as molded carpet, headliners, floor mats and much more. You can find them online at http://www.stockinteriors.com

How Auto Insurance Rates Are Determined

Most people have no idea what their auto insurance rate is actually based off of. I believe loosely that it is some “pie-in-the-sky” number that came out of thin air. I assure you it is not in the more you understand your insurance rates the better position you will be to reduce them at some point in your life.

Let’s outline some factors that auto insurance companies is really important and ultimately affect the check you send them every month.

First, your car insurance rates will be higher when you were younger and lower when you are older. One of the great things about getting old is that your insurance premiums go down. When you are young you were viewed as part of the population that is very risky to ensure. Young people by nature act recklessly and take unnecessary risks that older people will not. It is for this reason that rates for a 16-year-old will be 3 to 4 times more than auto insurance rates for a 50-year-old.

Second, your physical location matters. You will pay a little bit more if it snows where you live. People who live in large cities pay more than people who live in small towns or the country. The crime rate of where you live is factored in as well because certain zip codes statistically have higher automobile theft rates than others.

Third, believe it or not your marital status can affect your car insurance rates. Statistically speaking married people are safer drivers than single people. There are a bunch of theories about why this is but it is generally accepted that married people take lesser risk in people who are not married. They have a home, kids, a wife (or husband), a timeshare, and several other liabilities that they are responsible for. A married person, generally speaking, will not be cavalier with his or her life on the road for cheap thrill. Single people, on the other hand, have less to lose and have a history of being more carefree and therefore pose a greater risk of getting into an accident.

Fourth, your driving history (record) is considered. You are considered by the automobile industry to be high risk if you constantly get speeding tickets, run a red light, do not stop at a stop sign, speed any school loan, driver recklessly, do not signal while on the road, or d
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rink and drive. Doing one or several of the items just mentioned will place you into a high-risk category and jack up your insurance rates. If you get too many of those violations in the specified period of time or receive a DUI you will need SR 22 insurance. This is special insurance for the riskiest drivers in the nation and it costs a lot of money. If you are fortunate you will be able to obtain an SR 22 insurance policy for $350 every month. Depending on what car you own you may not be that lucky.

Fifth, and finally, an insurance company takes into account what type of vehicle you are currently driving. Newer vehicles and sports vehicles will demand the highest insurance rates. There are some vehicles that are very safe but easy to be stolen. It will also cost more to insure. If I were you I would check to see which vehicles are relatively inexpensive to get insurance coverage on and which ones are the most expensive before I go car shopping. The amount is based off of statistical data and hard numbers I would not try to guess yourself.

These are the five main components in factoring insurance premiums. There are other smaller items but these are the top five in the ones you need to be aware of. Some of the things you can change some you cannot. But by knowing and understanding why you are paying the amount you’re paying every month you’ll be better prepared to get it reduced in the near future.

By: Advantage Pacific Insurance

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Mon Feb 1, 7:39 PM

EDMONTON (CBC) – A police service disciplinary hearing has ruled that a veteran Edmonton constable must forfeit the equivalent of $4,800 in pay after being convicted of drunk driving in 2008.

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Const. Brian Toner, 50, was convicted in May 2008 of having care and control of a vehicle while impaired. He was handed a conditional discharge and 18 months’ probation in provincial court last April.

In a decision released by a police disciplinary body Monday, Toner was suspended without pay for 80 hours and will immediately forfeit 40 hours of accumulated overtime as penalty for his behaviour and criminal conviction.

“The [Edmonton Police] Service has been very clear and consistent in its messaging about drunk driving and investigations of those (citizens and members of the Service) who disobey the criminal law and disciplinary regulations,” said police Supt Mark Logar, who presided over the disciplinary hearing. He said arguments on behalf of Toner by the police association and representatives of the police department “do not even begin to reflect the gravity of the Constables misconduct … provide an entirely insufficient denunciation, and furthermore serve as insufficient general and specific deterrence.”

In February 2006, Toner was found intoxicated and passed out in his parked and running car three blocks from the west division police station. He had been drinking after his shift with some colleagues in the station. He was found by a fellow officer, who brought him back to the station and charged him.

According to the conditions of his probation, Toner was to seek treatment for alcoholism. He was to abstain from alcohol and provide a breath sample whenever requested. He was to have performed 30 hours of community service and cannot be in bars when off-duty.

Toner also was banned from driving for one year. At his sentencing last year, Toner told the court he has struggled with binge drinking most of his adult life. The drinking got worse in 1990 after he shot a man who attacked him with a knife while he was responding to a call.

Toner attended a 56-day residential treatment program in B.C. after he was charged in 2006 and said he has been sober ever since.

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Dan

Oklahoma City, Oklahoma

Usually, affordable car insurance for young people may be qualified for various discounts. If you try hard to find ways to lower your car insurance rates you will know that it requires you to act more responsibly. Various car insurance companies offers car insurance for young people at a cheaper price.

The most common discount provided to young drivers is a good student discount. If you have a grade point average of B or better, and are below twenty five years of age, you may be qualified for this discount. This type of discount is given to students who shows responsibility by doing good in school.

Another way to obtain lower car insurance for young people is by making the teen not listed as a primary driver on the vehicle. If there are more than one vehicle in the household, it is better that you will be listed as the secondary driver only in those vehicles. This will definitely lower your car insurance rate in Oklahoma.

Another common discount for households with young people included in the policy is a multi-car discount. If you insure all the vehicles in the household with the same company, you can get discounts for this.

Among other factors, if you maintain a good driving record, you will pay low car insurance for young people. Make sure you drive safely and responsibly.

Johnny

Oklahoma City, OK

It’s true. Car insurance for young drivers in Oklahoma is quite expensive compared to car insurance of older individuals. This is due to the reason that young drivers lack a long driving record. Without this driving history, car insurers have no basis on determining if a young driver is responsible enough on the road.

The key to shopping for car insurance for young drivers is to spend enough time in looking for cheap car insurance. You can start this by shopping for car insurance quotes for young drivers Oklahoma. Simply go online and type the keywords. Within seconds you will be given a listing of websites offering cheap car insurance quotes for young drivers in Oklahoma.

Browse one of the websites offering cheap car insurance quotes for young drivers Oklahoma. Fill out the form and give your personal information and the model of your vehicle. You will be then given a listing of car insurance rates and features from various car insurance companies.

Now decide which among the car insurance quotes for young drivers Oklahoma is the cheapest and offers the best features. You also have to consider the reputation of the car insurer before you eventually purchase one.

What are some criteria for deciding what your insurance premiums will cost?

Chris

Lawton, Ok

Excellent Question Chris,

When insurance companies look at auto insurance rates for an individual, there is some criteria that is not based on their driving habits or their place of residence. Many insurance company’s review a person’s credit history to determine if they are the type that will pay the premiums regularly or will they have to chase them down every month to keep their coverage up to date.

A lapse in coverage can also cause car insurance rates to go up, if the person is required to carry what is termed in many states as an SR-22. This indicates that for some reason the person’s license has been suspended, usually due to lack of insurance coverage, and the insurance company has to keep the state notified of any change in coverage for that person. This additional work will cost the company money, resulting in auto insurance rates to obtain and keep coverage, typically for a three-year period.

Some of the obvious factors affecting car insurance rates are speeding tickets, accidents and convictions for driving under the influence. Many insurance companies interpret these convictions as placing the driver on the high risk list and will charge them more for their coverage