March 2019 – Car PFA

Tips For Finding The Best Car Loan Rates

Posted on March 30, 2019 by blogger

Finding the best car loan rates is never easy. Yet there are some nifty tricks by which you can grab the best deal which are discussed in this article.

Online car loans usually ensure better rates and your location is not an obstacle for finding the best deals. Yet to find them, you will have to do proper research on various financing options available. While searching for the best car loan deal, you will need to follow certain steps which are discussed in this article. By doing these steps you will be able to get the best interest rates for your car loan.

First step for finding the best deal is to assess various financing companies. There are numerous car financing institutions in the loan market operating both online and offline. Offline lenders are located mainly at high streets and can be directly contacted for getting quotations and other information. Generally, most of the offline lenders offer higher rates because their working costs are far higher than that of online lenders.

Online lenders, on the other hand, offer better rates and greater convenience to borrowers. With them, you can perform all the steps for availing the loan in your home or office. You will only need to spend some time online for getting quotations and related details. They also offer better interest rates as the working costs of them is much lesser compared to offline lenders. They do not need to open many offices or appoint many staff to run their business. This directly reflects on the interest rates also.

Getting the service of online brokers will also help you achieve your goal. They will help you make accurate comparison between the deals and will help you negotiate lower interest rates with the lenders. The term best is relative and varies with individuals. Suitability factor depends on the financial background of the borrower. To find the best deal, you will have to wisely balance the interest rates and the repayment tenure of the loan according to your financial status. Shorter repayment tenure is always better as you will have to pay more money as interest.

Increasing the down payment is another effective step to cut down on interest rates. There are many zero down or slight down payment schemes available. But you have to pay higher interests for such deals. Lenders consider those who are willing to pay bigger amounts initially as more credit worthy and offer them better rates. As a general rule, down payment of around 20% of the total loan amount will get you lower interest rates. Getting pre-qualification is another step to lower cost of car loans. By doing so, you can reduce the costs by asking discounts and extra offers.

Follow the above mentioned steps and get a cheap car loan saving a lot of you hard earned money.

How To Remove Bird Poop Droppings & Not Damage A Cars Paint Job

Posted on March 28, 2019 by blogger

Most car owners have no idea that bird droppings cause permanent damage to car paint, until it happened to their car. Paint damage from bird poop is an expensive problem for car owners Internationally. A study from Zurich Insurance found that repairing the damage caused by bird droppings costs British motorists 57million pounds annually.

A sunny day can turn your cool car into a hot oven. So, classic car owners prefer a parking place in the shade to protect their cars paint job. If your shady spot is under a tree, its also the home of the worst enemy of your car finish birds. There is NO product on the market that can protect your finish from bird droppings for more than a few minutes. Birds poop is highly acidic, and the longer you leave it on your cars paint, the more damage it will cause. If you try to clean it the easiest and most obvious way, wipe a it off, even with a wet towel, you can scratch the paint. This is because birds use gravel to digest their food. So, wiping bird droppings off your car is like rubbing gravel into it!

Every car owner should carry the following items in their car for quick and easy access a microfiber towel & a fresh bottle of SALT FREE seltzer water. This is simply water and carbon dioxide, which will not harm your cars paint job. You can take the lid off the water, place your thumb over the top, and shake it up really well to create a blast of water to wash off bird droppings BEFORE they ruin your cars paint job!

Tools Youll Need For This Job:

Rubber Gloves
Eyes goggles that hug close to your face, without openings on the sides.
Paper face mask or respirator
Plastic garbage bags & bag ties
Misting spray bottle full of water ,or a garden hose, if cleaning a large area.
Wide wallpaper or floor scraper with a smooth flat edge
Long Sleeve Shirt, long pants, closed shoes, socks and a cap for your head
Old Broom & dust pan used ONLY for this job. Do NOT use in your home.

Use a cover to protect your car, especially when you park it outside.

The quickest, and safest, way to remove bird droppings from your cars paint job is with a microfiber towel and a quick car detailer spray. If the bird dropping is dried on the paint surface, you can use a microfiber towel soaked in a 5050 mixture of water and isopropyl alcohol. Place the wet towel over the bird poop and let the droppings soak up the liquid for a few minutes. Then gently BLOT the surface to remove the bird poop. DO NOT WIPE OR SCRUB BIRD POOP. The gravel in the bird droppings may scratch your cars paint job.

In some cases where old bird poop has been dried onto the cars surface for a long time, it may still come out with a mild polish, such as Scratch-X. Use caution with Scratch-X, as it contains abrasives. If the bird droppings damaged your cars paint job, sometimes a good paint polish can fix the damage. HINT In a pinch you can try WD40, as it will not harm paint and will dissolve the bird droppings. Be sure to wipe up residual WD40 with soapy water. Follow this up with a good coat of car wax. In only the worst cases, old, dried bird droppings can cause irreparable damage.

Why You Need In-car Chargers

Posted on March 26, 2019 by blogger

Portable devices like cell phones and laptops need portable power. What is the use of carrying them around if you cannot also generate the power necessary for them to function? Imagine you have a very important meeting and your presentation is saved on a laptop, which is running on low battery. Or worse, imagine a dead battery when you need to use your phone urgently. That is why laptop car chargers and phone car chargers have been invented. You can buy a universal charger to use for all phone brands, laptops and other devices. In-car chargers are plugged into the lighter outlet of the car, which is usually 12V. Here are a few examples of in-car chargers:

Laptop Travel Charger
This is a Universal travel charger that you can use in the car or even on the plane and through the mains supply. The charger can be used anywhere with different voltages. It automatically sets the voltage according to according to requirement. Although this is designed specifically for laptop charging, it can support USB powered devices like mobile phones and SatNavs. If you have no time to wait till your laptop gets charged at home, you can easily charge it in the car, while driving to work.

Multi-Purpose Universal Charger
This is a versatile charger for mobile phones, iPods, iPhones, digital cameras, Sat Nav/GPS, PDAs, MP3/MP4 players, and portable gaming consoles like PSP, Nintendo DS and much more. It has over one year standby charge and accompanies a one button touch power checker along with charge transfer technology. Multi-purpose Universal charger can store up to 16hrs of talk time for mobile phones. This is light weight and easy to use. By using the car charger that comes with it anyone can just plug it in the car and charge a cell phone or laptop conveniently.

It can hold up to 192hrs, iPods 80hrs, Sony PSP for 10hrs, MP3/MP4 players 12hrs and PDAs for 90 hrs maximum. The charger comes with Power Star GO unit, USB cable, charger cable, iPod connecter, mini USB connector, mini Nokia connecter, Samsung digital camera connecter, UK mains adapter, car charger, a user manual for instructions and a travel case for rough travelling and protection for the gadget at all times.

In-car chargers make life a lot easy by giving your everyday digital devices power on the move. If you drive, and use these essential gadgets, then it is crucial to buy an in-car charger, preferably for multiple devices.

Looking for Car Insurance For Your Vauxhall What Your Policy Must Have

Posted on March 23, 2019 by blogger

You have many options when it comes to insuring your Vauxhall. The insurer you choose may depend on where you live, who offers the lowest premium, and the company you already enlist for other insurance policies. While the right company and premium for you is a very personal decision, there are a few things every Vauxhall consumer should know. If you have too limited an insurance policy, you may not get financial assistance when you need it the most, such as after a major collision or when you are the victim of vehicle theft.

Guaranteed Repairs

Some insurance policies will guarantee all repairs for five years. If a car part that you have replaced as a part of your insurance claim fails within five years, you can get it replaced again at no or limited cost to you. This part of an insurance policy helps both you and your insurer protect your investment. A car with the proper repairs is less likely to get into accidents or fail to work, and guaranteed repairs give you peace of mind when you have work done. Bear in mind that repairs you pay for out of pocket and not as part of a claim may not be protected under this scheme.

Complete Replacement Coverage

Many accidents result in minor repairs, and if your car is stolen it may be recovered. However, if you are in a major accident your car may be deemed beyond repair. Likewise, if the policy can’t find your car within about a month, they will usually recommend that you file a loss claim with your insurance company. Complete replacement coverage is essential because it helps you buy a new car in these circumstances. You may not recover enough money to fully cover the expense of buying a new car, but you will get enough money to cover the current market value of your Vauxhall. Without complete replacement coverage, you can pay a lot more out of pocket when your vehicle can’t be fixed.

Comprehensive Drivers Coverage

Comprehensive insurance has many benefits, not the least of which is that it covers all drivers to whom you give permission to drive your Vauxhall. If you don’t have comprehensive coverage over all drivers, only named drivers might be covered in the event of an accident. For instance, you may loan your car to your teenage son; if he gets into an accident but is not named on the vehicle, your insurer could deny the claim if you don’t have him named to the car. With a comprehensive policy, you don’t need to worry about naming specific additional drivers to your insurance policy.

Legal Cover

More comprehensive insurance plans also offer legal cover up to a set amount. For instance, many policies will allow for a maximum of 50,000 in legal coverage. This protects you when you are sued after an accident. This is usually only relevant when you caused the accident, but even the safest of drivers can be liable for an accident at least once in his life. Another driver may try to take legal action against you for the costs they incurred after the accident, including the cost of repairs that were not covered by insurance, car replacement costs, or any medical fees that were not paid for by NHS or a private insurer. Legal cover is essential because without it you could be on the hook for thousands of pounds in no time.

Getting car insurance for your Vauxhall is not a decision to be made lightly. The right policy will depend on how much coverage you want for your vehicle’s modifications, the number of drivers who need to be covered, and whether or not you want to earn a substantial no claims bonus. However, always make sure that insurance covers some basic elements. While paying for a more comprehensive insurance cover costs more money now than choosing a limited insurance policy, it can offer more financial assistance in the long run. Consider hefty insurance an investment in the safety of your Vauxhall and the protection against major legal fees in the future.

Modify Your Cars Exterior and Interior by Adding Decorative Car Accessories

Posted on March 21, 2019 by blogger

If you have an average-looking car and youd like to transform it into something rather attractive, you can add up interior and exterior car accessories. Be confident when driving your vehicle by decorating it with appropriate accessories. With the wide selection of automotive accessories available today, you can definitely find the right accessories that suit the makes and design of your car.

If you have a tight budget, you can go for cheap but quality accessories sold by local garages and online retailers as well. Give your car a personal touch by adding selected car accessories either on the outside or the inside, or preferably both. If you have an old and worn out vehicle, why not design it with a full body kit to make it look rather new and appealing. You can also transform your average vehicle into a monster drive using the appropriate accessories. Make your car more secure and convenient by incorporating essential items or just make it look stylish by adding decorative accessories.

Car spoilers are great accessories that you can install by yourself. They come in a variety of colors and designs. You can use spoilers to get the down force plus the fashionable look you desire. If you have plans of selling your vehicle after several years, accessorizing it would help increase the resale value. Body kits are exterior modifications that add value and style to your car, albeit it takes professional skills to install these components properly. For a more stylish look, why not add car wings which are actually cheap in price.

Both a cars interior and exterior should be accessorized. Integrate essential components such as audio and video systems and air conditioner to make your car an enjoyable place to rest in. There is a wide selection of interior car accessories that you can incorporate such as seat and steering wheel covers, lights, gauges, read outs, etc. Compared to external accessories, most interior items are rather easy to install.

For car owners who are on the road frequently, there should be user-friendly tachometer and speedometer for a more convenient driving experience. Racing pedals and shift can also improve your cars handling.

Adding up the right accessories can certainly give your car a striking appearance and make it more convenient to ride on.