Consumer s Guide to Extended Vehicle Warranties and Service Contracts
|
|
- Claude Johnston
- 8 years ago
- Views:
Transcription
1 Consumer s Guide to Extended Vehicle Warranties and Service Contracts
2 Table of Contents 1. Vehicle Warranty Basics Benefits of an Extended Vehicle Warranty How to Decide if an Extended Vehicle Warranty Is Right for You How to Choose an Extended Vehicle Warranty Provider How Repairs and Payments Are Handled Payment Options, Transfers and Cancellations Why Choose Warranty Direct? We're In It for the Long Haul We're Different by Choice Strong Ratings and Track Record Contact Warranty Direct Today
3 1. Vehicle Warranty Basics Most new vehicles purchased in America come with a warranty - typically an agreement between the manufacturer and the customer that, if vehicle parts or systems break, malfunction, or otherwise require repair or replacement within a certain period of time (typically 3 years or 36,000 miles, whichever comes first), then the manufacturer will repair or replace the parts under the terms and condition of the warranty at no cost to the customer. Vehicle service agreements (also known as extended warranty plans) are designed to offer similar peace of mind by extending the length of time a customer can expect to receive such coverage. Vehicle service agreements differ in terms of scope and coverage. Some vehicle service agreements offer comprehensive coverage similar to a manufacturer s warranty, while others agreements offer coverage of certain parts such as engine and transmission. Given the variety of vehicle service agreements, you can select the options that are right for your needs and budget. 3
4 2. Benefits of an Extended Vehicle Warranty Depending on the plan you buy, and what company you buy it from, an extended vehicle warranty may offer many benefits including: Peace of mind knowing that if costly repairs are needed, your plan will likely cover those expenses * The cost of the service contract is typically less than the cost of major repairs You are able to keep your vehicle in good condition so that you can get maximum use of it, maintain its value, or perhaps sell it later. Providers like Warranty Direct allow you to get any needed repair work done at the garage or facility of your choice, and use industry standard guidelines to protect you from any unreasonable charges A number of available plan provide roadside assistance, so if your vehicle breaks down away from home, a repair or towing service will come to you at no extra charge Providers like Warranty Direct allow you to transfer your extended warranty to anyone who buys your vehicle in the future making it easier to sell For high-end cars like Mercedes and BMW, repairs can be so expensive; buying an extended warranty is a no-brainer. For many other makes and models, it is also an excellent value and a wise purchase. * Subect to the plan s terms and conditions 4
5 3. How to Decide if an Extended Vehicle Warranty Is Right for You Today most cars, trucks and vans are made so well that repairs during the manufacturer s warranty period (typically 3 years or 36,000 miles) are usually minor. But once that manufacturer s warranty expires, the burden is on you to pay for any repairs, which can run into the thousands of dollars as the years and mileage add up - unless you are protected by some sort of extended vehicle warranty or service contract. So unless you trade your vehicle(s) before the manufacturer s warranty runs out, purchasing an extended vehicle warranty or service contract may be a wise decision. With a vehicle service contract, you will have the assistance you need when an unexpected repair bill occurs. Between the end of the manufacturer s warranty, and the retirement age of your vehicle, an extended vehicle warranty makes good sense for millions of people. 5
6 4. How to Choose an Extended Vehicle Warranty Provider Extended vehicle warranties (service contracts) are available from many providers, both online and offline. Not all providers, however, are the same and you have be careful and review the information about the contract and provider carefully. Here are some key questions to consider in selecting an extended vehicle warranty provider for you and your family: Who takes care of the claims? - A lot of online businesses simply sell some other companies' vehicle service contracts (extended car warranty plans). Companies that sell and administer their own plans (like Warranty Direct) are better equipped to provide reliable, consistent service and support because they know their own plans Are you getting an exclusionary plan? Manufacturer s warranties are called exclusionary plans because they exclude only a few items or situations. (Many of Warranty Direct's extended auto warranty plans are also exclusionary plans.) This is a sign that you're receiving the maximum amount of coverage available. Plans that list only certain items which are covered may not be the comprehensive plan you need; they may be supplemental or partial plans instead that leave blind spots in your plan that could cost you time and money. What parts, labor, and other expenses are covered? - Never assume that a vehicle service agreement (extended warranty) includes both parts and labor costs. You could end up paying for the time the mechanics spend repairing your vehicle. Considering that hourly rates can be between $70 and $100 or more per hour, these costs can quickly add up. Additionally, think about what other expenses you may incur if your vehicle is in the shop for a while. Car rental fees are another expense that can be costly unless provided by your warranty. Who are you really working with? When you purchase an extended vehicle warranty plan, you're entering a contract between you and an administrator. Just like any contract, you need to feel comfortable that the administrator is going to be responsive and timely in the handling of your issue. 6
7 Is the company financially strong? Will they be able to pay your claim when you make it? (A variety of resources can be helpful in this respect, including the Better Business Bureau and Dun & Bradstreet.) Consider things like: - What's their track record when it comes to customer service? - Are they properly licensed and registered to do business in your state? (You can call a Warranty Direct representative to discuss state specifics.) - What companies do they do business with? (Warranty Direct s parent company does business with major corporations like American Express, Bank Of America, US Bank, and 21 st Century Insurance, to name a few.) How will the company handle claims? Let's be honest, a vehicle service contract that can only be used in certain places, or that makes you pay for the repair and then file for reimbursement doesn't really offer peace of mind; it makes things more difficult. Make sure you know what you'll need to do in order to reap the benefits of your extended auto warranty plan. Nationwide coverage, the ability to choose the repair facility of your choice, and direct payment to repair facilities are all options that make Warranty Direct's plans truly beneficial. What are you actually getting? Like so many other things in life, vehicle service agreements (extended vehicle warranties) fall into that category of "you get what you pay for" - so shop smart. Don't let sticker price be your deciding factor. Look at what you actually get for the money and factor in the possible out-of-pocket costs that are likely to come along if you re thinking about a cheaper plan. 7
8 5. How Repairs and Payments Are Handled Some extended warranty companies require you to pay for repairs out of pocket, and then submit documentation to get reimbursed. But Warranty Direct makes it as easy on you as possible. You can choose any dealer, national chain, or local mechanic to perform the repairs on your vehicle with your Warranty Direct vehicle service plan (extended warranty contract). This is one of the best aspects of being a Warranty Direct customer. Simply bring the vehicle to the repair facility of your choice, and present your Warranty Direct membership information to the service professional so that they can contact our claims department. We'll pay for any covered repairs via our company credit card over the phone. All you pay is your deductible (if any). There is no paperwork, no limit on the number of claims you can file, and no need to pay first and then work to be reimbursed. Nearly every repair facilities accept our extended auto warranty plans. Warranty Direct makes a habit of paying approved claims as soon as possible and bases pricing on industry standard manuals. In fact, many repair facilities are eager to do business with us once they learn that they do not have to bill us. Still, if you are concerned that your repair facility will not accept one of our plans, we'd be happy to contact the facility and establish a relationship before you purchase a plan. Should you find that a repair facility will not accept our vehicle service agreement for any reason, we will send you a prompt reimbursement for the covered amount. With Warranty Direct, each repair visit, no matter how many items need to be fixed, will only require payment of one deductible. Many Warranty Direct vehicle service contracts (extended warranty agreements) offer a zero deductible option where you'll never reach into your pocket for a covered repair. Be sure to ask a Warranty Direct representative for details ( ), or visit our website at WarrantyDirect.com. 8
9 6. Payment Options, Transfers and Cancellations Because our top priority is always to make sure you and your vehicle are covered, we gladly offer a variety of payment plans so that you don't have to wait for coverage. Our EZPay plan allows you to put down a small down payment of the plan's total cost and then have your credit card, debit card or checking account charged for as many as 18 equal monthly installments for the balance depending on the length of coverage you purchase. Or, if you prefer, we can customize a plan for fewer monthly payments. No matter which payment option you choose, we will pay any covered claim regardless of whether your vehicle service agreement is paid in full. If you ever sell your vehicle, your Warranty Direct service contract is transferrable to the new owner. This can be a big incentive for a buyer to select your vehicle over another. Although we're certain you'll love your Warranty Direct extended car warranty plan, we are more than happy to offer a money-back guarantee if you are not satisfied with your vehicle service contract (extended auto warranty). Most plans can be canceled within 30 days for a full refund. After that time period, a pro-rated refund will be issued for the unused portion of your contract. 9
10 7. Why Choose Warranty Direct? We're In It for the Long Haul There's a saying we have here at Warranty Direct: We'll be there for our customers from the first mile to the last mile of their vehicle service contracts (extended auto warranties) and every mile in between. It's not always easy, but it's always the right thing to do, which is why we do it. We're Different by Choice Unlike a lot of extended vehicle warranty companies that just want to offer the lowest rates or the bare minimum level of coverage, Warranty Direct has made it a point to be one of the best vehicle service contract providers in the industry. That drive for excellence can be seen in everything we do, and in everything we offer our customers: Respectful and Responsive Service: whether you're a first-time buyer or a long-time customer, we will always listen and respond to your issues and concerns One Point of Contact: you'll only deal with one company when it comes to your Warranty Direct plan - and that's Warranty Direct. We manage all our own vehicle repair claims and perform all of our own customer service so that you can deal with the same expert team every time. [how are you defining one company?] Nationwide Coverage: even with varying requirements and regulations, Warranty Direct is licensed and registered, to do business in all 50 states and Canada. Unmatched Experience: over 30 years in business isn't just impressive in the auto warranty industry; it's impressive in any industry. More Benefits: free roadside assistance, car rental reimbursement, trip interruption protection, unlimited number of claims they're all standard extras on any Warranty Direct plan. (Continued on next page) 10
11 Strong Ratings and Track Record We are extremely proud of our A+ rating by the Better Business Bureau, based on a 30- year track record of serving more than 2.5 million customers and paying nearly $1 billion in car repair claims. We are also licensed and registered to do business in all 50 states, which is a direct reflection of our ethical business practices and high standards of service. As well, we are verified and/or recognized by the following companies: Dun & Bradstreet The Better Business Bureau WebAssured.com Forbes Magazine's Top 200 Companies List Contact Warranty Direct Today To learn more about the different vehicle service contract options from Warranty Direct, simply call us toll-free at or visit our website at 11
VEHICLE SERVICE CONTRACT
VEHICLE SERVICE CONTRACT Hyundai Protection Plan VSC protects your car from the unexpected. With exceptional benefits exclusively for our customers - only from Hyundai 1,500+ covered components Nationwide
More informationPresentation Slides. Lesson Nine. Cars and Loans 04/09
Presentation Slides $ Lesson Nine Cars and Loans 04/09 costs of owning and operating a motor vehicle ownership (fixed) costs: Depreciation (based on purchase price) Interest on loan (if buying on credit)
More informationExtended Service Plans/Extended Warranties
Extended Service Plans/Extended Warranties Consumers Guidelines to ESPs As a consumer, you realize that unexpected automotive repairs can have a significant impact on your budget. With high fuel costs,
More informationVehicle Service Contract. Extend your coverage. Eliminate your worries.
Vehicle Service Contract Extend your coverage. Eliminate your worries. Covered components Not only does Hyundai Protection Plan VSC extend the coverage for the service of major components, our Platinum
More informationBuying a Used Car. Before You Look For a Used Car, Consider
Buying a Used Car This guide explains your protections under the FTC's Used Car Rule and offers some shopping suggestions, even if you are not buying from a used car dealer. Before you begin looking at
More informationNAIC Consumer Shopping Tool for Auto Insurance
NAIC Consumer Shopping Tool for Auto Insurance Need Auto Insurance? Here is What You Need to Know. Whether you are buying auto insurance for the first time, or shopping to be sure you are getting the best
More informationACVL Web Site LEASING VS. BUYING QUIZ
ACVL Web Site LEASING VS. BUYING QUIZ There are many factors to consider when deciding whether to lease or finance your next vehicle. To help consumers weigh their circumstances and understand whether
More informationUSED CAR BUYING GUIDE
USED CAR BUYING GUIDE The information contained in this Guide is intended to be generic and is not intended to be a comprehensive guide to the laws and requirements of any particular state, country or
More informationFinancing. Honda Care
Financing B y going with a Honda Certifıed Used Car, you ll have access to fınancing through Honda Financial Services. Also, depending on your situation, it might be to your advantage to lease your Certifıed
More informationHow Chubb Is Different. Why It s Worth It.
How Chubb Is Different. Why It s Worth It. Mr. and Mrs. Green The Car: Jaguar XJR The Incident: A weekend visit to old friends in a distant city is disrupted at 5:30 a.m. Sunday morning. A bakery truck,
More informationlesson nine cars and loans overheads
lesson nine cars and loans overheads the cost of owning and operating a motor vehicle ownership (fixed) costs: Depreciation (based on purchase price) Interest on loan (if buying on credit) Insurance Registration
More informationEVERY COVERAGE. NORTH AMERICAN TRUCK COVERAGES FOR ISX AND ISM ENGINES
EVERY COVERAGE. TM NORTH AMERICAN TRUCK COVERAGES FOR ISX AND ISM ENGINES North American Heavy-Duty Truck Coverages. Cummins has designed every component in our EPA 07 engines including the exhaust. The
More informationBuying a Car. A Car Means Convenience. Which Car is Right for You?
Buying a Car A Car Means Convenience It s Wednesday morning and you are sleeping soundly, dreaming about that Hawaiian vacation you d like to take. Suddenly you hear, instead of ocean waves, a loud buzz.
More informationCONSUMER S GUIDE TO AUTO INSURANCE
CONSUMER S GUIDE TO AUTO INSURANCE The Colorado Division of Insurance prepares this booklet to assist you in shopping for auto insurance and to help you understand your Personal Auto Policy. When shopping
More informationFor more help on saving and paying off debt, please visit www.norwaysavingsbank.com/resources_center/calculators/
For more help on saving and paying off debt, please visit www.norwaysavingsbank.com/resources_center/calculators/ Practical Savings Tips for Every Day Saving Try take-out once a month instead of dining
More informationVolkswagen 2.0L TDI Customer Goodwill Package
Volkswagen 2.0L TDI Customer Goodwill Package 24-Hour Roadside Assistance Owner s Guide English 1-800-411-9988 Audi TDI Customer Goodwill Package 24-Hour Roadside Assistance Owner s Guide English Audi
More informationAuto Buyer s Workshop. Keynote Presenters Ron Goodwine Member Auto (Account Executive) Bob Brisson Auto Connection Plus (President)
Auto Buyer s Workshop Keynote Presenters Ron Goodwine Member Auto (Account Executive) Bob Brisson Auto Connection Plus (President) Agenda Ron Goodwine Extended Warranty Understanding the value Bob Brisson
More informationEVERY COVERAGE. NORTH AMERICAN TRUCK COVERAGES FOR ISL, ISC AND ISB ENGINES
EVERY COVERAGE. TM NORTH AMERICAN TRUCK COVERAGES FOR ISL, ISC AND ISB ENGINES Every Confidence. Cummins has designed every component in our EPA 07 engines, including the exhaust. The entire system is
More informationAuto Insurance from The Hartford. Get the coverage and value you need for the long road ahead.
Auto Insurance from The Hartford Get the coverage and value you need for the long road ahead. Better coverage, better value for you and your family. When you buy auto insurance, you re not just protecting
More informationAuto Repair. A Consumer s Guide to
Auto Repair A Consumer s Guide to Auto Repair California Department of Consumer Affairs Bureau of Automotive Repair www.bar.ca.gov (800) 952-5210 2 Bureau of Automotive Repair TABLE OF CONTENTS Introduction...
More informationNew Cars Buying from a Licensed Dealer New Vehicle Warranty Florida s New Car Lemon Law
Buying a car is one of the most important and most expensive decisions most of us have to make. There is certainly no shortage of vehicles available, but buyers must know what to look for, what to ask
More informationAre YOU paying too much for auto insurance?
PRSRT STD U.S. POSTAGE PAID Permit No. XX Anytown, PA Priority Access Code Enclosed for: PA Driver: John Q. Sample Are YOU paying too much for auto insurance? It s time to take a closer look. Fusura 800
More informationLEMON LAW SPECIALISTS. com 1.888.395.3666
LEMON LAW SPECIALISTS. com 1.888.395.3666 Thank you for visiting Lemon Law Specialists the web site of the California Law Offices of Delsack & Associates, the original California lemon law web site. Ours
More informationPurchasing a Car. Latino Community Credit Union & Latino Community Development Center
Purchasing a Car Latino Community Credit Union & Latino Community Development Center PURCHASING A CAR Latino Community Credit Union & Latino Community Development Center www.latinoccu.org Copyright 2013
More informationRACV Warranty. Three choices of cover. Motor Vehicle Warranty Product Brochure
RACV Warranty Three choices of cover Motor Vehicle Warranty Product Brochure About the RACV Warranty As one of the most respected brands in the motoring industry with over 100 years experience in delivering
More informationA Shopping Tool for. Automobile Insurance. Mississippi Insurance Department
Automobile Insurance Mississippi Insurance Department 1 2014 National Association of Insurance Commissioners All rights reserved. National Association of Insurance Commissioners Insurance Products & Services
More informationLife After Bankruptcy. By Jason Amerine
Life After Bankruptcy By Jason Amerine Bankruptcy: A Fresh Start for You Every day I have clients ask me about what life might be like after bankruptcy, and perhaps you re feeling that way, too. Sure,
More informationAuto Buying. Tips for you to get the most out of your auto dollars
Auto Buying Tips for you to get the most out of your auto dollars Table of Contents 3 Factors to Consider When Buying a Vehicle 3 Car Buying Tips 4 Car Buyers Worst Mistakes 5 Buy the Safest Car You Can
More informationAudi Certified pre-owned Program comparison
of America. All Rights Reserved. Copyright 2014 Table of contents Acura 3 BMW 5 Cadillac 7 Infiniti 9 Jaguar 11 Land Rover 13 Lexus 15 Lincoln 17 Mercedes-Benz 19 Mini 21 Porsche 23 Volvo 25 2 of America.
More informationINTRODUCTION TO MEMBER SERVICES
INTRODUCTION TO MEMBER SERVICES WELCOME TO A A A The largest, most recognized and most trusted emergency road service organization in the nation. We look forward to providing you with outstanding service
More informationA Shopping Tool for. Automobile Insurance. Mississippi Insurance Department
A Shopping Tool for Automobile Insurance Mississippi Insurance Department 1 A Shopping Tool for 2014 National Association of Insurance Commissioners All rights reserved. National Association of Insurance
More informationBUYING CAR INSURANCE IN SOUTH CAROLINA
BUYING CAR INSURANCE IN SOUTH CAROLINA Do you think your Auto Policy Protects You and Your Family For the Road Ahead? The Truth May Surprise You. Goose Creek 103 Laurel Ave. Goose Creek, SC 29445 Phone:
More informationQuick Preview PROPERTY DAMAGE
Quick Preview PROPERTY DAMAGE You are you first priority, take care of you first Understand rental insurance, towing and storage costs Figure out what kind of insurance coverage you have Choose a reputable
More informationWARRANTY. Overview. Important Information You Should Know
Overview It s important that Sales Consultants explain all applicable warranties to his/her customers. A thorough explanation of all applicable warranty coverage at the time of sale helps provide the owner
More informationCommon Scams to Avoid when buying your next vehicle
Common Scams to Avoid when buying your next vehicle 1 THE INTERNET LOW BALL Many customers today do their homework over the internet and request a price quote from several dealerships. More often than
More informationCar Costs ASSESSMENT ONE: Assessment #1
Assessment #1 ASSESSMENT ONE: Knowledge ο T / F You must register your car with the Department of Motor Vehicles (DMV) once every two years. ο T / F Being able to afford a car involves more than being
More information8 Questions to Ask Before Buying a Used Car
8 Questions to Ask Before Buying a Used Car When it comes to important and expensive purchases, buying a car is usually second only to buying a house. And unlike houses, cars are a depreciating asset.
More information1-80 0-411-6688 24-Hour Roadside Assistance. Owner s Guide
1-80 0-411-6688 24-Hour Roadside Assistance Owner s Guide English/Français Model year 2010 Dear Volkswagen Owner, Now that you re the proud new owner of a Volkswagen vehicle, you receive complimentary
More informationYou may be able to save hundreds of dollars a year on homeowners insurance by shopping around. You can also save money with these tips.
Hazard Insurance You may be able to save hundreds of dollars a year on homeowners insurance by shopping around. You can also save money with these tips. Consider a higher deductible. Increasing your deductible
More informationtools to build your business
tools to build your business CERTIFIED AUTO REPAIR FROM THE PARTS PROFESSIONALS The Certified Auto Repair program has been specifically designed to help shop owners grow and market their business in today
More informationSo Reliable, They re. Certifiable
So Reliable, They re Certifiable The Inspection Your Honda dealership considers only well-maintained, late-model Honda vehicles for certification Honda Certified Used Cars must meet stringent requirements
More information100% Effective Natural Hormone Treatment Menopause, Andropause And Other Hormone Imbalances Impair Healthy Healing In People Over The Age Of 30!
This Free E Book is brought to you by Natural Aging.com. 100% Effective Natural Hormone Treatment Menopause, Andropause And Other Hormone Imbalances Impair Healthy Healing In People Over The Age Of 30!
More informationVehicle purchasing guide
Vehicle purchasing guide Buy from a licensed Wisconsin dealer and you are protected by Wisconsin's motor vehicle trade practice law. Dealers follow the law when they advertise, display, and sell vehicles.
More informationLa Canada Protection Plan
. La Canada Protection Plan This proposal was personally prepared for Mr. & Mrs. Sample by Rick Dinger Powered by: CVI 3156 Foothill Blvd. Suite A La Crescenta, CA 91214 (818) 248-4500 Thank you for the
More informationVSCs and The Buyers That Love Them
A consumer insight study sponsored by Assurant Solutions. VSCs and The Buyers That A Guide to VSC Plan Fans... and how to win them over. Vehicle protection programs deliver more than just revenue-producing
More informationYou just realized that with work, school, sports and other obligations you REALLY need a set of wheels.
Introduction You just realized that with work, school, sports and other obligations you REALLY need a set of wheels. But what is it going to cost? And Your budget only allows you 400 a month! And you have
More informationAUTO HISTORY. Resources: Check the vehicle history report using the car s VIN number.
This guide was created to help you with your first motor vehicle transaction and to make you aware of the many facets of the car buying process. Hopefully, with the help of this guide, your car purchasing
More informationKeeping Things Nice & Simple...
Keeping Things Nice & Simple... At Motordepot, it s all about you... We try to do things a little bit differently here at Motordepot. Every member of our team understands the importance of good old fashioned
More informationOn Your Home. by John Adams, for Fox5 GOOD DAY ATLANTA
SPECIAL REPORT: Ways To Save On Your Home Insurance- by John Adams, for Fox5 GOOD DAY ATLANTA 1 12 Ways to Lower Your Homeowners Insurance Costs edited by John Adams The following originally appeared in
More informationSTANDARDS OF THE MICHIGAN LEMON LAW
STANDARDS OF THE MICHIGAN LEMON LAW The following is a brief explanation of most relevant provisions of the lemon law. The complete text of the lemon law can be found at M.C.L. 257.1401 et seq. VEHICLES
More informationYOUR BENEFITS GUIDE. Welcome to your. CIBC Classic Visa. Card
YOUR BENEFITS GUIDE Welcome to your CIBC Classic Visa Card Welcome to your CIBC Classic Visa Card. And a completely different credit card experience. Your new CIBC Classic Visa Card comes with our promise
More informationWhy do you need my Social Security Number and other personal information when I enroll for an I.C.E. card?
ABOUT THE ICE MasterCard Prepaid CARD What is the I.C.E MasterCard Prepaid CARD? Is the I.C.E. Card like a checking or savings account? Are funds loaded on to the I.C.E. Card FDIC insured? Are there age
More informationABOUT YOUR VEHICLE DAMAGE CLAIM
ABOUT YOUR VEHICLE DAMAGE CLAIM Section I Introduction When you are injured in an automobile accident and the other driver is at fault, your personal injury claim is handled separate from your vehicle
More informationHandling Your Own Property Damage Claim After An Auto Accident in Texas
Handling Your Own Property Damage Claim After An Auto Accident in Texas Table of Contents Handling Your Own Property Damage Claim after an Auto Accident in Texas... 1 Introduction... 3 Chapter 1... 4 Important
More informationWho better to finance your car than the people who built it?
>> Financing your smart Who better to finance your car than the people who built it? SF67/01/14 smart Mercedes-Benz Financial s UK Limited. A Daimler Company. Tongwell, Milton Keynes MK15 8BA, United Kingdom.
More informationAutomobile Insurance Guide
Automobile Insurance Guide Page 1 Simply stated, automobile insurance is a contract between you and your insurance company that protects you against financial loss if you are in an accident. Auto policies
More informationFrequently Ask Questions
Frequently Ask Questions This document has been prepared to answer questions that you are likely to have on the new SalarySacrifice4Cars scheme ( the car scheme ). It is set out in 3 sections The car scheme
More informationDrive Away Happy: Car Buying Decisions
Drive Away Happy: Car Buying Decisions Buy new, buy used, or lease? These are just a few of the many decisions you ll need to make before happily driving away with a vehicle. While shopping for a car 888.456.2227
More informationinsurance policy I m in the driver s seat!
My first car insurance policy I m in the driver s seat! Car insurance is mandatory! Mandatory Car insurance primarily covers damage you could cause to others. It s called civil liability. Do you own a
More informationCongratulations You ve just taken the first step to getting the best buy for your insurance dollar!
Stephen A. Bazzano Author, Consultant, Licensed Insurance Agent, Contractor Insurance Specialist Congratulations You ve just taken the first step to getting the best buy for your insurance dollar! Dear
More informationNovated Lease Explained
Novated Lease Explained At nlc, we provide you with the easiest, lowest-cost way to own and run the car of your choice. We take care of all your automotive needs, including car purchase, finance, insurance,
More informationGET THE CAR YOU LOVE THE SMART AND EASY WAY
GET THE CAR YOU LOVE THE SMART AND EASY WAY What is Novated Leasing? NOVATED LEASING MADE EASY A Novated Lease is a three way agreement between you, Custom Fleet and your employer. It can potentially save
More informationCIBC TELUS Rewards Visa * Card
YOUR BENEFITS GUIDE Welcome to your CIBC TELUS Rewards Visa * Card YOUR BENEFITS GUIDE BENEFITS AT A GLANCE Thank You for Choosing the CIBC TELUS Rewards Visa Card 1 How to Earn 2 How to Redeem 2 Go Paperless
More informationAll About Auto Insurance
All About Auto Insurance The legal responsibility involved when you are in a car accident is extraordinary. Basically, if you hurt someone else while driving, there s no limit to the amount he or she can
More informationIntroduction. What is the Lemon Law?
Introduction This guidebook is an introduction to the California Lemon Law. It is not intended to convey legal advice. The goal is to allow you to protect and educate yourself. You should still consult
More informationDrive Your Dream Auto Buying FAQs
Featuring Upfront GUARANTEED Car Pricing! Drive Your Dream Auto Buying FAQs What is the Auto Buying Program? The Auto Buying Program is an online resource for Buyer s Edge Inc. members that provide low,
More informationBuy or Lease a Car. published by AAA Fair Credit Foundation
Buy or Lease a Car published by AAA Fair Credit Foundation Buy or Lease a Car 1. What is Leasing?................................................................. 2 2. The Pros and Cons of Leasing and
More informationSTANDARDS OF THE CALIFORNIA LEMON LAW Song-Beverly Consumer Warranty Act and Tanner Consumer Protection Act
STANDARDS OF THE CALIFORNIA LEMON LAW Song-Beverly Consumer Warranty Act and Tanner Consumer Protection Act The following is a brief explanation of most relevant provisions of the lemon law, included within
More informationCANADIAN RELOCATION, MOVING YOUR CAR
CANADIAN RELOCATION, MOVING YOUR CAR MOVING YOUR CAR Moving a car to your new home can be complicated and tiring especially if you're moving a long distance. Moving more than one car multiplies the challenge
More informationFlat Rate Per Claim -vs- Percentage Billing Fees. A Devil's Advocate View
Flat Rate Per Claim -vs- Percentage Billing Fees A Devil's Advocate View Assuming a full service solution, there are basically two methods billing services use to charge for their services, either a percentage
More informationLEMON LAWS (Vehicle Warranty Lawsuits) General Information
LEMON LAWS (Vehicle Warranty Lawsuits) General Information One of the nice things about buying a new car is the peace of mind that comes from knowing if something breaks; the dealer has to fix it under
More informationTRAVEL-TIMESHARES-VACATIONS
TRAVEL-TIMESHARES-VACATIONS Need a vacation? Before you start relaxing to the sound of the waves or skiing the slopes, do some smart travel shopping first not only to end up with a great trip and a good
More informationYour Roadmap to Maximize Your Settlement!!!
Your Roadmap to Maximize Your Settlement!!! Helpful tips to get the most money for your injuries. The Advocates Driggs, Bills and Day PC (801) 355 5550 www.utahadvocates.com 1 Table of Contents: Introduction:
More informationBMW Premium Selection. Used Vehicles.
BMW Premium Selection Used Vehicles 1800 813 299 bmw.com.au BMW Australia Limited, ABN 11 004 675 129, 04/2007, Part No. 8888 1900 754, BMW9059 BMW Premium Selection. Used Vehicles. BMW Premium Selection
More informationMONEY MANAGEMENT WORKBOOK
MICHIGAN ENERGY ASSISTANCE PROGRAM MONEY MANAGEMENT WORKBOOK Life is a challenge. As the saying goes, just when you're about to make ends meet, someone moves the ends. While it can be a struggle to pay
More informationAll about. auto. insurance
All about auto insurance Legal Deposit Bibliothèque et Archives nationales du Québec, 2011 Legal Deposit Library and Archives Canada, 2011 Table of contents Buying auto insurance 4 Who is insured? 4 Who
More informationEmployee Starter Pack. www.sgfleet.com
Employee Starter Pack www.sgfleet.com Table of Contents Welcome to sgfleet Novated Leasing 3 What is a Novated Lease? 3 The benefits of a Novated Lease 4 Choice and flexibility 4 Ability to achieve real
More informationDeferral Limits for Plans 401(k) $17,000 $17,500 SIMPLE $11,500 $11,500 403(b) $17,000 $17,500 457 $17,000 $17,500
Kathleen E. Sweeney, CPA PO Box 1259, 44 Plymouth Street PO Box 1187 Center Harbor, NH 03226 N. Conway, NH 03860 Phone: (603) 253-4011 603-356-7036 Fax: (603) 253-4051 603-733-5250 E-Mail: ksweeney@metrocast.net
More informationPresentation Slides. Lesson Eight. Cars and Loans 04/09
Presentation Slides $ Lesson Eight Cars and Loans 04/09 the costs of owning and operating a car Ownership (fixed) costs: Purchase price Sales tax Registration fee, title, and license Financing costs Insurance
More informationUse. Make Thousands with No Investment. uhaul.com/dealer. Clark s Lawn & Garden Equipment Oregon City, Oregon
Use ourbrand to BuildYour Clark s Lawn & Garden Equipment Oregon City, Oregon Make Thousands with No Investment uhaul.com/dealer Make Your Business More Profitable Becoming a U-Haul dealer may be the single
More informationBuy, Stock & Trade With Confidence Introducing
Buy, Stock & Trade With Confidence Introducing Trade Value Protection Market Value Protection Buyback Guarantee NxGen360 is an Exclusive Distribution Partner for R.V.I. America 2014 R.V.I. America Insurance
More informationThe Game of Life Purchasing Auto Insurance Updated: 2016-02-10
The Game of Life Purchasing Auto Insurance Updated: 2016-02-10 One of the most common experiences young adults encounter can be one of the most mysterious: purchasing auto insurance. It might not seem
More information15 th Street Automotive Fleet Services
15 th Street Automotive Fleet Services Dear Fleet Manager, At 15 th Street Automotive, we realize that your fleet is an important part of your business. When your vehicles are down, they are not producing
More informationHow to Buy Classic Car Insurance
How to Buy Classic Car Insurance By: Michael Modica If you are fortunate enough to own a classic car or any collectible automobile then you want to ensure that your luck does not run out because of having
More informationAll About Autos. New Cars, Used Cars, and Repairs
New Cars, Used Cars, and Repairs Table of Contents Introduction...2 New Cars Lemon Law...4 The Importance of Car Titles...6 Used Cars As Is: No Warranty...7 Warranty...7 Online Car Auctions...9 Odometer
More informationInsurance Bulletin. Stretching Your Insurance Dollar. Rethinking What s Required: Business Automobile Coverages
Insurance Bulletin bulletin #10 Stretching Your Insurance Dollar CNA and the NUCA Safety and Risk Management Committee are proud to provide you with this information. We trust that you will find it useful
More informationTeacher's Guide. Lesson Nine. Cars and Loans 04/09
Teacher's Guide $ Lesson Nine Cars and Loans 04/09 cars and loans websites Being prepared is the best way to keep car-buying choices and decisions on the right track. Students need to examine all aspects
More informationPersonal. Buy a Car, Not a Con
Personal Buy a Car, Not a Con 210.229.1128 MyGenFCU.org 1 The Salesman Smile For many, shopping for a vehicle ranks up there as one of the more stressful situations in life. The intimidation factor is
More informationTake the Wheel. Take the Wheel: Get the Best Car Deal
Take the Wheel: Get the Best Car Deal Seminar objectives Determine how much car you can afford Use a car inspection and test-drive checklist Negotiate the best car price Decipher financing options and
More informationApproved Auto Repair Background & Overview
Approved Auto Repair Background & Overview The Approved Auto Repair (AAR) program was created to address one of the most frequent consumer complaints in America unsatisfactory automobile repairs. The AAR
More informationLOUISIANA DEPARTMENT OF INSURANCE. Consumer s Guide to. Auto. Auto Insurance. James J. Donelon, Commissioner of Insurance
LOUISIANA DEPARTMENT OF INSURANCE Consumer s Guide to Auto Auto Insurance Insurance James J. Donelon, Commissioner of Insurance A message from Commissioner of Insurance Jim Donelon Some of us spend up
More informationRental Vehicle Insurance
Rental Vehicle Insurance Save on rentals in Manitoba, Canada and the United States Get the most protection Control your risks When you rent or borrow a vehicle, think about the insurance protection you
More informationFord Motor Company Pennsylvania
Ford Motor Company Pennsylvania Ford Motor Company has agreed to arbitrate certain warranty claims through BBB AUTO LINE. Ford s participation in BBB AUTO LINE covers Ford, Lincoln, and Mercury vehicles.
More information10 Secrets to Developing Client Loyalty. with Ken Hardison, PILMMA and LawMarketing.com
10 Secrets to Developing Client Loyalty with Ken Hardison, PILMMA and LawMarketing.com 10 Secrets to Developing Client Loyalty Page 2 Ken Hardison, President & Founder, PILMMA Ken Hardison practiced injury
More informationA Consumer s Guide to Personal Auto Insurance
Maine Bureau of Insurance 34 State House Station Augusta, ME 04333-0034 A Consumer s Guide to Personal Auto Insurance A Publication of the Maine Bureau of Insurance June 2015 Paul R. LePage Governor Eric
More informationCHOICES: Insurance Rate Comparison Search Systems. Auto Insurance. Instructions/User Guide
CHOICES: Insurance Rate Comparison Search Systems Auto Insurance Instructions/User Guide April 2014 Table of Contents Step 1 Select an Example... 3 Step 2 Select by County or Company... 4 By County...
More informationFour Ways to Attract High Value Consumers
A consumer insight study sponsored by Assurant Solutions. Who s Buying Vehicle Service Contracts? and Keep Them Coming Back. The automobile buying experience has changed dramatically, and consumers are
More informationCAR BUYER CHECK list VEHICLE: (Make) (Model) (Year)
CAR BUYER CHECK list VEHICLE: (Make) (Model) (Year) (Odometer) (VIN) (Stock Number) DEALER: The Dealer above declares the following information to be true and correct as to the Vehicle described above:
More informationBuying a used car? How to get the best deal
Buying a used car? How to get the best deal Buying a used car can be tricky but you can help yourself We explain the difference between buying from a dealer, a private seller or from an auction. Our checklist
More informationCheap Car Insurance: How to Slash Your Auto Insurance Costs and Get Cheap Quotes
Cheap Car Insurance: How to Slash Your Auto Insurance Costs and Get Cheap Quotes Copyright by BizMove Publishing. All rights reserved. Table of Contents 1. How to Get Cheap Car Insurance Quotes 2. What
More information