There’s a lot of things out in life that can be very confusing at first.  From buying a house, to signing up for an insurance policy.  What the heck does all of this jargon mean?  I wanted to put it in simple terms, so that you know exactly what each term means, and hopefully you will feel like a pro, when you purchase your insurance policy.

You will see the following on your quotes…

• Liability: This is required by most states out there.  If you’re are found to be at fault during the accident, this will cover for any bodily injury, as well as property damage you cause to anyone’s property.  This would also include potential lawsuits as well.  You’ll want to make sure you know what your coverage limits are, because you don’t want to be too cheap.
• Collision: The auto industry generally refers to this one as Collision / Comprehensive.  Collision is when the driver is, or even isn’t at fault.  It will pay for any damage done to the vehicle.  You will most likely set  a deductible, and the deductible will be what you pay out of pocket.  For example, if you have a $1,000 deductible,  and the damages were $2,000, you would only have to pay $1,000.
• Comprehensive: This is on the other side of the collision.  This will cover things such as theft, vandalism, arson, or something such as hitting a deer.  To make it easier, just picture something that you really can’t control, such as someone hitting you in the parking lot.
• Uninsured / Underinsured: This will pay for you if you were hit by a hit, and run driver, or someone that may not carry car insurance.  As for the underinsured, this will pay the other motorist what their liability doesn’t cover.
• Medical: This will cover anything that’s related to Medical.
• Personal Injury: Covers things that are outside of the hospital such as lost wages at work, funeral costs, and more.  It’s only required in a handful of states at the moment.

You will find more terms here and there on your policy, but the main majority are listed above.  If you ever get confused, ask your agent, and he/she should be more than happy to help you with your policy.  You also don’t want to be too cheap with some policies, as you will find that if you do get in accident, it can cost you a lot more money than expected.

Your DMV road test is coming up, and if you’re like me, you were probably nervous.  That’s okay, because it’s 100% normal.  Passing your DMV road test shouldn’t be brain surgery, but again, you should take it quite seriously, because if you don’t pass, you can’t drive.

How can I pass my DMV road test?

Start reading the guides: The Internet is filled with great information.  Make sure that you know the rules, and also make sure that you know what the instructor is going to look out for.  There are things such as a three way stop that you’ll have to be aware of when driving.  Try services such as GetReadytoPass to get all of the insider’s tips.

Practice makes perfect: You can’t just pick up a needle, and start sewing a perfect quilt, can you?  Of course you can’t!  Instead of thinking that you can learn it within minutes, you’re going to have to get up, get out there, and practice your butt off.  As the old saying goes, “practice is going to make perfect.”

Parking is a big part: If you don’t know how to park, you can kiss your test money goodbye.  What you’re going to want to do is practice all of the parking situations that you can.  You will want to practice parallel parking, backing up, as well as pulling in.  If you can master these, you will find that you can impress the instructor right off the bat.  Since parking is near the beginning, you’ll want to make a good impression.

Just follow the rules: Driving really isn’t that hard.  As long as your follow the rules, you’re going to be golden.  Make sure your hands are at  10-2, ALWAYS stop before the stop sign, check your blind spots, and always drive the speed limit.  If you want to play it safe, drive a few MPHs under the limit.  It never hurts to play it safe.

Be calm: You don’t want to stress yourself out over this.  You’ll want to show up, be calm, and have confidence.  Go in there with the attitude that you’re going to pass.  If you can come in with that attitude, I can assure you that you’ll see a passing grade in the end.

Even if you fail, don’t worry! You can always take your test next time.  Learn from your mistakes, take the test again, until you pass.

When you’re looking for a good deal with cars, repossessed cars are the way to go.  Not only are these auction houses looking to get these cars off their books, they are looking for any type of payment.  Since many people don’t know how to find them, the competition is generally very low.  I’ve bought a few in my past, and let me tell you how I found them.  By taking the tips below, you should have a better understanding on how it’s done.

Browse a database online - There are so many great databases online that can do the dirty work for you.  I highly recommend a service like Gov-Auctions.    What they will do is look up the local government, as well as police auctions in your area.  You can look at pictures, the starting bids, as well as where the location is going to be.   Instead of searching for hours, this can all be done at your fingertips.

Contact your local police - Your local police department does more than just fight crime, they have to sell items as well.  If the seize items in situations such as a drug raid, they turn to the public to get rid of it.  Call up your police department, or head to their website to see if you can get more information on where they auction off their cars.

Try PropertyRoom.com - I love PropertyRoom, because it’s a website designed to sell items that the police seized.  Here, you can find a great automobile section.  The cars have pictures, as well as a great description.  You can grab some cars on here for less than $3,000 that are in fantastic shape.

Repossessed cars really aren’t that hard to find.  Try some of the tips above, and see what kind of cars that you can find.  It’s a lot easier than you think!

Are you looking to purchase a used car online?  If you are, I can’t blame you!  Not only are you going to save money, you’re also going to be able to find some steals online at a bargain price.  So, where do you go when you want to purchase an used automobile on the Internet?  Here are 4 tools you can use in order to find the used car of your choice.

Craigslist - Craigslist is the absolute best place to purchase automobiles, but if you want to purchase them on this site, you’re going to have to act quick.  Simply go to the site, go to your location, and head to the autos section.  You can either browse through the listings, or if you like, you can do a search for the car you want to buy.  This is simple, yet effective way to find a used car.

eBay - When you think of eBay, you probably never ever think about purchasing a car online, but eBay is amazing when it comes to a used car.  Depending on how far you want to drive, will depend on what kind of deal you can get.  If you do decide to purchase a car on eBay, make sure that you know what you’re getting yourself into.  Read a recent post on how you can find a used car for under $5,000 on eBay.

AutoTrader - Auto Trader is not only big online, but also big in the print as well.  A lot of people still use this magazine just based on the readership alone.  It never hurts to browse the website online, or if you wish, you can pick up a magazine at your local grocery store.  If you do a search online, and you want a used car, make sure that you select that option.

Your Local Paper – Just about every paper out there today, both big, and small have a website.  Do a quick Google search on your local town’s newspaper.  What you’ll want to do is search the local classifieds, and see if there’s anything available.  It never hurts to go this route.

These really are the 4 best ways to find a used car online.  If you’re not having any luck doing it this way, I really don’t know what to tell you.  Search, search, and search some more, until you find the right car, at the right price.

Instead of going down to the professionals, and asking to get your car windows tinted, you may find that it’s a lot easier to do it at home, rather than at the shop, where you’re going to pay a few hundred dollars.  If you’re looking to tint your windows at home, let me give you some basic steps on how you can accomplish it.

For starters, you’re going to need a window tinting kit.  These can be found at your local auto parts store, or even online.  It’s up to you to decide on how much you “tint” you want.  Remember that you don’t want to make your windows too dark, because it may be illegal in your state.

Here’s what you’re going to need in order to get the project started:

• Dishwashing soap
• Spray bottle
• Blow dryer
• A small knife, and razor blade
• Sponge

Step 1: You’ll want to grab your tinting film, and you’ll want to shape it to the form of your windows.  Hold it up to the window, and you’ll want to trace the layout.  If you’re lucky, you can purchase a kit ahead of time specifically made for your vehicle.

Step 2: Clean up your windows.  This is where you’re going to want to mix dish washing soap, and water in a spray bottle.  Spray your windows down, and clean them down.  Make sure that there’s no dirt, or any residue!

Step 3: Apply the tint, but you’re going to want to make sure that you leave a tiny gap at the top, so that it won’t cause trouble when you go to shut your windows.

Step 4: Firmly rub the tint along the window.  Make sure that there are no air bubbles, and ensure that it’s a smooth surface.

Step 5: Take your blow dryer, and start blowing the tint until it seems firmly placed against the glass.  Again, you will want to make sure that there are no bubbles, or sign of moisture in between the glass, and tint.

Step 6: Continue to to this on every other window.  If you’re going to tint your rear window, make sure that you don’t tint over the defroster lines, this will cause damage!  Instead, you will want to tint in between each, and every one.

If you want to watch a video online on how it’s done by a professional, I recommend watching this video created by eHow.