Automotive Repair Insurance

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If you aren’t familiar with the gloomy inner workings of your car, choosing the right mechanic can be downright intimidating. It’s difficult to know where to go, who to trust and whether you’re being taken for a ride. In the past the most powerful tool at your disposal was word of mouth, and the advice of family and friends. That’s still true today, but that source of advice has expanded from your immediate family and friends to the whole of the Internet.

Almost as apt as having taken auto shop in high school.

RepairPal is a satisfactory starting point if you’re unfamiliar with many aspects of automotive repair. It allows you to plug in the make and model of your car and the needed repair, and then outputs a reasonable imprint range you could ask to pay, breaking it down into labor and parts. It seems to be fairly suitable judging by a few test cases, so if a mechanic quotes you something that is too far out of the ballpark you will want to inquire as to why. It’s possible that the mechanic is including parts in his estimate that RepairPal hasn’t considered, for example replacing a worn serpentine belt along with a bad alternator, since the belt must be removed in order to replace the alternator. The site also allows users to post reviews of specific shops, which can help you narrow down the field.

Finding word of mouth on the Internet: everyone has an idea and they’re more than happy to share.

Sites like Yelp and Citysearch also allow members to post reviews on local businesses, including mechanics. It’s always worth remembering that someone who has had a bad experience is more likely to complain than someone who had a excellent experience is to praise, so if a shop has one bad review don’t necessarily count them out. Pay attention to what people are saying on these sites, such as what hourly or ‘flat rate’ the shop charges, whether they exercise reputable parts suppliers, what types of cars they work on and what type of work they do. Some shops only work on Japanese imports, some shops specialize on only transmissions, and others can steal care of any pickle you might have.

Another good source of information is Mapquest, Google Maps and Yahoo! Maps. Using these services you can search an area around your home or work for mechanics, and many of them will have reviews posted similar to sites like Yelp and Citysearch. This is useful since it gives you a visual idea of how convenient a shop might be.

When all else fails, check with consumer advocacy groups.

A good way to weed out trouble shops is to see if they have any complaints through your local Better Business Bureau. Many shops won’t actually be members of the BBB, but the BBB will tranquil have records of if there were any disputes and how they were handled. The BBB now has a very convenient online search to look up this exact information. If you search for a specific business you will be able to see a slate of information on that business, including a letter grade that has been assigned to them, whether there have been any complaints in the last 36 months, and whether those complaints were resolved.

An excellent source of consumer information is the Consumer Checkbook, which publishes in seven areas around the country: Boston, Chicago, Delaware Valley, Puget Sound, San Francisco/Oakland/San Jose, Twin Cities, and Washington, DC. Unlike the other services mentioned so far the Consumer Checkbook requires a subscription fee, which covers both a print version and access to all the data on their website. They have actually accumulated data from proper customers of area mechanics, along with many other products and services, and rated them based on different factors, including consumer satisfaction and cost, to give you an idea of what area shops are charging per hour, or flat rate.

What’s the deal with “flat rate” anyway?

Flat rate is the method by which most mechanics calculate the labor for which you are charged. They have a flat rate manual, or more likely a computer program, which contains data on how much time it is supposed to recall to perform any given repair. In practice a unimaginative mechanic can take many times longer than flat rate, while a fast mechanic who has done the operation many times might be able to ‘beat’ flat rate. However, the flat rate multiplied by the shop’s hourly rate is what you will be charged in either case. There are two main sources of information for flat rate estimation: Nichols Chiltons, and Alldata, and the two sometimes can differ substantially. Very few shops own both systems, so one possible explanation of a difference in flat rate estimates is that one shop is using one while another shop is using the other.

Using information gleaned from these and other online tools and sources, as well as the all-powerful recommendations of friends and family, you should be able to confidently choose your mechanic even if you don’t know the difference between a spark plug and a wheel lug.

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Everyone has skills that another person can make use of, you can trade your skills for something that you really want but unbiased don’t have the cash to catch. Many people barter one skill for another skill, it has been going on for many years and many people are very successful in bartering what they need. This is a ample way to derive services and products that you need.

There are many things that you can barter, what is your skill? Can you cook delicious meals, many families would love to have a home cooked meal with their busy schedules and they may have something that you would love. It doesn’t have to be extravagant trade but a trade that benefits the traders. There are several websites that will offer bartering services that you can match up your skills with something that you want or need. But you can also do these trades locally.

Talking to friends and expressing the things that you would like to get and what you have to barter will get you started. Your friends may be able to barter with you or will know someone that will be able to fulfill your requests.

How to value your skill: You don’t want to sell yourself short with trades if you are renting your home and there is something that needs fixed maybe you can barter fixing it yourself with your landlord for a discount on your rent. The landlord will probably know what he would have to pay a company to fix the problem, and will be willing to take a discount on the rent for that amount. This would save you money on the rent while using your skills to repair the problem. There are many ways that you can barter every month. There are many skills that you have that others will be contented to use, and have skills and things that you could use.

Professional may be willing to exchange their services for yours. If you are willing to spruce an office for a professional you may be able to discounts on their services. There are many ways you can barter for things.

Before paying for something you may want to see if that person would be willing to barter something that you need. We have traded automotive work for many things, since my husband is good with cars, we use that skill to earn things that we wanted and needed. One trade gave us a week at a friend’s beach house in the middle of vacation season.

Bartering usually doesn’t involve cash you basically can make any deal that is gracious to both parties and come out with things that are sometimes better than cash.

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