Ten Good Reasons why you need Car Insurance

It might seem a clever idea at the time but driving without car insurance is one of the stupidest ideas a person can have.

If you own a car don’t move it off the drive without taking out car insurance. You might be lucky and have years of accident free motoring but then again you might not!

Car insurance isn’t meant to be something you make regular use of. Like most insurances the hope is that you will never need to make a claim but if something goes wrong and you are involved in an accident you will certainly live to regret trying to cut corners and save some money through not having car insurance.

If you haven’t go car insurance and are wondering whether or not to get a car insurance quote just take a look at ten good reasons why you should never drive without car insurance again:

1. If you have an accident that is your fault and you don’t have car insurance you could leave a vulnerable victim without the care they need to recover from what is probably the worst ordeal of their life.
2. If you are hit by an uninsured driver and you don’t have car insurance yourself your medical care won’t be covered by any form of personal liability insurance that would have been part of your auto insurance package. Have you had a look at the cost of health care recently!
3. If you are driving without car insurance you are driving illegally.
4. If you don’t have car insurance it can leave you concentrating on who’s following you or who you are passing rather than on the road. Big accident risk.
5. Your inability to fund the one off cost of replacing your car if it was stolen or written off might leave you without transport for a considerable period of time.
6. Driving without car insurance and getting caught could loose you your license.
7. If you are considered high risk it could significantly increase your car insurance premiums. Being caught driving without insurance is likely to push you into the high risk category with most car insurance providers.
8. An unexplained break in your car insurance could impact your no claims discount leaving you with higher car insurance premiums in the future.
9. If you go for a period of time without car insurance you will probably have to lie when you next apply for car insurance. Proven falsifications could result in your car insurance provider revoking insurance cover and not settling a claim.
10. Driving without car insurance could leave you personally liable for significant third party claims in the event of an accident!

If you are still tempted to drive without car insurance just try and imagine how you would feel if you hit a child. Then imagine how much worse you would feel if you then left that child without the money to fund their health care or any form of financial compensation for the devastating impact an accident might have on their life.

Don’t ever drive without car insurance!

For more on car insurance visit 24-7-insurance.com

Unsecured Car Loans: Fulfill Your Dream of Buying your Dream Car

You can procure an unsecured car loan if you are a homeowner, tenant, self employed, etc. If you are from an adverse credit history then also you can go for an unsecured car loan. The bad credit history will not come as a hurdle for you in going for an unsecured car loan.

The loan amount which you get depends upon many factors like duration of the loans, past credit record, repaying capacity, your home, etc. The lenders judge your whole financial background and then offer you a loan according to your repaying ability.

There are a lot of benefits associated with an unsecured car loan. The first and the foremost is that you will avail a quick short term loan. With an unsecured car loan the risk to the lenders is high which results in short repayment term. Secondly, less documentation work is involved, because of the absence of the collateral. Thirdly no valuation of property is being done and loan is approved quickly. Overall you will be getting a hassle free proceeding.

There are some disadvantages as well with an unsecured car loan. It usually carries a higher rate of interest. The amount which you would like to borrow will be typically less. The rates and terms of an unsecured loan basically depend upon the personal circumstances. Generally the advertised rate by the lenders may not be the rate that they may offer you.

The lenders in the U.K. cater to the need of people in varied situation. The car loan is being designed such that it can cater to your specific need. So, don’t delay in buying your dream car and start looking for a right lender.

The author is a business writer specializing in finance and credit products and has written authoritative articles on the finance industry. He has done his masters in Business Administration and is currently assisting Loans-Park as a finance specialist. For more information about online car loans please visit us at http://www.loans-park.co.uk.

Charity Car Donations

Term “Charity Car Donations” is self explanatory about the aim of the donation. When you want to donate large amount on charity donations ‘charity car donation’ gives you one of the best options. Vehicles received by charity groups and non-profiting organizations are used for providing assistance to need and helpless people. You can sponsor a new car or donate your used car for this purpose.

Why Charity Car donation?

Charity car donation provides you an opportunity to serve the needy people. You may think that this opportunity is your moral duty towards mankind. You should not think that charity car donation means only cars will be accepted as donation. Some organizations accept other vehicles like trucks, vans, trailers and boat as donations. These donations are basically used for the purpose they are meant for like vans are converted into ambulance etc. Some vehicles are given to professional auctioneer for selling it and proceeds received from such auction are submitted for the cause of charity.

Charity car donation is easy and hassle free procedure. Very less administrative formalities are involved in this donation scheme. You can get rid of administrative formalities which you otherwise would have to do if you sell your vehicle in the market. Your vehicle may turn into junk if it is not running for years. That means you have to face the problem of disposing of the vehicle. This problem is solved by donating your vehicle for the charity. You also get financial benefit like tax deduction on your income equal to proceeds of the sold donated vehicle. Charity group which accept the vehicle also gets additional benefits from sell of your vehicle which otherwise would have yield lesser price in the market. The most important benefit you get from donating your vehicle to charity is satisfaction of helping needy people.

How to donate car to charity

If you are determined to donate your vehicle for charity car donation you can select an organization or charity group for the purpose. Your can select an organization or group through internet or through local media. Generally, the groups involved in this type of activity are genuine but there may be some companies who practice fraud. To overcome this difficulty you have to examine the reliability and reputation of the company. Once you select the group or organization of your choice you have to intimate them accordingly. To avoid malpractices in charity car donation procedures, government has laid down certain rules. You must be aware of these rules before making donations.

It may be concluded that Charity car donations is a good opportunity to serve the mankind.

Want To Donate A Car?

The internet has been such a blessing in so many ways to those that have taken the plunge and accepted the fact that it is the future and have jumped on board and started using it to their advantage such as people wanting to donate cars online. There are so many ways that it brings all of the necessary services that you normally would have to either take a personal day to take care of during the work day and/or drive across town or the country to accomplish without on the internet capabilities.

So what are some of the advantage of online car donating? Well, for one thing there is the convenience of donating in your own home and ability to communicate easily with the charity that only comes with continuous connectivity that you get with the World Wide Web. But isn’t it too risky to make such a large donation over the internet, especially with all of the fraudulent charity activity in the world today? This is a real concern that many people have, and one that I want to address as well as offer many offsetting bonuses of choosing to “donate cars on the internet.”

The question then is, “is the risk of making the donation on the internet less than the benefits that you gain?” My answer is a quick and resounding YES! Let me first dispel the myth that the internet lacks the safety and security necessary to exchange private financial information that you need to purchase something on the internet as serious as a vehicle. You must understand now that the technology is presently online to insure that you can do business including the necessary exchange of sensitive information over the internet. So there is really no difference in security whether you choose to donate car off the lot or on the internet.

What then are the advantages of choosing to donate car via the internet that supersede the risk of not being able to personally check the car and see it with your own two eyes? Well there is the amazingly powerful advantage of searching for the right charity which saves you time and therefore money and lots of it. There are also systems set up to on the internet reduce fraud and cheating that are not necessarily available when buying cars, especially from private donators. There are licenses that certify the credibility of the charity. There are also systems set up that hold charities accountable for misinformation, and it is now becoming more and more popular to offer receipts which official tax credit numbers.

Donate Your Used Car

Planning to sell your old car? Think twice before doing so, since you will have to go through the procedure of contacting an agent or will have to put a classified in your local newspaper to sell your car. This would cause you constant phone calls and disturbance. Besides this it will take you a lot of time to sell your old car and find a suitable customer at the best price and get the paper work done.

With all these hassles, do you want to go through to sell your car? Consider donating your car to charity. There are many car donation programs run by different car charity organizations. You can donate your car to any of these charities or any of the charity that you support. The main charities which run a successful and trustable car donation program are American Kidney Foundation, Kars4Kids, Cure Childhood Cancer and Activated Ministries apart from the others.

You can donate your car to these charities. All you will need is your old car and a clean title. When you donate your car you will get a tax cut. This tax cut is usually equal to the price of your used car. To find out the cost of your car you can get it appraised by a certified car appraisal expert or refer to the Kelly Blue Book (KBB). Now with this information with you, all you have to do is give a call to your favorite car charity and they will have it picked up from your door step. Besides donating your car you can also donate your boat and motorcycles.

This car that you donate will help support the needy and give them a better life and also get you a tax cut. More importantly countless blessings. So go ahead, donate your used car today.

Anurag writes for Car Donation Infoline – You guide to charitable car donation and car donation program. Donate your car and help a needy.

Giving Your Car to Charity - The New Tax Rules

The IRS has changed the regulations on donating vehicles to charities. If you donated a car last year, you need to read the following to understand the new rules.

Giving Your Car to Charity – The New Tax Rules

Millions of people donate cars, boats, RVs, motorcycles and many other forms of transportation to charities each year. While doing a good thing is one motivation, reaping a sizeable tax deduction is also a motivating factor. Unfortunately, the IRS has concluded that more than a few people were deduction very optimistic values for their cars. Instead of auditing everyone, the IRS simply changed the deduction rules for vehicle contributions to charity.

If you donated a vehicle of any sort to a qualified charity, but claimed less than $500 as a deduction, you can stop reading. The rule changes don’t apply to such situations. If you are claiming a deduction in excess of this amount, read on.

The new IRS regulations are pretty simple to understand. If you donated a vehicle to a qualified charitable organization, the amount you can deduct is the exact dollar value the charity receives when it resells the vehicle. Put another way, you can no longer claim the blue book value of the car. The IRS wants to know what it was really worth, not what it would be worth if you hypothetically repainted it, got new tires, rebuilt the engine and so on.

Charitable organizations are more than aware of the new regulations and they will more or less take care of everything for you. To donate a car, you simply arrange for delivery to the charity. The charity will then resell the car at some point in time. The organization will then will send you correspondence detailing the gross proceeds from the sale of the vehicle.

This correspondence should, but is not required to, come to you as Form 1098-C. Yes, another form. Simply take the deduction for the gross proceeds on Schedule A and attach the Form 1098-C to your tax return. If the charity sends you a written letter, attach that to your tax return.

While the above may sound overly burdensome, it really isn’t.

Richard A. Chapo is with BusinessTaxRecovery.com - providing information on tax and taxes. Visit us to read more tax articles and our new tax credits page.

Looking to Donate a Car? Car Donation Programs versus Doing It Yourself

Have you thought about doing something that is meaningful and full of good will? Many Americans wish to, but many never end up getting around to doing so. Do not be one of those individuals. You do not have to be rich to donate. Car donations are a great way to help out a good cause, especially if you do not have the financial recourses needed to make a large cash donation. In fact, you will find that you don’t even need to have a new car. Many donated cars are in less than perfect shape, but they are still appreciated.

If you have made the decision to donate your car, you have a number of different options. Those options often involve using the services of a car donation program or finding a charity, which will accept your donated car, all on your own. Choosing one of those methods isn’t as easy as it may sound. Perhaps, the best way to decide which donate car method is the best for you is to compare the two. The one that has the most advantages or benefits should be the car donation method that best fits your needs.

When it comes to finding a car donation company or a local charity, you will find that a car donation company is often easier to find. You can find the contact information for multiple programs online. This can easily be done with an internet search. For the best results, you will want to perform a search using the words donate car. Within a few seconds and with the click of a mouse, you should be able to find a local car donation program.

You can also familiarize yourself with local charities, especially ones that may want a donated car; however, it isn’t as easy as finding a car donation program. With car donation programs, you know exactly what they want. Unfortunately, not all local charities want or need a donated car. This means that after spending hours researching and contacting local charities, you could still be stuck with your car.

As previously mentioned, you do not have to have a perfect car to donate. Car donations are accepted in just about any condition, in most cases. Car donation programs are more willing to accept a non-working vehicle than one of your local charities. This is because most car donation programs partner with mechanics and other car experts. These professional could turn to your non-working car into one that works great. However, to do this time and money is needed. Unfortunately, you will find that most of your local charities do not have either. Therefore, if you have a car that is in less than perfect working condition, you may want to obtain the services of a donation program.

While it may seem like a car donation program has most benefits, you may still prefer to do your own leg work. If this is the case, go ahead. All that matters is that you made the decision to donate. Car donations are wanted by all different types of charitable organizations. It doesn’t necessarily matter how you get your vehicle to them, as long as you do.

Mariah Cruz is a writer for Car Angel . com where you will see abundant amounts of information on things such as a Car donation and other related information.