Dragonfly Exterior Parts

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Consumers have enough on their minds these days without worrying about car insurance. Most of us purchase coverage, hoping we will never need it. We drive our vehicles knowing that in the event of a collision, we will receive compensation for damages and injuries. Given this, it is understandable that few people invest their limited time to look closely at their policies, or consider their true coverage needs.

The problem is, a lot of consumers are underinsured, paying for unnecessary coverage, or headed for a costly headache. Few people are aware an issue even exists. With this in mind, we'll address four key issues below that will help you bridge coverage gaps, reduce your rates, and avoid problems down the road.

#1 - You May Be Paying For Excess Coverage

Most people renew their policies, year after year, without considering whether their coverage needs have changed. As a result, many are paying for insurance coverages they can do without. Two examples are collision and comprehensive auto insurance.

Both coverages are valuable, though optional. Collision insurance pays for damages related to accidents. Comprehensive coverage pays for damages and loss due to events unrelated to accidents (e.g. theft, flood, etc.). Here, the problem is cost; both are expensive. This means as your vehicle ages, and its value declines, it becomes more difficult to make a compelling case to carry both coverages. Eliminate them from your policy to reduce your rates.

#2 - What Type Of Replacement Parts Are Used?

This is an element of car insurance that very few people consider when they shop for a new policy. Suppose your vehicle is hit by another driver, creating a need for repairs - both externally and under the hood. The repair shop has two options: they can either install used replacement parts, or Original Equipment Manufacturer (OEM) parts. The mechanic will leave the decision up to you. But your instructions will be based on what your insurer is willing to pay.

Most insurance companies will opt for used parts. After all, they're cheaper. If you only need to replace a bumper, grill, or side mirror, this is unlikely to pose a problem. But what about alternators, catalytic converters, and radiators? If the replacements are in poor condition, your vehicle will break down sooner than it would otherwise. Some components, such as your radiator, play a key role in maintaining the health of major assemblies, like your engine. If your radiator fails, your engine can fail.

When you compare quotes from multiple auto insurance companies, ask how they address replacement parts.

#3 - The Need For Gap Insurance

Gap insurance is used to bridge a coverage gap. It makes up the difference between the outstanding balance on your auto loan, and the amount your insurer will pay in the event your vehicle is totaled. Here's an example:

Suppose you purchase a new Cadillac Escalade for $60,000. You finance the entire amount at 6 percent for a 60-month loan, resulting in monthly payments of $1,270. After three months of enjoying the vehicle, you're involved in an accident that totals it. So, you approach your insurance company to seek compensation.

Your insurer may only pay the market value of the Escalade. Keep in mind that new vehicles lose a substantial portion of their value during their first year off the lot. Consequently, suppose your insurer agrees to mail you a check for $52,000. It won't cover the entire amount owed on your auto loan, especially since the majority of your first few payments have been allocated toward interest.

Solving this problem is the purpose of gap insurance. Unfortunately, most consumers lack this type of coverage without realizing their exposure.

#4 - Your Personal Belongings Are Not Covered

If you keep your laptop, jewelry, clothes, or other belongings in your vehicle, realize they will not be covered if your vehicle is stolen. Car insurance policies do not include coverage for such items. If your car is stolen with your valuables inside, you'll be responsible for their replacement.

The solution is to buy property insurance coverage. Most policies are inexpensive, and will cover any of your personal items left in your vehicle.

Buying auto insurance is rarely enjoyable since it is a product you hope never to need. That said, be sure to consider the issues described above when you compare quotes from insurers. Doing so might save you money now, as well as down the road.

Are you after the best value on your auto insurance premiums? Compare online insurance quotes at Kanetix to determine who's got the best rates!

Mazda Premacy Now Available in Japan

Ford’s Japanese subsidiary Mazda Motor Corporation, producer of OEM Mazda parts, has recently announced the enhancements they have made on the sporty and stylish Mazda Premacy range in Japan. The restyled models for Mazda’s performance compact minivan are now available nationwide at all Mazda, Mazda Anfini, and Mazda Autozam dealers. Overseas the Premacy is also known as the Mazda5 and the target sales volume per month is 1,800 units.

The enhancements done on the Premacy include the further improved “Communicative and Dynamic” product concept which is an electronically controlled five speed automatic transmission mounted in an all-front-wheel-drive (FWD) grades and the adoption of sequential valve timing (S-VT) has been made available to other model grades. These changes have resulted in more power as well as improved fuel efficiency plus top class emissions. Mazda has also upgraded the suspension to provide a more stable and more comfortable ride.

There are also new body parts such as the bold front end which provides the Premacy range with a sporty and stylish look. Inside the Premacy is a redesigned instrument panel as well as a modified layout that further enhances its refined image. There are also seven new body colors that are offered for the Premacy including the Golden Sand Metallic which brought the total available vivid tints to eleven.

The manufacturers suggested retail price for the Premacy range between 1,768,000 to 2,355,000 yen including consumption tax.

Major Features of the Enhanced Mazda Premacy

Exterior

• Front design has been modified to produce a smooth, clean line that sorts of link the hood to the bumper

• Newly designed headlights highlights the Premacy’s refined expression

• LED indicator lights embedded in the door mirrors as well as the LED rear combination lights emphasize the Premacy’s quality premium model grades

Interior

• The instrument panel design and layout have been changed

• Black dials have visible white illumination for a more dynamic design

• Interior colors and seat fabric have been changed to suit different model grades resulting to a more stylish and personalized expression.

Dynamics

• The implementation of the sequential valve timing (S-VT) has been broadened to enhance performance of the highly reputed 2,.0 liter and 2.3 liter MZR engines

• The front-wheel-drive models were equipped with an electronically controlled five-speed automatic transmission

• The additional modifications have increase torque as well as linear acceleration that makes everyday driving more satisfying.

Other Features include:

• Dynamic Stability Control (DSC)

• HDD navigation system that is compatible with Mazda G-Book Alpha telematics technology

• An improved parking assist system with an additional CCD camera in the passenger side door mirror

• Bluetooth® Hands-Free system

• AUX terminal for external devices

In terms of environmental performance, the fuel economy of the Premacy is improved with the adoption of the S-VT together with the electronically controlled five speed automatic transmission. All of the FWD models with the 2.0 liter MZR engine meet Japan’s 2010 fuel economy standards plus 10 percent which makes them eligible for Japan’s Green Tax exemptions. The FWD and four-wheel-drive (4WD) model grades also qualify as SU-LEV or Super-Ultra-Low Emission Vehicles with exhaust emissions that are 75 percent lower than the Japanese government’s 2005 exhaust emissions regulations.

About the Author

Evander Klum is a Business Administration graduate who hails from Alabama. He enjoys extreme sports and he is also a car racing fanatic. At present, he works as a marketing manager at an advertising agency in Cleveland.

Where can I get the OEM number of car mirror?

Can somebody give a favour?? it's in emergency.
To Jacey,

Thanks for your answer, however, I can't get to the link and I did try the google before I ask, but just can't get any further precise info, so make the inquiry here.
Thanks everyone's advice. if it's easier to search the OEM# by model, then here's the side view mirror's and rear view mirror'sOEM # of model I'm looking for:
VW
1)VW TRANSPORTER T4(90-) LH EL
2)VW TRANSPORTER T4(90-) RH EL
3)VW TRANSPORTER T4(90-) LH MANUAL
4)VW TRANSPORTER T4(90-) RH MANUAL
5)VW TRANSPORTER / CARAVELLE LH ELECTRIC, HEATED
6)VW TRANSPORTER / CARAVELLE RH ELECTRIC, HEATED

Ford
1)FORD FIESTA 83 LH MANUAL CHROMED
2)FORD FIESTA 83 RH MANUAL CHROMED
3)FORD FIESTA 83 LH MANUAL BLACK
4)FORD FIESTA 83 RH MANUAL BLACK

Opel
1)NEW VECTRA 95' LH ELECTRIC, HEATED
2)NEW VECTRA 95' RH ELECTRIC, HEATED

Thanks for your help.

You are better off just telling people the make/model/ year of your car, like 2008 ford fiesta , if color coded? if so what color, electric or manual, helps out a lot.
If it is a vauxhall part i know a spares dealer in Rainham Essex who sells new and used parts.

Gentex Reports All-Time Record Net Sales and Net Income
ZEELAND, MI--(Marketwire - 07/22/10) - Gentex Corporation (NASDAQ: GNTX - News ), the Zeeland, Michigan-based manufacturer of automatic-dimming rearview mirrors and commercial fire protection products, today reported all-time record results for the second quarter and six months ended June 30, 2010. For the second quarter of 2010, the Company's record net sales increased by 72 percent to $201.6 ...

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