Q : What is Car Loans?

A : Car Loans are designed for those who wish to finance a car for personal use. It is the way you can borrow money from future. A car loan can give you immediate use of the car of your choice in exchange for regular payments over an agreed period of time.

Q : How about Features of Car Loans?

A : Before you make a decision on car loan which you choose, make sure that your financier offers them. Generally the features of car loan are detailed as follow.

- Payments can be arranged to suit your requirements.

- Cost like Registration cost, Road cost, Loan insurance & Comprehensive vehicle insurance may be able to be financed on the loan contract.

- For repayment, you can choose monthly or fornightly to pay during normally terms range from 12 to 60 months.

- A deposit may not be required, moreover if you do, maybe you will receive some benefits like lower repayment or shorter term.

Q : What is benefit for you?

1.If you also use your car for business purposes you may be able to claim part of the interest and depreciation charges as expenses against your taxable income.
2.Payments may be able to be made by direct debit from your nominated bank account.
3.You may build up equity in the asset.
4.Fixed payments for the term of the agreement allow for more accurate budgeting and protect you against interest rate fluctuations.

Thursday, August 14, 2008

ELISE 2008


The 2008 Lotus Elise continues the tradition of refined motoring with a sublime sports car that handles and performs like a race car. The Elise has numerous improvements installed as standard equipment including a new Lotus Tire Pressure Monitoring System that provides instant warning if there is a puncture or if pressures fall below safe levels.



Specifications
· Lotus Designed Lightweight Structure of Epoxy Bonded Aluminum Extrusions
· Integral Steel Seatbelt Support Structure and Lightweight Steel Rear Sub-Frame

EXTERIOR
· RTM Composite Fiberglass Body
· Black Soft-Top with Stowage Bag
· LED Taillights with Integral Reflectors
· Daytime Running Lights
· Aerodynamic Rear Diffuser with Central Twin Exhaust
· Solid Paint - Ardent Red or British Racing Green

SUSPENSION
· Fully Independent Suspension with Unequal Length Wishbones
· Bilstein Mono-Tube Gas Damper, Eibach Coaxial Coil Spring
· Front Anti-Sway Bar
· Cast Alloy 8-Spoke Wheels in Silver Finish
· Front Wheels: 5.5J x 16 - 175/50R16
· Rear Wheels: 7.5J x 17 - 225/45R17
· Yokohama Advan Neova AD07 LTS Sports Tires
· 4-Wheel Ventilated/Cross-Drilled Disc Brakes· Lotus/AP Racing & Brembo Calipers with Anti-Lock Braking System (ABS)

INTERIOR

· Black Cloth Seats with ProBax™ Anatomical Padding
· Air Conditioning, Starter Button, Tinted Glass and Carpet Foot Mats
· Airbags - Driver and Passenger (Passenger Airbag Cannot Be Deactivated)
· Factory Anti-Theft Alarm System with Engine Immobilizer and Remote Locking
· Aluminum Trim - Gear Knob and Handbrake Sleeve· Leather-Trimmed Momo Steering Wheel
· Alpine 4-Speaker Stereo with In-Dash CD Player
· Intermittent Windshield Wiper

ENGINE
· 189 Horsepower 1.8 Liter, Mid-Mounted 4-Cylinder with DOHC and VVTL-I (Variable Valve Timing and Lift Intelligence)
· Multi-Point Fuel Injection System with Electronic Ignition and Throttle Control
· Capacity: 1796 cm3
· Bore/Stroke 82.0 mm/85.0 mm
· Maximum Power: 189 hp @7800 rpm
· Maximum Torque: 133 lb ft @6800 rpm
· Compression Ratio: 11.5:1
· Fuel Tank Capacity: 10.6 Gallons

TRANSMISSION
· 6-Speed Close Ratio

PERFORMANCE
· 0-60 mph 4.9 sec
· 0-100 mph 12.9 sec
· Top Speed 150 mph
· Fuel Consumption 21 City / 27 Highway
· Curb Weight 1984 lbs

Friday, August 8, 2008

Car Insurance – How to Compare Rates From Multiple Companies Instantly

The reason we compare car insurance quotes from multiple car insurance companies is to make sure we’re getting the best rates possible. Of course nobody wants to pay more money than they have to, but in the other hand we also want to make sure that our car insurance company is going to respond quickly and fairly in case of an accident.
What is unknown to many is that there is not one single car insurance company that is cheaper than others. One particular car insurance company can be the cheapest for one person but the most expensive for another. Each car insurance company has a certain category of drivers they want to insure. If you fit their category they will offer you a cheap rate, if you don’t, they will offer you an expensive rate. That is their way of filtering the people they want and do not want to insure. That is the reason we need to compare insurance rates from multiple car insurance companies, to find out which company will offer us the cheapest rate. The key is to find the company that offers the cheapest rate for you, but of course, it is important to compare rates from quality companies only.
There are many quality car insurance companies out there; however, some of those quality companies also have a high price to go along with them. How do we find a quality company for a cheap price? That, my friend, is the key question.The traditional method of shopping for car insurance is to call around which we all know can be a long process. Another drawback of shopping for car insurance by phone is the probability of getting caught with the old “bait and hook” trick. That is when someone gives you a low quote by phone and hikes it up on you when you go into their office to purchase the car insurance policy.
In today’s world, luckily, we have the internet. The internet makes life a lot easier for all of us. Using the internet, we can shop for many types of things we may need which include shopping for car insurance.
Shopping for car insurance online is the best way to compare rates from multiple car insurance companies. Online, you can also read about a company’s history and make sure they’re a quality company. Most companies offer instant online car insurance quotes thorough their websites which makes obtaining car insurance quotes a lot easier than the traditional method of shopping by phone. Better yet, there are some websites that offer online car insurance quotes from multiple companies with one simple process. You can even purchase your car insurance online if you like the price. One such website is OnlineAutoInsurance.com. There, you can obtain quotes from quality companies such as Progressive, AIG, Infinity, GMAC, Bristol West, and several more. All with one simple process!