How to Get Affordable Car Insurance in Ohio

People who live in the state of Ohio may be in for a surprise when they open their mailbox. In this state the Bureau of Motor Vehicles sends out 280,000 requests a year to see proof of insurance. Once someone receives one of these notices in the mail they only have three weeks to prove they have insurance. Although it’s obviously mandatory to have car insurance, some people forego it because of the price. There are ways to find affordable car insurance and some are not things most people are aware of including:

o Using one insurance company for all your policies including car, home, health and life. Insurance companies give discounts to individuals who purchase more than one type of insurance from them. Ask your health insurance or life insurance agent about a quote for car insurance.

o Buying a car that costs less to insure. Most people never consider the insurance costs that are associated with a particular type of car before they buy it. Call several insurance agents and ask for quotes on a car you are considering buying. You may be surprised to learn exactly how expensive it is, and if you find this out before you finalize the sale, you can save yourself a lot of money.

o Mention that you have a car alarm or consider getting one. A car alarm is a great idea for many reasons including the reduction you are likely to experience in insurance costs. Any effort that you make to keep your car safer is viewed in a good light by the insurance company. You’ll have to be prepared to show proof that the car alarm system is indeed installed.

The most important factor in determining your car insurance rates is likely your driving record. If you have been in more than one accident in the last few years or you have a pile of speeding tickets with your name on them, you are obviously going to have a more difficult time getting an affordable rate. If this is the case, make a resolution to start driving safely now and you’ll see your rates steadily drop.

Things to Look for When Choosing a Motorcycle Repair School

A passion for motorcycles is a basic requirement for being a successful motorcycle mechanic. In fact, most motorcycle mechanics started their career simply as a hobby. They were motorcycle lovers who were toying with their bikes to make them run more smoothly until they realized that they could earn money doing something they enjoy. Some of them work in repair shops equipped with their own personal experience in motorcycle repair while others further their knowledge and skills by enrolling in a motorcycle repair school. Being a motorcycle mechanic is meticulous work and it can be tough knowing that a rider’s life depends very much on one’s skills.

When equipment breaks down, a mechanic is responsible for diagnosing the source, nature, and extent of the problem. A highly skilled mechanic is able to diagnose mechanical, electrical, and fuel problems and to troubleshoot quickly. To be able to quickly and accurately diagnose problems is a mark of an expert mechanic and this is also an exhibition of their great problem solving ability, as well as their comprehensive knowledge on how the equipment operates.

A mechanic’s job also includes minor tuning or replacement of a single part of the motorcycle. They may also be asked to perform complete engine overhaul, although this job could take many hours as they need to take down the engine and replace defective valves, bearings pistons, and other interior parts. Those who are highly skilled utilize specialized machineries and the most advanced computerized equipment to adjust and tune motorcycles, especially those that are used for racing.

To qualify for a trainee mechanic position, some employers prefer applicants with a high school diploma or the equivalent, but there are also some who accept those with less education as long as they exhibit satisfactory reading, writing, and math abilities. However, due to the growing complexity of motorcycles, those with a diploma or a certificate from a formal training program in motorcycle repair have more employment opportunities. This is why enrolling in a trade school or institute to be a certified motorcycle mechanic could be a wise decision.

Would-be motorcycle technicians can either opt for a technician diploma or an associate degree in applied science or mechanics. By attending a trade school, a student will receive the needed job training and basic credentials to be a motorcycle mechanic. After completing this program, he will be certified as a trained technician in this field.

Meanwhile, the associate degree is designed for mechanics to earn the educational qualifications that match the needs of their profession. The program can be completed within one or two years. Courses taught in an associate degree include math, basic management, human relations, infrastructure and resources, and hands-on experiences such as disassembling, assembling and overhauling of motorcycle equipment. Online courses are available for those who can’t manage to attend an on-campus program.

Because there are many schools that offer motorcycle repair classes, it is important that prospective students choose a school that can develop their full potential and ensure their success in the field. There are many qualities that mark a good training facility.

First and foremost, a good motorcycle repair school should provide their students plenty of hands-on training. When students use their own hands repairing motorcycles, they learn a lot easier. Next to hands-on training, students should also ensure that the motorcycle school offers the most advanced repair classes. It is essential that students get trained on fixing modern motorcycle engines.

Essential core classes should include motorcycle suspension systems, four stroke engines, two stroke engines, brake systems, motorcycle electrical systems, fundamentals of electricity, and motorcycle fuel systems. The school should also have highly qualified instructors. The best motorcycle repair instructors are those with many years of experience in the field. Students should ensure that they attend a motorcycle school with excellent instructors.

Finally, a motorcycle repair school should provide help to their graduates to get a job in the field. This will ensure students that they will not only be trained properly, but that they will also have a good start in their career.

Warping Automobile Disk Brake Rotors Are Preventable

In the aircraft and aerospace industry, the standards required for various components, parts, and specifications are considerably higher. Everything built for the aircraft and aerospace industry is light and strong. It is the “AND” part of that sentence that makes the parts expensive, not the “light” part. Automobile manufacturers today who build high-performance and sophisticated vehicles understand the “light” part, but not necessarily the “strong” part. But what they do understand is how much force can be applied to these parts before they succumb to failure.

Today’s brake rotors (or disk brake system) are built very light with advances in technology such as slotting, cross-drilling, cryo-treating and many other advances to allow the brakes to breathe better and last longer. However despite all this technology that goes into the rotors, they are still not strong enough to withstand a mechanic’s error. How often have you had a car pulsate when applying the brakes? The reason this happens is because the lug nuts on your wheels were not torqued down to specifications set out by the manufacturer. Every mechanic shop you walk into, you can always hear the distinctive sound of the air wrench being used to loosen and tighten parts and lug nuts. These air tools are capable of putting out an immense amount of torque, but that is where the problem starts. The torque setting on these air wrenches are preset to a single setting (usually the strongest), never changed, but used to tighten down everything on your car. BAD!

Today’s modern vehicles are built almost like airplanes and have very acute specifications that must be followed. The most commonly made mistake by mechanics and car owners are to over-tighten the lug nuts on the wheels of their cars. Some even go as far as jumping on the tire wrench to ensure that the lug nuts are “tight” and that the wheels will not “fall off” while driving. However, over tightening your lugs will lead to premature failure of your brake rotors as seen by warping or deformations in the rotor. It may also lead to wheel bolts “snapping” when over-tightening the wheels stretches and weakens the bolt.

It is therefore important to ensure that your lug nuts are tightened to the appropriate specifications and to do that, there are several things you can do. For most vehicles, the lug nuts need to be tightened down to 70-100 ft-lbs using a good quality torque wrench. However, you do not need a torque wrench to tighten your lug nuts correctly.

The approach I have always taken is to tighten the nuts as tightly as can be done with your fingers first. Then taking a tire wrench, tighten the nut without apply much effort until you feel some resistance. Then simply (without jumping on the tire wrench), put your body weight on the wrench until it stops turning. You do not need to jerk your body to ensure that there is more room to tighten. In general, if you follow this practice, you will put about 80-90 ft-lbs of torque onto the lug. Do this consistently for all your wheels to ensure that your brake rotors have maximum life. However, for best results, I still recommend acquiring a quality 1/2″ drive torque wrench, my favorite being the Neiko Pro line that I use religiously for every mechanical work conceivable.

It is a worthwhile investment and they typically range in price from $20-40, which is cheaper than a single brake rotor for your car. The brakes and wheels are the most important components of your car and therefore, requires the most care and attention. Go check your lug nuts today.

How to Get a 700 Plus Credit Score With One Small Key Ingredient

Everyone wants a great credit score, but sometimes you wonder if it is possible. If you are wondering how to get a 700 plus credit score, then you are in luck. This article will help you understand your credit better, and show you how to get awesome credit!

First, it’s important to understand what makes up your credit score. There are three major credit bureaus that potential creditors will use to get info about you. These are Equifax, Experian, and Transunion. These credit bureaus collect info about you from those you have borrowed money from. The more times you pay your creditors on time, the better your score. They also measure the amount of debt that you have and how much of that is revolving debt (think credit cards). Too much revolving debt will lower your overall score.

Generally speaking a credit score above 700 is considered to be very good. This will entitle you to the best rates and the most respect. But, the holy grail of good great, a credit score above 700, is made all the more important in the credit driven society that we live in. A good credit score can mean that you can afford a bigger house or that great car you’ve wanted. It also gives you options and freedom.

Many people want to know how to get a 700 plus credit score. It is not as difficult as you might imagine. Even if you have made credit mistakes in the past, you can learn how to get it where you want. Start by getting on a reasonable budget. This allows to the freedom to allocate your funds properly so that you know that the money is there to pay your bills. And want to know the biggest secret to get your credit score above 700? Pay those bills on time! Anti-climatic, I know, but that is seriously it.

Another tip on how to get a 700 plus credit score is to keep your balances on your credit cards well under the limit. It is a good idea to owe less than half of your limit on your cards, and pay them regularly. When you are maxed out or even close on your cards, this signals to creditors that you are having financial trouble.

Finally, try not to apply for new credit if you don’t need it. Those store credit cards that promise to give you ten or fifteen percent off of your purchases may be tempting, but in the long run they can cost you precious points on your score. Limiting new credit inquiries is a key element in how to get a 700 plus credit score.

If you are looking for ways to skyrocket your credit, keep these tips in mind. If you keep to your budget, make your payments on time, and watch your balances, you can learn how to get a 700 plus credit score in no time.