Benefits of Dual Fuel Cars

By Scott Vanwinkle

A dual fuel automobile is a vehicle that will operate on two or more types of fuels. There are many alternative fuels available, not just petrol. The advantages to owning a dual fuel automobile are:

Fuel costs are reduced dramatically. For example, compressed natural gas (CNG) in Utah is .73 per gallon. The current petrol price is $4.08 per gallon. To fill a 12.8 gallon tank of CNG would cost $9.34 compared to $52.22 for petrol. If you fill your tank every week your savings would be $2229.96 per year. If you live in a 2 car home the savings would be $4459.92. That is a savings of $371.66 per month!

You may drive in the car pool lane alone by owning a dual fuel automobile. This could save you hours of commute time, thus allowing you more time to spend with your loved ones and not in bumper to bumper traffic.

Dual fuel automobiles when operated with CNG and not petrol are environmentally friendly. The use of natural gas as a fuel reduces vehicular exhaust. Carbon monoxide emissions are reduced by 70-90% and Hydrocarbon emissions by 40-60%. Carbon dioxide emissions, a cause for global warming, are also reduced significantly.

When operating a dual fuel automobile with CNG your costs to maintain the vehicle will go down and the life of your engine will go up. CNG does not contain lead which extends plug life. CNG will not contaminate or dilute crankcase oil.

Many vehicles may run on CNG, Propane, Ethanol, Hybrid Electric, Petrol and Hydrogen. Each type of vehicle will have advantages and disadvantages depending on where you live and the infrastructure of the fueling capabilities. However, most of Americas' fuel crises were produced because we allowed ourselves to have very few options. Owning a dual fuel auto you will never be left without options again. You will be left with your personal choice of what fuel you want to operate your automobile under. When you have choices at the pump you will have a choice of what cost you pay for your fuel.

Some vehicles come standard from the dealer as a dual, bi fuel or dedicated auto. These conversions that are standard from the dealer are usually EPA certified systems. - 21392

About the Author:

Scott writes an article aboutdual fuel and about cng conversions

Commerical Vehicle Insurance - Online Quotes For Car Insurance

By Matt Hellstrom

The best way to adequately protect vehicles dedicated for business or commercial use is to buy commercial vehicle insurance for every vehicle in this category. The insurance is meant to cover damage and losses in the event of fire, accident, or traffic incident.

Notwithstanding the unique realities underlying the insurance of commercial vehicles, there are still a number of choices for insuring commercial vehicles. In some of areas, there is more risk involved in the commercial vehicle business, but this needs to be factored into any proposal for insurance.

Commercial vehicle insurance is highly recommended and is considered essentail for businesses that make use of vehicles in transporting people or any type cargo. It is prudent to get professional advice from a qualified insurance agent who specializes in commercial vehicle insurance about the specific needs and uses of each type of commercial vehicle.

Basically, there are some factors to be considered before choosing which insurance policy is appropriate. They include the following: issues pertaining to who owns or leases the vehicle- you individually or the business as an entity, who will drive it and the use to which the vehicle is put. Commercial insurance policies allow you to list employees as drivers so that the insurance company can properly underwrite the risk on the vehicle.

If you are hauling cargo, it is necessary to know if the goods are in the category of chemicals which might be hazardous or otherwise highly flammable. Will it be long distance or local use? The type of vehicle in use here determines the price or rather the cost of insurance policy premiums.

An insurance policy for commercial vehicle can also include bodily injury and liability, medical payments for treatment of those injured in the incident. A more comprehensive coverage also exists which extends it to include damages due to theft, breakages, property damage and fire incidents.

By going for commercial vehicle insurance, you're not only protecting yourself from claims for personal injury or property damage, you protect your business as well, Seek professional advice for your insurance needs and purchase the type of insurance appropriate to your business and you'll sleep better at night. - 21392

About the Author:

Are you in the need of auto insurance? The internet has totally altered the landscape of the auto insurance industry. Get online quotes for car insurance and learn about antique auto insurance at http://onlinequotesforcarinsurance.com today.

International Shipping And Online Shopping

By Amy Nutt

When you shop online, you can get some great deals, because the vastness of the World Wide Web increases competition among retailers. If you do not like the price at one retailer, you simply click over to another. Soon you will find the item you need or want at a truly bargain price.

When you find the perfect item at the best possible price, you add it to your cart, pull out your credit card, and start to make your purchase, pleased with the low price. Suddenly, you see that shipping charge. Little did you know, the retailer you were shopping is not located in your country. You are forced to pay excessively high international shipping charges. Suddenly your "great bargain" is not so great.

The Cost of International Shipping

International shipping costs more because it costs the retailer more to send you the item. Any time an item crosses borders, the shipping rates get inflated. Even if you are shipping from the United States to Canada, which is not really a large distance, you will pay more. Always look at the shipping charge before you pay.

Inflated Charges

Some retailers will charge inflated shipping charges, simply because they know you will expect to pay more for international shipping. Research the shipping cost on your own before you pay. While you can expect to pay some sort of handling fee to cover time and mailing supplies, if the cost for international shipping is way higher than it appears to be if you were to ship the item, consider looking for a better deal at another retailer.

Not All Retailers Offer It

Online retailers target specific countries. Australia, the U.K, the U.S., and Canada are all targeted by online retailers. If you are shopping outside of these targeted markets, you may find that some retailers will not ship to your location. American retailers are particularly guilty of this, and many do not offer any international shipping at all, even to these other major markets.

Before you begin shopping on a particular website, check to see whether or not they offer international shipping. Most online retailers will have a page outlining their shipping policies. If they do not appear to offer international shipping, ask before you start trying to make a purchase.

Shipping Is Non-Refundable

On most websites, shipping is non-refundable. If you are not happy with your item and paid a lot of money to have it shipped internationally, you might be able to get your money back for the purchase price, but you will have lost the money you spent on shipping. Make sure you are confident on the quality of the item before you buy.

Make Sure a Deal Is Still a Deal

If you know you are going to have to pay international rates for shipping on the item you are purchasing, make sure that you are still getting a good deal. Sometimes the cost of shipping will eat up any potential savings you might be receiving on the item's purchase price. If the shipping rates are too high, consider paying a little more for the purchase price at a retailer with local shipping rates. You might end up saving more money. Remember, when shopping online, whether shopping locally or internationally, the shipping rate must be figured into the purchase price as you make your decision about whether or not to buy an item. - 21392

About the Author:

International shipping is now available on most online shopping platforms. Find shipping rates to your home and get the best deal!

The History Behind Car Insurance & The Protection It Provides

By Marcus Worthon

Vehicle insurance, and more particularly car insurance, is one of the most widely purchased types of insurance policies around the world today. How, did this whole concept of car insurance came into being? What is the history behind it? In this write up, we examine, what all were the ideas that played the foundation on which the whole concept of vehicular insurance is based.

According to the history books, the very first documented proof of car insurance (in fact,vehicular insurance) can be found in ancient China. During the times when the west had started establishing trade colonies all along the Chinese border, instances of cargo ships being hijacked or lost were reported to be on a rise.

Later, the concept of car insurance got a whole new twist. Policy makers from all over the world got together and decided that owning a vehicle and driving it on public roads (roads, in most parts of the world are considered to be the property of the public) was a privilege.

During the time when various car insurance policies were being drafted, policy makers from all over the world felt that driving a car was not a luxury, since the car owner not only put himself at risk when driving on roads (which are public properties by law), but also third parties who are using the roads for their own reasons. Thus, the policy makers from all over the world started pushing forward laws to make car insurance mandatory for car owners.

While car insurance policies in the US can be traced back to the early 19th century, he first law, making car insurance policy mandatory for people owning cars and driving them on public roads, came into effect in 1927 in Massachusetts. Right after this law was passed, its acceptance was widespread, not only in the US, but also In the rest of the developed and developing world. With the number of cars (and consequently, the number of accidents) on the rise, such laws have been welcomed with open arms all over the world.

Although, the first law making making car insurance mandatory for car owners in the US came as late as 1927, a lot had been done in this field. Policies pertaining to vehicular insurance came into being in the early 18th century and it was in 1898, that Dr. Truman J Martin rolled out the first car insurance policy that covered liabilities as well. This was not the first such policy in the world, though. In 1895, a British insurance company had done the same. With the number of cars in the world rising at a staggering rate, the number of road accidents has also increased manifold and laws pertaining to making car policies have been accepted all over the world with arms wide open. - 21392

About the Author:

If you live in the sunshine state, you know that disasters are common. To keep your vehicle safe, you are going to want to look into Florida no fault car insurance. This is a great way of protecting your investment and your transportation should anything go amuck. This isn't a joke and it is a great way to make sure you are covered in case of an emergency.

Low Cost Car Insurance or Proper Liability Coverage?

By Joseph Welusz

Before you try to decide what the right amount of coverage should be. You first need to understand what Automobile Liability Insurance covers. There are always two factors that make up liability coverage. There is bodily injury and property damage liability.

Bodily injury liability covers injuries do to a car accident.

1. Emergency aid at the scene

2. Medical expenses for bodily injury

3. Restitution for lost salary

4. Funeral expenses

5. Legal counsel costs

Property damage liability makes the damage that is cause due to an automobile accident.

1. Structural damage to homes, storefronts, etc.

2. Money to fix or replace other non-moving objects

3. Vehicle repair or replacement costs

So, what coverage limit are right for you? Every state compiles there minimum guidelines individually. 15,000/30,000/15,000 is the minimal norm but that may vary from state to state so check your state guidelines. You might have noticed that there are three coverage figures and not two. This is because bodily injury liability usually comes in a split limit unless you request a single limit of coverage.

Split Limit coverage: Limits are split into two for bodily injury coverage and then there is a separate coverage for property damage. If you take the example from above $15,000/$30,000 coverage, the $15,000 represents the total amount of bodily injury coverage that will be paid out to any one person during an accident. The $30,000 represents the total amount of bodily injury coverage that will be paid out for the entire accident. If you had a single limit of coverage it would include a maximum to be paid out but no individual maximum and it could be divided however needed.

Property Damage coverage is always the last number which is represented by $15,000 in the example above.

What is right amount of liability coverage? The most common amount of coverage is a split limit of $100,000/$300,000 bodily injury with a property damage coverage equal to $50,000. People that take out lower limit are really exposing themselves to financial disaster if they can't afford to pay the difference when an accident occurs. For example, say you have $15,000/$30,000 bodily injury coverage and $15,000 property damage coverage. You get into an accident that is your fault with two vehicles a five year Honda Accord and two year old Chrysler 300. There are three people in the Honda and one person in the Chrysler. All have minor injury but are brought to the hospital and the person driving the Chrysler stays overnight for observation. Their bills will run over your $30,000 maximum for Bodily injury and the person driving the Chrysler will have individual hospital cost of more than $15,000. What does that mean? Once your coverage is used up you will be responsible for the rest. With hospital cost as expensive as they are that could mean a very costly bill to you. This doesn't even take into account the amount of property damage that needs to be paid out. Since you hit two cars the damage for both comes out at $19,000. That is another $4,000 out of your pocket. The worst part of the whole thing was you thought you had full coverage and that it didn't matter what happened. Full coverage only means that you have liability coverage, comprehensive and collision coverage but your limits on liability are the most important. Make sure they are set properly.

I would suggest never having coverage less than $100,000/$300,000 for bodily injury and $50,000 property damage with even higher coverage recommended. The cost to go from $15,000/$30,000 to $100,000/$300,000 or even higher shouldn't be more than a couple of hundred dollars a year at most. I would rather spend a couple hundred dollars more per year than be stuck owing thousand due to medical bills for a person that I injured in an accident. When talking with your insurance agent always get quotes with higher liability limits so you can compare the different prices between coverage. If you need to off set cost a little and you are getting full coverage consider having a higher collision deductible, but insurance cost savings is another topic to be written about later. - 21392

About the Author:

The preceding article was written by licensed insurance professional Joe Welusz who provides Free Insurance Quotes. He writes interesting articles on various insurance topics for QuoteMatcher.com. Before you get Insurance Quotes online check Joe's site for free money saving insurance ideas.