Budgetcarinsurance

If your Chrysler has been in an accident, depending on the year of your vehicle, you have the right to demand from your insurance company your vehicle be fixed with genuine Chrysler parts by Mopar. These are the same parts your Chrysler was built with.

You may not realize the difference between Chrysler original parts and non-OEM aftermarket parts. But body shop professionals will agree that aftermarket sheet metal has to be altered to fit your vehicle. The holes don't line up, the bracket is missing, color doesn't exactly match or whatever the case. The aftermarket body panels do not have an exact fit and are not made of the same quality metals. Unlike original replacement parts that are designed for your vehicle - so the parts operate seamlessly with your vehicle lines.

If you elect to have your car repaired at a independent body shop other than your local Chrysler dealer, it's a good idea to discuss this with your body shop as well. Let them know you will not accept aftermarket replacement parts. It's not a bad idea to visit your vehicle while it's being repaired. Just to assure their is no confusion between the body shop and insurance company.

In addition, Chrysler collision parts must meet or exceed the same specifications as your vehicle did when it rolled off the assembly line. Plus, their backed by a limited lifetime warranty backed by Daimler/Chrysler. Coverage lasts as long as you own the vehicle on which the part is installed.

# posted by taniayegn : 3:18 PM  0 comments

Do you consider the cost of car insurance before you buy your dream car? You should. The Highway Loss Data Institute analyzes the cost to insurance companies from theft, collision, and injury claims as they relate to cars. They look at the color of the cars, how many doors they have, and even break them down type.

The Highway Loss Data Institute is a nonprofit public service organization. It is closely associated with and funded through the Insurance Institute for Highway Safety, which is wholly supported by auto insurers. HLDI gathers, processes, and publishes data on the ways losses vary among different kinds of vehicles.

4- Door cars have a 93% less chance of having a claim related to theft than their sibling 2-Door cars. Buy a Buick LeSabre and have relatively no chance of a theft loss. Compare that to the convertible Chevrolet Corvette that has over 5 times the average theft rate. You may have known that. However, did you know that the Toyota Celica has a 67% higher chance of theft than the Toyota Camry?

In addition, even though the 2002 Lexus IS 300 gets a "best pick" rating from the Insurance Institute for Highway Safety for its performance on crash tests, previous years' models of the same car are some of the most costly in terms of collision claims. "One of the factors that come into play there is the cost of repairing an expensive vehicle," says Russ Rader, with the Insurance Institute for Highway Safety.

What about safety? You may be surprised at some of the results. For example, the Porsche 911 has a 67% less chance for injury claims than the norm. Go figure. The Mitsubishi Lancer has almost double the injury claim rate over the norm.

Where does you car fit for injury theft and collision? What about your dream car? Take a look at this run down based on 2000-2002 HLDI data:

Models that are among the most expensive for theft claims include:

Cadillac Escalade four-wheel drive
Chevrolet Corvette Convertible
Lincoln Navigator four-wheel drive
Jeep Cherokee four-door
BMW 3 series Convertible

Models that are among the least expensive for theft claims include:

Buick LeSabre
Buick Park Avenue
Volvo V70 Station Wagon
Mercury Grand Marquis four-door

Models that are among the most expensive for injury claims include:

Suzuki Esteem four-door
Kia Rio four-door
Mitsubishi Mirage two-door
Kia Sepectra four-door

Models that are among the least expensive for injury claims include:

GMC Sierra 2500 two-wheel drive
Chevrolet Silverado 2500
GMC Yukon XL 1500 four-wheel drive
GMC Sierra 2500 four-wheel drive
Chevrolet Tahoe two-wheel drive

Models that are among the most expensive for collision claims include:

Subaru Impreza WRX four-wheel drive four-door
Lexus IS 300 4 door
Hyundai Tiburon two-door
Porsche 911 Coupe
Acura RSX

Models that are among the least expensive for collision claims include:

Ford Excursion two-wheel drive
GMC Safari four-wheel drive
GMC Sierra 2500
GMC Yukon XL 1500 four-wheel drive

Source: The Highway Loss Data Institute

# posted by taniayegn : 2:21 PM  0 comments