Auto Insurance Explained in Simple Terms

Auto insurance, is insurance that you purchase for your cars, trucks, motorcycles and boats etc. It provides you with protection from losses that may incur as a result of a car accident. While this may sound simple enough to understand there are many types of auto insurance policies available to you and it can be rather confusing. Your coverage level and types will vary depending on the policy that you choose.

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If You Are Looking For Paint Protection Avoid The Car Dealer Rip Offs

You're ready to buy a new car and off you go to start visiting dealerships in your area. After looking at what seems like a million new cars, you finally find the one that you want. You go inside to set up your financing and while you're sitting there, the dealer suggests adding a paint protection treatment that maintains your car's glossy paint job. He promises that it will protect the paint from weather damage and can make this one time offer to you for a mere $1500.00 extra.

You might think this is a good deal because certainly you want to make sure that your car continues to look as good as it does now. Before you sign on the dotted line, there are some things that you need to be aware of. Costly paint protection systems from dealers are only costly to you. The dealers paid very little for them and jack up the price, depending on how much they think the prospective client may be willing to pay. This is why when you balk at the price, they offer to do you a favor and cut it in half.

This might seem like a better deal but what you should consider that if he can offer to cut the price by 50%, he could've offered it to you at that price in the first place. This is already a hint at his dishonesty. Now that you see that you are dealing with a person who has questionable ethics, your radar should be fully engaged.

Common sense dictates that a business man is out to make a profit, usually a substantial one and uses you to obtain it. If he's cutting the price in half, he can usually go a whole lot lower. If you take a moment to read the fine print in the warranty for this "exceptional value" as he might put it, you will note that it's your responsibility to take the car in periodically, usually every 60 days, to have the protection renewed. Failure to do so will void the warranty and you just spent all that money for nothing. Dealers do this because they are playing the odds that most people are not going to bring the car in for all of the scheduled treatments.

Things come up in life, people forget or they can't get the time off from work to take care of it. This puts the odds in the dealer's favor, so they get to sell paint protection plans and warrantees knowing that they will be getting paid for doing little or nothing. There are many paint protection systems on the market that you can do yourself at your own leisure.

They will cost little in comparison to what the dealers are offering to sell it for and you can be assured that you will get the same quality protection at a fraction of the cost. After you have politely listened to your salesperson's spiel about why you just have to have this paint protection system, smile and say no. Take your car home, do some research and find a protection system you can use do and maintain yourself.

Gregg Hall is an author living in Navarre Beach, Florida. Find more about this as well as a paint protection systems at

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