I Have Bad Credit and I Need a Legitimate Car Loan Online With No Down Payment!

Smoke and mirrors. That's what I think of when I look at some websites on the internet. When you've got bad credit and you're looking for a real car loan without hassles and gimmicks, it's tough sometimes knowing where to turn. It seems like there are thousands of websites on the internet and it's just tough knowing what is real and what isn't.

Well, you'll find that there are some good companies, but it's like trying to find a needle in a haystack, as the old saying goes. Here's a few tips that will help you in being certain that a company that offers bad credit auto loans is legitimate and isn't just trying to snag your wallet.

1) Make sure you only deal with a company that is listed with the Better Business Bureau Online (BBB Online) Phone or check online to ensure that they are registered and that there are no complaints filed against them.

2) Track record is everything. Be sure to check that they have been in business for several years and that they have successfully helped hundreds of people get approved for loans. Online review sites are great for this.

3) Are they a real lending agency or are they simply trying to generate leads for a car dealership? This is a common problem which can easily be avoided by following the first two steps. Who wants a call from a dealership trying to sell them a car? Not me!

4) Can they truly offer a no money down auto loan package, or is that just another advertising gimmick? Always read the fine print.

If you keep these tips in mind and do some research, you will have no problem finding the best auto loan even if you have no credit at all.

How to Do Your Own Auto Glass Chip Repair

A repair that is often overlooked until too late is auto glass
chip repair. While a chip in the windshield may not seem like much environmental waste pollution and the stress of temperature changes can cause it to grow over time, resulting in cracks and repairs more expensive. However, it has to come to this. With this article, and a do-it-yourself glass repair kit cars, you can fix a chip in the windshield before it gets worse.

Inspecting the damage

The first step in any repair process to inspect the damage. You can do it yourself or even take your car to a professional if necessary. A general rule is that if windshield damage is limited to a minor chip or Knick, you must repair. Often, small spider cracks can be repaired as well, but the cracks with long veins present a major problem and usually are not repairable. If in doubt, consult a professional for their opinion.

Select the repair kit

If you determine that your chip is actually glass repair, a trip to your local auto parts store will offer different options for repair. Although offered by different companies, most do-it-yourself kits windshield work the same way and have similar elements. The kits typically include a stabilizer or a base that resembles a suction cup, a nozzle or applicator, a tube of resin and a curing adhesive film.

Perform the repair

Before diving into the repair, be sure to read carefully the detailed instructions with the kit. Once done, the first step is to clean the chip and the area around it as best as possible with glass cleaner. Wipe dry with a clean towel afterwards. If there is any debris on the chip, a safety pin or similar item can be used to remove it.

When the area is clean, the stabilizer or base shall be affixed to the windshield, usually with an adhesive. Make sure it is carefully positioned and that the seal between it and the glass is tight. The next step usually involves placing the applicator nozzle or the stabilizer. Generally, the air is extracted from between the stabilizer and the windscreen, while injecting the resin. The vacuum thus created helps to draw the resin into the crack and to protect it from pollutants in the air.

Once the resin has cured for the time specified in the instructions, applicator and the stabilizer are removed. The next step usually involves placing a drop of resin on the repair and then placing the cured film thereof. When making the film, make sure to remove any air bubbles that may be present. Again, the curing of the resin in the amount of time specified in the instructions.

Once the film is removed, if any part of the repair is not uniform, usually can be solved with a razor blade. Any excess resin or adhesive residue can be cleaned with glass cleaner. If completed correctly, the repair should be kept fairly quiet at this point.

While a chip in the windshield may seem insignificant, it is important to take care as soon as possible before it becomes worse. With the information provided in this article, you will find it a simple job that can save you big money in the long term.
http://www.articlesbase.com/automotive-articles/how-to-do-your-own-auto-glass-chip-repair-1507480.html

AUTO INSURANCE 2009 Company of the Year

"We’re grateful to the Indiana Big ‘I’ for choosing State Auto to receive this honor,” said State Auto Chairman and CEO Bob Restrepo. "Our association with Indiana’s independent agents dates to our founding in 1921, and to this day, Indiana remains one of our most significant states of operation. Working with our agents, we’ve produced a track record of financial security and stability, along with products and service that benefit our tens of thousands of Indiana policyholders.”

The State Auto Insurance Group has been named 2009 Company of the Year by the Independent Insurance Agents of Indiana (IIAI). According to the IIAI, this award recognizes the company that most demonstrates a strong commitment to the independent insurance agency system in Indiana.

State Auto received high scores for its commitment to growth in Indiana; the uniqueness of products, value added services and programs offered to agencies; a strong, long-term marketing plan for Indiana; and the quality of its Indiana staff.
The State Auto Group, which includes State Automobile Mutual Insurance Company, also scored high for its stability in the marketplace, and for being one of 13 property and casualty companies to have maintained an A+ rating from A.M. Best each year since 1954. State Auto’s strong commitment to and support of the independent insurance agency system, along with its support of IIAI, also delivered high scores.

Independent Insurance Agents of Indiana (IIAI)

The Independent Insurance Agents of Indiana is a trade association representing over 800 independent insurance agencies in the State of Indiana. The association was formed so insurance agents and insurance consumers have a unified voice in government and can share common goals and information. Among the numerous services IIAI provides to its membership are over 100 continuing education seminars across the state annually, offering over 30 property and casualty programs, and over 20 Life/Accident/Health self study programs. IIAI’s education opportunities provide increased knowledge and insurance license continuing education credits to independent insurance agents in Indiana.

State Auto Insurance Group

State Automobile Mutual Insurance Company, headquartered in Columbus, Ohio, is a super regional property and casualty insurance holding company. The company is primarily engaged in writing personal and business insurance products exclusively through independent insurance agencies in 33 states and is proud to be a Trusted Choice® company partner. State Auto Mutual is part of the State Auto Group. The State Auto Group is rated A+ (Superior) by the A.M. Best Company and consists of State Automobile Mutual, State Auto Property & Casualty, State Auto National, State Auto Ohio, State Auto Wisconsin, State Auto Florida, Milbank, Farmers Casualty, Meridian Security, Meridian Citizens Mutual, Beacon National, Beacon Lloyds, Patrons Mutual and Litchfield Mutual Fire.

State Auto Mutual also writes specialty insurance and workers’ compensation products through its Rockhill insurance subsidiaries. The Rockhill insurance subsidiaries, rated A- (Excellent) by the A.M. Best Company, write business on a non-admitted basis in 49 states and the District of Columbia, and are licensed on an admitted basis in 42 states and the District of Columbia. Additional information on State Auto Mutual can be found online at http://www.StateAuto.com/.