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http://www.icarforrent.com/ Icarforrent in Spain, offers a wide and extensive fleet of cars in Spain at low Cost hire rates, to popular Spanish holiday destinations and pick up locations from major Spanish Airports and Train Stations. Thank you for booking with us making us to continue offering Car Rental Rates discounts in Spain USA and Europe

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Auto Insurance Coverage and Deductible Options - State Farm
Get the auto insurance policy & coverage options right for you. … Rental Reimbursement. This coverage pays for renting a car when your auto is disabled …
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Insurance Coverage and Quotes - State Farm
Buy affordable commercial auto insurance from State Farm. Get auto insurance quotes and find other discounts available for car insurance coverage.
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Tips on rental car insurance - Aug. 2, 2000
2 Aug 2000 … Most auto policies extend to rental cars. … who picks up the tab, according to Michael Sullivan, a spokesperson for State Farm Insurance. …
money.cnn.com/2000/08/02/…/q_bankrate
State Farm Auto Insurance & Rental Car Coverage » My Money Blog
6 Aug 2009 … State Farm Auto Insurance & Rental Car Coverage. Do you know if your auto insurance company will cover you in an accident in a rental car? …
www.mymoneyblog.com/state-farm-auto-insurance-rental-car-coverage.html - Cached
Read before you rent a car - The Denver Post
23 Mar 2008 … Although “as a general rule, your auto policy will extend to your rental car,” according to Colorado-based State Farm Insurance claim team …
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Many auto policies cover rentals with the same type and amount of … car, coverage, insurance, money, policy, rental, waiver … As previous commenter noted, more information relevant to State Farm policyholders would be great. …
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Consumer complaints about State Farm …

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How much insurance does one need? You have the big four: home, health, life, and car insurance. Then there’s a second category, which starts getting a little hazy with credit card insurance, purchase protection plans, fraud insurance and more. Extended warranties, also called extended service contracts, or extended service policies fall into the mist of this second category.

Extended warranties are supposed to pay (in full or in part) for specified repairs for a specific period of time after the expiration of the factory warranty. They can be a great value. They can also be a significant waste of money. It gets quite foggy in the details. What exactly is covered? How long? How much? Are there hidden charges?

There are numerous extended warranty companies and an even wider variety of warranty packages available: silver, gold, platinum, platinum-plus, and a host of other confidence-building words. What’s the best plan, and are extended service contracts worth the money? Extended warranties, like life insurance policies, are a numbers game. They’re a gamble. You pay $2500-$4500 for a 2 year, 100,000-mile protection plan and hope that you get at least that back in warranty repairs. The provider on the other hand, hopes to pay out less than it insured.

There are three major types of plan providers: The manufacturer, the dealership/third party, and third party providers. Each one has its assets and liabilities (discussed ahead).

What exactly is covered in an extended service plan? As mentioned above, what’s covered depends on the package purchased. Some plans only cover the power train: the mechanical components of the engine, transmission, and rear-end. Others cover the power train plus some electrical components. Still others cover electrical, advanced electrical, and computer components. Some only cover what’s listed in the contract. This is called a “Stated” or “Named” contract. This means that if it’s not stated, it’s not covered. Some cover bumper-to-bumper, similar to a manufacturer warranty, except trim pieces, upholstery, exterior components, cosmetic items, and a number of other exclusions.

Never before has the adage, “The devil’s in the details,” been so applicable.

Manufacturer Extended Plans:

Extended service plans from the manufacturer are the best in terms of coverage, convenience, and quality. Coverage is similar to the warranty while the vehicle was under its original factory warranty—with similar exclusions stated above. The billing is direct, meaning you don’t have to pay out-of-pocket, except for a deductible, if applicable. Quality is great too, as an extended warranty from the manufacturer will only use factory parts. They also have money, so there’s less risk of bankruptcy.

The down side of manufacturer extended service plans is that they are not cheap. These plans are generally the most expensive, require low mileage standards, and necessitate servicing your vehicle at a dealer for coverage.

Dealership/Third Party Plans:

Extended warranties from a dealership are actually from a third party insurer. These providers are “generally” reputable, but not always. However, if there is an issue (such as the warranty provider filing chapter 11, which is quite frequent in the extended service contract business), the dealer “may” step in to cover any repairs that would have been covered under the defunct plan. Also, claims are easier: billing is direct because the dealership has a working relationship with the provider, and there is usually agreement on price.

Some dealers set up their own “internal extended warranty,” which is honored by the selling dealer. This is rare, and should not be confused with a manufacturer warranty. Important: extended warranties are often passed off as “manufacturer” warranties. They’re not. This is a sales trick. Also be aware that there is a significant mark up, as the dealership is merely acting as the middle man. Lastly, extended warranty companies often go bankrupt without warning.

Third Party Plans:

These plans are called third party plans because they are outside the responsibility of the manufacturer and the service center performing the repairs (unless there’s a working relationship with a repair shop as stated above).

There are hundreds of extended service contract companies. Some have good reputations, some don’t. Third party plans are frequently sold by used car dealers. You may also receive an official looking notification in the mail stating that your warranty is expiring, and directing you to call an 800 number ASAP. This is a marketing tactic by an independent warranty provider. Despite the “official” appearance of the postcard or envelope, it’s not from the manufacturer. Manufacturers do not send out reminders about warranty expirations.

Given the wide-variety of third party plans there are numerous red flags.

1) Claims: Extended warranty companies will be quick to tell you that filing claims is easy, and that the service center gets paid immediately via a credit card. Thus, there’s no out-of-pocket expense for you. However, the warranty company can’t dictate a service center’s policies. Some service centers will only accept payment from the repair customer. Thus the burden is on the repair customer to fill out the forms, contact their warranty company, and await reimbursement via check, which can take 2-8 weeks.

It is the service center’s responsibility to contact the extended warranty company to let them know what’s wrong with the vehicle and to check coverage. This process can take anywhere from 20 minutes to 20 days, sometimes more, depending on the degree of repairs and especially the amount. (See $1000 and Adjusters ahead)

Service centers and extended warranty companies frequently battle over the “fair” price of repairs. Many repair shops no longer negotiate, and just state the price, leaving the contract holder (i.e., the service customer) responsible for the difference.

2) Rentals: Rental coverage is a great benefit. However, there are fixed rates and time limits. In other words, the warranty company is not going to pay to have you drive a Mercedes-Benz, even if you drive a Benz. Rental allowances range from $25 to $35 per day. Also, rental coverage is based on the number of hours it takes to repair the vehicle, NOT how long your car has been at the shop.

3) $1000 and Adjusters: Repairs that approach $1000, or that require a significant amount of work, will be cause for the warranty company to call in an adjuster to confirm the diagnosis. This will delay the repairs by a minimum of 24-48 hours. It may cost you additional money when an adjuster is involved. You may be charged to have your vehicle pulled back into the shop for inspection, as well as for the time spent with the adjuster.

4) Tear-down Charges: In many cases, an extended warranty company will require that a particular component be taken apart for inspection to determine if the repair is indeed needed and covered. This puts the service customer in a very awkward position. The customer will have to authorize potentially hundreds of dollars of tear-down expense in the hopes that the repair is covered. If it’s not, the customer is out the hundreds in tear-down PLUS the actual repair. This does happen!

Common Myths:

1) “Extended warranties cover maintenance services and brake work.”

No. Extended warranty plans do not cover maintenance or wearable items. Brake pads and rotors are wearable parts. Maintenance such as coolant, brake and transmission flushes, tune-ups, services, oil changes, bulbs, wipers, and more are not covered.

2) “They told me it’s bumper-to-bumper, so it covers everything right?”

Wrong. Not even a factory warranty covers everything. When pitching the sale for the extended warranty, one is very often lead to believe that he or she will have nothing to worry about. This is just not true on so many levels. For example, if your bumper falls off it’s not covered.

3) “I don’t have to pay anything, right?”

Wrong. Despite the claims of 100% coverage, there are many factors involved. The labor rates, labor hours, diagnostic times, parts prices, and machine work are just a few items that often conflict with a service center’s policies. Some extended contracts only pay a maximum of $55 per hour, and only allow one half hour for diagnostic time. This is generally unacceptable to the service center, as labor rates have skyrocketed to over $100 per hour at many dealerships, and average $75 at local shops. Moreover, with the complexity of today’s vehicles, diagnostic time is at a premium. The customer pays the difference.

4) “If I have an expensive problem, I can just purchase an extended service contract.”

It’s unethical, but it’s an option many attempt. However, most service contracts have a minimum time requirement before the first claim can be filed: usually three months. Also, many contracts require that your vehicle be inspected by a service center to check for pre-existing conditions—just like life insurance.

5) “My contract lasts up to 100,000 miles.”

Only if the time limit doesn’t run out first. All extended warranty plans have a time limit. For example, a typical contract will state that the vehicle is covered for two years or 100,000 miles, which ever comes first. During the sales pitch, however, the emphasis will be on the 100,000 miles, not the time.

6) “If my car breaks, it gets fixed like new.”

Actually, depending on the contract, an extended warranty company can insist on installing remanufactured or even used parts.

Items commonly not covered by extended warranties:

• Any component with a pre-existing condition

• Any component related to a Technical Service Bulletin (TSB)

• Many components that has been updated by the manufacturer

• Extra components necessary “due to manufacturer updates” to complete the repair

• Trim pieces: molding, cup holders, dashboard, console, body parts, glass

• Many accessories: radios, DVD players, TVs

• Many expensive electronics: climate control units, navigation assemblies

Service contract positives:

Some service contracts are transferable, and may thus increase the resale value of a vehicle. Many come with trip interruption reimbursement, towing and 24-hour road side. Some plans can also be financed, or have E-Z Pay Plans. Others offer a money-back guarantee.

What should you do?

You’ll get lots of advice about doing the research, comparing plans, and reading the fine print. This is all sound advice. But what about doing the math?

Let’s say a plan costs $2500 for 2 years or 100,000 miles, whichever comes first. To break even you’ll need a minimum of $1250 per year in covered repairs, excluding regular maintenance. Remember covered is the vital word here.

Another way to break it down is to anticipate having to pay $104.17 per month over the next two years in “covered” repairs. Do you want to take that bet?

What could happen?

You could double your money or more in repair work. You could conceivably get a new engine and transmission (or used ones anyway). You could also easily spend $2500 for a service contract, and still have to pay another $2500 for repairs, which for a variety of reasons, were not covered under your plan. Now you’re out $5000.

Alternatively, you could keep the initial $2500. In many ways all an extended warranty does is prepay for repairs. You could stick the money in the bank and collect interest. Then you could withdraw the money for repairs as needed.

Another consideration that’s rarely discussed is the cause of the problems. Many car repairs problems are the result of wear and tear, neglected maintenance, physical damage, or acts of God—such as flood damage. None of this is covered. The gamble only covers failed components.

If the vehicle you’re driving does cost $2500 to $4500 in repairs due to outright failed components, is it a vehicle you even want to consider keeping? A vehicle that needs this kind of repair work due to mechanical, electrical, or computer failures may not be worth it. The $2500-$4500 would be better spent on an upgrade to a quality vehicle rather than insuring a lemon.

There’s no question that auto repair is expensive, and even quality cars break from time to time. But do they breakdown to the tune of $2500-$4500? That’s a hefty bet on a “possibility.”

Terence O’Hara from the Washington Post makes an excellent assessment about extended warranties in general. He writes:

…extended warranties play upon a basic human trait to avoid loss, even if it means sacrificing a possible future gain…the gain is all the other things of value that a consumer could buy with the money that was spent on a warranty

What’s the best plan?

Money in your bank account!

Theodore Olson
http://www.articlesbase.com/automotive-articles/auto-repair-insurance-extended-warranties-myths-and-facts-68518.html

As the cost of living increases and we find ourselves paying more for things we’ve always bought, finding easy tips to save a few pounds are always welcome. Today you can find bargains by following a these easy tips for keeping money in your pocket and out of the till!

Home Purchase

Always have a thorough survey completed on the house and use the findings to negotiate a lower price for a smart sale.

Mortgage Refinancing

If you can refinance your mortgage, look for a rate at least one percent lower than your current mortgage and commit to several years with this new rate.

Major Appliances

As always, research the appliance beforehand and save yourself up to£50 or more! Compare the quality of various brands and contact at least four retailers for a quote, always asking for the lowest price.

Home Improvement

Research qualified and experienced contractors who are fully licensed and will submit written, fixed-price quotes for the job. Always inspect contracts and never sign asking for full payment before the project completion.

Telephone

Check phone bills a few times a year, reviewing calls and costs from at least three months before. Take note of the rate of local, long distance and international calls, and compare them to new packages and offers from other providers.

Credit Cards

Switch to a card with a low annual percentage rate (APR) and get rid of excess cards, keeping the two you use most, or pay with cheque, cash or debit card at the till. Reduce fees by avoiding late payments , staying within your credit limit and save hundreds of pounds a year by paying a credit card balance by its monthly due date.

Food

Begin with a shopping list and try local bargain grocery stores. Skipping expensive convenience stores could save hundreds of pounds a year! Always compare price-per-pound and lower unit prices on shelf labels , stocking up when the price is right.

New Cars

Save hundreds on new car purchases by selecting one with low maintenance, petrol and repair costs, and researching low financing and insurance rates for that car. Checking quotes with at least four dealers, letting them know you’re contacting other sellers, will give you a clear idea of the actual cost.

Car Rental

Shopping around is a great tool to compare the prices each car rental agency offers, and can save you quite a lot on basic rates. Always ask the agent about any additional charges before booking, and be sure to inquire about special offers the company might be running.

Petrol

Compare the prices of petrol at many stations. Keeping a well tuned engine and properly inflated tyres at the proper pressure could snag you an extra £20 at the end of the year.

Airline Fares

Flexibility is key to saving a bundle on air travel; buying in advance, using low fare carriers and taking trips with Saturday evening stay-overs can bring the cost of your flight down by as much as two- thirds!

Martin Lukac
http://www.articlesbase.com/finance-articles/all-the-ways-you-should-be-saving-cash-98881.html

Of course the employer pays for the bill for most business travel. But if you are in business for yourself or the employer isn’t footing the bill, it is important to look for travel savings. If you are a recreational traveler, the tips outlined here will be of equal benefit to you.

Foremost in trying to ensure travel savings is careful planning. Nothing expands the travel budget more than the unexpected. The choice of a hotel that is located near your destination can save money and all-important time during your trip. Another feature to look for when booking a hotel is a free airport shuttle service. This can save around $50 just getting from and returning to the airport. Also remember a taxi to the airport is expensive, if you don’t have a spouse or friend with the time to drop you off and pick you up at the airport consider staying at an airport motel. Many motels at airport locations offer free parking for the length of your travel when you book a room. This is a method that saves both time and money.

Car rentals are still a cost effective alternative to airport limos or taxis. An economy car rental may be the least expensive way to get from the airport and may also be the most efficient. Look for discounts and promotions that are offered by car rental companies, airlines and credit card companies as incentives. Your airline may offer a discount on a car rental from a partner company in conjunction with you airline ticket. Check your credit card, airline carrier and other sources for money saving travel deals.

Just because this is a corporate style trip, you don’t have to eat every meal in a restaurant. Getting deli takeout or a pizza for one night not only results in savings but also often give you much needed relaxation to concentration on your presentation. Your hotel will probably have a coffee maker and supplies. Bring along some breakfast bars and fruit to start the day off with a quiet breakfast in your room. Along with being kind to your budget, this way of starting your day will give you time for one more look at that presentation and notes of questions you need to ask.

Use the Internet to compare flight prices to your destination and compare hotel rates. Making your own travel reservations can result in travel savings; many hotels and airlines offer additional discounts and specials for booking online. This also holds true for car rentals. Booking directly and making your plans yourself will also give you the peace of mind that comes from knowing your itinerary exactly. This allows you to choose travel at precisely the times that are convenient to you and direct flights. Any and all time spent waiting for a connection or killing time in-between flights is likely to cost you money. Time on your hands usually results in buying and consuming things you don’t really want to pass the time. Doing a bit of work and careful planning will give you extra time to concentrate on the purpose for your business travel and end up in travel savings.

Victor Nunn
http://www.articlesbase.com/travel-articles/travel-savings-for-the-business-traveler-121587.html

Being only 30 kilometers from La Manga the airport sees huge numbers of owners and holiday makers every year. Once you arrive at Murcia airport you will realize that there is a distinct lack of public transport. There are no train links and only 3 busses daily to Murcia town center. Taxis however are plentiful and are best booked before you arrive. This ensures you will pay a standard competitive price and won’t spend time waiting when you arrive in Spain.

Because of this relatively recent influx of commuters Murcia airport is taking steps to expand it’s facilities and terminal building making it an obvious choice for any one who want quick simple transport to Spain.

Pre booked airport taxis will be waiting for you on your arrival. Having collected your luggage and passed through passport control you will exit the arrivals doors, at this point you will find your dedicated driver waiting for you holding a board with your name on it. At this point all you have to do is prove that you are yourself and accompany the driver to the car which will be located very closely to the terminal building.

If your flight should be delayed the driver will be aware that you will be coming in late. You don’t need to inform anyone this is because the drivers and booking company monitor your incoming flights.

All drivers speak English and will already have your accommodation details. They will know exactly where they are taking you because you will have given the address of your holiday rental when you made your booking.

An airport taxi will remove any element of stress or exertion from your holiday experience, you can spend the time sitting back comfortably and letting somebody else worry about driving.

The taxi will take you directly to your door; you won’t have to worry about locating your rental once you arrive at the club or carrying your luggage over any great distance. An airport taxi from Murcia is also cost effective leaving you more cash to enjoy your holiday with.

Murcia Airport is located 45 Kilometers outside of Murcia city close to a small town called San Javier. Unfortunately public transport links from here are rather limited we advocate that an airport taxi is the easiest hassle free method of reaching your destination from here. It is perfectly sited to serve to southern Costa Blanca and Costa Calida regions, anyone travelling to the La Manga resort will find Murcia airport very convenient and by far the nearest.

We find that it is very often the case that a car hire works out less expensive than a pre booked taxi or coach transfer. Below you will find details of both taxi transfers and a comparative car hire booking engine that will check many car hire companies with one search. This will allow you to check the best price option for your journey.

Resort Hoppa offer very competitive private transfers which can accommodate extremely large groups; even up to 55 people on a coach. Resort Hoppa rates are based on the size of vehicle used. For example they will charge the same rate if your group is 2 or 4 persons as the car used to accommodate you will be the same vehicle.

Michael J Lee
http://www.articlesbase.com/travel-articles/private-taxi-transfer-murcia-airport-709987.html