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RV Warranty - Is It Worth the Money
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How to get a Low Interest Rate Auto Loan
If you are in the market for a used car loan, be prepared to negotiate a good deal. Initially, car salesmen try and convince prospective buyers to agree to a huge sales price and interest rate. Of course, this maneuver does not serve to your advantage. Instead, it boosts the dealerships profit margin. If you have good credit, you are in a position to negotiate a better deal. However, if you have a... Read loans article
Student Loan 101 - Money Plus A Degree
If you are like every other college student out there, you need to pay for college somehow. Many students look into getting government grants or taking out loans from friends and family. These can be extremely effective means of financing an education and these options should be looked at. However, a student loan may be the answer if you don't have the savings or the means to get the money.
RV Warranty - Is It Worth the Money
RV Warranties - Extended Service Contracts
Many consumers are uncertain when it comes to the question of Extended Service Contracts, or RV Warranties, as they are more commonly called. They're not sure if they need the additional protection and coverage that an extended RV warranty can offer.
Many people have been lead to believe that extended RV warranties are simply a profit center for the RV dealer. This is true to some extent. Many RV dealers mark up the warranty prices from 100% to 300%, however Internet based companies can be much more competitive when it comes to RV warranty prices.
You shouldn't allow yourself to be pressured by the dealer to add the coverage when you are signing the purchase papers on your new RV. You may decide to add it at that time, but you should shop around and compare coverages and costs, just as you did when you purchased your RV.
Most RV manufacturers warranty their new units from 1 to 2 years. If the RV is motorized, the chassis manufacturer may warranty the engine and drive line for a longer period.
If you have purchased a used RV from a dealer, there is generally a very limited warranty, if any... normally lasting approximately 30 days. If you have purchased a used unit from an individual, there is generally no warranty whatsoever.
In most cases, you must initiate your warranty coverage before your manufacturers warranty runs out. Many companies however, will allow you to warranty a vehicle which you have purchased used, or after the manufacturer's coverage has expired.
An extended RV warranty is an excellent way to protect your investment. Many RVs cost nearly as much as a new home, and in some cases, even more. Why not spend a little extra for a LOT of additional peace of mind while you travel?
Internet Based RV Warranty Companies
Just as the RV dealer has a very high overhead, commissions and other costs to consider when pricing the coverages he offers; Internet based companies usually have much lower operating costs. Don't assume that the Internet based RV Warranty coverages are less comprehensive than what the dealer has offered.
Internet companies can normally provide many of the same warranty programs available from RV dealers. The are not only able to provide the same, or very similar warranty program the dealer offers, but at a much lower cost.
Consumers should always investigate the company that administers the warranty and claims, as well as the company that re-insures the policy. In other words, if the primary company went out of business, you are insured that the "re-insuring" company would step in and continue to honor and administer claims on existing policies.
Points to Consider
Claims Payments
You need to be aware of how the claims are paid. The preferred method of claims payment is through the Warranty Company's corporate credit card. This allows payment to be made directly to the repair facility. Some companies require you to pay for the repairs first - and then submit the claim. It can take weeks or even months to recover your out of pocket expenses in this case.
Deductibles
You will have a choice of deductible amounts, normally ranging from ZERO to $200, or more. There is normally very little cost difference between the lower and higher deductible amounts. It is usually advantageous to choose a lower deductible amount since the deductible will apply to each and every repair done to the RV.
Termination and Transferability
Your warranty coverage should be transferable if you sell your RV. It should have a prorated refund policy if you decide to terminate the coverage at any time during the warranty period.
Repair Facilities and Coverage Areas
You should also be sure that you could have any covered repair done at any authorized RV repair facility. The coverage should be good anywhere in the United States or Canada. Rarely, if ever will a warranty cover you in Mexico, so keep that in mind if you decide to take a vacation south of the border.
Additional Benefits
Many RV warranties have additional benefits such as towing reimbursement, rental car allowances, towing and road service, and lost key and lockout service. Some plans will even pay for your meals and lodging while your RV is being repaired.
Optional Coverages
Most policies also offer optional benefits at an additional cost. These options can cover items such as: Seals and gaskets, audio and video components, additional towing benefits, commercial use and even normal wear and tear.
You should also be aware that California is now a "dealer obligor" state. The dealer is responsible for the performance of the service contract, and not the administrator, nor the insurance company. Online and telephone solicitor warranty companies are prohibited to sell directly to California Residents and that means any online or warranty company.
Summary
Most experienced RV'ers will tell you that a good warranty is like a gun... It is better to have it and not need it, than to need it and not have it. The key is to find the best coverage possible for the best price.
You depend on your RV when you're on the road for lodging and transportation and you want it to work properly, especially when you're hundreds or even thousands of miles from home.
Extended RV warranties can provide peace of mind and are usually well worth the money spent. It's up to you to research the various companies and programs offered to obtain the best coverage for the money. Thanks to the Internet, it is much easier to compare pricing and plans and chooses the coverage that's just right for you and your RV.
Barry Wilder
President - Best Rate, Inc.
Barry Wilder has been associated with his family RV business for over 25 years. He is currently the owner of Best Rate Financial Services, providing loans and refinancing for RVs, boats and aircraft. They also provide RV and Boat Warranties.
Best Rate Financial Services RV Warranties - http://www.bestrate-loans.com
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Farm Loan - Securing A Farm Loan
If you live in the state of North Carolina, you know that farming plays a valuable role in the North Carolina economy. With nearly 9 million residents, the state has farms producing a wide variety of products. Indeed, North Carolina is a leader in the production of tobacco, sweet potatoes, and turkeys and the state is second in hogs and Christmas trees. Are you considering purchasing a farm? If so, please read on for suggestions on just how you can finance your proposed endeavor.
Farm Associations - Your local farmers probably belong to a farm association. Visit the association and see if they offer North Carolina Farm Loan plans. Some associations may act as an agent for the U.S. federal government's Farm Service Agency [an agency that is part of the USDA] who will direct you accordingly.
Financial Institutions - Commercial banks, savings banks, savings and loan institutions as well as credit unions are all good places to go for your North Carolina farm loan. When you meet with a representative, you must bring with you comprehensive financial information. This information should include an inventory of your assets, recent pay stubs, and personal and business references. While you are at the financial institution you will be given the suitable forms and disclosures to help you get started. Depending on what type of lending institution you go with, they may have a separate North Carolina Farm Loan department to deal with or it may be part of their small business association department.
Government Agencies - The state of North Carolina has significant government services in place to assist you. Of course, the state wants their farming industry to prosper and the appropriate agencies are in place to assist you with your North Carolina Farm Loan. Call the state capitol, Raleigh, to find out which agency you should approach about your farm.
You might also consider borrowing against your assets to create your personal North Carolina Farm Loan. If you have equity in a home, a retirement plan, a life insurance policy, or other assets these may turn out to be important funding sources for your new farm. Check with an accountant as well as a tax attorney to come up with the plan that is most advantageous to you.
North Carolina Farm Loans are available to you, especially if your credit rating is favorable. Take action today and soon you will be joining the ranks of millions of Americans who provide essential products to homes across the US as well as internationally.
Copyright 2005 -- Matthew Keegan is The Article Writer who writes on a variety of topics including: advocacy, automobiles, aviation, business, Christian themes, family, news, product reviews, travel, writing, and more. Samples from his portfolio are available right online.
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RV Warranty - Is It Worth the Money
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