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Q: What is a Car?

December 17, 2013 12:53 PM

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A car is a means of transportation that helps you simplify your life, whether you're out running errands with your family, heading to a movie or meeting, or just seeking a joyride in the country. Typically, a car is a 4-wheeled vehicle with an engine. Cars are often separated from trucks, vans and SUVs by a number of factors.

Cars are most commonly fully enclosed, though convertibles and removable-top cars are not uncommon. Most modern cars have four wheels and seating for two to five passengers. Trucks typically have bench seating and are easily identified by their beds. Beds are long, flat storage areas found behind a truck's seating area, which is also known as the cab. Vans are essentially a box on wheels. Minivans carry people and some cargo, while cargo vans fill many of the same roles as trucks, with their rear seating removed for additional storage space. SUVs resemble trucks with covered beds that serve to carry people and cargo like a minivan.

To legally drive a car, you have to purchase car insurance. Insurance can help cover you and your passengers in case of injury. It also helps cover any property damage or injuries sustained by other parties in an accident. Types of coverage and limits vary by policy and state, but all states require that drivers hold at least basic liability coverage. Additional coverage for your vehicle might help indemnify you against damage from uninsured motorists or fallen tree branches. There are many different private insurance companies, and they focus on helping you get the coverage you need for the type of driving you engage in regularly.

Many car buyers turn to banks for financing options. A car loan can help ensure that you get the vehicle that best suits your needs and lifestyle. Financing options can vary dramatically based on the type of car you wish to buy and your credit. People with good credit typically have more lenders to choose from and lower interest rates, but there are many lenders who focus on helping purchasers rebuild credit.

Choosing a car is a major decision. The typical American Dream includes a car and a house for good reason. These two items represent your home and your home away from home, because you are likely to spend much of your time in your car. A great car-buying decision leaves you with the feeling that you have added another member to your family. Many cars are as beloved as family pets, and car owners who have the perfect fit for their needs are likely to understand this sentiment better than most.

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