Explaining Car Bumper Repair Costs

Explaining Car Bumper Repair Costs

There is a number of factors that will determine car bumper repair costs. Understanding what is involved with the repair process will give you an idea of what your initial and final costs will be.

Type and Extent of Damage

Maybe you had a car wreck, rammed into a tree, or your vehicle was vandalized or stripped of parts, including your bumper. Whatever the case, you have to take into consideration any replacement parts as well as labor, paint and other repair materials. When you group all those necessities together, the average cost of a bumper repair can be anywhere from $900 to $1500 plus, or more. The repair process is going to totally depend on the kind and extent of damage. What those costs entail include:

Degree of Damage

The degree of damage to a bumper will govern the cost of repairs. The most common repairs usually involve small dents and scratches. If a bumper has scratches, the costs of repairs can vary from around $70 for materials for a clear coat, which can be done in your garage, or up to $1500 for a shop to improve a base coat with high-quality paints, supplies and other materials. A bumper scratch that is professionally corrected may include high labor and material costs.

Cracked Bumpers

A bumper can also be cracked, which can affect repair costs. Damage on the front or rear bumper is always more costly particularly if the front bumper is involved. In addition, pricing will go up with cosmetic and air intake repairs. A severely damaged bumper that is about to deteriorate and fall off should be replaced as it protects the front and back of a vehicle as well as and any passengers from possible injury. Safety is minimized with a faulty bumper.

Labor

Labor costs will go up with the degree of bumper damage. If the bumper is salvageable, the repairs are usually more basic and less costly. If a complete replacement is in the mix, labor costs are going to increase. Labor costs will also go up if the bumper has to be completely removed to make other repairs related to the bumper, and any underlying damage. Any kind of replacement is going to involve a thorough search for the exact match for the kind of vehicle and model you have. Labor and any materials used are naturally going to increase bumper repair and replacement, which can fall anywhere between $800 plus to 1300 plus. Other replacement costs are going to come through:

  • Any labor involved with removing an old or dilapidated bumper
  • Any labor related to a new bumper installation
  • The actual cost of the new or replacement bumper
  • Any costs connected with spraying for a true color match

Painting and Repair Costs

Both labor and materials are always going to increase costs whether it involves repairing a bumper or painting it. Paint jobs that are purely cosmetic in nature usually take a number of hours of labor, particularly if significant bumper damage is involved. If a bumper needs a coat of paint, the costs are somewhat steady and can run anywhere in the area of $150-$300.

As paint always enhances a vehicle as well as protects it, the value of a vehicle is heightened and that includes your bumper. In order to better determine the cost of painting a bumper, you have to consider the time involved with painting it, the amount of paint necessary and the cost of the paint. Painting a bumper yourself is always going to be considerably less than the labor and materials costs involved with a repair shop.

Other Related Bumper Damage

Oftentimes other associated damage is neglected when a bumper is being repaired. Much of bumper damage is linked to the lights, air intake system, headlights, taillights and other areas within the vicinity of a bumper. Damage should be inspected and scrutinized before bumper repair is initiated. Oftentimes the whole bumper has to be removed to get to other damaged vehicle parts. With bumpers, you need to remember that most of them have additional layers of trim. These trim layers will actually require serious repair in one stretch.

Replacing a bumper can be a expensive endeavor but there are ways to save on costs. If you are in need of a new bumper, need one repaired or just have general questions, complete the online contact form and a repair expert will get back to you with the answers you need to revitalize your bumper.

Does Having A Child Make Car Insurance Cheaper?

Does Having A Child Make Car Insurance Cheaper?

Having a child can make car insurance cheaper but the steps involved in making that happen concern a number of changes and policy adjustments. Savings can be realized with a family addition, but rates are no doubt going to be higher for carrying an older child or teenager as opposed to a baby or toddler. So, just what makes an insurance policy less costly when it comes to children? There are different circumstances that can have an impact on insurance costs. Here are a few particulars that will affect insurance costs when it comes to children.

Family Changes

Anytime a family member, particularly a new baby, is added to a family there are considerations to be made with car insurance. The safety of a child needs to be assured and that means assessing current insurance coverage and including coverage that benefits a child’s welfare, at an affordable family rate.

Vehicle Capacity

When you think of providing affordable insurance coverage for a new baby, you have to take a look at your vehicle’s capacity. Is it large enough to accommodate a baby car seat, a baby carrier, diaper, blanket and clothing bags as well as food and bottle bags, a stroller and any other items that are necessary to have on board.

Safer Vehicles

A large, heavy-duty vehicle is going to withstand crashes better as well as provide safety. A larger and safer vehicle, like a van or SUV, may present the possibility of a lower premium. It’s to a family’s advantage to investigate larger and newer cars that are top-rated for worthiness and overall safety.

Newer vehicles are usually safer and better able to withstand collisions, and finding the right vehicle with built-in safety features is important. Vehicles with smart airbags, an airbag on/off switch, adjustable rear shoulder belt anchors, rear shoulder belts, (LATCH) Lower Anchors and Tethers, active head restraints, automatic door locks, child safety locks, push/pull window switches, driver-operated window disabler, anti-pinch automatic windows, accident avoidance system, collision warning, transmission shift interlocks, built-in GPS and a host of other safety features that even include teen driver systems are all features that can be of help in lowering car insurance premiums while protecting precious cargo.

Lower Risk Drivers

Owning a larger, safer and newer car is a good precautionary measure, especially when it comes to transporting children. A new parent is more likely to drive in a responsible and safe manner when a baby or younger child is riding in the same vehicle. A conscientious driver is more likely to receive lower premiums as opposed to an adult who has no children and has a less than stellar driving record. In addition, married adults usually pay lower premiums for coverage than single individuals, as married couples are considered lower-risk drivers.

Lower Premium Possibilities

Though not every parent owns a home, there are those planning on a family who do own property of some kind, which probably qualifies them for a discount or lower insurance rates. Lower premiums are also available to those who have an additional policy through the same insurance company for both their car and home. Joint policies with multi-car, multi-driver discounts are another good way to secure lower rates. Any connection with driver safety and the ownership of a newer car can prompt discounts or lower premiums.

Home Ownership

Buying a home or condominium and becoming a legitimate homeowner is another way to gain a discount on car insurance. Most insurance companies offer a homeowner’s discount on car insurance policies.

Revisions

When family dynamics change, it may be time to revise and increase your liability limits. With children and additional riders in a vehicle, the thought of a possible accident could create a real challenge. With added coverage, there is supplemental insurance available to relieve the cost of all damages. When coverage is limited, any other damages that exceed the limits of the policy will be the personal responsibility of the policyholder.

Deductibles

In addition to liability limits, you may want to look over your deductibles. When family size increases and finances and budgets change, premiums can be affected. As premiums for car insurance can fluctuate with deductibles, there are ways to budget them. You can either lower your deductibles, which will increase monthly insurance payments, or raise deductibles to keep your rates lower. It is advisable and makes sense financially to pay slightly more on a premium particularly if you have to make a claim. Out of pocket expenses will be lower if a claim does occur.

Discounts for Older Children

There are discounts that parents can qualify for in relation to their teen drivers. Professional driving schools, defensive driving courses, electronically monitored driving, good student discounts, and other incentives are available to parents who want to lower their insurance costs and keep their teen driver safe.

Whether you have younger or older children, there are approaches that can be of help in lowering your car insurance rates. It’s important to explore the best providers and their policies. You want to find a policy that will support a growing family and the changes that come with new family additions. If you need further assistance with finding that policy, complete the online contact form and a specialist will get back to you with the information you need to make an informed decision concerning your car insurance needs.