Common Mistakes Motorcycle Buyers Make When Looking For a Motorcycle Loan

Whether interest rates are high or low or it’s the end of a model year with lots of incentives, motorcycle buyers tend to make the same mistakes when shopping for a motorcycle loan. Here are four common mistakes motorcycle buyers make with motorcycle loans.

Shopping for a motorcycle before shopping for a motorcycle loan.

Many motorcycle buyers enter the showroom looking for a motorcycle before they determine how much money a motorcycle lender is willing to loan to them for the purchase of a motorcycle. There is no need to shop for a $20,000 Harley Davidson motorcycle, if a lender is only willing to provide a loan amount of $10,000.

Additionally, once motorcycle buyers enter the showroom slick salespeople often pressure them into motorcycle loans with much higher internet rates than they could have gotten had they shopped for a motorcycle loan at a bank, credit union or online. Salespeople do not like motorcycle buyers to leave the dealership to get a motorcycle loan. In the salespersons mind this only increases the chance of losing a sale and commission. Therefore, salespeople frequently try for a quick sale which normally results in pushing motorcycle buyers to get motorcycle financing at the dealership.

The bottom-line is that it is always best to shop for a motorcycle loan before entering the showroom.

Diving into the unknown motorcycle loan.

Motorcycle buyers often jump into motorcycle loans that they do not completely understand or may not be the best alternative for them. For instance, in today’s age manufacturers frequently run credit card motorcycle loan promotions on their private-label credit cards. But these promotions typically offer a low interest rate for a short term like 12 or 24 months and have a much higher interest rate after the short promotional term. On a credit card promotion if motorcycle buyers can not afford to pay off the loan during the short promotion period, then they are typically better finding a lender offering an installment motorcycle loan for a longer term.

Borrowing too much.

The most common mistake the first time motorcycle buyer makes in not having a clear sense of how much motorcycle they can afford. This is especially true for young motorcycle buyers who look to buy the top sport bikes that cost up to $10,000 – $15,000. What they fail to realize is that financing a $10,000 – $15,000 motorcycle can stretch them to thin, resulting in them having little cash to enjoy themselves and the motorcycling lifestyle. They may also have too little cash to pay for insurance, maintenance, registration or new accessories for their motorcycle.

Not asking the right questions.

The first warning sign that motorcycle buyers should see is that if they do not understand the type of motorcycle loan, then they should be sure to ask a lot of questions.

Here are some good questions to ask:

o Is the interest rate fixed or variable? If fixed how long will it be fixed for?

o Are there circumstances that can make the interest rate on the motorcycle loan change in the future?

o What happens if a payment is 30 days late? Does the interest rate increase?

o What happens if a payment is 60 days late? Does the interest rate increase?

o How long is the term on the motorcycle loan?

o If the loan is an installment loan, does it use rule of 78 or simple interest? (Simple interest is always better because it does not penalize the motorcycle buyer if the loan is paid off early.)

o What is the down payment requirement to get the motorcycle loan?

o Is full coverage insurance required?

o How much is registration and are these fees included in the motorcycle loan?

o Are there any administrative fees to get the motorcycle loan and if so how much are the fees?

Overall, motorcycle buyers can avoid these common mistakes by spending a little extra time focusing on shopping for a motorcycle loan and asking lots of questions.

Finding A Car With A Long Life Expectancy

According to Consumer Reports, the average car will last 150,000 miles. If you are buying a newer model and keeping it properly maintained, it may last until 200,000. That still leaves a few car shopping expeditions in the average consumers lifetime. For many of us, car shopping fills us with dread. So we want to start with a car that is naturally inclined to last longer than average.

Honda and Toyota still lead the pack in producing the most reliable cars. But according to a 2010 issue of Consumer Reports, General Motors is stepping up its game to improve previous models and some new models, such as the Cadillac SRX, the Chevrolet Camaro and Equinox and the Buick LaCrosse V6 have a reliable rating from the beginning. Ford remains the most reliable of American made models, while Chrysler is the lowest ranked. And the car hailed by Consumer Reports as yielding the best predicted reliability was the Porsche Boxster.

Retired schoolteacher Irv Gordon drove his red 1966 Volvo P1800 for 2.5 million miles and holds the current Guinness World Record, as certified in the mid 1990s. Of course, such occurrences are extremely rare. But there are services available and steps you can take to increase the longevity of your car, most of which concern the taking proper care and maintenance per the vehicles manual.

A good start for any car owner is to read the manual. Consult it often, and don’t be afraid to take any questions to the dealership. Another simple step is to keep the car clean. Spending oodles of money isn’t necessary, but you should be sure to keep up with routine maintenance. Check fluids every few months (or as suggested by the car manual) to make sure they stay at the proper levels. These include radiator coolant and brake, windshield washer, power steering and transmission fluids. This is very important because these fluids lubricate different parts to reduce friction, heat, and the overall wearing down that can occur over time. Check your manual to see how often the oil and oil filter should be changed; the answer can differ depending on how many miles you drive.

So, if you want to buy a car that will outlast the average of 150,000 miles, start with a car that has a dependable reliability rating, such as a Honda, Acura, Subaru or Ford. If you are buying used, be sure and run a vehicle history report. You can save time searching for your car by using a car search engine such as Piefind.com. Piefind searches multiple classifies ads to bring you a list of relevant possibilities, saving you time and energy.

Flipping Cars: Tips to Estimate If the Buy Is Flip Worthy

Uneducated buyers who are Flipping Cars witness prices that simply spiral out of control in the end. To avoid the mess, you need to know what to look for before finalizing a deal at the auto auction.

Inspection and Diagnosis of Repair Costs

Flipping cars would not be a good bargain if you buy a car that requires a lot of repair. You want to put a limit to spending huge dollars on repairs. If you should know how to limit your repair costs for flipping, you should know how to diagnose problems with the prospective car.

You need expert car knowledge to make the best buy, otherwise you might have to go by the word of the seller or hire a mechanic every time you purchase a lot. Do not be afraid to walk away if the seller rushes you through the inspection.

Once you have located a car you want to bid on, read the descriptions for the car provided by the seller. You want to know about the mileage, extra features in the car, and of course the service history and warranty. You should also find out why the seller is selling the car away.

When you put your car for end sale, it should run well, smoothly, and it should feel right. If you are buying, a car that requires a bit of servicing, you should estimate if the buy is flip worthy. Ensure you read the contract and paper work carefully.

Gut instincts mostly speak right. If you think something is not right about a vehicle, just drop the idea of buying it.

Verify Insured Title Checks for

• Salvage reported for total loss due to theft or damage beyond repair

• Car refurbished with new or used parts

• Damage due to fire, flood or other mechanical damage

Verify Problem Checks for

• Frame damage that weakens the structure and look of the vehicle

• Specific part in the vehicle that has been malfunctioning or replaced several times during the warranty period

• Reported salvage without clear indication of the extent of damage

• Vehicle that has been filed for flood insurance claim

Verify Odometer Tampering for

• Probable roll back of odometer by comparing it with service reports of the past.

• Broken odometer that does not document distance driven

• Reported mileage is more than what the odometer can actually document.

Verify Past Usage of the Car for

• Collisions and unreported accidents

• Ownership, probably stolen from actual owner

• Has been used as a cab, fleet, or a police agency

Regardless of what you do, ensure that the car you buy has a market – a prospective buyer.

Some auctions do not permit pre-sale inspection or test driving, specifically in lot purchases. Post sale inspections enable buyers to back out of the sale. Reconditioning to some degree is required for almost all vehicles. It is good if you are perceptive about car repairs and diagnosis if you are in to flipping cars.

Fully Underwritten Term Life Insurance – The Process

It is recommended that you understand the process involved in getting a fully underwritten term life insurance policy prior to applying for coverage. Although the application and underwriting processes may vary to a certain extent between companies, many carriers have similar processes and timelines. Understanding these processing timelines helps to establish a reasonable expectation of the amount of time needed between the application and coverage being issued.

The application and underwriting involved in the issuance of traditional life insurance products has for the most part remained unchanged over the past 75 years. Unlike auto and home insurance, life insurance has not been commoditized in the sense that you can simply add the package that you would like to have to your online checkout, pay with a credit card online, and have instantaneous coverage.

Although there has been an increase in the percentage of applicants that choose to purchase simplified issue whole life and non-medical examination term life insurance policies over the years, a gross large percentage of the application for life insurance are that of traditional fully underwritten term life insurance policies. Unlike the simplified products that have eligibility requirements in place that ultimately provide a “yes or no” eligibility determination for the applicants, traditional fully underwritten account offer a tiered rating structure based on the underwriters review of the “case as a whole” once all necessary information has been reviewed.

The Application

After selecting the policy that you would like to apply for, the application needs to be completed and forwarded to the insurance carrier for review. Even with fully underwritten accounts, this is an area that there has been technological advanced, no allowing for the applicant to electronically sign for most carriers.

Prescription History Check

Once the application has been submitted, the insurance carrier will request to review the prescription history of the application to ensure that any medications that had recently been prescribed to the applicant correlate with information that has been submitted on the application.

Medication Information Bureau Report

The medical information bureau report is a report that the insurance carrier will order that will advise the insurance carrier of any other policies that had recently been applied for.

The Telephone Interview

Many insurance companies reserve the right to call the applicant for a direct telephone interview to review and confirm the information on the application and to clarify any questions on the application, or from the medical information bureau report or prescription history report.

Paramedic Examination

The paramedic examination, often referred to as the “paramed” exam, is the process in which the carrier contracts out to a third-party medical facility to conduct an examination of the applicant. Typically, these exams include a measurement of the height and weight, blood pressure testing, blood analysis, and urinalysis. Depending on the age of the applicant and the limit of coverage, the carrier may also request additional testing such as an echocardiogram, a treadmill test, etc.

After all testing is completed, the medical facility will forward the results directly to the insurance carrier for review. This process typically takes about a week for most consumers to get the appointment scheduled and an additional two weeks for the results to be forwarded to the insurance company.

Insurance Company Review

Once the insurance company underwriters have all information needed, they will review the “case” to make the final offer for coverage or to inquire for additional information. This review and underwriting process typically takes between one and two weeks to be completed. If the underwriters are comfortable with the information that has been received and the results of the testing, the final offer for coverage will be extended. In the event that further information is needed, the carrier could request:

  • Additional clarification statements from the insured
  • Additional standardized questionnaires to be completed (foreign travel, alcohol use, etc.)
  • An attending physician statement (this generally takes 1-4 weeks to complete)

Overview

Overall, it is important to set up realistic expectations prior to applying for coverage. Fully underwritten term life insurance is not a commodity.

When Losing Holiday Weight Saves Hundreds on Life Insurance

The standard New Year’s resolution of finally getting around to applying for life insurance combined with the extra weight that most put on coming through the holidays sets up the perfect storm for many to overpay. Packing on that extra ten pounds of holiday weight from the end of November through the first half of January can actually lead to several hundred, if not thousands, in unnecessary additional premiums.

Most of these “resolution makers” are unaware of the impact that the combination of their height and weight will have on their life insurance premiums, being that they are finally committing to take that step forward to pursuing the application of their first ever life insurance policy that they had been putting off for years. Although it is great that to finally get over the hurdle of putting this important purchase off for years, it just may be worth it to put it off for a few more weeks until the normal weight is reached.

Finding out whether or not it is the best time to move forward with a policy now or waiting to burn down that extra weight is actually pretty easy.

  • Step 1 – Move forward with getting a life insurance quote with a licensed life insurance agent. When doing so there will be a series of medical and personal questioned asked to determine the rating classification for the application.
  • Step 2 – Request that the agent provide the classification that is being quoted (preferred plus, preferred, standard plus, or standard) and if there are any other classifications that would provide a better premium.
  • Step 3 – If there are other classifications available, inquire into the maximum weight that is allowable to obtain the better rate classification and if there are any other medical or personal factors that would prohibit the better rating.
  • Step 4 – Request the monthly rate of the better rated classification.
  • Step 5 – Subtract the current available premiums from the better rated classification, multiply the difference by twelve and then again by the number of years of the policy term.

Example: 50 Year Old, Male, 30 Year Term, $500,000 in Coverage – 5′ 10″

  • Post-Holiday Weight 210 lbs. – Currently Eligible for “Preferred” at $187.91 per month
  • Regular Weight 200 lbs. – “Preferred-Plus” $155.97 per month.
  • $187.91 – $155.97 = $32 potential monthly savings
  • ($32 potential monthly savings x 12 months per year) x 30 years term = $11,520 overall savings

Overall potential savings varies significantly based upon the age of the applicant, length of the policy term, and the limit of coverage but in many cases the overall difference in the total of payments is substantial.

Finding the Very Best Insurance Rates

In order to spend less on your auto insurance, property insurance, life insurance policy or another type of insurance that is available in the industry today, there are a number of things that you can do. It is necessary to know about the do’s and dont’s for you to get cheap insurance rates from among the best providers available on the market. So, it is very important that everyone does their research well ahead of time before making an investment. In particular so, if you’re planning to get the cheapest rate possible when another policy term comes effective. Having this in mind, listed below are a few tips that you can share with other people who have the same or similar goals and objectives.

Shop Around for the very best Insurance Companies

One of the first steps in looking for the best insurance rates is searching for the most beneficial insurance providers in the industry. This action doesn’t have to be complex as there are a variety of websites that will provide the consumer with this kind of info. From reviewing websites that list the top ten insurance companies on the market to checking a number of different official sites to see what products they are offering, there is a lot of great info online that people have access to today.

Alongside reviewing internet based insurance quotes, another excellent way to find the best insurance firms is usually to network. Some of these networks may be within one’s family, on the job, social setting and among friends. There are several means now available that people might use to discover the information that they would need. For instance, when someone likes their own insurance firms, they are surely very willing to share what they have learned over time. So, they can point those who are on the lookout for good insurance coverage at an affordable rate in the right direction.

Contrast Insurance rates from Different Companies

Once it is time for an insurance plan to get renewed, the majority of folks are likely to settle for the new rates that they’re given without asking any questions. Even if the new rate could be the best rate that they may find, a lot of people do not take some time from their schedules to look for a better rate. Sadly, this is not always the most suitable practice for people that actually want to save money on their family’s budget. In truth, it is within this period that individuals have a chance to reduce their monthly expenses quite significantly. To illustrate, once the new policy renewal comes in, among the first things that every individual requires to do is begin looking around for multiple quotes. A lot of people highly recommend securing a minimum of three insurance quotes from multiple providers to compare. Before you start this process, however, it is very important for everyone to remember that these insurance quotes can only be compared accurately when the features of the insurance plan are the same. Meaning if the individual is aiming to secure a quotation for an auto insurance policy, they have to request the exact deductible amounts from each company in order that computations will be identical. If that recommendation is not followed, the best rate could be based of lesser coverage.

Go for a Lower Insurance deductible When Inquiring about Insurance Quotations

In addition to comparing quotations from multiple organizations, another wise way of managing monthly insurance payments is to choose lower deductibles. Lower deductibles will automatically lower the value that individuals are required to pay each and every month. However, before these amounts are changed significantly, it is necessary for the covered person to know that this amount comes out of the pocket first whenever a claim has to be filed. So, it is very important for individuals to take into consideration their insurance deductibles very carefully prior to signing the documents.

Inquire about Insurance Quotes Discount rates that Policy owners Qualify for

The insurance coverage rates for policy holders can vary greatly from one to another. This is because the amounts for each person can differ dependent on several types of discounts. One of these may involve buying multiple type of insurance policy from the same company. Because insurance companies are attempting to get as much business from the customers as they possibly can, such a discount may be a win win for both the client and the insurance provider. Another common discount that some people may or may not be familiar with is discounts for those who take defensive driving courses in case of automotive insurance. The reason being these programs teach their students how to make good driving decisions, as well as avoiding accidents. Each discount can help to lower the payments a bit or a lot so it’s essential for individuals ask about every type of discount offered, especially if they need to get the maximum benefits.

Conclusion

If you are thinking to invest in a fresh insurance policy for one’s vehicle, home or other items, you can acquire the ideal rates possible by looking around in advance. Even in the event the insurance policy comes up for renewal, it’s a sound practice to revisit the insurance policy rates so that you can still get the ideal deals. Furthermore it is worth noting that many professionals in the industry can offer great ways to get one of the best quotes. Several of which includes, obtaining multiples quotes from different companies, choosing lower deductibles, and asking about additional discounts.

One-Way Cargo Van Rentals

Whether you are relocating or transporting other types of cargo over a long distance (interstate for example), then choosing a company offering one way cargo van rentals might best suit your needs. This type of rental basically allows you to pick up the rental van at your current location and return it to the depot when you get to your destination. This means that you do not have to return the van to your original location saving you some unnecessary traveling. If this type of cargo van rental sounds like it is suitable then it is a good idea to ensure there is a depot to return the vehicle at your final destination. However, most quality rental companies have offices in the major towns and cities.

Getting the best price on your cargo van rental is not hard. You can use the Internet to research the different companies, which is a great way of comparing prices and features. You may even want to try and find a coupon to make your rental even more affordable. Doing these things can actually save you a considerable amount of money. When you decide to book your cargo van you can either call the company or book online. Online booking is very popular because it is easy and you get an instant response without waiting on hold!

There are some final considerations when booking your vehicle. Firstly, remember that a one way rental will be slightly more expensive because you are returning your van at another depot. Also consider the cost of any extras such as insurance, packing and loading materials. Always carefully consider the size of the van you are renting to be sure that it will be large enough. By doing these things you can be sure that your one way cargo van rental will suit your needs!

NY Wholesalers – How To Find The Best Wholesalers In New York

NY wholesalers have been known to carry the best selection and lowest prices by the retail industry.

Many retailers travel come from all over the country, and even from as far away as Australia and Africa, to visit wholesalers in New York.

The New York wholesale district has long been known as the wholesale center of the country.

You can find wholesale deals on brand name clothing, electronics, perfumes, handbags, and almost any other type of product that you can imagine.

Visiting the NY wholesale district can be an exciting experience. You will be surprised at the extensive selection and competitive prices that you will find.

But before you arrive in NY, you need to know how to find the wholesalers you are looking for.

For starters, you should first call the NY Chamber of Commerce. They can supply you with a list of wholesalers that are members of the Chamber.

Second, get hold of a New York city Yellow Book. The phone directory has a section devoted to wholesalers.

Next, visit the wholesale district. It’s located between Broadway and sixth avenue, from 20th to 29th st. Be ready to spend an entire day visiting showrooms.

Be ready to make a deal when you find a wholesaler that has the products you want. The wholesalers in NY are serious and will work with you, provided that you are just as serious and are ready to commit to making a deal.

There are also mini wholesale districts in outlying areas. For instance you can find a wholesale district in Greenpoint, which is a neighborhood in Brooklyn.

For instance, you will find a complex at 276 Greenpoint Avenue that houses over 30 different wholesalers.

You will usually find the best wholesale prices in areas immediately outside of Manhattan. Since the rents are lower, the wholesalers can afford to offer lower prices on their wholesale products.

A Greeting Card a Day Keeps the Competition Away!

According to the Guinness book of World Records the Greatest Salesman of all time

was Joe Girard. During his fifteen year selling career, he sold 13,001 cars … an amazing feat. What was his secret? Greeting Cards! Every month, every person who had ever bought a car from him got a greeting card. It didn’t matter if it was Christmas, Valentine’s Day, St. Patrick’s Day, or the person’s birthday … Joe was a card sending machine!

By sending cards Joe was able to keep his name in front of his customers to the point where it entered their subconscious. In the minds of his customers Joe had become part of the family; in fact he sent them more cards then their real family did!. When they (or somebody they knew) needed a new car the first person they thought of was Joe!

Last year my wife and I each bought a new Jeep … a Grand Cherokee for myself and a Jeep Liberty for her. After the guy sold me my Grand Cherokee I never heard from him again. It was quite a different story with the person who sold us my wife’s Jeep Liberty. If you would ask me right now who sold me the Grand Cherokee I couldn’t tell you. If you asked me who sold us the Jeep Liberty well that’s easy … It’s Martha of course!

A few months after we bought the Liberty it was my birthday … I got a birthday card in the mail from Martha. The next month was my wife’s birthday and she got a card too! Martha sent us a nice holiday card as well. Last month was the one year anniversary of us buying the car … would you believe she sent us an anniversary card? So here’s the million dollar question … Who am I going to buy my next car from? Martha of course!

A friend of mine is an attorney and he built his business by sending birthday cards to the children of his clients. He would often get a call from the parents thanking him for the card and recommending a friend or family member who needed an attorney!

Who else can use this technique? Realtors, Mortgage Brokers, Sales People, Insurance Agents, Dentists, Doctors, Chiropractors, Printers, Network Marketers, Small Business Owners, Consultants, Business Coaches etc. In fact I have a hard time thinking of anybody who can’t use Greeting cards to build their business

Power Card Sending Techniques

1 – Send Birthday Cards To Your Clients

Whenever you get a new client ask them for their Birthday and send them a birthday card. You may be the only one doing it! This will cement your image in their mind and when they need you services they will think of you instead of your competitors

2 – Send Birthday Cards To Your Clients Children

This is a Killer Technique which was first introduced to me by my friend the attorney. What do you think is going to happen when the child receives the card? Do you think he may go to his parents and ask “Mommy who is this John Smith, CPA guy who sent me a birthday card?” Out of the mouths of babes …Relationship marketing at its best!

3 – Send Cards At Unusual Times

Starting right after Thanksgiving until right before Christmas more cards are sent then any other time of the year. Companies feel obligated to send a holiday card once a year. The problem is people are getting so many cards yours will be lost in the shuffle

Now you have to Send a Holiday Card but there are other cards you can send throughout the year. Why not Send a “Happy Groundhog Day”Card? How about a “Happy First Day of Spring” Card? These cards will stand out a lot more then simply sending a once a year Christmas card

4 – Put Your Picture On The Card

Remember the purpose of sending card is to build a relationship with you client and keep your name in their mind. There’s no better way to do that then sending your picture in the card. Studies have been shown that people will not throw out a business card with a persons photo on it … well the same goes for Greeting cards

5 – Enclose A Gift

Want to really impress a client? Enclose a gift in the card! If you can find a store that your client likes send them a gift certificate for that store. If not, enclose a gift card for a popular store like Waldenbooks or Starbucks.

6 – Design A Custom Card

There are places you can go to get a custom greeting card designed with your logo, your personal photo or anything else you want. This is an incredible way of branding yourself and your business

7 – Send Unexpected Cards to “Future Clients”

Is there anybody you would like to meet but can’t get past the gate keeper? This technique works like a charm. Get their address from their website and send them a greeting card … you will be amazed with the results. I have used this technique to my advantage many times … It Works!

With the new technology it’s not necessary to spend your time in the card store. There are online card sending services where you can send “REAL” physical greeting cards from your computer. The one I use is http://www.SendCardsFast.com They have a ton of features and are very inexpensive (under $1 a card).

One time I wanted to get in touch with a well known Internet Marketer and author. I tried emailing him with no response. I went to his website got his Physical address and sent him a card. I got an email from him 3 days letter with his home phone number!

I have since repeated the process numerous times with great results. One technique that I have used is to go to their website, download their picture and upload it to the Greeting card. When they open the card they are starting at a picture of themselves. … needless to say this grabs their attention a bit!

So whether you are looking to build relationships with current customers or gain new ones … “Success is In the Cards!”

Copyright © Jack Bastide All rights Reserved

What to Look For in a Knee Scooter Or Knee Walker

So you’ve been told you will need to stay off your foot or ankle for an extended period of time. This could be due to surgery, injury or a wound. If you’ve used crutches you know how difficult they can be to use and the limitations they put on your lifestyle. Don’t be condemned to crutches. You have choices. Perhaps your healthcare provider suggested a knee scooter or a knee walker. You’ve searched the Internet and are left with even more questions.

This article will outline what a knee scooter is, features to consider with the device and services to consider with the supplier.

What is a Knee Scooter

A Knee Scooter is a wheeled cart-like device that completely unloads (takes weight off) the user’s lower limb as they bear weight on their knee. It is also commonly referred to as a knee walker.

Features to Consider:

While all knee scooters are similar in basic function there are important design features that directly impact safety, comfort and mobility.

  • Does it turn? The original model required the user to lift the front to pivot left or right. Not only did this take strength, but balance which can often be compromised due to medications (i.e. painkillers). Newer models turn like a bicycle to improve safety and ease of use. This feature is so vital that some insurance companies will not reimburse for non-steerable (non-turning) models and many suppliers no longer offer them. Beware of models that use caster like wheels similar to those found on a shopping cart (www.rolleraid.com) as these can unexpectedly move sideways (laterally away from you), causing your legs to split apart and maybe even fall.
  • How big are the wheels? The bigger the wheels, the easier it will be to move through carpet or over uneven surfaces like cracks in the sidewalks or thresholds of a doorway. Small wheels will stop abruptly when they encounter a crack or obstacle. Some insurance companies will not cover units with wheels smaller than five inches in diameter. Large or fat off road tires are available but are rarely necessary as they are intended for rough terrain or for soft sand. The ideal standard is the eight-inch wheels.
  • How stable is the unit? Safety is paramount in any unit. Stability comes from both the width of the unit and the offset of the knee platform. The higher-end models allow the knee platform to be easily offset towards your good leg. Not only does this allow more of the unit to support your injured leg, it also keeps your pushing leg from kicking the knee scooter (an annoying, painful and potential danger). Width can be judged by the separation of the front wheels, although wider is not always better. You will find units so wide they won’t fit through a doorway (Kneal) or so narrow as to be unstable (Invacare).
  • How adjustable and comfortable are the knee pads? Your needs can change as your cast or dressing is adjusted, so it is important to look for a unit with two adjustable pads. The ability to adjust the location of the pad can greatly affect your comfort. Avoid units that only offer a single fixed pad (Kneal or Wiel).
  • Does it fold down for easy storage? Most units will fold for easy storage and transportation. They can be put in the back seat of a car, a trunk or even in the first class closet on an airplane. Beware the very large units (Kneal) that are too big for most cars and any plane.
  • Do I need tools to assemble? Make sure that the knee scooter can be adjusted without tools. Amazingly enough, some models (Invacare) and especially older units require wrenches (not included) to adjust for your height and size.
  • What accessories are included? Think of what you might need: a purse, phone, book, lunch, laundry, etc. Some knee scooters offer small black bags while others provide large removable baskets. Both could be helpful to free your hands while moving, but the removable basket has proven to be more useful and versatile.

Services to Consider

Now that you know what to look for in the product, consider the supplier as both price and service can vary greatly.

  • Rent or buy – If you only need the unit a short time, renting might be an option. Rental prices range from $35 to $80 a week and $100 to $300 a month. Deposits can be very costly, up to the full purchase price of the knee scooter. Look for suppliers that don’t charge a deposit. Some suppliers will allow you to apply rental charges to the purchase should you need it longer than you first thought. Purchase price of a new unit ranges from $400 to $800. If purchasing makes sense, you might consider a used or refurbished unit. Make sure it is safe and meets all the manufacturer’s specifications.
  • Insurance – Insurance companies generically refer to knee scooters as Crutch Alternatives under HCPCs Code E0118. They may cover them for patients who must keep weight off of their healing foot or ankle AND are unable to use crutches due to balance issues, upper body limitation or other issues. While some suppliers will bill your insurance company, many will provide you with a blank Letter of Medical Necessity for your doctor to complete. This will help you in submitting for consideration of reimbursement. Even if the knee scooter is not a paid benefit, it may count towards your deductible or be able to be charged to your healthcare spending account
  • Delivery and Return – You could try to find a local supplier with knee scooters in stock. Styles, price, quality and service vary greatly. Availability is limited and you could be placed on a waiting list. Even after you find a supplier it could require three visits to their location during their business hours to order, pick up and return the unit. Some stores will deliver to your home or hospital for a fee. An increasingly attractive option is ordering online and having the knee scooter shipped directly to your home, office or hospital room. Look for suppliers that offer free shipping. Once back on both feet, units can be easily returned via UPS or USPS mail. Having your knee scooter shipped directly to you is especially convenient if you are already injured, can’t drive, live in a rural location, have a busy schedule or other limitations.
  • Satisfaction Guarantee – Make sure you can return any knee scooter you rent or buy if it doesn’t fit your needs. Be cautious of suppliers that don’t even allow you to try it outside or offer less than a three day trial period.
  • Customer Service – When using your knee scooter and you have a question or a need (which you will), who will you call? Working with an expert that specializes in crutch alternatives should ensure a better experience offering knowledgeable staff available to answer questions and share tips. You may be alone with a “big box” supplier that has everything from beds to bedpans, with business hours that don’t coincide with your needs.

In summary, look for these for an ideal recovery:

  • Price
  • 8″ wheels
  • No deposit
  • Offset knee platform
  • Free, convenient shipping
  • Two adjustable knee pads
  • Rental fees apply to purchase
  • Folds for transportation and storage
  • Satisfaction guarantee
  • No tools needed adjustment
  • Customer service
  • Large removable basket
  • Crutch Alternative Specialist
  • Returns

Recovering from surgery or injury can be a trying time and full of unexpected challenges. Choosing a knee scooter that helps you stay off your foot or ankle may help you heal more quickly, more completely and more correctly. Choosing the knee scooter that best fits your individual needs from the supplier that serves you best will allow you to maintain your active life, your lifestyle and your livelihood.