How To Buy A Used Diesel Truck (Buyer’s Guide): Tips & Tricks! @ Video

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How To Buy A Used Diesel Truck (Buyer’s Guide): Tips & Tricks


How To Buy A Used Diesel Truck (Buyer's Guide): Tips & Tricks, NEF2.COM

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How to Lower Car Insurance Premiums: Farmers Insurance, how to get lower car insurance.

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Lower Car Insurance Premiums

5 ways to save on Car insurance

5 Ways to Reduce Your Auto Insurance Premiums

Drive safely and drive less

Generally, the longer you drive without major citations or accidents, the lower your premium will be. In addition, the more time you spend driving and the farther the distances, the higher the likelihood that you may end up in an accident regardless of how safe a driver you are. Consider car-pooling, taking public transportation or riding your bike. If you are a safe driver, Farmers offers a safe driver discount to reward your good driving habits.

Research before you buy

Before you commit to buying a new car, be sure to do your research. Some makes and models of cars, particularly those with excellent safety, theft loss or accident records, can be less expensive to insure.

If you’re considering several models and can’t decide, your Farmers insurance agent can help you make an informed decision. Your agent can provide some coverage price comparisons for the models you’re interested in. A higher — or lower — insurance coverage premium may make the decision for you.

View the latest top vehicle safety picks and best insurance values, 1 and see if your car made the list!

Purchase multiple Farmers policies

You will save if you purchase multiple policies with Farmers: insure additional cars, a motorcycle, boat, RV or your home and you can save on all of your insurance premiums. Add a Life insurance policy and save even more.

Ask about additional discounts

Ask your Farmers agent about the discounts available in your state. Some common discounts include Safe Driver, Good Student, Multiple Vehicles, Multiple Policies, EFT and Paid in Full.

Choose a higher deductible

A deductible is the amount of a covered loss you agree to pay before the benefits of your policy are applied. In many cases, a higher deductible could mean a lower monthly premium, but would also mean paying more out-of-pocket in the event of a loss.

Stay in the know

For further information, contact your Farmers agent.

В№ Source: Insurance Institute for Highway Safety How to get lower car insurance, Top Safety Picks 2014 How to get lower car insurance. The Institute rates vehicles good, acceptable, marginal, or poor based on performance in high-speed front and side crash tests plus evaluations of seat/head restraints for protection against neck injuries in rear impacts.

This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.




How Much Does Full Coverage Car Insurance Cost, how much does car insurance cost.

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How Much Does Full Coverage Car Insurance Cost?

Because the cost of car insurance can vary dramatically from driver to driver, the best way to find out how much full coverage costs in your area is to enter your zip code in our QuoteScout™ search engine. It s completely free to use and will quickly help you find accurate auto insurance rates for your area and unique driving situation.

How to Find the Best Price

Your key to finding the best full coverage policy is not to adapt your budget to the market, but to adapt the market to your budget. There are plenty of insurance offers to choose from. It s just a matter of finding the right policy and price for you.

Generally speaking, the more diligent you are at gathering quotes, the better chance you will have to find the lowest price available. The best strategy is to not only gather online quotes, but to also speak directly with an agent to see if they can offer you an even lower monthly rate for the same level of coverage call toll free 1 (866) 443-5206

Deciding Your Level of Coverage

How much does car insurance cost

As you request quotes, you will select the services you think you need and the ones you think can do without. It goes without saying that each extra added service will raise your monthly premiums. However, not all of them cost the same, so you will always need to customize your policy. The goal is to design an insurance policy that works best for you in your specific situation, both in terms of the amount of coverage you have and affordability.

Average Cost for Full Coverage Car Insurance?

According to the Insurance Information Institute, the USA average for a full coverage policy is $70.10 per month*. However, how much a full coverage policy will cost you will most likely vary quite a bit above or below the average depending on many factors.

The driver always plays an important role in establishing the price of a policy. Insurance companies will always try to determine how much of a risk you are, i.e. how likely you are to be involved in an accident where they would have to pay. They will look closely at your driving history. DUIs, speeding tickets and previous accidents are sure to increase your premium significantly. Other factors such as your age, gender, experience, the make of your car and where you live also play a role based on statistics of drivers that fit your description.

These additional variables mean that you and a friend can go to the same company and buy the same full coverage auto insurance policy with the same services on it and your premiums will be different. This makes it difficult to establish the true price of a policy without getting a full quote.

In order to find the company offering the best deal, the important thing is to get as many quotes as possible for the same level of coverage.

Luckily getting online quotes is not a hard thing to do. Just enter your basic information in our QuoteScout™ search engine to get started.

*based on 2013 statistics

  • How much does car insurance cost



Cost of a Basement – Estimates and Prices Paid

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Basement Cost

A basement can add additional storage, workshop or living space to a house, especially where it isn’t possible to expand out or up. Although traditionally residents of tornado-prone areas have been told to take shelter in a basement if a storm shelter is not available, a basement does not necessarily function as a good tornado shelter unless the basement has been designed and reinforced for that purpose.

  • Including a basement as part of new house construction can increase the cost of the house by $10-$25 or more a square foot for an unfinished basement, or about $10,000-$50,000 or more for an average house; and $30-$100 or more a square foot for a finished basement. or about $35,000-$175,000 or more for an average house; with costs depending on location, soil conditions, the size and shape of the basement area (unique shapes with more than four corners cost more), the materials/finishes used and additional features like a bathroom or laundry hook-ups.
  • Adding a basement to an existing house can cost $30,000-$70,000 or more, depending on the size of the existing crawlspace or half-basement or if the house is on a slab foundation, and how much of the work is do-it-yourself and how much is done by contractors. Many experts (like Bob Vila [1 ] ) estimate that it is less expensive and less risky to build an above-grade addition or an addition with a basement, next to the existing structure. However, house-moving companies like Klier Structural Movers [2 ] in Ohio assert that adding a basement to an existing house is a cost-effective addition.
  • A basement alone does not guarantee safety during a tornado. Building a structurally-reinforced safe room area inside a basement (whichit can double as a closet, bathroom or utility room) can add $6,660-$14,300 or more to the total cost, depending on size (the number of people expected to take shelter within it), materials used and location within the basement. Having a prefabricated safe room (a welded steel box, a steel skeleton with steel planks or a prefabricated unit that is bolted together on site) installed in a basement can cost $3,000-$20,000 or more, depending on materials and size.

Related articles: Basement Remodeling. Basement Waterproofing. Flooded Basement. Repairing and Sealing a Basement. Storm Shelter. Home Addition

What should be included:

  • Constructing an unfinished basement typically includes excavation. footings, walls, a concrete slab floor, utilities, waterproofing, drain tile, back fill and cleanup. A finished basement typically includes all of that plus flooring, walls, ceilings, drywall, windows, and additional waterproofing and more in order to provide the desired living space. Overall, a basement adds about 3-4 weeks to the new-house construction schedule. A video [3 ] illustrates the excavation process.
  • In some areas a basement is not feasible because of a high water table or unusual soil conditions (particularly in coastal or marshy areas, or in many parts of Texas, Oklahoma and Arkansas); the cost of excavating through solid rock; or because there is frequent earthquake activity.
  • In colder parts of the country, a home’s foundation must be below the frost line, which can require digging down several feet (typically about 2.5′-5′, depending on location). In those areas, adding a basement during new house construction may require only a few more feet of digging to create a usable basement area. In warmer climates where the foundation does not have to be as deep (typically 18″-20″ for a crawlspace or a few inches for a slab foundation), including a basement adds more to the total cost of the house because it requires a lot more additional excavation, far beyond what would be done without a basement.
  • Adding a basement to an existing house requires: building permits and engineering plans; raising and supporting the house; excavating the basement space (and hauling away the dirt); re-grading and creating new drainage; and pouring concrete footers, floors and walls. A video [4 ] illustrates the process using a skid loader.

Shopping for a basement:

  • For new home construction. work with the architect to include a basement in the house design and blueprints.
  • For a remodeling project that includes adding a basement (either under the existing home or as part of an addition being built), the National Association of the Remodeling Industry offers tips for choosing a contractor [5 ]. as well as a searchable database [6 ] of its members.
  • If possible, get several estimates. Request and check references from previous customers. Verify that the company is properly insured, bonded and licensed [7 ] ; search for any complaints with the Better Business Bureau [8 ]. Request a written contract or agreement that specifies the work to be done and the rates to be charged.

Analytical Skills Example: What are Analytical Skills and How to Improve Them

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How would one define analytical skills?

What are analytical skills and why are they so important? Analytical skills are the ability to visualize, gather information, articulate, analyze, solve complex problems, and make decisions Analytical skills are essential in the workplace to ensure necessary problem solving occurs to keep productivity and other areas of the workforce functioning smoothly.

Testing Analytical Skills
If you were to test for analytical skills you might be asked to take a series of events and put them in proper sequence, look for advertisement inconsistencies, or read an essay with a critical eye.
There are generally standardized tests used as a guideline. In all instances analytical skills require you to dissect a problem and then find a solution for that problem. There are many skills required within a company and its workforce, but analytical skills are essential in every organization.

Examples of Good Analytical Skills

Let’s have a look at some way examples of analytical skills and how they might apply in a work environment. There are many examples of analytical skills. A few examples include:

  • Analyzing abilities: The ability to take a large volumes of data and then analyze trends and produce a result
  • Dealing with problems: Give examples of problem solving at work
  • Programming: Write a systems program with accurate results output
  • Reporting: A written report on the effectiveness of a particular event such as a political campaign
  • Handling assignments effectively: Discovering a more efficient and productive way to complete a particular job task.
  • Process: Creating a set of steps to implement a process that could have a yes or no outcome.
  • Problem handler: Identifying a problem and then creating a repair to avoid it becoming a major problem.
  • Collect information. analyze the data from the information collected, and come up with a solution to a problem.

Interview Questions to Determine Your Analytical Skills

The following are some job interview questions to probe these skills of a candidate.

  1. What would be the steps you would follow to study a problem and then make a final judgment on?
  2. Talk to me about a time when you discovered a more efficient method to carry out a particular work related task.
  3. Can you give me an example of a smaller problem that you identified and fixed before it could turn into a major problem?
  4. Describe a task that you undertook that tested your analytical abilities.
  5. Do you recall a problem you analyzed that required a quick and easy solution?
  6. Can you recall a situation where your analytical outcome was incorrect and if you could do it again what would you handle differently?
  7. What is the most complex analytical assignment you have undertaken to date?

Having Strong Analytical Skills Improving Analytical Skills

If you want to improve and develop your analytical skills you simply have to practice, after all practice makes perfect.
Take time to do a variety of different analytical questions.

Where can you develop your skills?

  • Online practice: There are plenty of sites online that offer free challenges and of course you can also invest in a number of books that improve analytical skills.
  • Professional development at workplaces: Many workplaces also offer seminars and other training to help improve analytical skills. Be sure to sign up. This is a skill that will benefit you throughout your career.

“Analyze your life your love your future with your improved analytical skills.”


How Much Does Rehab Cost

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How Much Does Rehab Cost

How Much Does Rehab Cost?

As you’ve probably guessed, the answer is complicated. Rehab costs are determined by location, types of programs offered, amenities and more. But don’t be lulled into paying too much for drug rehab because you think you need to have 5 star hotel quality accommodations.Just because the treatment center is on the beach in Malibu – doesn’t mean you’re getting the best care. You need to pay for the best treatment, not the best view. Just like you would want to pick the best doctors to treat your cancer, you need to apply the same to drug rehab.In addition, many rehabs use the 30 day treatment model that often comes with lower success rates. Lower success rates mean patients relapse and have a need to return to treatment – which now raises the overall cost significantly. Monthly rehab costs can range from 15k a month to 45k depending on the location, types of treatments are offered, and more. If we drop the monthly cost to 10k, assume that the patient will experience relapse after participating in a 30 day program and need to repeat treatment at least 5x, the total cost is $50,000.

The good news is, recovery treatment for drug and alcohol addiction doesn’t have to be that costly and there are treatments that have a higher success rate, which means relapse may not happen.

Call and get the facts about rehab costs: 1-888-614-2251

At Addiction Campuses we offer proven longer treatment cycles that significantly lower relapse, bringing the overall cost of treatment down. Additionally, our treatment plans are specifically tailored to the individual in need which makes our monthly tuition rates some of the most affordable out there.

Our Campus Treatment Plans:

  • Are covered by most insurance policies
  • Have affordable self-pay (no insurance) rates
  • Use payment plans
  • Have drug rehab loans that can be secured at reasonable rates

Learn more about insurance and payment options available from Addiction Campuses.

When you call, our admissions center will have caring professionals who will conduct assessments to determine what program is right for you, or your loved one or your patient/client/employee.

When You Call Be Prepared To Give Information On:

  • Location and personal information
  • Addiction history
  • Mental health issues
  • Insurance coverage (if covered)

This confidential information is critical for our treatment specialists to design a payment plan and treatment program that will fit your needs.

Kinds Of Addiction Treatment Plans

Studies have shown that merely attending a 30 day rehab program is not enough to treat addiction for the long term. It’s important that you understand what types of addiction treatment programs are out there so that you can be sure you’re going to the right one. It is imperative that you attend a program that utilizes all four levels of treatment. While you may not need to be admitted into the more intensive parts of treatment, a center that offers a comprehensive program is one that shows a commitment to your health and well-being and a dedication to your positive outcome.

Levels Of Treatment Include:

  • Medical Detoxification
    Medical Detox is the first step in the recovery process during which the body is cleansed of the toxins leftover by drug abuse. The product of a successful medical detox is that the person, in a more comfortable way, no longer has any medical risks caused by no longer taking the drug or drinking alcohol. This patient is ready to move on to residential treatment.
  • Residential / Inpatient Treatment
    Individuals on the path to recovery must be given the appropriate time, space, and tools needed to focus on themselves and their health. Inpatient care is a highly effective form of addiction treatment because it offers clients a safe, structured, and sober environment, away from everyday distractions and temptations.
  • Outpatient Treatment
    Outpatient care is an extension of an already successful inpatient treatment program. Patients return to their own environments after drug or alcohol treatment, and must voluntarily abstain from drug or alcohol use, which requires a greater amount of diligence and means a higher chance of relapse. Clients are provided with a strong support network of non-using peers and sponsors that provide a new, positive element of social change in an addict’s life and facilitates long-term recovery.
  • Transitional / Sober Living
    After rehab care is an important part of why a patient stays off drugs and alcohol. Transitional living offers patients the chance to practice new life skills in a sober environment. They are monitored by staff and still have random drug testing. Clients also gain privileges back like cell phones, cars and are also required to have a job. This experience is vital to a patient who can experience stress, practices his/her new way of life and can be successful without returning to drugs and alcohol.

When Evaluating Treatment Providers, Look Out For:

  • Unwillingness to work with your financial situation
    Beware of the admissions center who is unwilling to work with your financial situation. A good call center will always be able to point you in the right direction for treatment, no matter what your financial situation is.
  • Reasonable pricing, not just free services
    Free services can mean treatment isn’t a priority. There should be a reasonable cost for an important decision like going to rehab. Don’t just go for a free service because it’s free. Go to the right program for you.
  • Work in exchange for room and board
    It’s important to work. But you need to work on yourself most importantly during treatment. Be careful about programs that require you to work for the organization in exchange for room and board.
  • Certified leadership and counselors
    Be sure that counselors are certified. There are centers who pass off their former patients as counselors. Find out who the leaders are at the organization. What kind of certifications or training do they have in addiction or teaching life skills?

Just Remember… 117 People Die Each Day From Drug Addiction.

You owe it to yourself or your loved one to make the call. Paying for a sound rehab treatment program is not complicated nor does it have to break the bank.

The positive results from attending a good rehab program will be worth the effort in the long run. An individual struggling with addiction cannot begin the recovery process without first obtaining the help they need to overcome addiction.

Invest in the future of yourself or your loved one. We re here to provide straight answers about understanding the costs of rehab and the many payment options available .

24 / 7 Benzo Addiction Support Hotline: 1-888-614-2251

One year ago, my son took a huge step in the right direction as I dropped him off at Addiction Campuses of Tennessee, Spring 2 Life Campus. That decision will change his life and impact our family forever. We are eternally grateful to Addiction Campuses of Tennessee for helping turn our son around and get him started in a new life! We love our new family at ACTN

—- Connie White, Mother of an ACTN Spring 2 Life Campus graduate


Progressive: Ranked One Of The Best Insurance Companies, how to get car insurance quotes. #How #to #get #car #insurance #quotes


Get insurance for almost anything you need

The #1 Insurance Site

Copyright 1995 – 2018. Progressive Casualty Insurance Company . All Rights Reserved.

We offer insurance by phone, online and through independent agents. Prices vary based on how you buy.

*National average annual car insurance savings by new customers surveyed who saved with Progressive in 2016.

Progressive Home Advantage policies are placed through Progressive Specialty Insurance Agency, Inc. with affiliated and third-party insurers who are solely responsible for claims, and pay PSIA commission for policies sold. Prices, coverages, privacy policies, and PSIA’s commission vary among these insurers. How you buy (phone, online, mobile, or independent agent/broker) determines which insurers are available to you. A quote from one of the insurers can be provided through this site. Click here for a quote from other insurers or here for more information about PSIA s commission. Discounts not available in all states and situations.

Discount varies and is not available in all states or situations

Annual premium for a basic liability policy excludes travel trailer and is not available in all states. No. 1 specialty RV insurer from 2016 Millward-Brown national survey data. RV insurance not available in DC or HI, and Travel Trailer insurance not available in MA.

A leader in boat insurance from 2016 Millward-Brown national survey data.

No. 1 commercial auto insurer from SNL Financial’s 2015 national written premium data.

Savings based on 2015 consumer data collected by Hagerty on single car policies, with premiums $5000 and under, from several daily driver (“Everyday”) auto insurance carriers.

Learn more about comparison rates, which are available through Progressive Direct in most states and situations. Rate comparisons provided here are based on our Progressive Direct auto insurance price and product, and do not include prices and products available from Progressive agents.

Name Your Price is available in most states for new policies. Price and coverage match limited by state law. Amounts entered outside of our range of coverage prices will be shown the closest available coverage package.


Compare Cheap Car Insurance Quotes, how to get car insurance quotes. #How #to #get #car #insurance #quotes


Car Insurance

Save up to £273 on your car insurance*

*51% of customers could save up to £273.83 Consumer Intelligence, November 2017

How to get car insurance quotes

Insure your car with Admiral and get £30 cashback

If you take out car insurance with Admiral through MoneySuperMarket between 14 January and 4 February 2018, you’ll be eligible to receive £30 cashback.

The offer will be paid on new policies only and is not available on renewals if you already have car insurance with Admiral Group, which includes the Diamond, Elephant and Bell brands.

You have to hold the policy for a minimum 14 days, and the cashback will be sent to you within 90 days of your policy’s start date. For more information and full T Cs click here

COMPARE CAR INSURANCE

How to get a car insurance quote

To get an accurate quote you will need to provide certain details about your car, including:

  • Registration number
  • Make and model
  • Age and value
  • Any modifications made

This information allows us to understand which insurance group your car belongs to, in order to complete the insurance quote. You can find out which group your car belongs to using this tool.

Information about you

You will also need to include information about your job, age, and where you live, along with details of your driving history (including any convictions and claims).

Named drivers

The names and licence details of anyone who will be driving your car need to be provided.

No Claims Discount (NCD) history

Details of your no claims discount will help lower the price you are quoted. You can find out here how many years’ no claims discount your insurer will honour.

How to get car insurance quotes

How to get car insurance quotes

How to reduce the cost of car insurance

MoneySuperMarket data shows the average quoted premium for an annual fully comprehensive car insurance policy is £579 (September 2017), up 7.5% on the previous year. This increase in premiums makes it more important than ever to compare the best car insurance prices.

Here are our top tips on how to reduce your premiums:

Don’t auto-renew: UK motorists lose around £2.37bn by rolling over their policies with the same insurer every year.

Compare quotes: Market research company, Consumer Intelligence, found that 51% of customers who search for car insurance through us could save up to £273 on their annual premium*.

Increase your excess: Insurers are likely to reduce the cost of cover if you increase your excess. Just make sure your excess is affordable. Read our voluntary excess guide.

Build a no claims discount: Most insurers reward drivers for claims-free driving.

*51% of customers could save up to £273.83 Consumer Intelligence, November 2017

What do our customers think of us?

Customer satisfaction rating

**Based on 5500 reviews in the last 12 months – Read all reviews

What types of car insurance policy are available?

Third party provides the lowest level of car insurance cover. It insures you against damage to another person’s car or injury to them, however it doesn’t cover your car should it need to be repaired or replaced.

Third Party Fire and Theft

With third party, fire and theft you have additional cover to repair or replace your car if it’s stolen, damaged or destroyed by fire.

Comprehensive Cover

Fully comprehensive car insurance offers complete cover for your car and other drivers. This includes third party and third party fire theft, vandalism damage, accidental damage, repairs, and loss of gadgets such as sat nav systems.

Our dedicated guides will help you work out which type of cover is right for you and your motor.

How can we help you save on your car insurance?

It’s our job to find you the best car insurance deal from a wide range of leading UK insurance companies. When you enter your details on our site, we send them to over 120 car insurance brands so they can compete for your business.

We rank the quotes they offer in price order so you can make your selection.

“I got a very good quote for car insurance from MoneySuperMarket.”

“Saved over £300 on my car insurance renewal quote.”

“MoneySuperMarket quickly helped in finding me a much cheaper car insurance – Thank you.”

“Managed to reduce my motor insurance costs by more than fifty per cent with MoneySuperMarket. Very pleased!”

CAR INSURANCE GUIDES

Classic car insurance

Compare classic car insurance quotes online

Student car insurance

Study our student car insurance service

New driver insurance

Get a good deal on your first car insurance policy

European car insurance

Find a policy that covers driving on the continent

Teenage driver cover

Get a good price on teenage car insurance policies

Car insurance guide

MoneySuperMarket s definitive car insurance guide

Multi-car

A single insurance policy to cover several cars

Temporary car insurance

Get covered for periods shorter than 12 months

Car insurance check

Find out if your current motor insurance policy is valid

Third party only

Compare cheap third party insurance quotes

Young driver insurance

Fight back against expensive young drivers insurance

Business car insurance

Get a specialist Business car insurance policy

Car insurance groups

Find out why the type of car you choose affects the cost of car insurance

Learner driver insurance

Will you need to pay for learner driver insurance on top of tuition fees

Fully comprehensive cover

Find out why the most complete level of cover isn t always the most expensive option.

Excess insurance

Insuring against high excess costs could save you money if you ever have to claim.

Gap insurance

If you re buying a new car, it s well worth considering gap insurance.

Named driver insurance

How adding a named driver can lower the cost of car insurance.

MOTORING NEWS

Fancy a driverless car

Are we ready for the motoring revolution

What is car insurance fraud

And could you be at risk

YOU YOUR CAR

Taking care of your tyres

Tips to ensure your tyres are up to scratch

Beat car depreciation

Selling your car Here s how to get the best price

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Unlike some of our competitors, MoneySuperMarket is not owned by an insurance company. So we can offer great value, with savings delivered straight to you.

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We aim to show you car insurance quotes from as many insurance companies as possible, so that you can find the right policy for you. Unfortunately, we can’t promise to show quotes from every insurance provider, because not all companies want to be included on comparison websites. We won’t offer you advice or make a recommendation, but we will provide you with all the information you need to help you decide which is the right policy for you. You can find out more about how we work here.

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Car insurance premiums vary based on many factors: what kind of car you drive, what kind of risk you have, what kind of coverage you desire, and where you live.

  • Low Cost Car Insurance: If your vehicle is old and you decline comprehensive insurance, you can get a low-rate liability-only insurance. The California Insurance Commissioner’s survey shows that a 25-year old single male in Northridge with 0 points averages $522 a year from Mercury Auto Insurance and that a 32 year old couple in San Mateo with 0 points average $520 a year from Metropolitan Direct.
  • Premium insurance plans with comprehensive coverage generally run over $1,000-$4,000, depending on your risk factors (such as any driving points, your age and marital status, any tickets). According to the New York Insurance Department, a representative premium for a single 20 year old male in Manhatten with comprehensive and collision insurance with a $200 deductible is $3,733 a year.
  • If your state aggregates statistical data for insurance premiums, the best way to compare rates from many different carriers is to use your state’s Automobile Premium Comparison or Auto Insurance Consumer Guide. CA [1] , FL, NY, TX, National Directory of State Insurance Departments [2] .

Related articles: New Car, Used Car, Health Insurance, Homeowner’s Insurance

  • Tip: Be sure to shop around and compare prices. Premiums can vary a great deal (as much as 50%) for the same car and coverage.
  • Tip: Be sure your carrier is aware of any reasons for a discounted rate, such as membership to organizations, age older than 25, marital status, or taking a defensive driving class.

Shopping for car insurance:

  • Insweb [3] is the largest online car insurance broker that lets you compare premiums from multiple carriers before deciding.
  • Geico [4] is a well-known discount car insurance company, and you can get quotes online.
  • You state’s Department of Insurance may also have a list of carriers in your state. CA, FL, NY, TX [5] , National Directory of State Insurance Departments [6] .

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Car Insurance Money-Saving Tips

By Rachel Wait on Tuesday 16 May 2017

How to get low car insurance

With daily car journeys a necessity for many families, it’s likely there are few of us who could seriously consider life without our own motor. But when your car insurance renewal quote arrives on your doormat, you could be forgiven for thinking again… Perhaps even for hunting out your local bus timetable.

Auto insurance can be a major cost for motorists who already face high fuel prices, paying for regular MOTs and services and of course covering the cost of the vehicle they drive each day.

If you’re looking to find cheaper cover, try these tips for lowering your car insurance costs.

1. Compare car insurance online

Shopping around for auto insurance is often a simple but effective way to reduce the price you pay for cover. Insurance companies rarely offer their very best deals to existing customers, instead reserving their cheapest possible prices for new customers. Compare cheap car insurance quotes to see how much you can save by switching insurers. Just remember to make sure you are comparing like for like cover, with voluntary excesses set at the same level and including any extras that you’d usually add on.

2. Increase your excess

Opting for a higher voluntary excess when setting up your car insurance cover is another way to reduce your premium. As a general rule of thumb, the higher your excess, the lower your premium – so experiment using our car insurance comparison tool to see how much difference an increased excess could make to your annual auto insurance costs. Remember, though, that you must be able to afford your voluntary excess. If you need to make an insurance claim, you’ll be required to stump it up before your insurer will pay out.

3. Go no-frills

Think carefully before adding extras, such as legal expenses cover, windscreen cover or use of a courtesy car to your car insurance package. While insurance companies are often enthusiastic about their value and they might come in handy, they are not strictly necessary – and including too many add-ons could significantly bump up the price of your policy.

4. Think about the distance you drive

Before buying car insurance, think carefully about how far you really drive in your vehicle each year. If it’s possible for you to agree to a lower annual mileage cap than you did last time you bought insurance, it’s possible you’ll save money. This is an especially helpful tip for two car families, where one vehicle is likely to do more miles in a year than the other – but where this sometimes isn’t obvious until both cars’ odometers are checked.

5. Don’t pay by direct debit

While spreading the cost of your auto insurance might feel less painful than paying for your premium in one go, it will probably cost you more in the long run. Many insurance companies charge interest when customers opt to pay for their insurance monthly, so check before you sign on the dotted line. If your insurer’s policy is to charge interest but you would like to spread the cost of your cover for free, you could consider using a 0% purchase credit card to pay for it – just be sure to clear your balance in full before the 0% period ends.

6. Other ways to cut the cost of motoring

Pump prices might have fallen, but it still costs well north of £50 for a tankful of petrol or diesel in a typical family car.

You can reduce consumption in a number of ways. For example, if your tyres are under-inflated, you’ll use more fuel, especially on lengthy journeys.

Manufacturers recommend checking and correcting the pressure every couple of weeks. If that sounds unrealistic, aim for at least once a month, and always before you go on a long trip.

A quick win on fuel consumption is to remove excess weight. So take a look in the boot and footwells to see if you’re carrying around burdens that are burning a hole in your wallet.

You can also save fuel by driving more smoothly – don’t accelerate or brake harshly, and don’t linger in a low gear longer than is necessary. And if you’re going to be stationary for any length of time – waiting at the school gates, maybe – turn of your engine rather than let it idle.

Fuel costs also vary between forecourts, so it can make sense to shop around to find the lowest priced fuel.

But driving further for cheaper fuel means you could end up spending more to get there than you save at the pump.

Our handy Fuel Cost Calculator will help you work out if your search for cheaper fuel is actually costing you more.

7. Consider car-share

A more radical way to save money is to car-share – either as a permanent arrangement with someone whose schedule fits nicely with yours, or on specific journeys, such as the commute to work or the school run.

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Protecting your home and loved ones is crucial. That’s why Nationwide offers homeowners insurance coverage you can depend on. From dwelling coverage to flood insurance, we provide homeowners insurance policies to suit your needs and budget. In the event of theft, natural disasters and other types of covered damage, Nationwide will be there.

Nationwide makes getting a home insurance quote easy. Simply click get a homeowners insurance quote above, call us at 1-877-669-6877 or contact a Nationwide agent in your area to get started.

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    If you’ve come here looking for a used or certified pre-owned car, truck, SUV, crossover, hatchback, hybrid or convertible, then you’re in the right place. Edmunds has everything you need to know about buying or selling a used vehicle, including Carfax vehicle history reports, dealership listings and pricing information, expert car reviews, consumer car reviews, car dealership reviews, car price comparisons, car appraisal calculators, images and videos, technical features and specs, user forums and more.

    At Edmunds, you’ll be able to browse thousands of used cars, trucks and SUVs for sale with special offers, appraise your current car, and research the car, SUV or truck of your dreams. You can limit your search to certified pre-owned (or CPO) vehicles for sale and be a click away from articles by our experts that will give you the best car shopping and buying tips and advice. Let’s take a closer look at each of these aids to easier used-car shopping.

    The INVENTORY tab at the top of the page allows you to browse used cars for sale from popular makes such as Ford, Honda, Toyota, Chevrolet, Hyundai, Infiniti, Acura and Subaru. The inventory tool allows you to cast a much wider net than simply visiting your local dealership’s website. Start with the make and model of the vehicle that you’re interested in. You’ll have the option to refine your search by price, distance, model year and mileage. If you’re looking for specific options or features, a certain trim level or a specific color, there are more advanced search filters available, including engine type, fuel type, drivetrain, powertrain, airbags, air-conditioning and much more. After you find the car, SUV, truck or hybrid that you’re interested in, select the listing to check out the VIN details page for that vehicle and get more information. There you’ll find a description of the vehicle from the dealer, vehicle features and options, contact information for that dealership, dealer reviews, a ballpark insurance estimate, and a link to see a Carfax vehicle history report.

    The APPRAISE tab at the top of the page lets you enter your car’s basic information, odometer reading, trim level, and overall condition. Then Edmunds provides you with the True Market Value (TMV) for your used car or vehicle. Edmunds’s True Market Value or used car value is is a great starting point for negotiation of a used-car sale between a private buyer and seller. This is an “as is” value that does not include any warranties. The final sales price depends on the car’s actual condition and local market factors. You can use this used car value estimate to price your car for sale or to negotiate a trade-in for a new, CPO, or previously owned car for sale from a local dealer. The used car value estimate is also useful for assessing retail pricing at a car dealer. You can try it out by clicking the “APPRAISE” tab, above. Once you enter your vehicle details, you will receive three estimates for your used car’s value: “Trade-in” is what you can expect a dealer to offer you for your used car; “Private Party” is what you might expect to earn if you sold the pre-owned vehicle yourself; and “Dealer Retail” is what you might expect to pay if you were buying this used model used at a dealership. If the vehicle is new enough, you’ll also see a price that says “Certified Used Price.” This price estimates what the dealership might sell it for as a certified pre-owned vehicle.

    The RESEARCH tab points you to our expert analysis of the make and model of the car you select. You can read our editors’ reviews and learn about each generation of the vehicle you’re interested in. From there, you can narrow the focus of your car buying research by selecting a particular model year and learning more by checking out photos of the cars, researching local dealership listings, car valuation, consumer reviews, editors’ reviews, pros & cons, features & specs, and safety information. That’s a world of information. And we’ve put it all right at your fingertips.

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    The appraisal tool will give you three prices: “Trade-in” is what you can expect a dealer to offer you. “Private Party” is what you might expect to earn if you sold the vehicle yourself. “Dealer Retail” is what you might expect to pay if you were buying this model used at a dealership. If the vehicle is new enough, you’ll also see a price that says “Certified Used Price.” This price estimates what the dealer might sell it for as a CPO vehicle.

    If you are hesitant about buying a traditional used car, you may want to consider a certified pre-owned vehicle. These vehicles tend to be newer, have gone through a more detailed inspection process and come with a limited warranty. The Edmunds inventory tool will have an option to sort the list to show only CPO vehicles. You can also go directly to the CPO cars page.

    Explore Car-Buying Articles: If you’re unsure about the next steps in buying a used car — or car buying in general — Edmunds has research articles that can help. Take a look at those we’ve linked to on this page, or visit our research main page for a full list of articles that have been written by Edmunds car-shopping experts.

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    How to sell a car





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    Buy & Sell used cars in chennai, Dealers second hand cars – TSM Cars, how to sell a car.#How #to #sell #a #car

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    I had really an awesome and wonderful introduction with TSM. It’s assured that to sell a vehicle, I think this could be an appropriate place for anyone, I hope.

    Thanks for the Support Team TSM! I bought a silver Ritz petrol car and I am very happy by the way your Staff responded to me during the chain of communications and vehicle delivery. I am very happy with the performance of my ritz. I have started recommending my friends to TSM for used cars. Keep up the good work.

    I had a very good experience selling my car through TSM. I researched the market for a month and this was the best offer I got. The transaction also happened very quickly. Thank you TSM!

    I purchased my car though TSM last month. I am happy that I got a car I liked and at a price I liked as well. Coming to TSM, I have slowly changed my mind set about buying used cars.

    My first conversation with TSM gave me the confidence that I am selling my car through a reputed source. They educated me on how to assess a used car and explained me on how they derived at a selling price. I can undoubtedly say that TSM is the place to go for trading used cars

    We have dealt with TSM for over 18 years now. We have been trading in our cars for new or newer vehicles regularly over these years. It has been a completely hassle free experience. More importantly, the documentation is clear, clean and very legal.

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    We have dealt with TSM for over 18 years now. We have been trading in our cars for new or newer vehicles regularly over these years. It has been a completely hassle free experience. More importantly, the documentation is clear, clean and very legal. The financial aspects have been clear and fair with no room for any niggling doubts.

    The Sales and Marketing team has been very helpful in aiding us with the right choice for our requirements and budget. The S ?>

    Buying Peace of Mind: How to Buy a Used-Car Warranty #car #data #check

    #buy a used car
    #

    Buying Peace of Mind: How to Buy a Used-Car Warranty

    A certified pre-owned car with a warranty provided by the manufacturer is the safest bet in the used-car world. But if you’re not buying a CPO car from a franchise dealer, can you still get a warranty? Yes, but buying one can be tricky.

    The fact is, we all hope to find a company that will warranty a used car with 150,000 miles on it, sight unseen. But such companies don’t exist because there’s no way they can, as an example, buy everyone a new engine and transmission and still stay in business. So let’s look at the realistic options:

    Some dealer groups and used-car chains offer their own CPO warranty programs, but coverage is usually minimal. CarMax. which has more than 100 locations across the country, certifies its own cars, and everything it sells has a “limited 30-day warranty,” which is actually 60 days in Connecticut and 90 in Massachusetts due to local laws. CarMax also offers “MaxCare ,” an extended service plan that expands the coverage to most of the mechanicals except for wear-and-tear items, fluids, wheels, glass, and trim. Check the website, which details what is and isn’t covered. Prices vary according to the coverage and car.

    There are also aftermarket warranties: In December 2009, we checked these out, and we didn’t like what we saw. A cluster of companies, most based in the St. Louis area, used high-pressure tactics to get signatures on warranty deals. One of the biggest, US Fidelis, previously known as National Auto Warranty Services, went bankrupt. and at least two of its executives went to prison.

    To avoid a scam, look for a company that has been in business for a long time. EasyCare. for instance, has been around since 1984. It was formerly purchased and owned by Ford, but the company’s employees and equity partners bought it back in 2007. The company sells its contracts outright, or through more than 2000 dealers, and while it recommends that you use the selling dealer for service, any licensed repair facility is acceptable. There are four different levels of coverage, and price varies by the level, the vehicle, and its mileage. The costs, however, are often negotiable.

    Nine Warranty-Buying Tips:

    1. Never buy a warranty based strictly on a phone sales pitch.

    2. Always have a contract in hand for review before you make a decision.

    3. Don’t be taken in by “today only” price pitches.

    4. Every contract has an “insurer” or “underwriter.” Find out who that is and check the company at ambest.com. the website for A.M. Best, a century-old insurance-rating service.

    5. Make sure you know your deductible, and that it is only charged once per repair visit.

    6. Never buy a warranty based on the performance of a product—a bottle of magic liquid, for example. That tactic is a way around certain consumer-protection laws.

    7. Buy from a company that pays directly for repairs, not one that says it will reimburse you.

    8. Extended warranties are often transferable. When you purchase a car with an extended warranty, paying a transfer fee (which usually varies by state) will transfer the remaining coverage.

    9. Get the refund policy in writing. If you sell the car and don’t transfer the warranty to somebody else, you should be entitled to a refund for the unused portion of the warranty.





    Book Value And How Auto Insurance Uses It #cheap #cars #for #sale

    #car value book
    #

    Book Value And How Auto Insurance Uses It

    The book value of a car after an accident uses criteria that most people probably have not considered. One thing that customers can count on is that auto insurance quotes are readily available with online quotes.

    Kelly Blue Book values are sometimes used by insurers to help set auto insurance quotes. A car s value is what companies are insuring, and it follows that the expensive cars will produce higher insurance premiums. Prospective insurance customers should avoid buying only liability coverage, the risk of winding up with a total loss is too great.

    Insurance claim adjusters employ several methods to derive at a damaged car s true value. These include dealer surveys, book value guidelines, online pricing and person-to-person sales. These items can vary from company to company, as well as from state to state.

    Insurers may look at the Blue Book or other similar guides to get an idea of a car s value. However, those guides are used primarily to give automobile creditors the proper numbers for them to use when making car loans. Of late, many insurers have begun using CCC Information Services, which has a program that calculates the value of totaled cars. Some 80 percent of claims adjusters use CCC s valuation program to arrive at a total-loss figure. The goal of CCC s program is to identify cars in an area that are similar to others declared as total losses.

    Insurance claimants should be aware that they don t have to accept an adjuster s decided actual cash value of a damaged automobile. Conduct your own survey of car values in order to discover if the actual cash value is higher than cited by the adjuster. That could produce a higher settlement from the insurance company. The prices you discover will be asking prices, and likely be negotiated down during the claims process. But companies are legally bound to offer fair prices, and they may shy away from a court battle if your numbers appear solid.

    It will be impossible to restore a wrecked car to its pre-accident state. Just being in an accident virtually guarantees the car s value is reduced. It could be advisable to ask your insurance company for compensation to pay for the car s diminished value.

    A not so favorable aspect of car wrecks is that a driver s insurance premiums can go up. An at-fault accident can increase insurance costs by upwards of 40 percent. Some companies do have a first accident forgiveness policy; so, it would be smart when getting auto insurance quotes to inquire about how a firm treats a first accident. A lot of critical information regarding insurance quotes can be found by investigating online programs.





    Car Pricing Sources Explained – Adviser: Car Advice on How to Sell a Car #cheap #car #rentals

    #used car trade in value
    #

    Car Pricing Sources Explained

    Naturally, the first thing a seller wants to know is how much cash the old clunker or nearly new dream machine will bring. When it comes to figuring out what a car is worth, value can be found in a number of places. The most common sources for pricing information are online resources, price guides, banks and industry professionals.

    Private Sale Pricing Sources

    One of the first rules of successful selling is, “Know your market.” The following sources will help first-time and private sellers price their vehicle fairly based on local market conditions. By comparing similar makes and models in various types of condition, determining a fair and reasonable price for your car should be a quick and easy task.

    AutoTrader.com

    AutoTrader.com’s pricing tool can help you figure out what the asking price is for cars like yours in your local market. The tool determines the value of your vehicle by looking at and comparing specific data from AutoTrader.com’s listings, including:

    • How many cars similar to the seller’s are listed locally
    • Private seller’s average asking price
    • Dealer’s average asking price
    • Overall average asking price

    Edmunds.com

    In 2000, Edmunds.com began offering two services for determining vehicle values:

    • True Market Value Used Vehicle Appraiser: Estimates transaction prices for used vehicles bought and sold by dealers and private parties.
    • True Market Value Calculator: Provides estimated average price currently being paid for new vehicles.

    Kelley Blue Book

    When most people start thinking about selling a car or truck, someone is bound to ask, “What’s the blue book on it?” Many people don’t realize how specific that question really is. Like Kleenex or Xerox, over the decades Kelley Blue Book has seen its trademark product and name adopted by the public as a generic term for an entire industry.

    For used cars, Kelley Blue Book provides retail value, trade-in value and private party prices, which are based on comprehensive surveys of actual sales. For new vehicles, KBB provides manufacturer’s suggested retail price (MSRP), dealer invoice price and New Car Blue Book Value. KBB publishes market value prices for new and used automobiles of all types, RVs and mobile homes, motorcycles, snowmobiles and personal watercraft.

    NADAguides.com

    Since 2000, NADAguides.com has been offering an array of online information, products and services for vehicle buyers and sellers. Online information includes used car prices based on a variety of criteria including overall category (e.g. hybrid, luxury car, van/truck), year, make, model and trim, mileage and options.  New car prices are also available for comparison.

    In addition to new and used cars, trucks, vans and SUVs, NADA Guides are available for classic, collectible, exotic and special interest vehicles, as well as boats, motorcycles, RVs, personal watercraft, ATVs, snowmobiles and manufactured housing.

    NADA (an acronym for National Auto Dealers Association) offers hard copy editions of its pricing guides, which are recognizable by their distinctive yellow-and-blue graphic design.

    Dealer and Bank Pricing Sources

    Although the following sources are not absolutely essential for private sellers, knowing your market can include finding out what similar vehicles are selling for at local dealers, what your vehicle is worth on a trade-in, and the car’s loan value at the neighborhood bank.

    Black Book

    Black Book offers subscription-only services, including Black Book Daily and Black Book Online, which are designed to track trade-in values for used vehicles. “It’s a great tool for dealers, but consumers can also use the service to get a range of values for their car,” says Ricky Beggs, Vice President and Managing Editor at Black Book.





    Cheap Auto Insurance Rates: How To Save. #import #cars

    #cheaper car insurance
    #

    Cheap Auto Insurance Rates: How To Save

    In some circumstances, whether you can get cheap insurance is out of your control. Men tend to pay more than women. Middle-aged drivers tend to pay less than teenagers. But no matter what, there are things you can do to keep your prices as low as possible.

    Here’s what you can do to keep insurance affordable in the long term:

    1. Keep a clean driving history. People who cause crashes and get tickets tend to pay more for coverage.
    2. Buy a car with reasonable insurance costs. Certain cars are cheaper to insure. Before you buy your next car, get some quotes to see how it’ll affect your premiums.
    3. Pay your bills on time. Insurers don’t like to see a history of policy cancellations for not paying your premiums. Keeping up on your payments now will help you get lower prices in the future. Also, maintaining good credit can help you keep prices low.

    If you’re shopping for a new policy and want immediate savings, here’s what you should do:

    1. Compare quotes from multiple companies.
    2. Get all the discounts you can.
    3. Make smart coverage decisions.

    Compare quotes from multiple companies

    One of the biggest pricing factors is which company you buy from. All companies ask for the same basic information when you apply. But they use that information in different ways. As a result, you could pay hundreds less if you find the right company.

    “Prices vary dramatically from company to company, so it pays to shop around,” according to the Insurance Information Institute .

    Even if you have tickets and accidents on your record, you can find a company that will give you a lower rate. In the end, you need to find the insurer that’s the best financial fit for you. You can’t assume the first insurer you get a quote from is the cheapest.

    AutoInsurance.com is built to help you compare quotes and find the best price. When you fill out your information, you’ll get real quotes from a handful of major insurance companies. You’ll see which is the best option for you and can buy online.

    Get all the discounts you can

    Some discounts are automatic. You don’t have to do anything, and your insurer will still apply them. But for other discounts, you need to let your insurer know that you qualify.

    The following discounts usually kick in automatically if you qualify. But you can still check with your insurer to make sure you’re getting the savings you deserve.

    • Good driver
    • Multicar
    • Multi-policy/multiline
    • Loyalty
    • Low mileage

    To get the following discounts, you may need to let your insurer know that you qualify.

    • Good student
    • Antitheft
    • Defensive driving course
    • Association membership (e.g. AARP, alumni associations)
    • College student away from home

    Not all insurers offer all of the discounts mentioned here. But it’s worth it to ask about them.

    Usage-based insurance discounts

    Usage-based discounts are growing in popularity and availability.

    In these programs, you install a device in your car that tracks how often it’s driven. Some programs also track events like braking and turns. After the insurer tracks your driving for a couple months, they look at the data. If they see you drive safer or less frequently than most drivers, you could get a discount.

    Many companies offering these discounts advertise savings of up to 30%. Also, some give you a smaller discount just for enrolling.

    The following table lists the major companies that have usage-based discount programs available in many parts of the country.

    Company

    Usage-based discount program





    How BLS Measures Price Change for Used Cars and Trucks in the Consumer Price Index #cars #uk #for #sale

    #used vehicle values
    #

    How BLS Measures Price Change for Used Cars and Trucks in the Consumer Price Index

    Leased Cars and Trucks

    The weight of Used Cars and Trucks in the Consumer Price Index is determined by spending on used cars and trucks less trade-ins on new and used vehicles and other sales of consumer owned vehicles.

    Pricing. The Bureau of Labor Statistics (BLS) does not collect price information on used cars and trucks. All price information for used cars and trucks used in the CPI comes from the N.A.D.A. Official Used Car Guide (NADA). All prices are adjusted for depreciation of the vehicle.

    A monthly price relative is calculated for each observation. The price relative is based on a three month moving average of the current and last two months depreciation adjusted prices. So for month t, we are comparing the price (Dt+Dt-1+Dt-2)/3 to the price (Dt-1+Dt-2+Dt-3)/3, where Dt is the depreciation adjusted price for month t.

    Sample Selection

    The current CPI sample of used cars and trucks was chosen with the J. D. Power Information Network. This is a network of car dealers who report sales of used vehicles to the J. D. Power Company. From the universe of 2 through 7 year old vehicles, a sample of 480 vehicles was chosen.

    The CPI sample consists of 480 observations. These observations are replicated in all of the CPI areas (after tax adjustments).

    The sample is updated by one model year each September through November. This maintains the same age vehicles over time. If a production model is discontinued, it is replaced by a comparable model. A complete resampling is scheduled every 5 years.

    Quality Adjustments

    Quality adjustments are made in the CPI for new and used vehicles based on manufacturers costs obtained by the BLS analysts. The quality adjustments that are made to used cars and trucks are the same adjustments that were made to the vehicles when they were new, they just occur in later years. Because the improvements are assumed to have depreciated at the same rate as the vehicle itself, the adjustment amount applied to used cars and trucks is appropriately depreciated.

    Issues associated with used cars and trucks

    Although the CPI uses the N.A.D.A. Official Used Car Guide to obtain prices, other sources are available. The two most commonly used sources are the Kelley Blue Book and the Black Book. Information on trends in used car and truck prices can be obtained from several other sources.

    Manheim Auto Auctions constructs a price index based on sales at their auctions. These are wholesale auto auctions only open to professional buyers. Manheim runs a chain of these auctions and has thousands of vehicles to use as source data. They do not do adjustments for depreciation or quality changes. The index comes out monthly.

    Adesa Auto Auctions is another chain of auto auctions. They have various data available on used car pricing trends but don t have a specific price index available.

    Automotive News is a trade publication covering the Automobile industry. It sometimes has information on used car and truck pricing trends

    Additional information

    Additional information on the Consumer Price Index can be found in the BLS Handbook of Methods. chapter 17, “The Consumer Price Index,” Bulletin 2490 (1997). The current version of this chapter is also available on the BLS Internet site at www.bls.gov/opub/hom/homch17_a.htm or you may call the Information and Analysis Section of the CPI at 202-691-7000.

    Last Modified Date: March 13, 2015

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    How to Buy a New Car – Auto Financing #how #to #rent #a #car

    #car financing
    #

    It’s all about the benjamins

    The vast majority of shoppers have to take out a loan to buy a new car. If you have the cash to pay in full, that is the best financial position since you will not have to pay any interest on a loan. People think that obtaining affordable auto financing is a painful, humbling or potentially embarrassing process and often they’re right. However, there are ways to be informed and to ensure that you make a smart decision that puts you in the best position to buy.

    Do Your Homework

    You are not only in the market to buy a new car, but to do so at the lowest cost, and spending less on a new car starts with your car loan. 73% of all new car purchases are financed, so unless you are in the remaining 27%, you will have to either take out a loan or finance through leasing. There are many different loan types with varied interest rates and term lengths, so doing your homework to find the most cost efficient loan is very important.

    Count Your Cash

    If you have enough money to buy a new car outright, do it! If the space under your mattress is filled with cash and you can afford to buy a new car without taking out a loan or agreeing to a lease, you will end up saving the most money. If the bed is bare, then you will have to finance, but using whatever cash you have on hand can still lead to savings. The more money you use as a down payment, the less money you will spend on interest; it’s that simple. A four-year loan at an interest rate of 7% on $16,000 instead of $20,000 will shave $600 off the total cost. Not only will you save $600 in interest, but you will lower your monthly payments from $478 to $383. Experts advise paying at least 20% of the price of the car as a down payment to help minimize your monthly payments. You can also use the value of your trade-in to get as close to 20% as possible. Calculate your down payment, interest rate, and other factors to get an accurate auto loan estimate.

    Know Your Credit

    Find your FICO, also known as your credit score. Even if you have excellent credit, it is to your benefit to find out exactly what your credit score is. It will determine what loan rates you qualify for, which translates into how much interest you will pay during the period of your loan/lease. Most people don’t know their score and usually are afraid to find out. However, if you have bad credit, it is much better to know it before you’re trying to negotiate a low payment at the dealer. You never know though you might be pleasantly surprised by your credit score. Get your FICO score and Experian report .

    An example of how your credit might affect how much you end up paying: If a car costs $26,000:

    1. Excellent credit (700+ FICO) at 6% interest for 3 years = $28,525
    2. Mediocre credit (620+ FICO) at 11% interest for 3 years = $30,696
    3. Poor credit (under 620 FICO) at 18% interest for 3 years = $33,895
    4. Cash in full = $26,000
  • Check the Term

    In loan speak, the number of months to pay off the loan is called the term. The shorter the term, the more you’ll save. REMEMBER: Each payment you make means more interest you’re paying.

    1. Shorter is Better: When determining the length of a loan, you must weigh a few options. If you can afford higher payments during a shorter term (24-36 months), you will save money. If you want lower monthly payments that will stretch over a longer period (48-60 months), you will actually spend more money because of the interest and the odds of becoming upside down are increased.
    2. Don’t Get Upside Down: Being upside down means that you owe more money on the loan than the car is worth. When you take out a loan on a car, there are two factors at play: the depreciation of the vehicle and the amortization of the loan. Depreciation is the rate at which the value of your car declines; amortization refers to the payments you make on a loan. At the beginning of your loan, the value of your car will depreciate at a faster rate than your interest payments amortize. So, after a year or two, you may owe more on the car than you could get if you sold it. For example, if you buy a car for $20,000, after two years, it may be worth only $11,500 due to depreciation, but you still owe $14,000. That means that you are upside down on your loan by $2,500. Why is this bad? Well, if your car gets totaled in an accident (we hope not!), the insurance company would only pay you $11,500, and you would have to make up the $2,500 difference that you owe the bank.
  • Be Wary If You Have Bad Credit

    If you have poor credit, you will not be eligible for those great low rates that the dealer is advertising. You may be able to get a better rate by shopping around at your local bank or credit union. If your credit is spotty, there are often other loan options .

    Explore Your Options

    There are three places to obtain financing.

    1. Online: There are several websites that can provide your credit report & score and there are websites out there that will actually pre-approve you for a loan .
    2. Your Bank or Credit Union: Visit your bank or credit union and discuss the rates that you qualify for.
    3. The Dealer: The dealer has many credit/loan sources; each source gives their rates to the dealer, who, in turn, may add additional percentage points. So it’s imperative to know what kinds of interest rates you qualify for from outside sources before you go to the dealer. This allows you to avoid confusion at the dealership, saves you money, and let’s them know that you are serious about car buying.
  • TIP: NEVER roll an upside down loan on a trade-in into a new car purchase. Why? Because you will immediately be upside down in your new loan, which, as I mentioned before, is a very risky place to be.

    TIP: Get a flexible loan if you can. A flexible loan allows you to increase your monthly payments, or pay it off completely if you are able to do so.

    BOTTOM LINE: Cash is the bottom line. The best way to save money on a new car is to have as much cash as possible at the time of purchase. The more cash you can pony up front will trim down your monthly payments as well as the interest you will pay over the duration of your loan/lease. Saving is the name of the game. If you save your cash for a big down payment, you will be saving money in interest over the term of your loan, while having lower monthly payments as well.





    How to Ensure Accurate Pricing with a Used Car Price Guide #car #lease #deals

    #car value website
    #

    How to Ensure Accurate Pricing with a Used Car Price Guide

    A used car price guide is an essential tool in finding a value that is fair for both the car buyer and seller. Luckily, there are a number of free resources that can be used to help you determine a satisfactory price. While price guides can give you a general idea of the value of a car, there are a number of different factors to consider when trying to accurately determine the price.

    • Start your search by consulting one of the establishing used car pricing websites. Kelly Blue Book and N.A.D.A. are both trusted resources for getting up to date pricing information
    • While these sites are a good starting point, the values assigned aren’t always reflective of what a particular vehicle may actually sell for. One factor that can push prices either up or down is the time of year. Convertibles, for instance tend to command more money during the summer months. Major service intervals (timing belts, for instance may need to be replaced every 60,000 miles) that have yet to be performed should also lower the price accordingly
    • Cars with cult followings (muscle cars and vintage sport cars are excellent examples) will usually be worth more to enthusiasts than a buyer simply looking for a means of transportation. Sellers of these cars are generally aware of what they have, and buyers can expect prices to be a little higher because of this
    • Reputation will also affect cost. Vehicles labeled as unreliable will lose their resale value more quickly than those that tend to last hundreds of thousands of miles with routine maintenance. Also, a car with a documented maintenance history should immediately be considered more valuable than one without. It can be very comforting to know your potential investment has lived its life in good hands
    • One way to get an accurate idea of what a certain make and model may be worth is to check what similar cars are selling for. This is when it can be quite helpful to reference a number of Internet sources to gauge the local climate. Check CarsDirect’s updated database of used car listings to see how much your car of choice is going for
    • Once you have viewed enough listings to observe a trend reflecting how mileage and condition will play with value, you can begin to consider a realistic budget

    Try to not become obsessed with finding the perfect price for the perfect car. If you find yourself too concerned with finding a dream price, your search may go on much longer than originally anticipated. All things considered, a car is worth what you feel it is worth. Factors such as collectability, resale and utility make this different from individual to individual. It’s important to keep in mind that there will always be another example of what you are looking for. With a little time, patience, research and luck anyone can find the perfect car.

    Used Car Price Analysis

    There are many factors considered when a dealer presents their used car price. Some use guides that are based on a used car price formula. This formula usually has a base value of the particular car, and adds or subtracts value depending on conditions such as options and mileage. Here are a few factors which have to be considered when trying to estimate the value of a used car.

    Popular Options

    Since most people prefer an automatic transmission, it is understandable that a vehicle equipped with one will command a higher price. Some other popular options that help to increase the value of a used car are: leather interior, power operated equipment (seats, mirrors, etc.), automatic climate controls or convenience options (cruise control). Some options do not always affect the value of a used car. These include certain audio options and wheels.

    Location

    Another factor that will affect a vehicles value is the area it is being sold in. For instance in places like southern Texas, pickup trucks will have a higher value, because they are in higher demand there. In areas where snowfall in winter months is a common occurrence, 4-wheel drive or all-wheel drive vehicles command a higher price. In cities, smaller cars that get good mileage and are easier to park are in higher demand.





    How to Compare Car Insurance Rates Effectively – Allstate #hertz #car #rentals

    #compare car insurance
    #

    How to Compare Car Insurance Rates Effectively

    Published: September 2012

    You would never think to buy a car without doing a little cost comparison of car insurance rates to see how much money you could save. So why would you ever sign up for an auto insurance plan without doing the same? If you’re not sure how to compare car insurance rates, we’ve got a few helpful tips that may just save you some money.

    Step One: Get at least three quotes.

    Today’s car insurance market is incredibly competitive, which means that insurance providers will often go the extra mile to get your business. If you’re smart about shopping around, you could make the competition work to your advantage. Your first step should be to get at least three quotes from reputable auto insurance providers. Once you’ve done that, look at each one line by line to make sure you’re comparing apples to apples. A side-by-side comparison will help you to determine which one will give you the best coverage for your buck.

    Step Two: Look at the limit of liability coverage.





    How Do I Determine The Value Of My Car For Tax Purposes? #car #valuation #calculator

    #my cars value
    #

    How Do I Determine The Value Of My Car For Tax Purposes?

    Whether you are donating your vehicle to charity or whether you need to know the value of your vehicle when determining your current assets, there are ways to determine the worth of your motorized vehicle.

    Kelly Blue Book

    This is the reference that most businesses like car dealerships use to begin when negotiating the worth of a vehicle. Other factors such as mileage, climate and driver can also be considered when considering the value of your car. With the Kelly Blue Book website, you can answer 27 questions specific to your vehicle to help determine the true worth.

    government Rules

    If you donate your vehicle, the government has specific rules for determining the value of your car for tax purposes. If your vehicle could be sold for more than $500, then you can claim that amount. If the vehicle is worth less than $500, it will be up to the charity to determine the value of the junk vehicle.

    Historical Cost, Replacement Cost, or Net Realisable Value

    Asset valuation can be based on any of these four methods. Historical Cost looks at what was paid and then factors in depreciation. Replacement Cost looks simply at what it would cost to replace the asset at today s market value. Finally, Net Realisable Value looks at what would be realized at sale time. If a car requires $1000 worth of repairs before its sale, then that $1000 would be subtracted from the final sale price.

    If you are applying for Medicare Supplemental Insurance or some other form of government subsidy, you may be asked to list all your vehicles and provide values. Any of the above methods can be accurate and doing your best is usually what is requested. Keeping any documents to support your figures is helpful in case the government decides to question your calculations.





    How to Take Over Car Payments When Buying a Used Car #smart #car #price

    #take over car payments
    #

    How to Take Over Car Payments When Buying a Used Car

    One can take over car payments or assume a car loan. It is a good idea for an individual who doesn’t have the upfront cash or money for a car. This article will show you how you can take over the loan.

    Tools and Supplies Needed

    • Car Title
    • Proof of Income
    • Proof of Residence
    • ID/Drivers License

    Step 1: Contact Loan Company

    Contact your loan company and find out what will be required for the process before you go and begin it. In many instances, you will be required a down payment. So be prepared for that as a requirement and find out how much it should be before you pay it. This way you can be sure you have the money ahead a time.

    Check your credit and FICO score before you go in. They will likely run a credit check on you, and you want to make sure it is in good standing. Otherwise, your interest rate may change than want the previous owner held. So be sure to find out what it is and know what to expect when you sign over the car payments.

    Much like a regular loan, you will need to be “approved” before you can sign the paperwork and make a payment schedule. So that can take up to a week or two, though some do have instant results. That will depend on the credit company and how they work.





    How to avoid a car rental surprise #used #truck

    #how to rent a car
    #

    How to avoid a car rental surprise

    Car rental companies can see the counter as more of a sales opportunity than an opportunity to service their customer. (Photo: Getty Images/iStockphoto)

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    When you rent a car, all you really want are the keys and reliable directions, thanks very much. No surprises.

    But a surprise is exactly what Theresa Speake says she got when she rented a car in Cancun, Mexico, recently.

    She’d made her reservation through Rentalcars.com, and had confirmed a two-week rental for a Chevrolet Aveo. She read the confirmation carefully. “There was no statement that I would be required to have additional liability or collision insurance,” remembers Speake, who works for a non-profit organization in Alexandria, Va.

    When she landed in Cancun, a representative for the car rental company told her she couldn’t have the wheels without paying $466 for insurance. She reluctantly bought coverage from Dollar Rent a Car, hoping to fight the charges when she returned home. Despite her protests, the bill stuck.

    Surprises happen all the time, and not all of them are bad ones. Sometimes, car rental companies do nice things for their customers. Sometimes they don’t. Avoiding a surprise at the counter requires understanding the real purpose of a car rental counter — and knowing what to look for.





    How to Find Wholesale Prices on Cars #budget #car #insurance

    #used vehicle prices
    #

    How to Find Wholesale Prices on Cars

    Invoice Price

    The dealership pays the invoice price of a new vehicle to the manufacturer. It may receive additional money under specific programs that reduces its actual cost. On the other side, a dealer may be paying interest on money it borrowed to pay the invoice cost. That interest accrues until the car is sold. Rebates are cash payouts the manufacturer provides to help sell the car. Roughly speaking, the wholesale price of a new car is the invoice cost minus any available rebates. New car pricing websites provide the invoice cost when you enter the model and options.

    Negotiating Strategies

    Buying a car that the dealer is highly motivated to move off the lot gives you the best chance to negotiate a price at or below wholesale. Conditions that may put a car into that category include unpopular models, slow-selling colors, previous model years, cars that have been on the lot for months and vehicles used as demo drivers. The sales manager may start negotiating at a lower price on cars in those categories and you can push for the lowest possible number. Some of the characteristics, such as overage or demo cars, may not be obvious. Ask the management directly if those types of cars are available.

    Used-Car Values

    Buyers and sellers of used cars generally depend on the Kelley Blue Book to estimate wholesale and retail values. Online used car pricing sites may provide slightly different numbers than the book value a lot manager uses to value a trade-in or wholesale purchase. A used car should price out with a trade-in value, a private-party sale price and a retail value, the price at which a dealer might sell the car. The trade-in value tends to be the best estimate of a used car’s wholesale worth. From that price point, a dealer may have to spend more than $1,000 in reconditioning costs depending on what kind of shape it’s in. As a result, dealer cost on a used car will be higher than the listed wholesale value.

    Private Auction

    At dealer-only auto auctions, wholesale prices are set by the auction process and the selling values are the true wholesale costs for each car. To buy at the auction you need a dealer’s license from your state or to find someone with a license that will take you to the auction. The licensed individual will probably want to add a premium, sometimes several hundred dollars, to the purchase price for his efforts. You can also negotiate with private party used car sellers and attempt to buy cars at the trade-in value. Success in this approach depends on the seller’s willingness to accept a low price.





    How To Change Your Car s Filters #used #car #classifieds

    #air filters for cars
    #

    How To Change Your Car’s Filters

    1 of 5

    Any part of the car that takes in fluids or air from the environment should have a way of separating the good from the bad, of taking in only what benefits the mechanism and leaving the rest behind. This is why cars have air filters and fuel filters. True, they require regular looking after but this is one of the simplest and least expensive and most important maintenance procedures you can perform for your car. Changing your car’s filters on a regular basis can have a significant impact on engine life and performance.

    We’d like to walk you through a basic filter change. It doesn’t take long, saves you money, and sends your car down the road refreshed and renewed. A clogged air or fuel filter can cause poor performance, poor fuel mileage and reduced engine life. This simple procedure guards against that.

    How often should you do this? Check your owner’s manual for the manufacturer’s recommended intervals. If the manual’s not available, a good rule of thumb is: air filter replacement every 12 months or 12,000 miles (whichever comes first); fuel filter replacement every 2 years or 24,000 miles (whichever comes first).

    Changing the Air Filter

    If nothing else, learn how to change your own air filter. It’s quick and easy and saves you money.

    How so? Chances are, the last time you went to the Quick Lube-n-Tune place the technician probably hit you up with, “Hey Bud, you need a new air filter.” After which you nodded and watched as he added it to the invoice. How much? $17.99? $23.99? Heck, we’ve even seen $27.99.

    The chief purpose of Edmunds.com is to empower the consumer. Don’t let them stick it to you. Learn to say no there’s no law against it. Just say “Thanks, I’ll look into it,” and go home after the oil change and perform this procedure yourself if, in fact, it really needs to be done.

    First, park your car in the shade and pop the hood. Prop it up so it doesn’t bang you in the head, then let the engine cool for a few minutes.

    While it’s cooling, go get your tools. You’ll need very few for this procedure grab a butter knife, two medium-sized screwdrivers, one standard and one Phillips, and head back to the car.

    The air filter is typically enclosed in a black plastic casing near the center-top of the engine (sometimes, however, it will be off to the side). It should be the largest non-metal assembly you see, about the size of a breadbox. Find it? Good. Now, open it.

    How? Well, most of them are held together by a couple of large metal clips on the side. Slide the butter knife or flat-headed screwdriver between the casing and the clip and then pry the clip away. Continue around the case’s perimeter, loosening all the retaining clips which should allow you to open the case up. Occasionally you’ll find an air filter housing that’s held together with several long screws, in which case you’ll have to unscrew them to get at the filter.

    Should you own an older car (especially an American one) or truck, it might have a circular air filter (that’s shaped like a big donut) located under a likewise circular metal housing sitting right on top of the engine. These are usually accessed via a simple, single wing nut atop the cleaner.

    Anyway, crack it open and you’ll find the air filter inside. It’s usually white, bright yellow, orange or red, the better to see the collected dirt.

    Pull out the filter it’s typically flat and/or elongated, and is made of a paper element with rubber edges to seal it against the casing.

    Next, check it for cleanliness. Hold it up to the sunlight and (while keeping it at arm’s length from your face) bend it back, so the paper ridges of the filter flutter like the pages of a book, and look inside the crevices. Do you see a lot of accumulated dirt and grime? Now look at it straight on. Is the orange or yellow paper mostly dirty in the center? If so, then you should replace it. No big deal the replacement only costs about $10-15.

    Close up the casing and put the old air filter in a plastic grocery bag. You’re going to want to bring it with you to the auto parts store to compare old with new and make sure you get the right replacement. Toss it in the car and go clean up. By the way, it’s okay to drive a car short distances without an air filter (something you can’t do with a missing fuel filter).

    Here’s what you need to buy at the auto parts store:

    • new air filter
    • new fuel filter
    • new gasket(s) for the fuel filter they normally come with them, but ask to be sure

    When you get back home install the new air filter. Seal it up and you’re done.

    Fuel Filter Replacement

    This is a little tougher than replacing an air filter, since finding the thing can be half the battle. It’s typically located near the top-center of the engine, close to the air filter, although sometimes, with more modern cars, it’s actually built into the fuel tank and is a job best suited to your mechanic.

    First, if you value your life, extinguish any smoking materials while doing this procedure.

    Second, for better access, remove any oversized, plastic coverings from the top of the engine. They usually come off with a large, flat-head screwdriver.

    Now search for the fuel line, which comes from the rear of the car. It’s about the same diameter as a finger, and will be soft and pliant at this location, not a hard metal shaft. It will come into the fuel filter from the rear of the vehicle.

    Find it? Okay, now grab a couple of # 2 pencils. You’ll also need several different sized screwdrivers, both flat-head and Phillips, and a small ratchet set.

    The fuel line will normally be secured to the fuel filter with a little clamp. Work it off with a screwdriver usually a Phillips and then jam the pointed end of a pencil into the free end to keep gasoline from spilling out. You may need a larger diameter object than a pencil, so you’ll have to be resourceful here, since we don’t know what you have lying around in your junk drawer at home.

    After you’ve plugged the fuel line, you can remove the fuel filter. It’s normally secured with a couple small bolts. Find the right-sized socket and remove the filter. It will also have a hose coming off the other end (this goes to the engine), so remove this one the same way you did the other one, and plug it with another pencil.

    Compare the new filter with the old filter, and make sure you position it in the same way, so that the fuel is flowing in the right way. Sometimes there’s an arrow on the filter showing you which direction the fuel flows.

    Put the assembly together in the reverse order that you used to take it apart. Before you do, though, take a quick look at the new filter.

    You’ll note that there two metal (or plastic) shafts coming off the filter where the hoses attach. They have little nubs or ridges near the ends. Make sure to slide the rubberized lines onto the filter as far past the nubs as you can get them.

    Also, pay special attention to the clamps on either end of the filter. Position them between the nubs and the body of the filter. Then get them snugged down good and tight (but not so tight as to strip the screw), to prevent leakage.

    One last thing. If the hoses are getting brittle and frayed, make a mental note to buy some new hoses next time you change your filter. If they’re really bad, replace them now.

    After you have everything reassembled and secure, run the engine for a few minutes. Inspect the hoses and connections to make sure no fuel is leaking.

    That’s it.

    Remember, next to changing your oil and oil filter, replacing your air and fuel filters on a regular basis is the single most important act of maintenance you can perform for your engine. Do it and your engine will thank you by giving you many thousands of trouble-free miles.





    How to Get a Free Donated Car #buying #a #car

    #free cars
    #

    Things You’ll Need

    Proof of government assistance

    Contact charitable organizations that give cars to people in need such as military veterans or those needing transportation for continuous medical treatment. Check out Free Charity Cars and Online Car Donation. You must meet program requirements to get a car from one of these organizations.

    Free Charity Cars only requires you to set up a profile page and explain why you are in need of a car. Cars are donated based on the amount of votes generated from your profile. Online Car Donations give cars to women survivors of abuse, military families, homeless families, the physically challenged and families who are transitioning off public assistance. Domestic violence and homeless shelters are also known to give donated cars to people who are in need.

    Complete all paperwork the organization requires. Generally, this is just an application to get the donation process started. The application will ask questions about your household size, income, assets and resources.

    Provide all of the required documentation to the charitable organization such as a valid driver’s license, proof of insurance, proof of income or proof that you lack income. If you receive government assistance as a result of your low income, provide proof of the government assistance.

    Wait to receive your donated car. You may receive the car right away, or you may be placed on a waiting list; it depends on the organization.





    How to Honestly Win a Car Online #car #sales

    #win a car
    #

    How to Honestly Win a Car Online

    Promoted by

    Create an email account. Most of the time when you enter contests to win a car or any other prize, you are consenting to allow spam email and advertisements into your inbox. If you set up a dummy email account to catch all that spam, it won #039;t affect your normal, day-to-day activities.

    Go to survey websites. Websites such as surveyspot.com will often have drawings that take place for cars, money, and other sorts of prizes. You have to fill out surveys, and for each survey you fill out you get an entry into the contest.

    Go to auction websites. This might not technically be winning a car, but you can often bid on cars at much cheaper prices. This is a fairly safe way of getting a car at a lower price, and still feeling like you won, even though you paid for it.

    Look for sweepstakes websites and contests on the Internet. Searching for phrases such as win a car will usually allow any search engine to find dozens of contests that you can enter with the hope of winning a vehicle.





    How to Value Cars – Vehicles in Bankruptcy #second #hand #car #sales

    #trade in value for cars
    #

    Here’s how to determine the replacement value of your automobile for bankruptcy.

    If you own a car, motorcycle, SUV, van, RV or other vehicle and you file for bankruptcy. you’ll have to list the value for the vehicle on your bankruptcy papers. The standard you use when valuing your car or other vehicle is the “replacement value.”

    What Is Replacement Value?

    For purposes of bankruptcy, replacement value is the price a retail merchant would charge today for a car like yours, taking into consideration the age and condition of the car. Put another way, to get the replacement value of your vehicle, determine the amount it would cost you to replace your car with one of similar age and condition, on the date that you file for bankruptcy.

    Ways to Get a Replacement Value

    There are many different ways to arrive at the replacement value of a car or other vehicle, but generally speaking the age and condition of the vehicle will dictate the best way to determine its value.

    Trade Publications

    Many Chapter 7 trustees rely on trade publications such as the Kelley Blue Book and the N.A.D.A. Guide, or their online versions, to determine replacement value for automobiles and other vehicles. Trustees like these publications because they provide a common industry standard.

    However, trade publications have limitations.

    • For one, they don’t take into consideration certain conditions of your car, like the fact that your air conditioner is broken or your transmission that needs to be replaced. Circumstances like these may substantially decrease your vehicle’s value.
    • Also, trade publications represent a retail asking price, and not the final sales price that is negotiated between buyer and seller.

    Because of these limitations, it’s best to use trade publication values as a starting point. Then, consider both the condition of the vehicle and market factors when arriving at its replacement value for bankruptcy purposes.

    However, if you own a newer car or a vehicle that is in very good condition, you may be able to rely on the N.A.D.A. Guide or Kelley Blue Book, or another reputable trade publication, without the need to adjust its values.

    CarMax and Dealership Appraisals

    Many trustees now accept vehicle appraisals obtained from CarMax as evidence of your car’s replacement value. CarMax prepares appraisals based upon the condition of your vehicle and underlying market factors. Its appraisals represent what a bona fide purchaser would be willing to pay for a like vehicle in like condition.

    CarMax will provide a written appraisal without requiring you to trade in your vehicle or purchase a new one. This may be a good option to consider based upon your car’s age, mileage, and condition.

    You may also be able to get an appraisal from a commercial car dealership. Be sure to tell the dealership that you want a value based on the market or resale value, and not the trade-in value. Trade-in values tend to be lower than market or resale values, and may not be an accurate reflection of your car’s worth.

    Whether a particular trustee or bankruptcy court will accept a CarMax or car dealership appraisal varies. To find out the practices in your area, contact a local bankruptcy attorney.

    Licensed Appraisers

    You can also get a car or vehicle appraisal from a licensed estate appraiser or auctioneer. Although trustees generally accept this method for all vehicles, debtors usually only use it for more valuable vehicles, such as high-end or antique cars, because these appraisals are often expensive. If you use a licensed appraiser, be sure to make clear to the appraiser that the appraisal is for your bankruptcy.

    The Importance of Accurate Written Valuations

    Whether you are filing a Chapter 7 or Chapter 13 bankruptcy case, it is important to obtain accurate written valuations for your vehicles. There are two reasons for this:

    You Sign the Bankruptcy Petition Under Penalty of Perjury

    When you provide values for any property that you own on your bankruptcy petition, including your vehicles, you do so under penalty of perjury. This means that you have a duty to disclose all of your assets and their respective values, truthfully and honestly. Failure to do so may result in a dismissal of your bankruptcy proceeding, loss of your discharge, and/or fines and penalties.

    Accurate Values Help Protect Your Interests

    The value of your car may be important in your bankruptcy case. For example, your car’s value may affect whether it is exempt or not. It also may determine how far you can reduce your car loan in a Chapter 13 case (this is called a cramdown).





    How To Touch Up Car Paint (Routine Maintenance For Cars) #cars #for #sales

    #touch up car paint
    #

    How To Touch Up Car Paint

    Touching up a small scratch is simple but requires a precise paint brush, a steady hand, and the proper environment. This video will show you how to fix up small scratches on your car at home.

    Touching up a scratch on a car, if you are going to do it yourself, get yourself a nice small paintbrush. You don’t want to have a big paintbrush because it will just make a mess of everything. So a nice little one, this sort of size is quite nice.

    If it is a bigger scratch you can go a little bit bigger, but in general, nice paintbrush. Paint that I’ve got here has been used for painting a car so it’s got thinners on it. So it’s a little bit too thin, but normally if you bought paint straight from the shop, you’re probably going to find something a little too thick so you need to give the paint a real good mix up, there be particles of different colors in that color.

    You would probably find that there would be about six different colors to make this grey. All colors work in the same sort of way. They have loads of different colors in them.

    So it’s very important to give it a really good stir, scratching round all the sides and around the bottom of it all and make sure you give it a real good mix up as you would do with mixing up any sort of color. As I said, the paint is thick, but put a little bit of thinners in there and what you can normally do after you have mixed it all up. You will have some on the top which will obviously be and should be the right color.

    Put a little bit of thinner in there and mix it in well and once you have got a nice mixture, take the majority of the brush so you have just got enough on there. Go to the car and make sure that the car is nice and dry and clean, make sure the temperature is a sensible temperature. You don’t want it too cold because the paint will not stay on the vehicle, it will just run down.

    Make sure it’s one hundred percent dry because the same thing will happen, it won’t stay where it should. Now, you rest your hand on the vehicle and then infill on the scratched part. Not the surrounding areas, just on the scratch where it has been scratched, it’s low.

    What you need to do is fill that up. If you start painting on the outside of it all, you get a big blob there, so all your interest is filling up on the inside bit. Where this paint is fairly thin, you might want to leave it for ten or fifteen minutes and then go back to it and do it again.

    The idea is to take your time on it. I’m just dabbing it on because it is a metallic color the pigment goes a bit funny at times, so just dab it on, into the low spot, job done. That is how you touch up a car.

    Hope what we have explained to you today will come in useful. If there are any other problems, you can check out our website or give us a phone call, and we will be glad to help you out.





    How to Rent the Best Car for the Least Money #leasing #cars

    #best car rental
    #

    How to Rent the Best Car for the Least Money

    Promoted by

    Make a reservation online through one of the major car rental companies. It’s by far the easiest and cheapest way to rent a car either locally or internationally. Just about every car rental Web site offers Internet-only discounts (about 10 percent) and upgrades as well as various special offers.

    Rent through a name-your-own-price online travel agency such as priceline.com or Hotwire.com, particularly if you’re not choosy about the car. These agencies will get the best deals with the car rental companies for you, including upgrades and unlimited mileage. Note: Once your request is accepted, you can’t cancel or change your reservation or get a refund.

    Search for package deals. Fly-drive-stay vacation packages offer huge discounts on car rentals. Many online travel agencies also offer fly-drive discounts as well. Avoid reserving a rental car through an airline. It’s convenient, but you rarely get the best deal.

    Ask for more discounts that may apply to you, even when you think you’ve scored the best deal: AAA, AARP, frequent-flier programs and military service are just a few of the many special discounts that car rental companies may honor.





    How to Lease a Used Car #find #car #value

    #used car leasing
    #

    How to Lease a Used Car

    Promoted by

    Use a car lease takeover search engine like Swap a Lease. On this site, automobile lease holders can advertise their leases in order to find potential buyers to take over the lease. It allows the lease holder to get out of their lease early while also permitting buyers to have a short-term lease on a used car. In order to permit the lease to transfer to a new holder, you will be subject to a transfer fee. The transfer fee is typically a small amount and should not be more than $100.

    Look through auto classifieds from dealerships and leasing companies for used cars available to lease. Instead of taking over a lease, you can start a new lease contract on a used car. For example, the online leasing company Used Car Lease has a database of both new and pre-owned vehicles for lease.

    Complete a lease application. Once you find a used vehicle that you want to lease, you will have to apply through a financial institution to see if you qualify for the loan. The bank will determine your credit rating and financial details to make sure you are able to make the monthly lease payments. The former lease holder or the dealership can make arrangements for the processing of the application.

    Take out full coverage on the leased used car once approved for a used car lease. Even though it is used, you will still be required to have full coverage through your auto insurance company. You will also need to have the used car registered and inspected prior to operating the vehicle.





    How to Get Cheap Short Term Car Insurance #rent #a #car #prices

    #temp car insurance
    #

    How to Get Cheap Short Term Car Insurance

    June 12, 2013

    Whether you need to use a borrowed car for several weeks or months, or need to borrow a vehicle from a friend or family member for only one day, cheap short term car insurance will give you some protection in the unlikely event you are involved in an accident or the vehicle is damaged or destroyed. There are plenty of companies that offer reasonable short term or temporary insurance coverage, and using the Internet makes finding them easy. So, here is a quick step-by-step guide on how to get cheap short term car insurance.

    Get Free Car Insurance Quotes

    • A borrowed car
    • Vehicle Owner name and address information
    • A valid driver’s license
    • A personal computer
    • An Internet connection
    • Basic Internet research skills
    • Compare Car Insurance Companies

    Step 1 – Prepare Information

    First, gather all of the information you will need to apply for a short term car insurance policy. For instance, if you are borrowing a vehicle from a friend or family member, you will need to know the complete name and address of the registered owner as well as information regarding the owner’s current insurance and lender. If you’ll be using a short-term policy to provide coverage for a rental car, you need to prepare documentation needed for a non-owners car insurance policy. In any event, you’ll need to have your drivers license as well as knowledge regarding your personal driving history available.

    Step 2 – Find Insurance Companies

    Next, you need to find insurance companies to provide short-term insurance coverage. You can visit websites such as DayInsure.com or TempCover.com to receive quotes from companies that specialize in short-term or temporary car insurance coverage. Alternatively, you could use a major search engine like Bing, Google or Yahoo to search for companies that provide temporary coverage as well. To begin your search, simply enter terms like “temporary car insurance” or “short term car insurance” and click the search button. The search engine will then show you a lot of links to websites where you can find more information or request quotes.





    How to Refinance a Car Loan #which #car

    #refinance car loan
    #

    Other People Are Reading

    Lenders and Rates

    Many lenders won t refinance their own auto loans, so you ll have to check multiple banks and credit unions to find the best possible rate. You may get a lower rate if interest rates have gone down since you took out the original loan or if your credit score has improved since taking out the original loan. Your rate also is influenced by the age, mileage and condition of your vehicle and how much you need to borrow. If rates have risen or your credit score has dropped, you still may be able to lower your monthly payment by extending the repayment period — though again, that depends on your particular vehicle and its condition. You can solicit multiple lenders for car loans within a 14-day period without each inquiry having an effect on your credit score.

    Personal and Financial Data

    As in any loan application, the lender will want confirmation that you ll be able to make the payments. Provide your name and address and your Social Security number to verify your identity. You ll also need to document your current job; if you ve had that job for less than two years, you ll need to list your previous employers as well. You may need to provide copies of your pay stubs or W-2 forms to prove income. Finally, you ll need details on your current vehicle loan, both in terms of the amount owed and the name of the loan issuer.

    Gather Vehicle Information

    Lenders will want to know about your car: the vehicle identification number and the make, model and year. It s generally more difficult to find lenders willing to finance a car that s more than five years older than the current model year. You ll also need to give the lender the vehicle mileage. All this helps the lender determine the value of the vehicle in relation to the money you owe. Some lenders won t refinance models with high mileage or a loan balance higher than the car s value.

    Closing Process

    Once you find a lender and agree to terms, you ll have to sign the loan documents to complete the refinancing. Depending on the lender, you may be able to sign the documents by mail or online rather than in person. Regardless of how you complete the forms, refinancing can be completed in a matter of days. Once your original loan is paid off, you ll start making monthly payments to the refinancing institution.

    Avoiding Extra Costs

    Check both your current loan agreement and your proposed refinancing document to ensure you re not vulnerable to predatory lending practices or paying more than you need to. Some fees, such as a lien-holder fee or costs associated with transferring the title, are relatively common and shouldn t add much to the bottom line. However, some loans feature a repayment penalty that can force you to pay some or all of the remaining interest before refinancing. Other lenders may target borrowers with poor credit by offering loans that extend beyond the expected life of the car and incorporate high fees and interest rates. Read all documents carefully before committing to a new loan.





    How to service a car a simple checklist and tips. #car #insurance #australia

    #car servicing
    #

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  • What is the fastest you have ever driven at.

    Car servicing tips

    Order of Service

    TorqueCars quick guide to Servicing a car.

    You can save a lot of money by servicing a car yourself. You also have the advantage of knowing that you have used top quality components and have done a good job.

    It really is quite simple to perform a basic full service and does not require any more than the ability to tighten or loosen a nut or screw!

    Save money on garage bills by servicing the car yourself.

    TorqueCars Tools list.

    You ll need a oil filter removal tool which looks a bit like a bicycle chain with a handle (if sandpaper doesn t work)

    Spark plug removal tool.

    Spanner or socket set for the sump plug (the oil drain plug).

    Screw driver for the air filter housing (many have snap on clips instead!)

    Jack – raise the car to check each wheels bearings by rocking the wheel and seeing if there is excessive play.

    Tyre Pump – to ensure the tyres are all at the correct pressure.

    Anti freeze gravity gauge – looks a bit like a turkey baster.

    Oil catch pan to collect the old engine oil for safe disposal.

    DO NOT ATTEMPT TO: BURN OLD ENGINE OIL and do not POUR INTO THE DRAIN, TOILET OR POUR ON THE GROUND.

    TorqueCars Parts required.

    Oil – Get the correct grade – see your cars instruction book and note that sports (thin) oil can actually cause damage in an old or low performance engine just as too thick an oil can clog up the fuel pump and fail to lubricate the engine. Use a funnel if you have shaky hands – you don t want oil on the engine.

    Oil should be changed every 6000 miles and certainly at least once per year. Because oil degrades over time it should be regularly replaced and is the best way to guarantee a long engine life.

    Oil Filter – I prefer to avoid non brand makes as the filtration is sometimes much worse. A magnet that attaches to the oil filter catches small metal particles and stops engine wear is worth getting if you can source one. Use a proper oil filter removal tool or alternatively a piece of sandpaper may help you to grip it.

    Sump washer – Never use the old sump plug washer either – keep a few as spares.

    Spark Plugs – Get a good quality brand with a copper core electrode (quads, splits and triples not really necessary for most road cars.) Plugs last for 1 year although some cars use iridium or platinum plugs which are rated for 40,000 miles or 4 years. Read more on Spark Plugs

    Leads – These only need replacing if they start to deteriorate and a good set of leads should last easily for 10 years.

    Filter – air filter – really easy replacement which just drops in. Typically the air filter housing is secured with a few screws or clips. You may have to unplug sensor cables and the air flow meter to gain access but you can normally get away without doing that in most cars. An air filter will last for 1 year, unless you live in a very dusty area. Read more on air filters here.

    A visual check will reveal if it is dirty. TorqueCars really rate the high flow washable sponge and cotton gauze air filters, you get more power and as its washable you save money in the long run.

    Anti freeze – gravity gauge will do this for you and top up as required. Always ensure that you have sufficient antifreeze to cope with a -20 degree temperature below your expected lowest temperature. Antifreeze acts as a coolant so it has a benefit in the summer as well.

    Washers – top up washers with a screen cleaner and clean water – cold pre boiled water will reduce bodywork streaking as does filtered water (Do not use washing up liquid!)

    Oil – Drain the old oil from the engine. First run the engine so that the oil is warm, place the catch pan under the sump and loosen the sump nut taking car that it does not fall in to the hole of the catch pan. Be careful as the oil is very HOT! I think we have all scalded our hands on hot oil at least once in our lives.

    When the engine is empty of oil replace the sump washer and sump nut and then fill the engine to top of mark on dipstick NEVER over or UNDER the lower mark. Pour slowly pausing and allowing the dipstick level to settle and check.

    It is generally better to be slightly under than over as it is much easier to top up than drain off the oil. It can take 5-10 minutes for the level to settle, aim to get half the dipstick level at first. Then when the car has been standing top up again aiming for the top level of the dipstick. Read more on engine oil here.

    Spark plugs – remove the old plugs and check them for pitting, oil fouling etc. This will tell you a lot about the condition of the engine and ideally the plugs should have a dark grey sooty appearance. If this is light grey the engine is running lean or black implies that the engine is running rich. (Greasy black plugs can indicate an oil leak).

    The new plugs should be fitted so they are finger tight so if you have a deep hole they drop into just use the plug removal tool as if it were a screwdriver until it is finger tight. Be careful not to cross thread it as you screw it in – this is why we suggest finger tight initially.

    Then make a quarter to half of an extra turn further using the grip and handle of the plug removal tool. If the plugs are not tight they could pop out causing a sudden loss of power and if they are too tight you could damage the thread in the head of the engine as this is softer than the thread of the plug.

    Suspension – Check shock absorbers for leaks and wear (bounce each corner of the car and it should settle again within 3 bounces). Check all bushes (rubber blocks and mounting points) and ball joints for signs of wear and play. Read more on suspension settings here.

    Lights – Check all lights (use a mirror or reflection in a window placed behind the car to check rears if you don t have a second pair of eyes to help). Don t forget the number plate light. Read more on headlight bulbs here.

    Oil door hinges with white grease (close and open the greased doors fully to ensure the surface is covered).

    Steering – Check rack and track rod ends for play. Wobble the wheel as you drive along and you should get a slight wobble from the car. If there is free play and the car takes a fraction of a turn to respond then get your steering checked out.

    CV Boots (FWD) – These are the rubber covers over the flexible joint from the gearbox to the wheels. Check these at full right and left lock for cracks. They will need replacing if they are cracked as the joint will dry out and wear very quickly.

    Brakes – Do the pads still have good depth left on them. Replace brakes if they start to squeal and preferably just before. If the disc is becoming glazed you can rough it up a little with a course grade sandpaper or wire brush. Apply a little copper grease to the movable parts taking care not to get this on the discs or pads!

    Check the brake fluid level and gravity – this should be renewed every 2-3 years in most cars. (Do not leave the top off the brake fluid reservoir as it sucks in water vapour and this is really bad for braking.) Read more on brakes here.

    Exhaust – Check for leaks/severe corrosion and make sure all hanger rubbers are there and not split. With a torch at night you can see very clearly any cracks or gaps in the exhaust. This is particularly handy for tracking down tiny exhaust leaks. Read more about exhausts here.

    Seatbelts – Make sure all seat belts fasten and give them a good tug to ensure they lock. If belts have become frayed, fail to lock or do not recoil when released replace them.

    Tyres (US Tire) – Check all tyres for cuts and damage to the sidewall. Check that the tread depth is legal and also take time to check the tyre pressures – this is something you should do weekly. If the pressure is low suspect a slow puncture and check thoroughly with water mixed with washing up liquid – bubbles will form where the puncture is. Read more on tyres here.

    Please join our friendly forum where you can ask questions and get more hints and tips on keeping your car in top condition.

    This entry was filed under Articles. Car care. You can leave a response below or join our forum to discuss this article and car modification in detail with our members.

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  • How to Tint Car Windows #trade #in #cars

    #car window tinting
    #

    Things You’ll Need

    Gather the following tools and materials: tinting film, an X-acto knife, razors, a blow dryer or heat gun, 4-inch squeegees, small sponges, a 4-inch hard card or Bondo card, a bone tool, and a spray bottle filled with a mixture of dishwashing soap and water.

    Cut the film in the shape of the windows. Set the pieces aside on a glass board or an area devoted to cut film. Some companies offer pre-cut film that you can order for specific models of vehicles.

    Use a 4-inch squeegee to get rid of any residue from top to bottom.

    Apply the tint to the side window. Leave 1/4 inch to 1/16 inch from the top edge of the window without tint. This will be covered when the window and door are closed.

    Employ the bone tool and push the tint below the inner rubber seals of the window.

    Use the hard card to make certain that the tint goes into all the corners.

    Take a heat gun or blow dryer in one hand and a squeegee in the other, and heat from the top on one side, working the tint with the squeegee on the other side in a horizontal motion. This should get out any remaining moisture from between the film and glass.

    Use the same procedure to apply the tint film to the front windshield. Note: In many states it is illegal to tint the front windsheild.

    Follow steps 3 and 5 in applying the film to the rear window. Don’t use the razor blade to prep the rear window because the blade can damage the rear defroster.

    Count the number of defroster lines on the back window.

    Cut the rear window film into the required number of panels.

    Place the first panel on the bottom, the second panel on top of the first, the third panel on top of the second and so on. Identify the defroster line where two panels overlap.





    How to sell your car privately – Money Advice Service #bentley #cars

    #selling my car
    #

    200,000 people are taking care of their money with our FREE money advice newsletter.

    Send me money advice

    Don t worry, we won t share your details. See our privacy policy.

    Selling your car privately is likely to get you the best price, as long as you’re prepared to invest some time and effort in organising your sale. Find out what’s involved – from advertising and paperwork to safety precautions at buyer viewings and when taking payment.

    Advertising your car

    Remember

    Don’t base your advertised asking price on guesswork. Instead, try using the car valuation tools on sites such as Glass’s Guide. Parkers. What Car? and CAP .

    Advertising your car is your first, essential step to a successful sale. There are many ways you can advertise, some free, others involving a cost.

    Like many private car sellers, your choice of advertising will probably be determined by how urgently you need to sell your car.

    Some of the most popular ways of advertising cars are:

    • In your local newspaper’s classified ads section
    • Car-selling websites such as AutoTrader and Gumtree
    • Car auction sides such as eBay and eBid
    • ‘For sale’ signs in local shop windows
    • A ‘for sale’ sign in one of your car’s windows

    Whichever option(s) you choose, your advertisement must by law describe the car accurately and include the following details:

    • The exact make and model
    • The year of manufacture and registration identifier (eg ‘09’ or ‘59’ plate for 2009)
    • Mileage
    • Condition
    • Colour
    • Full service history (or not)
    • List of equipment/extras
    • Your contact details

    Ensuring safe payment

    Once you’ve finished negotiating the price and agreed the sale with the buyer, you need to agree how they’ll pay the money to you. Here are the main options, with some tips to help ensure safe payment.

    Cash in full

    Make sure that you count the money. If possible, it’s a good idea to meet the buyer at your bank to take payment. That way, you can pay in the money immediately and the cashier will check that the notes are genuine.

    Immediate bank transfer using the CHAPS system

    Keep possession of your car until the funds have transferred. Bear in mind that with this payment method you have to reveal your bank account details to the buyer.

    Cheque or banker’s draft

    Make sure you have proof of the buyer’s name and address – possibly a copy of a utility bill – so you can follow them up if you don’t receive payment.

    If you have any doubts about them, don’t hand over the car keys until you know that your bank has cleared the full payment into your account.

    Most banks will show the cheque money arriving in your account by the next working day, but this is not the same as the cheque being cleared.

    A common fraud is to present a cheque for a purchase, get the bank to confirm that the cheque has been paid in, and the seller then releases the goods. A few days later the cheque bounces because it is fraudulent, but by then the seller has lost their goods.

    If your buyer wants to buy the car but can’t pay immediately. take a non-refundable deposit. £100 is the normal amount. This will help cover your costs if they pull out and you have to re-advertise.

    Essential paperwork

    As soon as you’ve been paid for the car, you need to complete the following essential paperwork:

    • Write a receipt and make two copies – one for you and one for your buyer. It should include the date, price, registration number, make and model, plus you and your buyer’s names and addresses.
    • Complete the tear-off part at the bottom of the V5C registration document (logbook) and send it to the Driver and Vehicle Licensing Agency at the address given.
    • Hand over the top part of the V5C to your buyer.
    • Give the new owner the car’s handbook, the keys (including any duplicate sets), the service logbook plus any receipts you have, and the MOT certificate if the car is over three years old. If you’re selling with a full service history, buyers also like to receive old MOT certificates and other maintenance receipts.
    • And finally, keep a separate note of the buyer’s name and address.

    Don’t be tricked by fraudulent buyers

    Did you know?

    Around 7 million used cars change hands each year in the UK, many of them through private sales.

    Selling your car privately can expose you to thieves posing as potential buyers. Here are some recent scams to be on the look-out for:

    • People wanting to buy your car using PayPal or similar e-payment systems – the account may have been set up using false credit card details.
    • Text messages expressing an interest in your car only for you to be charged at a premium rate if you respond by phone or text.
    • A buyer offering to buy your car unseen who pays the full amount through PayPal. You’re then notified that you’ve been overpaid and you’re asked to return the difference through a different online payment method. As you do that, the fraudster arranges for their original PayPal transaction to be reversed and you lose the money you’ve ‘returned’.
    • Someone posing as a car exporter, who asks you to transfer ‘shipping fees’ to overseas ‘buyers’.
    • Phishing emails from so-called car buying and selling websites requesting login and payment details for your card.
    • A buyer who pays by cheque and takes the car before the cheque clears, but the cheque bounces a few days later because it is a forgery or fake.

    Safety when people come to view your car

    As the people coming to view your car will usually be complete strangers, it makes sense to take some basic precautions:

    • When arranging a viewing, consider having a friend or family member present.
    • Ask the potential buyer to check with their insurance company that they’re covered to drive your car. Even if they have a “driving other cars” policy it will probably only provide third party cover. Contact your insurance company – you may need to get temporary car insurance for the test drive.
    • Ask the buyer for proof of identity and check that they have a valid driver’s licence.
    • Go with potential buyers on test drives and don’t hand over the keys until you are in the passenger seat.
    • Always remove the keys from the ignition before leaving a potential buyer alone in your car.
    • Be wary if a buyer brings some ‘tag-a-long’ friends – they may plan to break into your house while you’re out on the test drive.
    • Don’t hand over the car keys or documents until your bank has confirmed that it has cleared the full value of the vehicle into your account.

    You can find out more about how to protect yourself from fraudulent car buyers at the following websites:





    Is It the Right Time to Sell Your Car? Adviser: Car Advice on How to Sell a Car #daily #car #insurance

    #trade in your car
    #

    Is It the Right Time to Sell Your Car?

    For the majority of people trying to sell a car, it’s impossible to predict when the right buyer will come along or when you’ll get the best deal on a trade-in. Even if you’ve immaculately maintained your car, priced it right and placed a great ad. a responsible buyer who wants a car like yours is no guarantee. But while there is undoubtedly a little luck involved, timing is a much more important factor when selling a used car.

    Here are five questions to ask if you’re not sure that now is the right time to sell.

    Are you still paying your car off? If so, find out whether you’re “upside down” on your loan. Being upside down simply means that you owe more on your car than it’s worth—an unfortunate reality for many vehicle owners. Selling your car while upside down will result in a financial hit that may be difficult to absorb. Refinancing your loan may help you close the gap more quickly, but the best advice if you’re upside down on your loan is to hang on to the car as long as possible.

    To repair, or not to repair? Your old car may have some mechanical or cosmetic issues that would probably make it less attractive to potential buyers. However, don’t assume that you need to get everything fixed before selling your car, especially if you plan to trade in.

    “If you sell privately, I would recommend taking the time to get minor things taken care of, like new tires or brakes – anything that doesn’t cost too much,” says Tye Frazier, AutoTrader.com’s Customer Adviser. “For major repairs consider dropping your asking price, then find out the average cost of repairs in advance and use that to your advantage to let the buyer know that they are getting a good deal.”

    So be prepared to do some math if you own an older car, and ask yourself if the cost of a repair will be equal to its value in the eye of a potential buyer.

    How’s the weather? Your used car, like anything else for sale, is subject to many economical factors. including the simple laws of supply and demand. Understanding the market can help you pinpoint the right time to list or trade in your car. This can be as simple as taking a look out the window. Your convertible or sports car won’t be as appealing when the roads are iced over, but those conditions will be a huge selling point for your all-wheel drive SUV.

    On the other hand, “you never know who is searching for a vehicle,” Frazier says, “If you’re in New York in winter and someone in California likes your convertible, he may buy it.” In this case, however, you may want to consider a Run ‘til It Sells ad if you’re privately selling since your car may take a little longer to sell.

    What’s the price of gas? On a similar note, gas prices go a long way toward governing the latest automotive trends. A major consequence of the 2008 gas crisis was a drastic spike in demand for hybrids and fuel-sipping subcompacts. Many used SUV and truck sellers who waited for gas prices to return to normal levels were rewarded for their patience.

    What’s hot in your area? To get the best sense of your local used car market, do some research right here on AutoTrader.com. The information you acquire from your AutoTrader.com search results can help you determine when to list, and it can also help you set some realistic expectations for what kind of return you’ll get.

    The easiest way to gather useful data is to save a search on MyAutoTrader. Signing up is free, and it’s the best way to track what’s going on in your area. For example, repeating a search in your area over the span of a few weeks can tell you how long cars like yours are staying up on the site, how much they’re listed for, and how much competition you’ll have when you try to sell. MyAutoTrader can even send you an email to alert you when a car matching a certain description goes up on the site.

    Though luck plays a role, there are many factors that can help you figure out the best time to sell your car. There’s no way to predict when the right buyer will call, but if you answer the questions above and use that information to your advantage, you can certainly help sway the odds in your favor.

    Andrew Golaszewski is a staff writer at AutoTrader.com.





    How Much Does it Cost to Paint a Car? #car #engines #for #sale

    #car painting prices
    #

    How Much Does it Cost to Paint a Car?

    The Process

    A good paint job for a car requires extensive preparation, pricey materials and specialized skills. For this reason, the first factor in the price of painting a car will be the quality of work and the amount of time a garage puts into the job. First, the vehicle will be washed, the original paints will be sanded down and the chrome and windows will be covered. After the preparation has been completed, a thick primer is applied to smooth the body panels and provide some material for final sanding and smoothing. Next comes one or more layers of colored paint, often topped by a clear coat that adds some protection and depth of shine. Sometimes the clear coat is tinted with pigment, or contains additives for various finishes. Different paint shops may treat each stage differently. Some may run through preparation quickly, while others will take the time to do detailed work. The quality of work depends on what a consumer is willing to pay for the job.

    Materials

    Besides the cost of labor, several materials are included in the cost of painting a car. Someone who decides to paint his own car should expect to purchase some specialized tools such as a spray gun and covers for windows and chrome. Those who go to a garage will still be paying for primer, paint and the clear coatings. Because several layers of each paint are required, a full complement of decent materials can fall in the range of $1,000 to $1,500. But like everything else, these prices can change dramatically based upon quality. Top-of-the-line paints that change colors, or contain metallic, pearlescent or iridescent additives can cost more than $5,000, while the most basic varieties can be found for only a few hundred dollars. Some colors, especially reds, can also cost more. Vehicle size is an obvious if often overlooked consideration, because it takes three times as much paint to cover a Hummer as a Geo Metro.

    Labor

    Labor costs vary greatly in different areas. While quick paint jobs can be found for under $500, preparation is usually nonexistent and the application of paint tends to be uneven and sloppy. Most garages will complete the entire process from preparation to finish for $2,000 to $3,000 in labor. The cost of labor will also rise and fall with the size of a vehicle, largely because of the preparation process. Many garages include minor body work such as the removal of scratches and small dents during a paint job, but the best will take the time to sculpt a vehicle’s panels into dead-straight canvases for the thin paint to lie on. Often, it’s this preparation that makes the difference between a bargain re-spray and a stunning showpiece. Upper-end labor costs can reach $50,000 or more, but these prices tend to be reserved for vehicles that require lots of body preparation, or get specialized paint jobs like fades, two-tones, stripes or pinstriping, or candy colors that require very experienced painters.

    Final Prices

    With the combination of labor and materials, a typical decent paint job will be in the range of $3,000 to $4,500. It’s also worth bearing in mind that changing the color of a vehicle’s paint from stock can add 25 percent or more to the price, because the painters have to paint under the hood, inside the door jambs, under the trunk lid, and anywhere else the factory paint will show. The labor costs alone for a full color change can add up quickly, as all of these difficult-to-reach areas must be stripped, sanded, masked and primed like any other.

    Saving Money

    Certainly, you can save a lot of money spraying the vehicle yourself — but that isn’t usually practical given the buy-in cost of tools and materials, and the expertise required to lay down a good paint job. The reality is that very few first paint jobs end up as cheap as expected, or look like anything you’d want your friends to see; so it’s probably best to leave the spraying itself to professionals. But that doesn’t mean you’re stuck paying full shop prices. Prep work is something most moderately adept people can do at home, and the materials to do it are generally cheap and readily available. Putting in some elbow grease beforehand, and showing up at the paint shop with your car on a trailer, already smoothed, sanded and masked can easily cut thousands off the price of the total job. And you should get your car back in a few days, instead of a few weeks or even months.





    How to Buy Used Cars From Car Rental Agencies #vintage #cars

    #buy used car
    #

    Related Articles

    Car rental agencies frequently move their cars off their lots and replace them with new vehicles. As a result, they have to sell those used cars, which often have high mileage even though they are relatively new. According to AOL Autos, consumers can save as much as a third off the price of a new car by buying one of these vehicles.

    Step 1

    Narrow your choices down by identifying specific needs or wants you have: Does the age of the car matter? Do you want great gas mileage of a bigger car that can hold a family? Is this your time for buying a sports car or a hybrid? Some car rental agencies offer only cars that are 1 or 2 years old, while others have cars that have been around for as long as six years. They do not specialize in specific types or makes of cars, so you might find the same cars at several agencies.

    Step 2

    View the online inventories of the car rental agencies to see if you can find a car you want. For example, you can check Budget Car Rental at BudgetCarSales.com, Thrifty at ThriftyCarSales.com, Hertz at HertzCarSales.com and Enterprise at EnterpriseCarSales.com.

    Go to the location that has the used car you have in mind so that you can inspect it and take it for a test drive. According to Edmunds.com, used cars from rental agencies have typically been maintained very well, but you might still want to have a local mechanic inspect the vehicle. Check the value of the car on the Kelley Blue Book website (see Resources) to see how the price compares. Enter in the details of the car you are looking at under the Trade-In Used Car Values section to get an approximate value of the car.

    Arrange financing if you do not have cash to buy the used car. Car rental agencies have in-house financing or you can get your own auto loan through a bank.





    How Much Does Car Paint Cost. #cheap #used #car

    #car painting prices
    #

    How Much Does Car Paint Cost

    A car paint cost will vary depending on several factors. There are slight differences with the different types of car paint used for an auto car paint job.

    To understand why the cost of a particular paint is different from another, one should know the different factors that contribute to the cost of a specific kind of auto paint.

    There are several different types of car paint available on the market today and each type will have different costs. Based on the several factors, including the amount of paint needed, the finish and type of paint, auto paint prices vary greatly. The cost of each type of auto paint will also depend on the metallic qualities, finish, shade and pattern. There are four main types of car paint available enamel, lacquer, urethane and water-based paints. Each of these types of paints has their own advantages and disadvantages.

    Enamel Auto Paint

    Enamel auto paint or acrylic enamel car paint is tougher than acrylic lacquer paints since it dries to a hard shell. However, acrylic enamel paints do not go on as easily as acrylic lacquer paint. There are some enamel color paints that require a two-stage system. This means that a clear topcoat is used aside from the enamel paint. There are also some that use a single stage system wherein the enamel paint is the only one used. Enamel auto paints can set a car owner back about $50 a gallon, depending on the brand of paint they prefer.

    Acrylic Lacquer Auto Paint

    Acrylic lacquer auto paint, on the other hand, is probably the cheapest type of auto paint available on the market today. This type of paint is suitable for inexperienced car painters since it can easily be applied. However, lacquer is often considered a soft paint so it chips easily. Acrylic lacquer auto paint is also not chemical resistant so vehicles painted with this type of paint can expect to do regular paint jobs. Since acrylic lacquer paint is considered to be the least expensive, this type of paint can cost approximately $30 to $40 a gallon.

    Another type of auto car paint is the urethane-based paints. The acrylic urethane combines some of the characteristics of the acrylic enamel and acrylic lacquer paints. This type of auto paint can be applied easily and has the strength of enamel paint. However, urethane paints do require three other products for a complete look the color, a catalyst and a reducer. Urethane auto paints are a little bit more expensive and can cost up to $70 to $90.

    The newest type of auto paint that is fast becoming popular is the water-based paint. Considered to be the most versatile, water-based paints are generally used on existing paint jobs, metal and primer. This type of paint is also commonly used for customized paintings. However, there are currently not too many color choices for water-based paints. It costs about $120 a gallon.

    The brand of the paint is often a factor that contributes to the price of auto paint. Expect to have top quality brand paints, like DuPont Imron, to be a bit more expensive than generic, cheap brands of paint.





    Ship-A-Car: How to ship your car #custom #car #mats

    #ship a car
    #

    Auto Relocation Brokers

    Brokers act as the middleman between you and companies that perform the actual auto relocating-the carriers. Brokers own no trucks, no fleets, no terminals.

    Before you say that you don’t want to deal with “middlemen,” remember that brokers perform a valuable service because they are able to choose from a wide range of relocation carriers, according to your specific needs. Also, keep in mind that many relocation carriers may prefer to work through brokers. A good broker can work wonders for you by creating a vehicle relocation plan that’s just right for you.

    Carriers often charge that auto relocation brokers require a non-refundable deposit to ensure that you will follow through, and that brokers may not be able to guarantee door-to-door delivery. They also note that brokers have less control over pick up and drop off times, since brokers add another layer to the shipping process.

    Brokers, though, maintain correctly that carriers often do some of the same things, such as charging deposits and being unable to guarantee precise pickup and dropoff times. The main point is that there are more brokers than carriers, so there is more competition. Brokers know that they have to work harder to please their customers.

    Auto Relocation Carriers

    Carriers are the companies that do the actual hauling of the vehicles. Some of the larger auto relocation carriers have extensive fleets for hauling everything from motorcycles to family wagons to exotic cars. They may also have terminals that act as “jumping off” points for autos that are about to be shipped or those which they have recently received.

    Dealing directly with auto relocation carriers isn’t necessarily better than dealing with brokers. First, you would want to make sure that the carrier has a large enough customer service department that they can serve your needs. Remember, auto relocation brokers are mainly about customer service; carriers are mainly about shipping. You also want to make sure that the carrier can offer adequate insurance coverage, and that, if needed, they can arrange for door-to-door service. Many carriers require that the relocation service begin and end in terminals, which often are located in distant industrial areas.





    Why Women Pay Lower Insurance Premiums and How to Get Lower Rates for Male Drivers. #convertible #cars

    #womens car insurance
    #

    Why Women Pay Lower Insurance Premiums and How to Get Lower Rates for Male Drivers

    It is a well-known fact that men pay higher car insurance rates than women. However, what is not so well known is the reasons why men pay higher car insurance rates. Many people tend to believe it is simply because men usually drive much faster than women that there is such disparity in the rates. While this is true to a certain degree, there are other reasons as well.

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    Why Men Pay More than Women

    Many statistics show that men and women have about an equal number of car accidents every year; however, the types of accidents vary considerably. While women tend to be involved in many minor traffic accidents, men seem to be doing a much better job of causing a great deal of damage to vehicles. This is because men are usually much more aggressive drivers and drive at much higher rates of speed. So, because insurance companies pay out much smaller claims for the minor dings that are often associated with many women s fender benders, men suffer higher insurance premiums because of crash damage that tends to cost a lot more to repair

    Typically, women are quoted up to up to 20 percent less than men for their women car insurance quotes. Women receive a female insurance discount. Is there anything men can do to get these lower quotes?

    Working the Odds

    A car insurance company is a business. And, like all businesses, they will invest more in something if it comes with fewer risks, and invest less in something that comes with higher risks. Because car insurance companies are investing in drivers, the more likely it is that a driver will get into an accident and thus, cost the insurance company money, the less likely it is that the insurance company will give that driver a low rate on their insurance. These risks are calculated by working the odds. Men, on average, get into more accidents than women. Men between the ages of 16 and 25 get into more accidents than any other demographic. Therefore, their rates are the higher.

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    Picking Your Ride

    On average, men buy higher end sports cars than women. These cars are more expensive to insure. Also, there is a stereotype that someone who purchases a fast car will engage in risky behavior, like speeding, racing and showboating. Women tend to buy more practical cars with more safety features. Also, some insurance companies will automatically charge more to insure a red car, because red is perceived to be flashy and thus, may indicate a riskier driver.

    Saying I Do Leads to Lower Rate

    This lower cost is because married men have been shown to drive more defensively and get into fewer accidents than single men. Married men also buy fewer sports cars than single men; once they are married, they are more likely to buy family cars with more safety features.

    Be a Good Driver

    Men can always improve their insurance rates by having a clean driving record. By driving at or under the speed limit and always parking legally, men will decrease or eliminate their traffic violations. Fewer traffic violations leads to lower insurance rates. Also, driving defensively and taking as few risks as possible will lead to fewer car accidents. Fewer car accidents also leads to lower insurance rates.

    The best way for men to start receiving better rates on their auto insurance is to become better drivers and buy more sensible cars. This will not only improve their insurance rates, but will make the roads safer for everyone.