Don't Fear the Dealer - Tips for Buying Your First Car

Don’t Fear the Dealer: Tips for Buying Your First Car

Purchasing your first car is an exciting rite of passage, but it can also be overwhelming. Whether you’re buying new or looking at used cars, following these tips can help you get a great deal on an awesome car that fits your needs.

Stick to a Budget

Whether you’re purchasing a car outright or plan to finance, having a plan outlining how much you can afford to spend–and sticking to it–is a smart move. An Edmonton vehicle registration expert says that many who purchase their first car forget to account for all the other costs associated with a new vehicle. When you’re making your budget, don’t forget to factor in the monthly cost of insurance, registration, and regular maintenance.

Think About Your Needs and Wants

Your lifestyle and how you plan to use your vehicle is a key part of the decision about which car you choose to buy. Have a long commute? Look for something that’s great on gas. Live in a snowy climate? Four-wheel drive is a must. Beyond the needs, list some “wants” for your new car. While you may not get everything on this second list, it will help narrow down your options.

Do Your Research

Before heading out to shop, research cars that fit your criteria. Beyond your list of needs and wants, you’ll also want to look at factors like safety ratings, reliability, and value. There are plenty of great online resources that can help with this process, such as Kelley Blue Book, Edmunds, and U.S. News and World Report. These can also give you an idea of how much to pay for the car you’re looking for.

Shop Around

Head out to dealerships with a short list of cars you’re interested in checking out. While it may be tempting to drive right off the lot after test driving a vehicle you love, avoid the temptation–and the dealer’s pressure. By taking the time to shop around on prices, you may be able to get a much better deal, and be in a position to negotiate.

Read the Fine Print

Even if the monthly payment the dealer is proposing seems affordable, make sure that you’re also looking at the overall cost of the vehicle after interest. In general, it doesn’t make good financial sense to get a loan that’s longer than 48 months. If your monthly payment is too high with a loan of that length, look for a less expensive car.

By taking the time to do your research and shop around, you will have no trouble finding your perfect first car.

Informational Credit to Registrations Are Us

How to Protect Yourself from Deceptive Auto Sales Practices

How to Protect Yourself from Deceptive Auto Sales Practices

More than men are working the car lot these days, and sales people of any age and gender have one thing in common: They are notoriously good at persuading people to drive and then buy particular vehicles. They have a clear incentive to do this, namely that their business rides on making large sales that seldom exceeds a few a day. It is important for customer to be wise and a little wary.

Understanding the Psychology of the Auto Sale

Not all auto lots are overtly deceptive, but they do understand the chain of thought that leads to an impulse buy. They encourage people to drive around in a car and familiarize themselves. They then offer free brochures or discussions on the positive qualities of the vehicle. They might even show multimedia with snacks. All the while they are friendly. This is not wrong, but it is important to think major choices through.

Go with the Basic and Browse Extras Later

One of the most deceptive auto practices is to overprice extras. The vehicle itself is offered at competitive prices, and dealers sometimes slash prices low just to get attention. They make up for this loss by selling extras. This might include stereo players, safety features, and backseat video players. Often these additions can be purchased elsewhere for a lower price. Anything that can be bought now can likely be bought later.

Seek Out Your Auto Loan Ahead of Time

Many dealerships offer loans from banks to make the sales faster. It can go just as fast and with a better deal if the customer obtains a loan from the bank first. While the auto dealer might be working with a reputable lender, every convenience has a price tag. In all likelihood, a better interest rate can be obtained from somewhere else. First shop at your bank. They have special deals for people with accounts.

Beware the Used Car Lot

Any car on the lot of a used auto dealer could be in excellent shape or have weary internal components. What is sure is that the exterior and cabin of the car will look spic and span. Auto dealers have small garages that can fix cosmetic problems. While this thorough cleaning is a useful service, it conceals the age of a vehicle. Not all dealers run their cars backwards, most they will all act like they are as good as new.

Take Advantage of Fraud Detection Services

Because new vehicles cost tens of thousands of dollars, more than a few services exist to help identify fraud and title theft. They range from alert boards on the internet to professional agencies with the resources to investigate the paper trails of confidence crimes. The National Motor Vehicle Title Information System is a law that protects consumers, and instaVIN provides data under this law. Further information can be found at Vehiclehistory.gov.

Most lies by auto dealers are of omission. People who are obviously deceptive do not typically stay in business for very long. What to look for is the gray area between truth and lie, because this is where experienced peddlers like to play.

Truck Parts: How to Know When to Choose Used vs New Parts

Truck Parts How to Know When to Choose Used vs New Parts

When someone replaces a car part, the part may be used temporarily or until the part fails. Some parts need to be replaced periodically because the parts have a useful life, such as light bulbs or tires. Other parts will last until damaged from a collision or rust, such as bumpers, fenders or window glass. The electrical parts may fail because of excessive use. Batteries are usually replaced every three to five years.

New Parts

The parts that should be replaced with new parts are parts that have a useful life. Bulbs may be rated to last for approximately 50,000 hours. Tires may be rated to last for 60,000 miles because the tread will gradually be removed from the tire, which is caused by the friction between the rubber tire and road surface. Starters, coils, alternators, ignition switches, wiper motors and batteries should be replaced with a new part (Source: 99 Truck Parts & Industrial Equipment Ltd.). Timing chains, water pumps and gears have parts that simply fail after repeated use, such as seals or the links in the timing chains that warp. Seals may be damaged by heat, pressure or chemicals. Gears have teeth that become rounded after repeated use.

Used Parts

The used parts that will probably last are housings, such as the oil pan or the housing on an alternator. Sometimes a housing breaks or becomes warped from too much torque. A warped oil pan will usually leak. A broken housing on a generator may have a missing section that is used for a bolt. Door handles, seats, steering wheels, armrests, dashboards and dome light lenses can usually be replaced with used parts. The parts that can be replaced with used parts are stationary parts that have no moving parts. Parts that move during operation may have a useful life, such as pistons or windshield wipers.

Some new parts may not be currently available, which would require someone to temporarily use a used part. Tires may not be available in every size at a store when someone needs to buy a new tire. Therefore, a used tire could be temporarily mounted on the vehicle. Vehicles have specialized parts for each model, which may require that someone temporarily use a used alternator or wheel drum until a new part is available. Wheel drums can be turned but the process removes some material from the part and reduces the useful life of the part. Therefore, some used parts may be temporarily installed in emergency situations.

7 Reasons to Buy Insurance Online

6 Reasons to Buy Insurance Online

Living in the digital age, consumers are presented with the choice to buy products and services in person or online. Many consumers enjoy the personalized service they receive while conducting business offline, but there are many advantages to utilizing the internet to purchase services. Let’s examine some of the reasons you may want to purchase an insurance policy online.

Convenience

With busy work and school schedules, getting to an office during standard business hours can sometimes be challenging. Instead of taking time off of work or missing a class, insurance policies can be researched and purchased during anytime of the day or night.

Immediate Answers to Questions

Thanks to the internet, consumers now have access to vast amounts of information. Your insurance company’s homepage provides a trusted and accurate source to research any questions or concerns you may have. Depending on your insurance company, you may also have access to a live chat with a representative at your insurance company. This means you have an expert’s advice right at your fingertips.

Compare Apples to Apples

One of the great advantages of buying insurance online is you can always start getting a free quote. Almost every insurance company now allows you to have the ability to get a free quote online. Ideally you should get multiple quotes from different insurance companies like Allstate, Geico, State Farm, or Anthony Clark Insurance Ltd. and compare them side by side to see which company and policies work best for you.

Lower Prices

When you purchase insurance from an agent’s office, they act as a middle man. Oftentimes, when you purchase a service directly from the provider, you avoid the fees an agent may assess. The internet is a hyper-competitive marketplace, with each company attempting to undercut the other’s prices.

Ability to Research the Company’s Reputation

The internet has given power to the people by allowing consumers a venue to review their experiences with their insurance provider. You can a get a real-life feel for how your insurance company is going to treat you when you file a claim, as well as their general ethos of customer service.

Immediate Access to Documents

When you purchase a policy online, you have immediate access to your policy documentation, as well as proof of insurance. Many companies now also offer access to your policy documentation on your tablet or smartphone.

Ease of Communication

With the ability to communicate and file a claim online, gone are the days of waiting on hold and wasting your precious time. With online chats, online claim forms and email, communication will be streamlined and well-documented.

There is a plethora of advantages to purchasing insurance online. Essentially, you will be saving time, money and hassle when you choose to shop electronically. Insurance provides protection against the unforeseen worries and hassles of life. Purchasing this protection can be easy and hassle free, thanks to modern technology!

 

Diesel Performance Parts to Drive Up Your Horsepower

Diesel Performance Parts to Drive Up Your Horsepower

Diesel trucks are known for their powerful engines. Recent developments with diesel engine design have launched an entire new generation of diesel trucks that have taken the truck industry by storm. However, many diesel truck owners want more power than what the standard diesel engines provide. Here are some things that truck owners can do to boost the power in their vehicles.

Match the Right Diesel with the Right Demand

New generation diesel trucks have invaded the auto market. These heavy duty trucks are becoming more common as time goes along and the technology that goes into their engines have made them fuel-efficient options for potential truck owners. The major American automakers have developed and released diesel engines for heavy duty trucks, including the Dodge Cummins and the Ford Powerstroke diesel engines along with GMC and Chevrolet diesels. Based upon what the truck will be suited for, potential truck owners need to pick a strong candidate for their truck selection.

Understand the Difference between Power and Performance

When it comes to diesel engines, power is oftentimes confused with performance. Yet, power represents the potential capabilities of an engine to deliver, while performance has more to do with the truck’s actual delivery under demand as well as its ability to continue to perform time and time again. Truck owners need to know the difference between the two.

Identify a One Stop Shop for Diesel Power and Performance Parts

Finding decent diesel parts is a concern for diesel truck owners, but high performance diesel engine parts are available for most heavy duty trucks with diesel engines. For example, truck owners can rely on Pure Diesel Power for GM and Chevy high performance diesel parts. With a one stop shop for diesel power and performance parts, truck owners can beef up diesel power and performance in their trucks project after project.

Determine Whether to Rebuild or Enhance

Many of the options available to boost power in diesel engines relate to enhancements. Unlike gasoline engines, diesel technology can help increase both engine performance and power with just a few upgrades, like of the cooling system or the exhaust system. Additionally, the diesel engine’s fuel economy remains a burning question for diesel truck owners in publications like Diesel Power Mag as they keep their eyes peeled on miles per gallon (MPG).

 

Boosting diesel power increases performance, making truck owners fall in love with their diesels all over again.

7 Ways to Get the Best Car Insurance for You

7 Ways to Get the Best Car Insurance for You

Many car owners find that the cost of auto insurance is high. Although car insurance companies offer discounts, you should follow a few steps so that you can pay the least amount of money for coverage.

Compare The Rates for Different Cars

After you purchase the car that will fulfill your needs, contact several insurance companies and compare the premiums. The costs will vary because of repair rates and the risk of theft. According to Meyer’s Insurance Ltd., your age and gender will also affect your rates. You will also want to keep in mind that the quote will vary from company to company depending on what services they offer. This allows the insurance companies to stay competitive.

Avoid Coverage Gaps

If you plan to switch policies, do not let your coverage lapse; this commonly happens when drivers forget to make their premium payments. If this happens, your rates will probably increase.

Maintain Good Credit

When insurance providers determine your insurance rates, they will usually check your credit score. They do this because they discovered a correlation between poor credit and the possibility of obtaining a claim.

Request a More Expensive Deductible

If you want to reduce your premiums, you should increase your deductible. Though, you must ensure that you have the funds to cover the deductible in case you have an accident. However, on the flip side you will pay a cheaper premium.

Claim Every Discount

If your vehicle has theft prevention features, the insurance company may reduce the cost of your premiums. You can get discounts for a wide variety of things from good driving, to going so long without getting a ticket, or maintaining good grades in school.

Drive Safely

You should never drive badly because bad driving will increase your insurance rates. In some cases, poor driving could lead to a canceled policy. If you have an accident, your insurance cost could increase by nearly 40 percent.

Bonus Information – What Is Good Auto Insurance

Cheap car insurance does not mean that you purchased the proper type of coverage or the correct amount of coverage. If you have good coverage, this means that you won’t pay a lot of money out of your pocket after an accident.

If you are shopping for an auto insurance provider, select a company that complies with state laws; this will keep your lenders happy.

Bonus Information – Selecting The Best Coverage

Every state has unique financial responsibility laws that determine the amount of insurance a driver must have. Though, if you only have a few assets, the least amount of insurance probably will not be enough. So, discuss how much coverage is needed and the coverage options with the insurance company. Basic coverage options include collision, towing and labor, comprehensive, medical payments, rental reimbursement, GAP coverage, and uninsured motorist.

If you have a lease on your car, there will be other coverage requirements. Ensure that you understand each requirement after you review the lease agreement.

Quick Guide to Learning Who is at Fault in a Car Accident

Quick Guide to Learning Who is at Fault in a Car Accident

It’s highly unusual for a person not to be involved in a motor vehicle collision in their lifetime. ICBC reports that there are nearly 50,000 motor vehicle accidents in British Columbia each year. Motor vehicle accidents also involve pedestrians, motorcyclists and bicyclists. A determination of fault is needed to decide who is going to pay for damages to person and property. There are general approaches involved in determining who was at fault, and you can also get specialized advice from injury lawyers.

Evidence at the Scene

Evidence collected by police at the scene of the accident includes an assessment of location of damage to the vehicles, road conditions, statements from drivers, statements from any witnesses and drawings. After that information is collected, it’s compiled in a police accident report. Insurance companies and attorneys often use these reports to determine who was at fault. They’re generally available a few days after an accident at a minimal cost.

The Phone Call

It’s not at all unusual for an insurance adjuster to contact all of the parties involved in an accident for purposes of determining fault. What people might not realize is that these conversations are often taped. Notwithstanding the allegedly liable party’s insistence of innocence in court, they might have given an entirely different version of events in a recorded statement taken two years earlier. Recorded statements such as these are often used to contradict conflicting in-court testimony.

The Witnesses

Statements of eyewitnesses can be pivotal. In urban areas, traffic or security cameras might be better than eyewitnesses. If an injury attorney sees a fault issue, it’s not unusual for them to travel to the accident scene. They’ll spend time there on foot, walking the area, observing and photographing, all to get a better understanding of exactly what happened. Getting dirty, wet and cold sometimes is part of representing accident victims.

The Ticket

Contradictory statements made by a person under oath or against their own self-interests can be used against them in the future. A guilty plea to a traffic ticket can be used against the person who pled guilty in a subsequent injury case. Although one might maintain their innocence at trial, a certified copy of that guilty plea two years earlier can change minds on the issue of fault.

If you are involved in a car accident, be sure to keep all your details in order so that you can end up with the most favorable results, whether the accident was your fault or not.

 

Information Credit: Bronson Jones & Co

The Five Best Luxury Cars of 2014

The Five Best Luxury Cars of 2014

Whether you’re looking for an entry-level luxury car or you’re shopping for the best in its class, this list encompasses the absolute five best luxury cars of 2014. These should be your top selections when you head out to test drive, based on features, trim levels, power, and other key factors.

2014 Cadillac CTS

Ranked the best large luxury car by US News and World Report, the CTS is lauded for its combination of athletic, sports-car like handling and intense power, along with a truly high-end interior with luxurious finishes. Fully redesigned for 2014, this sedan starts at just $33,691, but can run all the way up to $66,929 for models with certain optional packages.

2014 Audi A6

If you’re looking for an amazing driving experience, look no further than the Audi A6. A variety of engine options make this the best choice for the driver who wants truly customizable power. The A6 doesn’t skimp on the interior features, either, with even the base model ($41,681) coming standard with leather upholstery, heated front seats, a sunroof, climate control, a 10-speaker audio system, Bluetooth, satellite radio, an iPod interface and infotainment system.

2014 Mercedes-Benz E-Class

With plenty of updates for 2014, the E-Class again proves itself to be one of the best luxury sedans in its class. This new model year brings updated styling for both the interior and exterior for a sleek, modern look, as well as a new turbo diesel base engine. The E-Class, starting at $48,071, also boasts excellent fuel economy and plenty of trunk space.

2014 Hyundai Genesis

While you may not associate the name Hyundai with this class, this model is a fantastic option for those looking for a luxury experience at a high-value price. The Genesis, starting at $33,939, offers impressive handling and a gorgeous interior. Standard features in the base model include a powerful engine, proximity key, push-button start, heated front seats, leather upholstery, Bluetooth and satellite radio.

2014 Lexus GS

This particular Lexus is notably one of the best luxury cars for families. To that end, it offers extremely comfortable seats, a luxurious interior, and excellent safety and reliability ratings. These ratings, according to a Calgary auto insurance specialist, can result in lower insurance rates from some providers. Starting at $46,733, the GS also boasts top-quality interior materials and a bevy of features to please even the most tech-savvy clan.

As you shop for a luxury car, be sure to also shop for the highest-quality auto insurance to protect the substantial amount of money you’re investing.

Informational Credit to Thomson Schindle Green Insurance & Financial Services Ltd

Six Tips for Buying Your First Sports Car

Six Tips for Buying Your First Sports Car

Sports cars are designed for motorists who crave an exciting, high-speed driving experience. A sports car’s fun-to-drive nature can transform any boring daily commute into a thrilling adventure. If you’re in the market for a fun new ride, here are six tips for buying your first sports car.

Price Tag

The cost of a new sports car can range from $20,000 to upwards of $1 million. Before taking a trip to the dealership, take the time to construct a budget. Contrary to popular perception, a used sports car can be just as thrilling as a brand new model. However, keep in mind that a new car will come with a longer warranty, whereas a used model may have none at all.

Performance

The performance of a sports car varies from one model to the next. Although a high-powered muscle car will deliver the thrills, you usually have to sacrifice some fuel efficiency. If you plan to use your sports car as your primary form of transportation, you may want to choose one with a four-cylinder engine. Efficient sports car models, like the Subaru BRZ, are able to deliver over 30 mpg.

Maintenance Costs

Some high-end sports cars will have to be maintained by a specialized technician. If you are the sort of car owner who likes to perform your own maintenance, select a sports car that is easy to work on. Typically, the replacement parts for a limited production sports car will be more costly, so be sure you choose a common model with low-cost parts.

Auto Insurance

The cost to insure a sports car is usually more expensive than a regular sedan. Insurance companies, in general, consider high-performance cars to be more risky. According to a Newfoundland auto insurance specialist from Steers Insurance Limited, a vehicle’s horsepower and crash test rating have a major influence on its cost to insure, so many sports car owners end up paying more than other drivers. If you want to save money, choose a safe sports car that has less than 220 horsepower under the hood.

Roominess

Leg room may not be a concern for drivers of average height. On the other hand, taller drivers need to pay close attention to the vehicle’s ergonomics. Cramming into a car that is too small jeopardizes your comfort and safety. If your knees touch the steering wheel, choose another ride.

Consider Your Driving Skills

If you are a first-time sports car buyer, you should think twice before choosing a car with a monstrous engine. You may not be able to handle the tremendous amount of available power. Although shifting a manual gearbox can be fun, it can be difficult in heavy traffic, so if you’re doing a lot of city driving consider sticking with an automatic transmission.

There is no denying that owning a sports car can be exciting. However, keep these six tips in mind when searching for a high-performance driving machine.

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Simple Strategies To Save Money With Auto Insurance Policies

How can people reduce increasing auto insurance costs and save a lot of money today?
Most people try to follow shortcuts while trying to avoid extra auto insurance costs. However, in the end, such people end up incurring even more costs which can be avoided if only they devise cost-saving strategies. Period! It saves a lot financially knowing the right auto insurance policies and going for the right bargain. For this case, all troubles related to the extra auto insurance costs can be gotten rid of in a number of ways as explained in the following points:

Ways of Saving Auto Insurance Costs Today
• Look for insurance company which provides customers with the easiest auto insurance free quotes in town. Thus, to get such a good insurance company with free quotes, it means that people will always be privileged to have less demanding ways of avoiding ever-increasing costs of auto insurance. In order to sustain this privilege, people should stick strictly to that insurance company by always accepting its terms and conditions.

• Forego all the insurance covers which are not necessary. Rather, an auto owner can combine policies with only one carrier in order to avoid extra insurance charges. For example, one can insure trailers and small vans on a single insurance policy and save more from a single company. This is a money saving idea because insurance companies can reduce premiums on other covers such as road accidents, fire, theft and many more.
• Bargaining with an insurance company in order to give out special insurance offers and discounts which might be present is a wise cost-saving idea. For example, you can bargain if you are a retired person and old enough and have never caused any accident in life. Further you can ask for discount for teens that go to college with automobiles. This saves quite a good deal of insurance money.

• Buy an automobile that does not require frequent or regular substitution. This is to mean that changing an automobile on a frequent basis tends to increase the insurance costs all the times. Therefore, it good buying a moderately priced automobile that is not luxurious, imported and too expensive in the market. This is because such cars have got a lot of premiums that are attached to them. So, the only way out is just buying a nice and a moderately priced car which has got a good safety rating and which will not require any substitution in near future.

• Try to avoid filing of minor claims to the insurance companies even in the case of possible free auto insurance quotes. It is known that such claims tend to drain auto owners a lot of money while trying to compensate for damages caused. For the dents, scratches and dings, it is important to argue the case out and make the recommended repairs using the out-of-pocket money.

In conclusion, HM Revenue and Customs (HMRC) commission has made things easy and it only requires people to master their own NI card number. For this case, it is not necessary carrying out the cards wherever they go. The good thing is that auto insurance companies still consider these plastic NI card and people have good time while applying for auto insurance covers for their automobiles.