What is Full Coverage Auto Insurance? Allstate


#full coverage auto insurance
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What Is Full Coverage Auto Insurance?

Video Transcript

Explainer Video (1:58): “What Is Full Coverage Auto Insurance?

Announcer (voiceover). What Is Full Coverage Auto Insurance?

Announcer (voiceover). When people use that term, they often mean a combination of various types of coverage. But, “full coverage” doesn’t actually exist.

Announcer (voiceover). Don’t worry, though. Plenty of auto insurance options do exist to help protect you. Let’s talk about a few.

Announcer (voiceover). Cause an accident? Liability coverage is designed to cover injuries or damage to another person or their property in an accident you cause.

Announcer (voiceover). Hmm what about your car? If you’ve caused an accident, collision coverage can help pay for your vehicle’s damage.

Announcer (voiceover). Maybe your car’s damaged, but not from a wreck. If your car’s stolen, or if something falls on it, that’s where comprehensive coverage comes in.

Announcer (voiceover). Uh-oh. An uninsured driver rear-ended your car? Don’t worry uninsured and underinsured motorist property damage coverage may help in that scenario.

Announcer (voiceover). Medical payments coverage or personal injury protection may help pay for medical bills and other costs if someone gets hurt.

Announcer (voiceover). Worried about your new car getting totaled right after you buy it? You’ll want to check out new car replacement coverage.

Announcer (voiceover). Let’s say your car is in the shop for repairs after you get into an accident covered by your policy. That’s when rental car reimbursement coverage would be helpful.

Announcer (voiceover). And if you’re looking to be as protected as possible, there are even more optional coverages to choose from.

Announcer (voiceover). So, to recap, there are several kinds of auto insurance coverage you can select, including:

  • Liability coverage
  • Collision coverage
  • Comprehensive coverage
  • Uninsured and underinsured motorist coverage
  • Medical payments coverage, personal injury protection
  • New car replacement coverage
  • Rental car reimbursement. and more.

Announcer (voiceover). Ready to start exploring your options? Contact an Allstate agent today!

(Hand writes: www.Allstate.com)


What Is An Average Interest Rate On A Poor Credit Car Loan Bad credit no money down used car loans 2014.


#poor credit auto loans
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What Is An Average Interest Rate On A Poor Credit Car Loan

Do you have poor credit? Looking out for a car at some stage or the other in life is a common thing. Even if a person has a poor  credit history, the desire to buy a car cannot stop him from finding different ways of buying it. There are a number of people, even after having a bad credit are still on the look out for a new car.

They may also not be fully aware of the interest rates or APR that will be required to be paid for the loan that they will avail from the loan company. As regards the rate of interest, they really do not know, exactly what rate of interest will be asked by the car dealers.

Market conditions affect the rate of interest:

The average loan rate for cars can be anywhere between 4% to7% for those having a good credit. The rates of interest depend greatly on the source that you are going to use for financing the car. It should be noted that the market conditions also affect the rates of interest on the car loans.

The rates can vary dramatically, when the borrower has a bad credit. For instance, an average subprime poor credit score of 550 could give you interest up to 14.29% The varying rates of interest on the car loans are to be well understood by the borrower of the car loan. Hence it is a very crucial issue for the borrower to find the right financing company or auto dealer for the auto vehicle.

A good source like credit.com offers advice that enables the borrower to have a fairly reasonable rate of interest to be paid for the car.

A car having in-house financing even attracts interest rates of 20% and even up to 28% depending on the place you are staying. I would advice against in house financing and refer instead to credit union for car loans. The maximum interest credit union can charge for a car loan is 18%.

Some of the establishments that charge such unreasonably high interest rates were actually unregulated in the past, and to regulate them the state laws had to intervene to control such situations, so that things don’t go out of hand.

There is no such thing as an average interest rate on a car loan:

Many variables and conditions are responsible for determining the rate of interest on the car loans. Many factors are responsible, when you wish to obtain the lowest rate of interest for your car loan, even when you have a very poor credit. It is the lending source that determines the rate of interest.

There can be a possibility, where you have to pay a higher rate of interest on car loan with poor credit, than someone else who has a credit history that is excellent. So it is best if you do a thorough research and explore all possibilities before you accept any offer of the interest on the loan.

Accepting an interest rate of above 12% needs a thorough research from your side. Having to make unnecessary high payments of interest could be the worse thing that you can face. Improving your credit in the future and getting ahead with payments, gets more and more difficult as you keep shelling out huge amounts on the interest.

Making use of the reputable and legitimate sources available online are very useful in obtaining the lowest interest rates on your car loan. Services offered by the lending companies keeping varying from one another. Some of the lending companies may be more reputable than the others, so it is important for you to be doubly sure before you finally sign the loan contract.


South Motors Infiniti Miami


#infinity auto
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Miami Infiniti shoppers: Get promotional lease and finance offers from South Motors Infiniti in Miami.

Shop South Motors Infiniti Certified Pre-Owned vehicles with up to a 6 year / 100,000 mile limited warranty

Your Infiniti Dealer in Miami, FL

South Motors Infiniti is a Miami, Florida new Infiniti car dealer offering new car sales, used car sales, Infiniti service and parts open 7 days a week.

Whether you are shopping for a new vehicle or servicing your current one, price can be a very important factor. Which is why we strive to provide our clients the best value and simple, honest pricing customized to fit your needs and budget. We work with a variety of lease and finance options engineered to find the right car at the right price and payment.

“Treat every customer like family”. That’s the promise our founder Charles Dascal made when we opened our first store over 50 years ago, and it stands to this day. We are a family-owned business that’s been operating locally for over 50 years. Born and raised right here in Miami, we take great pride in our hometown roots. We are a committed member of this community, and we hope to prove it by delivering on our longtime company promise.

Today, tomorrow and for years to come, we are here to answer your questions and help you keep your vehicle running like new. And we do it all on one schedule – yours. Our service and sales expertise is available seven days a week. We offer full service, repair and body shop services for all vehicles. From tires, batteries and routine maintenance to factory-certified collision repair, we offer a one-stop-shop for all your service needs at an affordable honest price.


What are the Best Auto Refinance Companies?


#auto refinance
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What are the Best Auto Refinance Companies?

Capital One Auto

Capital One is a large financing conglomerate mostly known for its credit cards. Its auto loans, however, are among the most available in the business. Rates are constantly fluctuating, but it’s possible to get a refinance rate as low as 4.34 percent, as of January 2010. Benefits of Capital One Auto include competitive interest rates, no prepayment penalties (if you pay off the loan early), and quick approval–sometimes within 24 hours. It’s also possible to handle the entire transaction online.

Wells Fargo Financial

Wells Fargo is another large banking institution dealing primarily in consumer personal loans, mortgages and credit cards. Its auto refinance program, however, is reputable and competitive. While Wells Fargo’s interest rates on car loan refinances typically track higher than those of Capital One, the bank is one of the few lenders to offer cash out on auto refinancing. Some customers are able to reduce their payments each month and receive money by refinancing. The auto loan program is also quick and can be handled online.

Bank of America Auto Refinancing

Bank of America is one of the largest banking institutions in the United States. Customers can qualify for an auto refinance rate of 4.34 percent, as of January 2010. Customers who sign on with Bank of America also get financial options available to all customers of the bank. Bank of America auto refinances can be approved in as little as 60 seconds.


What is a Bumper to Bumper Warranty?


#bumper to bumper auto parts
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What is a Bumper to Bumper Warranty?

Page 2 of 4

Powertrain v. Bumper-to-Bumper

The two major manufacturer warranties are commonly called the powertrain car warranty (which covers the engine, transmission, and drivetrain) and the bumper to bumper car warranty. The bumper to bumper warranty is in place to provide protection for what s excluded by the powertrain warranty (which is why it s sometimes referred to as the basic or standard new car warranty). You can think of the powertrain warranty as covering the parts that make the car go, and the bumper to bumper warranty covers most of the other parts you and your passengers will use. If a non-engine-system part, like your fuel system, brakes, power steering, sensors, audio system, lights, or climate control, fail during the warranty period, your new parts and dealership service charges will probably be covered by the bumper to bumper warranty. Other miscellaneous parts are sometimes included, such as seatbelts and airbags. The bumper to bumper warranty often includes the battery; if not, the battery might be covered under its own policy. And sometimes, factory accessories (like stereo equipment or dealer-installed options) are also covered against defects.

Don t take the term bumper to bumper literally, though there are lots of exclusions to the standard bumper to bumper warranty, and though the name might imply that everything on the car is covered, that s definitely not the case. Keep in mind that most bumper to bumper warranties do not include repairs or replacements to the car s wear parts. These are parts that, due to necessity or design, have a limited lifespan, especially parts that sometimes need to be replaced prematurely due to driver abuse (which your dealership s service department counts as any out-of-the-ordinary or excessive usage letting your friend use your car to practice driving a manual transmission definitely counts as abuse on your clutch). There are lots of other examples of wear parts on any car think of air, fuel and oil filters, brake pads and shoes, sensors, windshield wipers, and light bulbs. Generally, dealerships and manufacturers also count glass parts like headlight lenses, windows and windshields in this category a crack caused by a stray rock isn t a manufacturing defect and won t be covered. The paint finish and body panels also aren t covered under the bumper to bumper warranty, although many manufacturers offer a limited warranty against excessive body corrosion in case there are flaws in the metal or finish. Also, tires are considered a wear part, but new tires usually come with their own specific warranty directly from the tire manufacturer.

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Pay Attention to the Fine Print

While you re shopping, keep in mind that bumper to bumper car warranties vary, and the coverage changes from manufacturer to manufacturer, model to model and year to year. You might find that deal you read about online is different for the car you re test driving at the dealership. If you re shopping for a new car and good warranty coverage is one of your main criteria, check the fine print carefully for limits and exclusions the paperwork will spell out exactly what you re entitled to when something goes wrong, so keep all your documents handy. Bumper to bumper warranties are defined in a year/mileage limitation format. Terms such as three years/36,000 miles and five years/60,000 miles are common. The warranty expires as soon as the odometer rolls over the mileage threshold or the time limit is reached whichever comes first.

If you re shopping for a late-model used car, some of the bumper to bumper warranty coverage might still apply. And if you re hoping for a break on a repair on a car you already have, review your documentation and be careful if you take your car to the dealership and your warranty claim is denied, you ll probably be charged for diagnostic and reassembly time. Also keep in mind that bumper to bumper warranties often expire faster than powertrain warranties don t get your coverage benefits confused.

Some luxury automakers include regular service, like tune-ups, fluid changes and tire rotations, as part of their bumper to bumper warranty (although some manufacturers offer these or similar benefits under various program names). And some bumper to bumper warranties cover roadside assistance, which comes in handy if you get a flat tire or dead battery, or need your car to be towed.

Need more peace of mind than a bumper to bumper warranty can provide? Consider coughing up for an extended warranty, which will provide a longer term of coverage but usually costs quite a bit more. Generally, extended warranties kick in after the bumper to bumper term expires and provide similar coverage, but as always with car paperwork, make sure you read the fine print.

More Articles Like This

What is a Powertrain Warranty?

What is an Aftermarket Warranty?

What Are Extended Auto Warranty Plans?

What is Auto Warranty Insurance?

Tips on Buying an Extended Car Warranty

What Does “As Is – No Warranty” On A Used Car Mean?


Wescom Credit Union


#auto loan rates
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Auto Rates

* All Annual Percentage Rates (APRs) shown above are for qualified borrowers and include a 0.50% discount for Platinum Signature Membership, a 0.50% discount for Wescom automobile insurance policyholders and a 0.25% discount for Automatic Payment from a Wescom Checking Account. The Platinum Signature Membership discount does not apply to members who are disqualified from Signature Membership.В Learn more about this Signature Member benefit. Some restrictions may apply. Loan approval subject to credit and income evaluation. Rates subject to change without notice. Other rates are available and your APR may vary based upon the model year, term and credit history.

** Up to 130% Manufacturers Suggested Retail Price (2015-2016 and 2014 model year vehicles with 7,500 miles or less) or Kelley Retail Blue Book.

Maximum term based on various factors including amount financed, model year and credit history.

130% new car financing includes tax, luxury tax, license, mechanical repair coverage, extended warranty and guaranteed auto protection (GAP). Other financing assumes down payment or trade-in for balance of purchase price.

Other rate programs available. Rates for Wescom refinanced loans slightly higher.

Insurance services offered through Wescom Credit Union, CA Ins Lic #0D64850. Other terms and restrictions may apply to the discount. Please call for details.


Wells Fargo Auto Loan with 590 FICO – myFICO® Forums


#auto refinance bad credit
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I’m new to the boards and have been reading for a couple months but this is my first time posting! I wanted to share my story:

I have been car shopping for 2 months, I have a BK chap 7 (discharged 10/11) I’ve heard stories that after a BK auto loans and credit cards are basically beating down your door, well not mine I filled out a couple of apps for store cards right after my discharge and was turned down for each one, I went to Carmax and applied for a car and was denied (I think it was due to low scores and putting no money down in my app) I then applied for Roadloans and was approved but couldn’t come up with the downpayment in time so the offer expired, when I reapplied for Roadloans, I was denied. I decided to order my credit reports in Jan thru Experian and these were the scores I was given: EX 541 / EQ 567 / TU 600, I signed up for Experian’s credit monitoring service and didn’t apply for anything for 3 months, I also disputed a lot of things that weren’t reported correctly after the BK and updated my address employer info. There were 2 addresses on my report that didn’t belong to me ever so I added a consumer statement.

With Experian you are given a statement montly and a new report every 90 days so in March when I went to refresh my report, the site wouldn’t let me, I spent hours on the phone with customer service and was told I didn’t have a credit report. say word. I was being told that when my ss number was ran, NOTHING came up. I explained that #1 I am 42years old and have used credit since I was 18 or so and that I ran my report in June 2011 before my BK and again in Jan 2012 with no issues.

When I got notices my disputes were done, I tried applying for credit again. nada, turned down for everything. Mid- April I decided to car hunt again, I went online and searched “bad credit auto loans” and ended up applying with Auto Credit Express, I dealt with Ford, I was looking for a used Jetta and they had a couple on their lot, long story short it was a horrific experience, they never kept their word and played lots of games, ultimately I was approved for 14k thru one of the subprime banks they deal with, they wanted 5k down and an APR of 25%, and my payments would have been $320 on a 2009 Ford Escape, I almost took the deal b/c I know my credit scores were low but because of some other incidents dealing with their sales people I walked away. Now to the good part-

I decided to just find VW dealer since I wanted a 2009 or above Jetta SE, I was scared to apply with VW because I thought I wouldn’t meet their credit requirements, I went down, test drove and told the salesman all of my credit woes before applying, he submitted me for a 3 year lease thru VW but I was declined, they stated I had to either have a co-signer or a significant downpayment (I told them I could do 3k but they wanted at least 6) so the salesman said he would try some of their other lenders as a purchase loan not lease, Wells Fargo approved me for 14k with 3k down, my payments are $350.76 and my APR is 16.9 %, I was floored, approved for the same amount as the Ford folks but with a better APR and less $ down. VW gave me a copy of my credit results and they were: EQ 526 / TU 517 / Experian unknown.

I want to point out that I went to a couple different dealerships and was told without at least 5-6k down they couldn’t help me, I also received denial letters from Wells Fargo (3, one from Ford, one from Hyundai and one myself applying as a consumer) this last time around I got a call from Wells to verify some info and I asked him about the 3 denials and he said he too was having issues running my credit that with Experian and TRW it came up blank, zero score, no tradelines, no nothing not even the BK. he thought maybe it was because of the disputes (I did online disputes with EQ TU but EX would not let me, I had to request report by mail and am still waiting) He also said a lot of times the approval depends on the banks relationship with certain dealers. I’m not sure what’s going on, maybe there was fraud, maybe my disputes but there is some issue with me and Experian and I can’t wait to fig it out.

I know this was long, hopefully it made sense, lastly I want to say as a last ditch effort I applied for the Capital One secured card and kept getting a letter every 2 weeks or so saying I needed to send in documents verifying my identity, I did but the letters kept coming so finally I called, 3 weeks later I got a card in the mail for an unsecured card with a $300 limit and enrolled in the credit steps program. I am not applying for any more credit for the remainder of the year, gonna keep this auto loan paid on time and my capital one and hopefully Experian gets itself together in the interim.

I hope this helped someone! Lastly, I have been on my job 18mos and have a monthly income of about $4, 000.


Welcome to AA Automotive


#aa auto
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AA Automotive, a family owned and operated auto repair facility, conveniently located in Jacksonville off I95 and Bowden at Richard Street, treats you and your vehicle like family. The Obi s reputation as the most reliable mechanic started in 1954 with Obi s Garage and has now grown into a personal and fleet vehicle service center offering complete vehicle maintenance and repair to Jacksonville.

W hen you walk in the door at AA Automotive, you will be treated and serviced as a part of our growing family. We take pride in providing the utmost care and service for you and your vehicle. Whether you are recommended to us by one of our loyal customers or are trying us out for the first time we will do our best to make sure whenever you have service needs we will be here to help.

O ur staff consists of experts in all makes and models. Our highly trained, certified technicians are your bumper to bumper specialists for either your personal vehicle or your commercial fleet of vehicles. We also have the capabilities to repair diesel vehicles, such as GM Duramax, Ford Power Stroke, Dodge Cummins and others.

O ur highly trained, certified technicians at AA Automotive will diagnose and resolve any issue you may have and we will be happy to warn you of any preventable issues. AA Automotive has the latest diagnostic and service equipment that allows us to diagnose and service any and all issues your vehicle may have. It is our job to find the reason for your vehicles poor performance and we take pride in doing so. Our goal is to resolve your problems at the lowest cost to our customers. We are the auto repair shop that provides diagnostic and technical support to other area repair shops.

AA Automotive understands the stress associated with a broken down vehicle and in most cases, can pick up and deliver your vehicle to you. In addition to this personalized service, your vehicle will be repaired quickly and most importantly, accurately.

Let our family take care of your family s vehicles, at a fraction of the cost.


Welcome to Texas Direct Auto


#auto direct
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Sell us your car

Hours of operation:

Monday through Saturday 9am – 6pm

We Pay More!

We Pay Today!

No appointment ever needed, just come on in anytime, or if you want to get an appraisal online just fill in the sell my car form. as much as you have, not all information is required but the more you provide the better we can get you the best estimate for your car or truck.

Because We Care

Sign up for free and start making money today. $100 for every car we buy, and a bonus of $500 for every tenth car, it’s simple, just.

Texas Direct Auto

Office Hours

9 AM to 7 PM Monday-Saturday

Closed Sunday

Got the right stuff?

We’re currently hiring for All Positions Click Here!

With over $4 Billion in Sales. and over 100,000 customers satisfied. we are the Largest Independent Dealership in the country. Customers travel from all over the World to buy from Texas Direct Auto. We carry ALL makes and models, and our financing is second to none. More than anything, our Job is to WOW our customers. WOW you with selection, financing, quality and service. If you are not WOW’d, then we have not done our jobs – not even close. Watch this short Video to learn more.


Welcome, customers


#dollar auto rental
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