How to Lease a Car and Get the Best Deal – Personal Finance. #auto #warranties


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How to Lease a Car and Get the Best Deal

Tips

  • Over time, the cost of leasing several cars will likely exceed the purchase price of a new or used car.
  • Don’t tell a car dealer you plan to lease until after you’ve negotiated the car’s purchase price.
  • Beware salespeople who focus only on your monthly payment will be. Stay aware of the total price you’ll pay, including down payment and monthly bills.
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    A car lease lets you drive a new vehicle without paying a large sum of cash or taking out a loan.

    To lease a car, you simply make a small down payment less than the typical 20% of a car s value you d pay to buy followed by monthly payments for the term of the lease. When the term expires, you return the car.

    Leasing a car has some drawbacks, however. Among them:

    • You don’t own the car when your lease expires. You essentially rent, not buy, the car. So you don’t have equity in the car to use toward the purchase of another vehicle.

    • Over time, say 10 years, the cost of leasing several cars will likely exceed the purchase price of a new or used car.

    • Lease terms can carry steep penalties. You may have to pay penalties if:

    -You exceed the number of miles in your lease contract.

    – You fail to keep the interior and exterior of the car in good condition.

    – You drive the car hard and inflict significant wear and tear on the car’s performance and appearance.

    – You want to return the car before your contract expires.

    Does a lease make sense for you?

    Leasing is more beneficial than buying when you:

    • Don’t have the cash to buy the car.

    • Want to drive a vehicle that’s out of your purchase price range.

    • Won’t likely exceed the mileage cap in a contract—usually between 10,000 and 15,000 miles per year.

    • Can take good care of the car’s exterior and interior, paying particular attention to avoid nicks, spills and other cosmetic damage.

    • Expect to lease another car when your vehicle’s current contract expires.

    Exceeding the mileage limits on your lease can cost you 10 to 15 cents per mile. The dealer will inspect your car just before the lease expires, and you ll also be charged for excessive wear and tear.

    How to Lease

    Leasing a car is less complicated than buying one. But to get the best deal on the car you want, you must still follow these steps:

    Step 1. Choose a type — What kind of car do you want? Better yet, what car do you need? A convertible? A sedan? An SUV?

    Step 2. Pick your models — Make a list of car types in your price range. You can reduce non-lease costs by including models with favorable gas mileage, high dependability, top safety features and low insurance premiums (ask your auto insurance agent for a list of vehicles that fit the bill).

    Step 3. Take a test drive — Once you’ve narrowed your list to a few models, take each car for a test drive. Pay particular attention to comfort, visibility, braking, steering, internal noise and shock-absorption. At this stage, don’t yet mention you intend to lease (more on this in Step 6).

    Step 4. Ask about safety — During your test drive, ask the salesperson whether the vehicle comes with anti-lock brake systems (ABS), electronic stability control (ESC) and head-protecting side air bags. All are valuable safety features.

    Step 5. Compare lease deals — When you return home from the dealer, calculate the lease deals on offer and figure out how much you can afford to pay monthly.

    Step 6. Talk price first — Once you’re ready to return to a dealership to strike a deal, don’t tell the dealer you plan to lease until after you’ve negotiated a purchase price. Most people who lease are unaware that their monthly payments will be based on the final agreed-upon price.

    Step 7. Negotiate up — Negotiate the final price of the vehicle up from the rock-bottom cost to the dealership. You can find out what new cars cost a dealer for $14 per vehicle at Consumer Reports. Your monthly payments will be based on the price you and the salesperson settle on. That price will fall somewhere between the dealer’s wholesale price and the manufacturer s suggested retail price.

    Step 8. Beware of gab — Your salesperson may try to push you toward closing the deal by focusing on the relatively low amount you’ll have to pay each month. This, however, will add to the total amount you ll pay.

    Step 9. Paying the Lease — The larger your initial down payment, the lower your monthly tab will be. As with any bill, you ll face penalties if you fail to make payments on time. Turning in your leased car early, before the loan term ends will typically result in a penalty—unless you are trading in the car for another leased or purchased car.

    Related WSJ Articles and Blog Posts:

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Car loans: 5 tips to get the best deal #auto #book #value


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5 tips to get the best deal on a car loan

More Americans are struggling to make their car payments on time. The numbers, while still low, are definitely on the rise.

According to the latest State of the Automotive Finance Market report from Experian Automotive:

“The rosy glow of perfect payment performance in the automotive space is beginning to tarnish,” said Melinda Zabritski, senior director of auto finance at Experian Automotive.

Bariscan Celik | Getty Images

The increase in payment problems was expected as the number of loans to subprime borrowers has grown since the Great Recession, Zabritski said.

Her advice to car buyers is simple: “When you buy a car, make sure it’s something you can afford, something that truly meets your budget. That way you won’t end up as one of these delinquency statistics.”

To get the best loan deal, you need to do your homework. Here are five things you should do:

1. Check your credit reports.

Get a report from each of the three major credit reporting agencies: Experian, Equifax and TransUnion. Use the website annualcreditreport.com, which was set up by the federal government for this purpose.

“You want to check all three because you don’t know which one the lender will use and you want to give yourself time to fix any mistakes,” said Gerri Detweiler, director of consumer education for Credit.com. “I found a mistake when I went to buy a car a few years ago, and if I hadn’t straightened it out, it would have cost me a lot of money.”

Detweiler suggests that you also check your credit score. The interest rates you’ll be offered—if you can get a loan at all—will be based on your score.

You can get your credit score for free from a number of sites, such as Credit.com, CreditKarma and CreditSesame. Some credit card issuers also provide it. This will not be the exact same score the lender uses, but it will give you a good idea of where you stand.

2. Shop around for the best rate.

You shop around to get a good deal on your new vehicle, so why wouldn’t you shop around for the loan to pay for it? Most people don’t. They go to the dealer without doing any homework.

“That just means you have a target painted on your back,” said Liz Weston, personal finance columnist and author of the book, “Deal with Your Debt.” “Bad things are going to happen to you when you haven’t done your research and you don’t have your loan lined up before you start shopping for a car.”

Eight out of 10 car buyers finance at the dealership, according to the nonprofit Center for Responsible Lending. Maybe it’s the convenience or the lure of ads that offer incredibly low-interest rates. Just remember, those super-low rates are only for customers with excellent credit scores.

Credit unions and community banks are the best place to start. They typically offer the best rates on car loans.

Read More Some fear auto industry returning to bad habits

“A lot of people just assume they’re getting the best rate and terms from the dealer, and that’s the last assumption you should make,” Weston said. “You can apply for that loan, have it all set up, and then pull the plug at the last minute, if the dealer’s offer is better.”

3. Choose the shortest loan you can afford.

As cars have become more expensive, car loans have gotten longer. You can now finance that new set of wheels for seven, eight or possibly nine years. The longer term reduces the monthly payment, but it will also drive up your total cost.

“You definitely pay more in the long run because these long loans typically have high-interest rates,” cautioned Mike Quincy with Consumer Reports Autos. “Try to limit your car loan to about 48 months. That’s the optimal amount of time you should pay for your car.”

Yes, that means a higher monthly payment, but you’ll get out of debt faster.

The Federal Trade Commission has a worksheet that helps you compare financing offers with different terms.

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5 tips on how to get the best deal on a car loan. #oriely #auto


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5 tips on how to get the best deal on a car loan

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More Americans are struggling to make their car payments on time. The numbers, while still low, are definitely on the rise.

According to the latest State of the Automotive Finance Market report from Experian Automotive:

  • 60-day loan delinquencies in the second quarter of 2014 increased by 7 percent (from 0.58 to 0.62 percent) from the previous year.
  • The rate of auto repossessions in the second quarter took a significant jump — up more than 70 percent (to 0.62 percent) from a year earlier.

    “The rosy glow of perfect payment performance in the automotive space is beginning to tarnish,” said Melinda Zabritski, senior director of auto finance at Experian Automotive.

    The increase in payment problems was expected as the number of loans to subprime borrowers has grown following the Great Recession, Zabritski said.

    Her advice to car buyers is simple: “When you buy a car, make sure it’s something you can afford, something that truly meets your budget. That way you won’t end up as one of these delinquency statistics.”

    To get the best loan deal, you need to do your homework. Here are five things you should do:

    1. Check your credit reports.

    Get a report from each of the three major credit reporting agencies: Experian, Equifax and TransUnion. Use the website annualcreditreport.com. which was set up by the federal government for this purpose.

    “You want to check all three because you don’t know which one the lender will use and you want to give yourself time to fix any mistakes,” explained Gerri Detweiler, director of consumer education for Credit.com. “I found a mistake when I went to buy a car a few years ago, and if I hadn’t straightened it out, it would have cost me a lot of money.”

    Detweiler suggests that you also check your credit score. The interest rates you’ll be offered – if you can get a loan at all – will be based on your score.

    You can get your credit score for free from a number of sites, such as Credit.com. CreditKarma and CreditSesame. Some credit card issuers also provide it. This will not be the exact same score the lender uses, but it will give you a good idea of where you stand.

    2. Shop around for the best rate.

    You shop around to get a good deal on your new vehicle, so why wouldn’t you shop around for the loan to pay for it? Most people don’t. They go to the dealer without doing any homework.

    “That just means you have a target painted on your back,” said Liz Weston. personal finance columnist and author of the book, “Deal with Your Debt.” “Bad things are going to happen to you when you haven’t done your research and you don’t have your loan lined up before you start shopping for a car.”

    Eight out of 10 car buyers finance at the dealership, according to the nonprofit Center for Responsible Lending. Maybe it’s the convenience or the lure of ads that offer incredibly low-interest rates. Just remember, those super-low rates are only for customers with excellent credit scores.

    Credit unions and community banks are the best place to start. They typically offer the best rates on car loans.

    “A lot of people just assume they’re getting the best rate and terms from the dealer, and that’s the last assumption you should make,” Weston said. “You can apply for that loan, have it all set up, and then pull the plug at the last minute, if the dealer’s offer is better.”

    3. Choose the shortest loan you can afford. 

    As cars have become more expensive, car loans have gotten longer. You can now finance that new set of wheels for seven, eight or possibly nine years. The longer term reduces the monthly payment, but it will also drive up your total cost.

    “You definitely pay more in the long run because these long loans typically have high-interest rates,” cautioned Mike Quincy with Consumer Reports Autos. “Try to limit your car loan to about 48 months. That’s the optimal amount of time you should pay for your car.”

    Yes, that means a higher monthly payment, but you’ll get out of debt faster.

    The Federal Trade Commission has a worksheet that helps you compare different financing offers with different terms.

    4. Beware of the yo-yo finance scam. 

    You sign all the paperwork, get the keys to your shiny new car and drive it home, assuming the deal is done. A few days or weeks later, someone from the dealership calls and says they were unable to get the financing approved at the agreed-upon price.

    You must return the car to the dealership, they say, or negotiate a new loan at a higher interest rate. If you don’t, you could lose your deposit and trade-in, and you may even be charged a rental fee for the time you had the vehicle. Faced with this situation, most people cave.

    How can they do this?

    “Most dealers, don’t consider the sale final until the money is in their account and that could be anywhere from a few hours to a couple of days,” said Chris Kulka, senior vice president at the Center For Responsible Lending.

    Chances are this was disclosed somewhere in all the paperwork you signed in the dealer’s financing office.

    “The only way to protect yourself is to either get your financing elsewhere or tell the dealer that you’re not going to take the car until the financing is deemed final,” Kulka said.

    The trade association for automobile dealers said: “The National Automobile Dealers Association is not aware of any credible evidence which indicates that fraudulent ‘yo-yo’ transactions are prevalent in today’s marketplace and none was presented to the Federal Trade Commission when it thoroughly examined this issue during a series of motor vehicle roundtables in 2011.”

    5.  Don’t get hung-up on the monthly payment.

    A lot of people assume that if they can afford the monthly payment, they got a good deal on the car.

    “That’s a huge mistake,” said Jack Gillis, author of “The Car Book 2014 .”

    Buying a new car typically involves three different negotiations. There’s the price of the vehicle, the value of your trade-in and the financing. And they need to be kept separate.

    “If you just look at the monthly payment, you’ll have no idea what you’re being charged for the car, you won’t really know what you’re getting for your old vehicle and you won’t know what the interest rate really is,” Gillis warned. “The artificially low monthly payment will disguise the fact that you’re paying more than you should for the car and financing and getting less than you could for your trade-in.”

    The salesperson will probably ask how much you can afford to pay each month – they’re trained to do that. Gillis says there’s no need to answer.

    Keep in mind: If you are pre-approved for the loan before you head to the dealership, you can concentrate on haggling for the lowest price for the car and highest amount for your trade-in without the added pressure of negotiating the interest rate and other details of your loan.

    Herb Weisbaum is The ConsumerMan. Follow him on Facebook and Twitter or visit The ConsumerMan website.

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    Buying parts for your car can be less than exciting and more than affordable. But thanks to Advance Auto Parts online discounts from Goodshop, you can treat yourself to huge savings. With Advance Auto Parts coupons, you can get amazing discounts on virtually any product you buy. Advance Auto Parts coupon shopping takes auto part shopping to a whole new level of fun. Check out deals on Goodshop to see how much you can save with Advance Auto Parts coupons.

    When you hear your car slowly start to die, you hear sinks a little, or a lot. But thanks to Advance Auto Parts you can get quick, reliable, and affordable fixes to most automobile problems. Whether you’re taking it in for service or are looking to do it youself, Advance Auto Parts is here for you. They offer a huge selection of parts and services to get your car in tip top shape. Check out their full selection of high quality products. Featured categories include everything from air and fuel to emission and exhaust. Accessories and body to wipers and batteriers. Electrical and wiring to brakes, steering. Your AC or heater acting up? They can help you with that. Your navigation system on the brink? They can replace that too. No matter your need, if its related to your ride, Advance Auto Parts can help you out. Some of the most popular featured replacement parts include brake pads and shoes, radiators and water pumps. Looking for routine maintenance parts? Shop for spark plugs, batteries, oil filters, wiper blades and more.

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    Ayres Hotel – Suites in Costa Mesa – Newport Beach – UPDATED 2017 Prices – Reviews (CA – Orange County) #ayres #hotel # # #suites #in #costa #mesa, #newport #beach, #costa #mesa, #california, #reviews, #hotel, #resort, #inn, #reservation, #deal


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    Ayres Hotel & Suites in Costa Mesa – Newport Beach

    Great Hotel! This hotel was very nice, clean and conveniently located to University of California, Irvine. My 2 sons and husband went for UCI’s open house in April and found the Ayers hotel very accommodating. The only drawback is not having breakfast included with the room price, especially if you just want to grab a quick, small bite, and not have an entire meal. A food voucher at their onsite restaurant would be a nice plus to this hotel.

    AyresHotels, General Manager at Ayres Hotel Suites in Costa Mesa – Newport Beach, responded to this review

    Thank you so much for the feedback you have provided. I am pleased to see that you enjoyed your experience as well as the accommodations we offer. The insight and suggestions you have provided are greatly appreciated as it will allow us to make improvements wherever necessary. I hope this does not deter you from returning to our hotel in the future as we would love the opportunity to welcome you back in the future.

    Susan O’Brien-Moore
    General Manager

    The rooms were very comfortable and quiet – which is interesting because it IS in a flight path for John Wayne airport. But, I never heard a plane when I was in my room. I specifically made note of that because when I was outside – I heard them a lot! All of the staff that I encountered were very pleasant. I ate breakfast there everyday and it was good. They also have great coffee. No need to go outside the hotel to get my morning coffee which is not common in my experience – although there is a Starbucks within walking distance if you prefer. Although I did not personally use the pool – the pool area was very nice looking – but I certainly would not want a room that was around the pool area unless I had kids with me. Then it would be awesome to just walk out to the pool. I never saw anyone in it – but I was not around during the daytime hours as I was at work. Overall, it was a really nice stay!

    Good hotel, bad restaurant and housekeeping staff

    Adam P (11 reviews)

    Room was nice. Needs new carpet but was clean and comfortable. Food from the restaurant was gross and way overpriced, even for a hotel. I threw away my ahi salad. I don’t throw away food. I eat it. I could not eat this.

    The real reason for the 1 rating though is I accidentally left my wife’s breast pump in our room. I called a couple hours later when I realized. The front desk said they did not have it but connected me to housekeeping to ask them. They said they would check and call me back but never did. No one seemed to care at all. Either the maid took it or threw it away. Either way my wife was pretty bummed.

    Aside from the bag issue the place is probably a 4 and I would be willing to up my rating if the hotel ends up at least making an effort to find my wife’s breast pump.

    AyresHotels, General Manager at Ayres Hotel Suites in Costa Mesa – Newport Beach, responded to this review

    Thank you kindly for your candid review. Please feel free to contact me directly at (714) 549-0300 ext. 145 so we may resolve your concern in a timely manner.

    Susan O’Brien Moore
    General Manager

    Ayres Hotel Suites in Costa Mesa – Newport Beach, CA – Orange County

    10 steps to a great deal on a new-car loan #auto #one


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    Ch. 2: Your new-car dollar

    Here are 10 tips to help you get the best auto loan:

    1. Shop the loan separately from the car. Before starting negotiations on the exact car and price, begin the loan application process with credit unions, banks, well-respected online lenders and even your auto insurance company. “Generally, we’ve seen that online banks have been the best,” says Anthony Giorgianni, associate finance editor of “Consumer Reports Money Adviser” newsletter in Yonkers, N.Y. “The little banks might be very competitive,” he says. “A lot of them didn’t get caught up in the credit crunch.” And credit unions rates tend to be about 1 percent to 1.5 percent lower than banks, says Jim Hanson, a vice president at the Credit Union National Association in Madison, Wis.

    You can get prequalification for a loan, which would enable you to go to the dealer with a blank check — good up to a specified amount, says Phil Reed, senior consumer advice editor for Edmunds.com. Once you have a solid, written contract with the dealer, only then ask if they can beat the financing deal you already have.

    Shopping for a car or just a car loan? Download Bankrate’s auto app for price comparisons, loan calculations and more.

    2. Limit your loan shopping to a two-week period. Every time you apply for a loan — whether you are approved, whether you use it — your credit score goes down and it makes it slightly more difficult to get a prime-rate loan. But if you make all of your applications within a two-week period, they count as only one inquiry.

    3. Get familiar with your own credit history. Get free copies of your three credit reports, from Equifax, Experian and TransUnion at www.AnnualCreditReport.com. If you want to learn your exact scores from the three agencies, you can order them for a small fee from their individual Web sites. The credit or FICO score you buy is probably not the same one your lender uses, but it should be close. With an auto loan, you have a little more wiggle room in terms of your score. “What’s considered good for a car loan will be a little lower than what’s good for a mortgage,” says Gail Hillebrand, senior attorney with the San Francisco office of Consumers Union.

    4. Shop the total loan amount, not the monthly payment. The only time you should consider the monthly payment is when you privately calculate how much you want to spend for your car. After that, don’t discuss monthly payments. Some lenders may focus on the payments to induce you to borrow more money by extending the number of months you pay. That way they make more in interest, and you have to drive your aging car longer.

    5. Don’t assume the best. Lenders aren’t obligated to offer you the best rate for which you qualify. In 2007, car dealers marked up loans by an average 1.8 percent on used cars and 0.6 percent on new ones, according to Josh Frank, senior researcher for the Center for Responsible Lending in Durham, N.C. Let the lender know you’re shopping around or already have another offer. You’re more likely to see a better rate. You can find the best available auto loans in your area at Bankrate’s auto rate tables .

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    Holiday Inn Hotel & Suites Anaheim (1 BLK/Disneyland)

    jrobba (847 reviews)

    Charlotte, North Carolina

    We stayed here for a trip to Anaheim to visit Disneyland and the Honda Center for Teemu Tribute night. The hotel was great. They were quick to upgrade us from 2 doubles to 2 queens because of our IHG member status, and gave us 2 free bottles of water upon check in. The beds were comfortable, and the room was very spacious. I loved the shower which had great water pressure, always a plus after a long day walking through the park.
    They do charge $10 a day for parking, but that’s pretty standard around the area. They offer a $5 per person shuttle to disneyland, but we found that it’s just as easy, and quick to walk there from the hotel.
    The hotel also boasts a great splash area for kids, and an awesome outdoor heated pool and hot tub. The hot tub was much appreciated for the achy joints from a long day at the park.
    Overall, I’d rank it pretty high for the hotels in the Disney area, and I’m sure we’ll be back here on our next visit.

    KD92802, Front Desk Supervisor at Holiday Inn Hotel Suites Anaheim (1 BLK/Disneyland), responded to this review

    Oh behave of the hotel I would like to thank you for taking the time to share your experience. We are grateful that your stay was amazing and thank you for being part of the IHG family. Le us know when you will be returning and as always feel free to contact me if there is anything I can do for you for a future stay.

    OK, so I didn’t plan very well. This hotel is close to Disneyland and the Monorail line but I was not expecting that to be closed for repair. Thankfully the staff was able to provide us with information on an alternative to driving and parking fees. There was a city bus that they told us about that had an all-day pass for less than $7 per person. Also rather then kennel our small dog at the Park Kennel, because we had her carrier along, we were able to keep her in the room and still get back from time to time during the day for visits and walks to let her do her business. Room was comfortable, clean, has great beds, and a fridge. There was also a laundry that we took advantage of also. On sight restaurant that was OK but nothing special.

    KD92802, Front Desk Supervisor at Holiday Inn Hotel Suites Anaheim (1 BLK/Disneyland), responded to this review

    We appreciate you taking the time to write a review about your stay in our property. We are please that you choose us from all the hotels. We hope to see you return in the future and if we can do anything to help please call us at the hotel.

    Front Desk Supervisor
    Jonathan C.

    I recently attended a University graduation and stayed three nights at the Holiday Inn Hotel Suites. I traveled solo.

    Overall I thought the hotel was comfortable.

    I recently attended a University graduation and stayed three nights at the Holiday Inn Hotel Suites. I traveled solo.

    Overall I thought the hotel was comfortable and offered some valued accommodations not common to most Holiday Inns. A pleasant surprise for me, as I was planning to spend most evenings at the hotel. The onsite facilities made my stay much more enjoyable.

    The room decor and furnishings were current in decor and design, the linens were fresh, the room was clean. This part did not deviate from the standard Holiday Inn Brand I am familiar with. The room size was a bit smaller than other Holiday Inns I have been staying at during the past few years. The bathroom. we will get to that a bit later.

    The site offered a relaxing pool (with cocktail service, hey, now that’s a perk). The hotel also offers a small water park for children (another perk if traveling with children).

    The hotel includes an onsite restaurant, bar, and room service with extended hours. If you don’t return to the hotel until 9:30 PM, no worries, you can still visit the restaurant for a meal or order room service. My meal was quite good, it surpassed my expectations. I most enjoyed not having to leave the hotel. I didn’t really want the hassle of driving around town and trying to park.

    I opted to include breakfast when reserving my room and I am very glad I did. While the onsite restaurant is open to serve a menu for breakfast, the continental variety met all my needs. Fresh cooked eggs (they change the style each day), fresh cut fruits, bacon, etc. They also provide the standard pastries, waffles, etc. I love the fresh pot of coffee they bring to the table. I also love the table wait staff service.

    The hotel also has a small gift store with snacks and over the counter medicine. One day, it was just nice to walk to the lobby to visit the store to pick up some Advil.

    Around 9:30 PM you can go out to the parking lot and where you have a pretty decent view of the Disney Fireworks. I was not visiting Disney, but I did enjoy watching the firework shows two of the three nights.

    The hotel annoyances include the 24/7 TV – Disney movies blaring in the lobby. Yet, understand their main attraction is Disney. I noticed the hotel did not have a Disney shuttle service for their guests. If you have children, it can be quite a walk from the hotel to the Disney Shuttles or entrance.

    The biggest annoyance was the size of the bathroom. The shower/tub and toilet are in a closet. I was traveling solo. When entering the bathing area, you literally have to turn sideways and stand in an awkward position to close the bathroom door or step back one step to stand between the narrow gap between the toilet and the tub to close the bathroom door. The door swings only an inch from the toilet bowl. Now, I was solo, so I gave up on this claustrophobic closet madness and decided to leave the door open. Ha! When the door is left open it sits on the wall with the toilet paper dispenser. The open door makes it difficult to reach the toilet paper dispenser. It takes some acrobatics to reach around, behind the door, and feel your way to the toilet paper roll. There is a sit on the toilet, lean back, a bit sideways trick to reach that paper. Better just to have a spare roll on hand.

    I am not sure why they hotel does not place the door outside the sink area. Life would be easier for all.

    Customer service was excellent regarding all areas: the lobby, store, and restaurant.

    Holiday Inn Hotel Suites Anaheim (1 BLK/Disneyland)

    Car Deal Expert Auto Loans – Auto Financing, Car Loans and Car Credit! #auto #zone #auto #parts


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    Let the Auto Loan Pros at Car Deal Expert Put You in Your Next New or Used Car

    Many people have heard that obtaining auto loans is really hard these days. Nothing could be further from the truth. Thanks to numerous incentives and guarantees being provided to the banks by Uncle Sam auto loans are quite easy to obtain again. And savvy consumers are using the ease of being able to finance a new or use car in order to ensure that they have reliable transportation. What Car Deal Expert does is help get you driving the car of your dreams faster and easier than you ever thought possible. Apply Now

    Who doesn’t want to drive home in a car they have confidence in; a truck that is both dependable and still fun? With Car Deal Expert, you’ll have the financing in hand from a trusted lender to help make the negotiating process one that always ends in your favor. When you add in the fact that we also can obtain for you the no-hassle, best-price for over a million cars in our inventory, it all adds up to one simple proposition: The best car, for the best price, with the best payment options. Why wait? Get the car or truck of your dreams today!

    Auto Insurance: How to Get a Good Deal #auto #body #parts


    #best auto insurance
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    How to Get a Good Deal on Auto Insurance

    Thinkstock

    By the editors of Kiplinger’s Personal Finance | Updated March 2015

    Premiums can never be too cheap. Here are some ways to keep your car insurance bill down.

    Auto-insurance premiums have long since reached big-ticket status, so it pays to look for opportunities that will keep your costs down without sacrificing protection. Here are some things you can do:

    Do Some Homework

    Posing as ordinary buyers, investigators with the Pennsylvania Insurance Department once visited 186 insurance agencies in three cities. Of the 92 Philadelphia agents contacted, fewer than 30% volunteered information on discounts and deductibles that could have reduced premiums 20% to 40%.

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    The lesson: Arm yourself with as much information as you can before you start calling companies. You’ll find that some kinds of information are easier to get than others. It’s fairly easy to get cost and coverage information, but it’s also important to find out about the insurer’s complaint record — especially if you get a good cost quote from a company you’re not familiar with.

    Visit NAIC.org to find the contact information for your state insurance office; many of them keep track of consumer complaints and will share the results if they’re asked. You can also look up consumer complaint statistics directly at www.naic.org/cis. Finally, read through your policy carefully so that you’re sure of the kind and amount of protection you have.

    Compare the Premiums

    Survey after survey confirms that auto-insurance companies often charge greatly different premiums for the same coverage. In New York, Pennsylvania and elsewhere, premiums have been shown to vary sometimes by more than 100%.

    Rates may not vary as wildly in your area, but the odds are you will discover substantial differences if you take the time to get premium quotes from a number of companies. Begin by checking out InsuranceQuotes.com and InsuranceRates.com. where you can get quotes from several insurers (see our story 3 Simple Steps to Reshop Your Car Insurance ).Then check out sites for State Farm. Allstate. Progressive. Geico. and others. These quotes can act as a measure against which to judge identical coverage rates at different companies. If you’d like individualized help, you can work with an independent insurance agent — you can find one in your area at TrustedChoice.com

    Many state insurance offices distribute auto-insurance pricing guides, but the categories they use may not match yours. Your best bet is to use such a guide to identify your state’s most cost-effective insurers. Then get price quotes from a handful and you’ll have a truly comparative guide Reshop Your Car Insurance in 2015 .

    Manage Your Teenagers’ Driving

    Young drivers pay much more than most others because, as a group, they have more accidents. Rates will drop several notches when they reach age 25 or marry. Most companies give good-student or driver-education discounts to young drivers — commonly 5% to 25% off for a consistent B average — because statistically, good students are superior drivers. Young drivers can also get discounts for completing an approved driver-training course. The parents of students who spend part of the year at a school more than 100 or 150 miles away from home (and away from the family car) may also get a break.

    Drive Carefully Yourself

    Discounts are common for safe-driving records: Some companies give 5% off for drivers with three years of a clear record, raising the discount to 10% for drivers with six or more accident- and violation-free years.

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    Depending on which company insures you and where you live, you may even get a discount if you’re a nonsmoker, a woman who is a household’s only driver, a senior citizen, or a member of a certain profession (such as law or medicine) that is statistically less accident-prone.

    All ten of the leading insurers polled by the Insurance Information Institute offered a 15% to 20% discount to commuters sharing driving responsibilities in car pools, meaning they don’t drive their cars to work every day.

    When comparing policies, consider discounts but don’t fixate on them. A discount may very well be offset by a higher premium to begin with.

    Check Your Car’s Rating

    Insurers charge more for cars with high claims rates, no matter how good the driving record of the owner. Some charge less for collision and comprehensive coverage on models that score well for safety and durability, but add surcharges for others. A surcharge or a discount isn’t a judgment of a car’s quality. The rate variations reflect repair costs, accident frequency, theft losses and other factors.

    Before you buy your next car, it might pay to check on such differentials. Highway Loss Data Institute and also CarSafety.org provide loss data on nearly all makes and models,and your agent should be able to tell you the new car’s rating.

    Loss data do not necessarily translate into discounts, but they do show which vehicles are most likely to qualify.

    Consider Raising Your Deductibles

    It might make sense to choose the highest deductible you can afford to pay without seriously disrupting your finances. The idea is to pay for affordable damage yourself and let insurance kick in for bigger losses.

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    Whatever your situation, you can reduce your premium by accepting a larger deductible and transferring part of the risk from the company to yourself. Increasing your deductibles from $200 to $1,000 could cut your premiums by as much as 40% and prevent you from filing small claims that could cost you a claims-free discount. Even raising the deductible from $250 to $500 can take a bite out of your premiums. Then add extra money to your emergency funds to cover potential expenses.

    Reduce the Coverage on an Old Car

    You could consider dropping comprehensive and collision coverage on an old car to reduce your insurance costs fast. That would expose you to additional risk, but remember that the insurance company won’t pay more to fix a car than it’s worth. Each year’s depreciation therefore diminishes the maximum claim you can make against your collision coverage.

    If your car is five or more years old, depending on its value, you may be better off dropping both collision and comprehensive coverage and banking the savings. Estimate your car’s value by checking out the Kelley Blue Book website and consider how much protection you’re really buying for your collision and comprehensive premium.

    Insure All Cars With the Same Company

    You get a break for the second and successive cars covered by the same policy, so it’s usually more economical to put all your cars on one policy. Similarly, consider using the same company for other policies. Some insurers offer discounts of up to 15% for insuring your home and auto with the same company.

    Don’t Pay By Installments

    The company tacks an extra amount on to your premium when you pay in monthly or quarterly installments. If you can afford it, pay your premium in a lump sum.

    Improve Your Credit Score

    Insurers have found a strong correlation between credit history and insurance claims, and in most states your credit score can make a big difference in your auto insurance rates. Make sure you don’t have any errors on your credit report that can hurt your credit score; you can get a free copy of your credit report from each of the three bureaus every 12 months at AnnualCreditReport.com. See 7 Habits of People With Excellent Credit Scores for more information about boosting your score.

    Used Cars Are A Better Deal #adavance #auto


    #buy used cars
    #

    Why You Should Buy a Used Car

    I recently wrote about the benefits of buying a new car. but often, used cars are actually the better deal. Here is why:

    Used Cars Are a Better Deal than New Cars

    Depreciation: Most cars depreciate 20-30% during the first 2 years of ownership. Why should you spend your hard earned money when you can let someone else take the loss instead?

    More bang for your buck (and I don’t mean backfiring!): You can often afford to buy a better car with more options than you would be able to buy if you bought a new car. For example, let’s say you have a $20,000 budget for a car. You can buy a decent new car, with few options. But if you are willing to buy a 2-3 year old used car, you can generally get a model higher with more options – some of which would normally add hundreds or even thousands of dollars to the tab on a new car, such as a moon roof, 6 disk changer, alloy wheels, heated seats, etc.

    Quality is always improving: A couple decades ago, “used car” was synonymous with “junk.” Cars were disposable objects designed to last 10 years at most. Today’s cars will last a lot longer if you take care of them. There is no reason that you can’t buy a 2-3 year old car and not expect to drive it for at least 7-10 years before you trade it in because you are tired of it not because it is falling apart.

    Extended warranties: More and more manufacturers are offering certified used cars and extended warranties. These options may add a few extra dollars to the upfront costs, but can potentially save you hundreds or thousands of dollars down the road. They also give you the piece of mind to know that if something under warranty goes wrong, you won’t be on the hook for the total cost.

    That new car smell goes away: In 6 months, you probably won’t know the difference anyway. After a few months the new car smell is gone, you will have spilled your coffee on the floor once or twice, your shoes will drag dirt into the carpets, and your kids… well, they will be kids! To be honest, you probably won’t mind as much if these things happen to a used car because it is expected. But if they happen to your new car… well, that just causes stress! In fact, many people who buy new cars are so paranoid about things happening to their car that they don t enjoy them as much as they should. It s a car; not a museum piece.

    Which should you buy? As I already mentioned, I wrote about the benefits of buying a new car, now I m telling you to go buy a used car. Which should you do? I think you should research your options and choose the best decision for your situation.

    5 tips on how to get the best deal on a car loan. #auto #dealer #software


    #best auto loans
    #

    5 tips on how to get the best deal on a car loan

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    More Americans are struggling to make their car payments on time. The numbers, while still low, are definitely on the rise.

    According to the latest State of the Automotive Finance Market report from Experian Automotive:

    • 60-day loan delinquencies in the second quarter of 2014 increased by 7 percent (from 0.58 to 0.62 percent) from the previous year.
  • The rate of auto repossessions in the second quarter took a significant jump — up more than 70 percent (to 0.62 percent) from a year earlier.

    “The rosy glow of perfect payment performance in the automotive space is beginning to tarnish,” said Melinda Zabritski, senior director of auto finance at Experian Automotive.

    The increase in payment problems was expected as the number of loans to subprime borrowers has grown following the Great Recession, Zabritski said.

    Her advice to car buyers is simple: “When you buy a car, make sure it’s something you can afford, something that truly meets your budget. That way you won’t end up as one of these delinquency statistics.”

    To get the best loan deal, you need to do your homework. Here are five things you should do:

    1. Check your credit reports.

    Get a report from each of the three major credit reporting agencies: Experian, Equifax and TransUnion. Use the website annualcreditreport.com. which was set up by the federal government for this purpose.

    “You want to check all three because you don’t know which one the lender will use and you want to give yourself time to fix any mistakes,” explained Gerri Detweiler, director of consumer education for Credit.com. “I found a mistake when I went to buy a car a few years ago, and if I hadn’t straightened it out, it would have cost me a lot of money.”

    Detweiler suggests that you also check your credit score. The interest rates you’ll be offered – if you can get a loan at all – will be based on your score.

    You can get your credit score for free from a number of sites, such as Credit.com. CreditKarma and CreditSesame. Some credit card issuers also provide it. This will not be the exact same score the lender uses, but it will give you a good idea of where you stand.

    2. Shop around for the best rate.

    You shop around to get a good deal on your new vehicle, so why wouldn’t you shop around for the loan to pay for it? Most people don’t. They go to the dealer without doing any homework.

    “That just means you have a target painted on your back,” said Liz Weston. personal finance columnist and author of the book, “Deal with Your Debt.” “Bad things are going to happen to you when you haven’t done your research and you don’t have your loan lined up before you start shopping for a car.”

    Eight out of 10 car buyers finance at the dealership, according to the nonprofit Center for Responsible Lending. Maybe it’s the convenience or the lure of ads that offer incredibly low-interest rates. Just remember, those super-low rates are only for customers with excellent credit scores.

    Credit unions and community banks are the best place to start. They typically offer the best rates on car loans.

    “A lot of people just assume they’re getting the best rate and terms from the dealer, and that’s the last assumption you should make,” Weston said. “You can apply for that loan, have it all set up, and then pull the plug at the last minute, if the dealer’s offer is better.”

    3. Choose the shortest loan you can afford. 

    As cars have become more expensive, car loans have gotten longer. You can now finance that new set of wheels for seven, eight or possibly nine years. The longer term reduces the monthly payment, but it will also drive up your total cost.

    “You definitely pay more in the long run because these long loans typically have high-interest rates,” cautioned Mike Quincy with Consumer Reports Autos. “Try to limit your car loan to about 48 months. That’s the optimal amount of time you should pay for your car.”

    Yes, that means a higher monthly payment, but you’ll get out of debt faster.

    The Federal Trade Commission has a worksheet that helps you compare different financing offers with different terms.

    4. Beware of the yo-yo finance scam. 

    You sign all the paperwork, get the keys to your shiny new car and drive it home, assuming the deal is done. A few days or weeks later, someone from the dealership calls and says they were unable to get the financing approved at the agreed-upon price.

    You must return the car to the dealership, they say, or negotiate a new loan at a higher interest rate. If you don’t, you could lose your deposit and trade-in, and you may even be charged a rental fee for the time you had the vehicle. Faced with this situation, most people cave.

    How can they do this?

    “Most dealers, don’t consider the sale final until the money is in their account and that could be anywhere from a few hours to a couple of days,” said Chris Kulka, senior vice president at the Center For Responsible Lending.

    Chances are this was disclosed somewhere in all the paperwork you signed in the dealer’s financing office.

    “The only way to protect yourself is to either get your financing elsewhere or tell the dealer that you’re not going to take the car until the financing is deemed final,” Kulka said.

    The trade association for automobile dealers said: “The National Automobile Dealers Association is not aware of any credible evidence which indicates that fraudulent ‘yo-yo’ transactions are prevalent in today’s marketplace and none was presented to the Federal Trade Commission when it thoroughly examined this issue during a series of motor vehicle roundtables in 2011.”

    5.  Don’t get hung-up on the monthly payment.

    A lot of people assume that if they can afford the monthly payment, they got a good deal on the car.

    “That’s a huge mistake,” said Jack Gillis, author of “The Car Book 2014 .”

    Buying a new car typically involves three different negotiations. There’s the price of the vehicle, the value of your trade-in and the financing. And they need to be kept separate.

    “If you just look at the monthly payment, you’ll have no idea what you’re being charged for the car, you won’t really know what you’re getting for your old vehicle and you won’t know what the interest rate really is,” Gillis warned. “The artificially low monthly payment will disguise the fact that you’re paying more than you should for the car and financing and getting less than you could for your trade-in.”

    The salesperson will probably ask how much you can afford to pay each month – they’re trained to do that. Gillis says there’s no need to answer.

    Keep in mind: If you are pre-approved for the loan before you head to the dealership, you can concentrate on haggling for the lowest price for the car and highest amount for your trade-in without the added pressure of negotiating the interest rate and other details of your loan.

    Herb Weisbaum is The ConsumerMan. Follow him on Facebook and Twitter or visit The ConsumerMan website.

  • How to get the best deal on a used car – CBS News #auto #service #manuals


    #best used cars
    #

    How to get the best deal on a used car

    (MoneyWatch) Used car prices will decline in coming months, forecasters say. And new technology can help bargain-hunters know how much they should pay for a vehicle.

    A service with the whimsical name of MyVinny.com lets you download an application and scan the Vehicle Identification Number (VIN) of any car you are considering. MyVinny will tell you the average wholesale price for that model and thus how to shoot for a good deal.

    During the recession that followed the housing crash, used car prices rose because of shrinking supply, as fewer people bought new cars and traded in used ones. But now, because of a combination of more used car trade-ins and lease returns plus rebates and discounting from competing new cars, used prices are likely to decline. “Wholesale values are likely to moderate in coming months due to increased supply,” said Tom Webb, chief economist for used car auction business Manheim.

    Buying a used car saves money by avoiding the depreciation inevitable with a new car. But, as a shopper, you have a tougher time finding out an appropriate target price. With a new car you can find out what the dealer paid by looking up the invoice price for that model on websites such as Kelley Blue Book and Edmunds.com. But with a used car, you typically have little idea of the wholesale price of that model as it changed hands at auctions. By collecting auction data, MyVinny.com gives you that price.

    The wholesale price data is valuable especially if you are buying from a new or used car dealer. You can get a cheaper price on a similar car from a private seller. But you will get no warranty in the deal and probably have no recourse if something goes wrong with the car.

    So if you are heading out to shop for a used car, take these steps:

    • Find out the average retail price for sale by dealers by checking Kelley Blue Book and Edmunds.com. Then look up ads by dealers in your area on a site such as AutoTrader.com.
  • Get the average trade-in value on the pricing sites. If you are shopping at a new car dealership, the car may have been taken in trade on a new model. In that case, the acquisition price usually is even lower than the wholesale auction price.
  • Get the wholesale price. Having downloaded the free Vinny app from the Apple Store or Google Play, scan the VIN number on a car you are considering (usually on a plaque either on the dashboard on the driver’s side or on the door post visible when the door is open.) Within a few seconds, you will get back the wholesale price.
  • In talking to the dealer salesperson, try to find out if the car is a trade-in. He or she might tell you it was traded in while trying to convince you the car is in good condition. If it was traded in, the dealership’s cost basis was likely lower than the wholesale price.

    Take the case of a top-selling midsize sedan, a 2011 Toyota Camry SE. Assuming it has 30,000 miles and typical options, Edmunds lists the dealer retail price at $17,038. The MyVinny average wholesale price for 2011 Camrys is $14,765. And the trade-in value is $14,258. So the dealer stands to make around $2,780 if the car is a trade-in and $2,273 on an auction car.

    Alternatively, let’s say you are looking at an auction car. Set your aim at getting the Camry for $1,000 over the wholesale price while letting the salesperson know you are aware of that wholesale number. But start out bidding $500 over the wholesale price, with a goal of ending up at $1,000 over, or $15,765. That is still 8 percent profit for the dealer.

    If the dealership won’t meet your target, you have to decide how badly you want the car. But don’t go much above $16,000 — or about $1,000 off the original asking price. Especially with a popular car like the Camry, there is always another dealer to offer a competing price.

    As with buying new cars, doing your research means saving money while still getting a used car you want.

    2013 CBS Interactive Inc. All Rights Reserved.

    Car Deal Expert Auto Loans – Auto Financing, Car Loans and Car Credit! #rogers #auto #group


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    Let the Auto Loan Pros at Car Deal Expert Put You in Your Next New or Used Car

    Many people have heard that obtaining auto loans is really hard these days. Nothing could be further from the truth. Thanks to numerous incentives and guarantees being provided to the banks by Uncle Sam auto loans are quite easy to obtain again. And savvy consumers are using the ease of being able to finance a new or use car in order to ensure that they have reliable transportation. What Car Deal Expert does is help get you driving the car of your dreams faster and easier than you ever thought possible. Apply Now

    Who doesn’t want to drive home in a car they have confidence in; a truck that is both dependable and still fun? With Car Deal Expert, you’ll have the financing in hand from a trusted lender to help make the negotiating process one that always ends in your favor. When you add in the fact that we also can obtain for you the no-hassle, best-price for over a million cars in our inventory, it all adds up to one simple proposition: The best car, for the best price, with the best payment options. Why wait? Get the car or truck of your dreams today!

    Autobody Smart Parts – Utah s Number 1 Aftermarket Auto Parts Deal! #philly #auto #show


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    Welcome to Auto Body Smart Parts

    Utah’s Number 1 Source for Aftermarket Auto Parts!

    Our goal is to provide high quality parts and customer service, with cost effective repair solutions for consumers and the automotive collision and repair industry.

    Our motto is “Price + Quality x Service = ValueВІ. We use top quality ISO certified manufacturers including; TYC, Jui-Li, Tong Yang, TYGP-(made in USA), Kool Vue/Perfect Fit, Dorman, Gordon Auto Body Parts, Pro Fortune, Alponex and more.

    We carry many CAPA and NSF certified parts. We offer parts that are designed and manufactured to industry leading specifications to ensure the best quality, fit, and performance while maintaining competitive industry prices.

    Featured Automotive Products:

    • Headlights
    • Taillights
    • Turn Signals/Park Lamps
    • Fog Lamps
    • Mirrors
    • Fenders
    • Hoods
    • Grilles
    • Bumpers and Bumper Covers
    • Window Regulators
    • Door Handles
    • Tailgates
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    Best Deal Auto Sales – Used Cars – Melbourne FL Dealer #olympia #auto #mall


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    Best Deal Auto Sales – Melbourne FL, 32940

    BEST DEAL AUTO SALES We pride ourselves in offering quality pre-owned vehicles with the financing options you need. Whether you have Good Credit, Bad Credit, or No Credit, BEST DEAL AUTO SALES can get you into your next vehicle. Feel free to drop by or call ahead for an appointment. Be sure to check our price against the prices of other automobile dealerships in the area. Whether you are planning to buy now or will be buying in the future, BEST DEAL AUTO SALES offers the best selection of used cars, vans, autos, SUVs, and trucks of any car lot in the area, plus great prices! Our Quality, Sales and Satisfied Customers prove it!

    From our convenient location MELBOURNE ,FL, you can check out all the cars, trucks, vans, SUVs, and other automobiles we have in stock. We also serve Surrounding countys. We also have a large customer base in Orange,Indian river,St. Lucie,Volusia and many more that we’ve helped find great pre-owned vehicles. So don’t hesitate to come down and see for yourself why dealing with us is the new way to buy your next vehicle!

    For many years, Best Deal Auto Sales has been the premier Used Cars, Used Pickup Trucks lot in the Melbourne, Cocoa, Cocoa Beach area. We’re located near Cocoa, Cocoa Beach. At Best Deal Auto Sales, our mission is to achieve customer satisfaction with each and every one of our shoppers by giving you the best Melbourne Used Cars. Used Pickups For Sale buying experience possible. While there are other Used Cars, Used Pickup Trucks lots in the Melbourne, Cocoa, Cocoa Beach area, there is only one Best Deal Auto Sales.

    If you’re in the market for a Melbourne Used Cars. Used Pickups For Sale inventory, Best Deal Auto Sales is the place to be! As a great selling Used Cars, Used Pickup Trucks lot in the region, we consistently stock used cars for sale, used vehicles, usedcars, pre-owned cars, used pickup trucks, trucks, pickups, pick up trucks. Cocoa, Cocoa Beach Used Cars, Used Pickup Trucks shoppers can also see the rest of our Used Cars. Used Pickups For Sale. If you haven’t made up your mind on what used cars for sale, used vehicles, usedcars, pre-owned cars, used pickup trucks, trucks, pickups, pick up trucks you would like to take a look at, you’ll find that our website is very helpful. While other Melbourne Used Cars, Used Pickup Trucks lots may offer you some information on their Used Cars. Used Pickups For Sale lineup, Best Deal Auto Sales gives you the complete picture.

    In addition to our great Melbourne Used Cars, Used Pickup Trucks lineup, buying a Used Cars, Pickup Trucks in the Cape Canaveral, Cocoa, Cocoa Beach, Indialantic, Melbourne, Merritt Island, Palm Bay, Patrick Afb, Rockledge, Satellite Beach, Sharpes area has never been easier! We carry Used Cars. Used Pickups For Sale and more. Now, you can browse the great selection of used cars for sale, used vehicles, usedcars, pre-owned cars, used pickup trucks, trucks, pickups, pick up trucks that everyone is talking about! Make sure and visit our Melbourne Used Cars, Used Pickup Trucks inventories often.

    We hope that you find our website helpful to your needs. Although Best Deal Auto Sales of Melbourne in FL doesn’t stay open 24 hours a day, our dealership website is always open all day, every day! On our website which serves Melbourne area customers, you can research our Used Cars, Used Pickup Trucks, Used Cars. Used Pickups For Sale, used cars for sale, used vehicles, usedcars, pre-owned cars, used pickup trucks, trucks, pickups, pick up trucks. Search the extensive inventory of all the Best Deal Auto Sales Used Cars, Pickup Trucks that we offer at great prices, request a vehicle price quote, view pictures and data about the Used Cars. Used Pickups For Sale or learn about our Used Cars, Pickup Trucks that we currently have. Give us a call at 321-752-6444.

    Melbourne Used Cars, Used Pickup Trucks | Cocoa FL Used Cars, Used Pickup Trucks | Cocoa Beach Used Cars, Used Pickup Trucks

    Best Deal Auto Sales – Used Cars, Used Pickup Trucks Melbourne, FL

    How to Lease a Car and Get the Best Deal – Personal Finance. #used #trucks


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    How to Lease a Car and Get the Best Deal

    Tips

    • Over time, the cost of leasing several cars will likely exceed the purchase price of a new or used car.
    • Don’t tell a car dealer you plan to lease until after you’ve negotiated the car’s purchase price.
    • Beware salespeople who focus only on your monthly payment will be. Stay aware of the total price you’ll pay, including down payment and monthly bills.
    • Related How-Tos

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      A car lease lets you drive a new vehicle without paying a large sum of cash or taking out a loan.

      To lease a car, you simply make a small down payment less than the typical 20% of a car s value you d pay to buy followed by monthly payments for the term of the lease. When the term expires, you return the car.

      Leasing a car has some drawbacks, however. Among them:

      • You don’t own the car when your lease expires. You essentially rent, not buy, the car. So you don’t have equity in the car to use toward the purchase of another vehicle.

      • Over time, say 10 years, the cost of leasing several cars will likely exceed the purchase price of a new or used car.

      • Lease terms can carry steep penalties. You may have to pay penalties if:

      -You exceed the number of miles in your lease contract.

      – You fail to keep the interior and exterior of the car in good condition.

      – You drive the car hard and inflict significant wear and tear on the car’s performance and appearance.

      – You want to return the car before your contract expires.

      Does a lease make sense for you?

      Leasing is more beneficial than buying when you:

      • Don’t have the cash to buy the car.

      • Want to drive a vehicle that’s out of your purchase price range.

      • Won’t likely exceed the mileage cap in a contract—usually between 10,000 and 15,000 miles per year.

      • Can take good care of the car’s exterior and interior, paying particular attention to avoid nicks, spills and other cosmetic damage.

      • Expect to lease another car when your vehicle’s current contract expires.

      Exceeding the mileage limits on your lease can cost you 10 to 15 cents per mile. The dealer will inspect your car just before the lease expires, and you ll also be charged for excessive wear and tear.

      How to Lease

      Leasing a car is less complicated than buying one. But to get the best deal on the car you want, you must still follow these steps:

      Step 1. Choose a type — What kind of car do you want? Better yet, what car do you need? A convertible? A sedan? An SUV?

      Step 2. Pick your models — Make a list of car types in your price range. You can reduce non-lease costs by including models with favorable gas mileage, high dependability, top safety features and low insurance premiums (ask your auto insurance agent for a list of vehicles that fit the bill).

      Step 3. Take a test drive — Once you’ve narrowed your list to a few models, take each car for a test drive. Pay particular attention to comfort, visibility, braking, steering, internal noise and shock-absorption. At this stage, don’t yet mention you intend to lease (more on this in Step 6).

      Step 4. Ask about safety — During your test drive, ask the salesperson whether the vehicle comes with anti-lock brake systems (ABS), electronic stability control (ESC) and head-protecting side air bags. All are valuable safety features.

      Step 5. Compare lease deals — When you return home from the dealer, calculate the lease deals on offer and figure out how much you can afford to pay monthly.

      Step 6. Talk price first — Once you’re ready to return to a dealership to strike a deal, don’t tell the dealer you plan to lease until after you’ve negotiated a purchase price. Most people who lease are unaware that their monthly payments will be based on the final agreed-upon price.

      Step 7. Negotiate up — Negotiate the final price of the vehicle up from the rock-bottom cost to the dealership. You can find out what new cars cost a dealer for $14 per vehicle at Consumer Reports. Your monthly payments will be based on the price you and the salesperson settle on. That price will fall somewhere between the dealer’s wholesale price and the manufacturer s suggested retail price.

      Step 8. Beware of gab — Your salesperson may try to push you toward closing the deal by focusing on the relatively low amount you’ll have to pay each month. This, however, will add to the total amount you ll pay.

      Step 9. Paying the Lease — The larger your initial down payment, the lower your monthly tab will be. As with any bill, you ll face penalties if you fail to make payments on time. Turning in your leased car early, before the loan term ends will typically result in a penalty—unless you are trading in the car for another leased or purchased car.

      Related WSJ Articles and Blog Posts:

    Car Deal Expert Auto Loans – Auto Financing, Car Loans and Car Credit! #maine #auto #mall


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    Let the Auto Loan Pros at Car Deal Expert Put You in Your Next New or Used Car

    Many people have heard that obtaining auto loans is really hard these days. Nothing could be further from the truth. Thanks to numerous incentives and guarantees being provided to the banks by Uncle Sam auto loans are quite easy to obtain again. And savvy consumers are using the ease of being able to finance a new or use car in order to ensure that they have reliable transportation. What Car Deal Expert does is help get you driving the car of your dreams faster and easier than you ever thought possible. Apply Now

    Who doesn’t want to drive home in a car they have confidence in; a truck that is both dependable and still fun? With Car Deal Expert, you’ll have the financing in hand from a trusted lender to help make the negotiating process one that always ends in your favor. When you add in the fact that we also can obtain for you the no-hassle, best-price for over a million cars in our inventory, it all adds up to one simple proposition: The best car, for the best price, with the best payment options. Why wait? Get the car or truck of your dreams today!

    Autobody Smart Parts – Utah s Number 1 Aftermarket Auto Parts Deal! #oriley #auto #parts


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    Welcome to Auto Body Smart Parts

    Utah’s Number 1 Source for Aftermarket Auto Parts!

    Our goal is to provide high quality parts and customer service, with cost effective repair solutions for consumers and the automotive collision and repair industry.

    Our motto is “Price + Quality x Service = ValueВІ. We use top quality ISO certified manufacturers including; TYC, Jui-Li, Tong Yang, TYGP-(made in USA), Kool Vue/Perfect Fit, Dorman, Gordon Auto Body Parts, Pro Fortune, Alponex and more.

    We carry many CAPA and NSF certified parts. We offer parts that are designed and manufactured to industry leading specifications to ensure the best quality, fit, and performance while maintaining competitive industry prices.

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    5 tips on how to get the best deal on a car loan. #international #auto #parts


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    5 tips on how to get the best deal on a car loan

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    More Americans are struggling to make their car payments on time. The numbers, while still low, are definitely on the rise.

    According to the latest State of the Automotive Finance Market report from Experian Automotive:

    • 60-day loan delinquencies in the second quarter of 2014 increased by 7 percent (from 0.58 to 0.62 percent) from the previous year.
  • The rate of auto repossessions in the second quarter took a significant jump — up more than 70 percent (to 0.62 percent) from a year earlier.

    “The rosy glow of perfect payment performance in the automotive space is beginning to tarnish,” said Melinda Zabritski, senior director of auto finance at Experian Automotive.

    The increase in payment problems was expected as the number of loans to subprime borrowers has grown following the Great Recession, Zabritski said.

    Her advice to car buyers is simple: “When you buy a car, make sure it’s something you can afford, something that truly meets your budget. That way you won’t end up as one of these delinquency statistics.”

    To get the best loan deal, you need to do your homework. Here are five things you should do:

    1. Check your credit reports.

    Get a report from each of the three major credit reporting agencies: Experian, Equifax and TransUnion. Use the website annualcreditreport.com. which was set up by the federal government for this purpose.

    “You want to check all three because you don’t know which one the lender will use and you want to give yourself time to fix any mistakes,” explained Gerri Detweiler, director of consumer education for Credit.com. “I found a mistake when I went to buy a car a few years ago, and if I hadn’t straightened it out, it would have cost me a lot of money.”

    Detweiler suggests that you also check your credit score. The interest rates you’ll be offered – if you can get a loan at all – will be based on your score.

    You can get your credit score for free from a number of sites, such as Credit.com. CreditKarma and CreditSesame. Some credit card issuers also provide it. This will not be the exact same score the lender uses, but it will give you a good idea of where you stand.

    2. Shop around for the best rate.

    You shop around to get a good deal on your new vehicle, so why wouldn’t you shop around for the loan to pay for it? Most people don’t. They go to the dealer without doing any homework.

    “That just means you have a target painted on your back,” said Liz Weston. personal finance columnist and author of the book, “Deal with Your Debt.” “Bad things are going to happen to you when you haven’t done your research and you don’t have your loan lined up before you start shopping for a car.”

    Eight out of 10 car buyers finance at the dealership, according to the nonprofit Center for Responsible Lending. Maybe it’s the convenience or the lure of ads that offer incredibly low-interest rates. Just remember, those super-low rates are only for customers with excellent credit scores.

    Credit unions and community banks are the best place to start. They typically offer the best rates on car loans.

    “A lot of people just assume they’re getting the best rate and terms from the dealer, and that’s the last assumption you should make,” Weston said. “You can apply for that loan, have it all set up, and then pull the plug at the last minute, if the dealer’s offer is better.”

    3. Choose the shortest loan you can afford. 

    As cars have become more expensive, car loans have gotten longer. You can now finance that new set of wheels for seven, eight or possibly nine years. The longer term reduces the monthly payment, but it will also drive up your total cost.

    “You definitely pay more in the long run because these long loans typically have high-interest rates,” cautioned Mike Quincy with Consumer Reports Autos. “Try to limit your car loan to about 48 months. That’s the optimal amount of time you should pay for your car.”

    Yes, that means a higher monthly payment, but you’ll get out of debt faster.

    The Federal Trade Commission has a worksheet that helps you compare different financing offers with different terms.

    4. Beware of the yo-yo finance scam. 

    You sign all the paperwork, get the keys to your shiny new car and drive it home, assuming the deal is done. A few days or weeks later, someone from the dealership calls and says they were unable to get the financing approved at the agreed-upon price.

    You must return the car to the dealership, they say, or negotiate a new loan at a higher interest rate. If you don’t, you could lose your deposit and trade-in, and you may even be charged a rental fee for the time you had the vehicle. Faced with this situation, most people cave.

    How can they do this?

    “Most dealers, don’t consider the sale final until the money is in their account and that could be anywhere from a few hours to a couple of days,” said Chris Kulka, senior vice president at the Center For Responsible Lending.

    Chances are this was disclosed somewhere in all the paperwork you signed in the dealer’s financing office.

    “The only way to protect yourself is to either get your financing elsewhere or tell the dealer that you’re not going to take the car until the financing is deemed final,” Kulka said.

    The trade association for automobile dealers said: “The National Automobile Dealers Association is not aware of any credible evidence which indicates that fraudulent ‘yo-yo’ transactions are prevalent in today’s marketplace and none was presented to the Federal Trade Commission when it thoroughly examined this issue during a series of motor vehicle roundtables in 2011.”

    5.  Don’t get hung-up on the monthly payment.

    A lot of people assume that if they can afford the monthly payment, they got a good deal on the car.

    “That’s a huge mistake,” said Jack Gillis, author of “The Car Book 2014 .”

    Buying a new car typically involves three different negotiations. There’s the price of the vehicle, the value of your trade-in and the financing. And they need to be kept separate.

    “If you just look at the monthly payment, you’ll have no idea what you’re being charged for the car, you won’t really know what you’re getting for your old vehicle and you won’t know what the interest rate really is,” Gillis warned. “The artificially low monthly payment will disguise the fact that you’re paying more than you should for the car and financing and getting less than you could for your trade-in.”

    The salesperson will probably ask how much you can afford to pay each month – they’re trained to do that. Gillis says there’s no need to answer.

    Keep in mind: If you are pre-approved for the loan before you head to the dealership, you can concentrate on haggling for the lowest price for the car and highest amount for your trade-in without the added pressure of negotiating the interest rate and other details of your loan.

    Herb Weisbaum is The ConsumerMan. Follow him on Facebook and Twitter or visit The ConsumerMan website.

  • Pro Parts Center – Houston s Number 1 Aftermarket Auto Parts Deal! #auto #gallery


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    Welcome to Pro Parts Center

    Houston’s Number 1 Source for Aftermarket Collision Auto Parts!

    Our mission is to satisfy our customers by offering auto parts of highest quality and selection at the most competitive prices with superior services.

    We offer a 100% SATISFACTION GUARANTEE with every part you purchase. We deliver to Dealerships and Body Shops within 100 mile of the Houston/San Antonio/Austin areas. All parts come with a one-year warranty from manufactures defects. Our extensive line of automotive lighting includes brands from TYC, DEPO, and Eagle Eye.

    All lights are SAE/DOT compliant. Capa Certified parts are available on most sheet metal parts. Most of our metal bumpers are Double Nickel to ensure the highest quality.

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  • Paperwork to Close the Deal – Adviser: Car Advice on How to Sell a Car #oriely #auto #parts


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    Paperwork to Close the Deal

    There are just a few documents that you’ll need in order to officially change the status of your vehicle from “for sale” to “sold.”

    Here’s a checklist of what you should have ready so you can officially close the deal:

      Warranty Documentation

    If you’re transferring the remainder of a vehicle warranty to the new owner, have the original warranty documentation in hand. Include contact information for the warranty provider so the buyer can readily get the balance of the warranty put in his name.

      “As Is” Documentation

    Outside of transferring a warranty, we recommend that you make it clear–in writing–that there are no implied warranties when you sell your used car. This ensures that the buyer acknowledges and understands that he is accepting all future responsibility for the repair and maintenance of the vehicle.

    Get an As Is Addendum from Socrates.com

      Odometer Disclosure

    The Truth in Mileage Act, a federal law, requires the seller of a motor vehicle to provide an odometer disclosure to the buyer at the time of sale or transfer of ownership. This applies to all motor vehicles less than 10 years old and weighing up to 12,000 lbs.

    In some states, it’s acceptable to provide the current mileage reading on the vehicle Title. In others, you must obtain a separate form. Check with your state’s Department of Motor Vehicles to determine what requirements you must adhere to.

    The odometer disclosure typically includes:

    • year, make, model and vehicle identification number (VIN)
    • buyer’s name and address
    • buyer’s signature
    • seller’s signature
    • current vehicle mileage at the time of sale or transfer of ownership
    • notary public’s signature/seal (typically available at courthouses and banks)

      Title

    If you already have the vehicle title, you simply need to sign it over to the new owner.

    If you’re still making payments on the car you’re selling, you need to obtain the title from the lienholder (usually a bank). Learn more about transferring ownership and getting the title for your car.

    The process of transferring vehicle ownership varies by state. Typically, it involves signing and dating the back of the vehicle title. The buyer then needs to go to his state’s Department of Motor Vehicles and apply for a title in his name.

    Get more information from your state’s DMV

      Bill of Sale

    While not required in all states, a Bill of Sale is a good idea because it documents the terms and conditions of the sale in writing. It confirms, but is not limited to:

    • vehicle description
    • odometer disclosure
    • purchase price
    • delivery date
    • signatures of buyer, seller and notary public

    If there is a dispute after the fact, you will have a signed, notarized Bill of Sale that can help absolve you of liability.

    We recommend that you check with your state’s Department of Motor Vehicles to determine whether you are required to have a Bill of Sale.

    Get a Bill of Sale from Socrates.com

    Justine Petruska is a senior staff writer at AutoTrader.com.

    How to Get the Best Deal on a Used Car #used #cars #by #owner


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    How to Get the Best Deal on a Used Car

    By Jessica L. Anderson | June 2011

    Prices are higher, but our strategies will help you land a bargain.

    As new cars are sold, used cars enter the market. But over the past few years, new-car sales fell off a cliff — and so did the number of used cars for sale. Add higher demand for used cars ever since the recession turned many new-car buyers into used-car buyers, and you have a classic case study for Economics 101: High demand and tight supply have boosted average transaction prices to their highest level in six years. And the used-car supply will stay tight for another two years, says Tom Kontos, chief economist for Adesa, a vehicle-auction company.

    If you’re in the market for a used car, you’ll need to shop smarter to get a bargain. Our strategies will help you find the values and negotiate a good deal.

    Where the deals are

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    With gas prices on the rise again, the higher the fuel economy, the higher the markup. That means smaller vehicles, hybrids and even small crossovers are hot. The disaster in Japan is also limiting supplies and pushing up prices. Even so, there are more gas-sippers to choose from than there were when gas prices spiked in 2008 — the number of hybrids alone has nearly doubled. And increased competition for small cars in the new-car market is helping to set a ceiling on used-car prices. (In a few cases, buying new may beat buying used.)

    If you value space over fuel economy, it’s likely you can find a good deal on a full-size car, says Keith Griffin, who writes the guide to used cars at About.com. Ditto for medium to large SUVs and crossovers. But note that you won’t see the bargain-basement prices of 2008, when consumers rushed to dump their big SUVs.

    Manufacturers cut back on production, so there are fewer available now. Automakers heavily curtailed truck production, too. Prices for used full-size trucks are up 15% from last year, according to Joe Spina, senior manager of remarketing at Edmunds.com. “There are enough people who really need these vehicles, and that’s keeping prices high,” he says.

    No matter what type of vehicle you’re shopping for, a few tips may help you score a better deal. Mark Scott, of AutoTrader.com, recommends looking at models that were recently redesigned, such as the Honda Civic. If the used model doesn’t look the same as the new model, prices are likely to be a bit lower. If you’re shopping for a hybrid that has a gas-engine counterpart, shoot for a four- or five-year-old model; these hybrids tend to hold their value for the first three years and then fall off.

    Check out used Toyotas, suggests Griffin. “People are still irrationally afraid of them,” he says. In J.D. Power’s latest Vehicle Dependability Survey of three-year-old vehicles, Toyota scored the best of all the nonluxury brands. Just be sure that any recall issues are fixed. If a private seller hasn’t had recall work done yet, you should be able to negotiate a lower price.

    And don’t ignore used rental cars. Most have logged a lot of miles, but the drivers are typically business-people well over the age of 25 who are likely to drive conservatively. Plus, the vehicles are well maintained by the rental companies. Rental vehicles for sale are typically just one year old, and they’re often sold in the fall, when the new models arrive. Check rental Web sites, such as Enterprise and Hertz, for listings.

    Shop smart

    Start your search online. Two of the biggest sites are AutoTrader.com and Cars.com. When Gillian and Ben Baxter found out that they were having twins — the day after Ben’s car was totaled — their prospective replacement car shifted from a small wagon or crossover to a family mobile with good fuel economy and plenty of space. Gillian read reviews from Edmunds.com, Consumer Reports and MotherProof.com to home in on a vehicle with high safety ratings, decent mileage, and enough room for two car seats, a twin stroller and all the other gear that comes along with kids.

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    They narrowed their choices to the Toyota Highlander Hybrid and Honda Odyssey, then searched listings at Cars.com. After test-driving both cars, the Baxters picked the Highlander Hybrid and found a fully loaded 2008 model at CarMax. To be sure the price was fair, they checked the appraisal tool at Edmunds.com; at $33,998, it was listed for $700 less than the dealer retail price (an average of what consumers in your area are paying at dealerships). They bought it the next day.

    You can also find out how the price stacks up by logging on to CarGurus.com. The site was created by the co-founder of TripAdvisor.com to increase pricing transparency for used cars. It includes listings from Cars.com, Autobytel, Vehix and other sites and analyzes a used car’s price based on listings in your area for the same make and model with the same features. Each listing is rated with a “Good Price,” “Fair Price” or “Poor Price” and the amount the price is over or under CarGurus’ average price. Click on a vehicle to see how long it’s been on the market and whether there have been any price reductions. A recent survey by the company showed that the majority of used cars listed for more than 30 days had had at least one price drop — so it often pays to look for a car that’s been on the lot for a while.

    Haggling is de rigueur, so introduce competition. If you can find a model that’s similar in features and mileage but has a lower asking price, show it to the seller. And don’t think you can’t get a lower price just because it’s an “Internet special.”

    If you hate to haggle, let someone else do it for you. Carsala. a used-car buying service, does all the dirty work and may save you money. Enter the make and model you’re looking for on the site, and it will send you listings. You can select up to 20 among those or among listings you find on your own for Carsala’s professionals to bargain on for you. You’ll get a report with the negotiated deals. Then you can pick which models you want to test-drive and complete the transaction. The cost is 20% of the biggest discount Carsala negotiates, capped at $399, and there’s no obligation to buy any of the cars. So if the best deal is $1,500 off the asking price, you pay Carsala $300.

    Expanding your search beyond a 25- or 50-mile radius may also turn up less-expensive cars. Sometimes you can save several thousand dollars by buying long distance — even after delivery charges, which typically run $700 to $1,200. Hopping on a plane to pick up the car yourself may cut costs and relieve the uncertainty of a long-distance transaction.

    Before you sign

    Unless you’re purchasing a certified preowned vehicle with an additional warranty, do a little legwork to make sure the car checks out. The first step is to run a vehicle history report on either Carfax.com or AutoCheck.com using the VIN (vehicle identification number). You’ll pay $30 to $35 for a single report or $45 for several, and each report will list ownership history, odometer readings and any accident reports, flood damage or title fraud. Dealers may offer these reports free, but Griffin recommends that you double-check the report on your own if a seller hands you a printout.

    Next, get the vehicle inspected. Your local mechanic may charge $50 to $100 to give it a once-over. Another option — especially if you don’t have a mechanic you absolutely trust — is to hire AiM Mobile Inspections. It offers 150-point inspections nationwide for $129. The inspectors test-drive the vehicle, inspect it inside and out, and photograph it, documenting the VIN, odometer reading and any damage. AiM’s team works with the seller to arrange the inspection and sends you the report once it’s finished. Before you head to the lot, ask your bank or credit union to preapprove you for a loan. Credit is flowing more freely than it did a few years ago, and good credit will earn you a rate of 6%, or even less at some institutions. Be prepared to come up with a 20% down payment, too.

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    When you’re ready to make a deal, separate the transactions — the purchase, trade-in and financing. Otherwise, a dealer can make up for a lower sales price by offering you a lower trade-in value or by charging a higher interest rate. Start by negotiating the price of the car. Don’t mention a car you’re trading in, if you have one, until you’ve nailed down a sales price; only then should you move on to the price of your trade-in. Finally, negotiate the rate. Get every number in writing.

    You’ll likely be pushed to buy an extended warranty, but be aware that most owners never get back what they pay for the policy. If you decide to buy one, haggle on the price — dealers can charge what they want.

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    Best Deal Auto Sales – Used Cars – Melbourne FL Dealer #husker #auto #group


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    Best Deal Auto Sales – Melbourne FL, 32940

    BEST DEAL AUTO SALES We pride ourselves in offering quality pre-owned vehicles with the financing options you need. Whether you have Good Credit, Bad Credit, or No Credit, BEST DEAL AUTO SALES can get you into your next vehicle. Feel free to drop by or call ahead for an appointment. Be sure to check our price against the prices of other automobile dealerships in the area. Whether you are planning to buy now or will be buying in the future, BEST DEAL AUTO SALES offers the best selection of used cars, vans, autos, SUVs, and trucks of any car lot in the area, plus great prices! Our Quality, Sales and Satisfied Customers prove it!

    From our convenient location MELBOURNE ,FL, you can check out all the cars, trucks, vans, SUVs, and other automobiles we have in stock. We also serve Surrounding countys. We also have a large customer base in Orange,Indian river,St. Lucie,Volusia and many more that we’ve helped find great pre-owned vehicles. So don’t hesitate to come down and see for yourself why dealing with us is the new way to buy your next vehicle!

    For many years, Best Deal Auto Sales has been the premier Used Cars, Used Pickup Trucks lot in the Melbourne, Cocoa, Cocoa Beach area. We’re located near Cocoa, Cocoa Beach. At Best Deal Auto Sales, our mission is to achieve customer satisfaction with each and every one of our shoppers by giving you the best Melbourne Used Cars. Used Pickups For Sale buying experience possible. While there are other Used Cars, Used Pickup Trucks lots in the Melbourne, Cocoa, Cocoa Beach area, there is only one Best Deal Auto Sales.

    If you’re in the market for a Melbourne Used Cars. Used Pickups For Sale inventory, Best Deal Auto Sales is the place to be! As a great selling Used Cars, Used Pickup Trucks lot in the region, we consistently stock used cars for sale, used vehicles, usedcars, pre-owned cars, used pickup trucks, trucks, pickups, pick up trucks. Cocoa, Cocoa Beach Used Cars, Used Pickup Trucks shoppers can also see the rest of our Used Cars. Used Pickups For Sale. If you haven’t made up your mind on what used cars for sale, used vehicles, usedcars, pre-owned cars, used pickup trucks, trucks, pickups, pick up trucks you would like to take a look at, you’ll find that our website is very helpful. While other Melbourne Used Cars, Used Pickup Trucks lots may offer you some information on their Used Cars. Used Pickups For Sale lineup, Best Deal Auto Sales gives you the complete picture.

    In addition to our great Melbourne Used Cars, Used Pickup Trucks lineup, buying a Used Cars, Pickup Trucks in the Cape Canaveral, Cocoa, Cocoa Beach, Indialantic, Melbourne, Merritt Island, Palm Bay, Patrick Afb, Rockledge, Satellite Beach, Sharpes area has never been easier! We carry Used Cars. Used Pickups For Sale and more. Now, you can browse the great selection of used cars for sale, used vehicles, usedcars, pre-owned cars, used pickup trucks, trucks, pickups, pick up trucks that everyone is talking about! Make sure and visit our Melbourne Used Cars, Used Pickup Trucks inventories often.

    We hope that you find our website helpful to your needs. Although Best Deal Auto Sales of Melbourne in FL doesn’t stay open 24 hours a day, our dealership website is always open all day, every day! On our website which serves Melbourne area customers, you can research our Used Cars, Used Pickup Trucks, Used Cars. Used Pickups For Sale, used cars for sale, used vehicles, usedcars, pre-owned cars, used pickup trucks, trucks, pickups, pick up trucks. Search the extensive inventory of all the Best Deal Auto Sales Used Cars, Pickup Trucks that we offer at great prices, request a vehicle price quote, view pictures and data about the Used Cars. Used Pickups For Sale or learn about our Used Cars, Pickup Trucks that we currently have. Give us a call at 321-752-6444.

    Melbourne Used Cars, Used Pickup Trucks | Cocoa FL Used Cars, Used Pickup Trucks | Cocoa Beach Used Cars, Used Pickup Trucks

    Best Deal Auto Sales – Used Cars, Used Pickup Trucks Melbourne, FL

    Best Deal: Advance Auto Parts Coupons and Advance Auto Parts Coupon Code #mobile #auto #detailing


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  • How to get the best deal on a used car – CBS News #ppg #auto #paint


    #best used cars
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    How to get the best deal on a used car

    (MoneyWatch) Used car prices will decline in coming months, forecasters say. And new technology can help bargain-hunters know how much they should pay for a vehicle.

    A service with the whimsical name of MyVinny.com lets you download an application and scan the Vehicle Identification Number (VIN) of any car you are considering. MyVinny will tell you the average wholesale price for that model and thus how to shoot for a good deal.

    During the recession that followed the housing crash, used car prices rose because of shrinking supply, as fewer people bought new cars and traded in used ones. But now, because of a combination of more used car trade-ins and lease returns plus rebates and discounting from competing new cars, used prices are likely to decline. “Wholesale values are likely to moderate in coming months due to increased supply,” said Tom Webb, chief economist for used car auction business Manheim.

    Buying a used car saves money by avoiding the depreciation inevitable with a new car. But, as a shopper, you have a tougher time finding out an appropriate target price. With a new car you can find out what the dealer paid by looking up the invoice price for that model on websites such as Kelley Blue Book and Edmunds.com. But with a used car, you typically have little idea of the wholesale price of that model as it changed hands at auctions. By collecting auction data, MyVinny.com gives you that price.

    The wholesale price data is valuable especially if you are buying from a new or used car dealer. You can get a cheaper price on a similar car from a private seller. But you will get no warranty in the deal and probably have no recourse if something goes wrong with the car.

    So if you are heading out to shop for a used car, take these steps:

    • Find out the average retail price for sale by dealers by checking Kelley Blue Book and Edmunds.com. Then look up ads by dealers in your area on a site such as AutoTrader.com.
  • Get the average trade-in value on the pricing sites. If you are shopping at a new car dealership, the car may have been taken in trade on a new model. In that case, the acquisition price usually is even lower than the wholesale auction price.
  • Get the wholesale price. Having downloaded the free Vinny app from the Apple Store or Google Play, scan the VIN number on a car you are considering (usually on a plaque either on the dashboard on the driver’s side or on the door post visible when the door is open.) Within a few seconds, you will get back the wholesale price.
  • In talking to the dealer salesperson, try to find out if the car is a trade-in. He or she might tell you it was traded in while trying to convince you the car is in good condition. If it was traded in, the dealership’s cost basis was likely lower than the wholesale price.

    Take the case of a top-selling midsize sedan, a 2011 Toyota Camry SE. Assuming it has 30,000 miles and typical options, Edmunds lists the dealer retail price at $17,038. The MyVinny average wholesale price for 2011 Camrys is $14,765. And the trade-in value is $14,258. So the dealer stands to make around $2,780 if the car is a trade-in and $2,273 on an auction car.

    Alternatively, let’s say you are looking at an auction car. Set your aim at getting the Camry for $1,000 over the wholesale price while letting the salesperson know you are aware of that wholesale number. But start out bidding $500 over the wholesale price, with a goal of ending up at $1,000 over, or $15,765. That is still 8 percent profit for the dealer.

    If the dealership won’t meet your target, you have to decide how badly you want the car. But don’t go much above $16,000 — or about $1,000 off the original asking price. Especially with a popular car like the Camry, there is always another dealer to offer a competing price.

    As with buying new cars, doing your research means saving money while still getting a used car you want.

    2013 CBS Interactive Inc. All Rights Reserved.

    10 steps to a great deal on a new-car loan #auto #trade.com


    #best used car deals
    #

    Ch. 2: Your new-car dollar

    Here are 10 tips to help you get the best auto loan:

    1. Shop the loan separately from the car. Before starting negotiations on the exact car and price, begin the loan application process with credit unions, banks, well-respected online lenders and even your auto insurance company. “Generally, we’ve seen that online banks have been the best,” says Anthony Giorgianni, associate finance editor of “Consumer Reports Money Adviser” newsletter in Yonkers, N.Y. “The little banks might be very competitive,” he says. “A lot of them didn’t get caught up in the credit crunch.” And credit unions rates tend to be about 1 percent to 1.5 percent lower than banks, says Jim Hanson, a vice president at the Credit Union National Association in Madison, Wis.

    You can get prequalification for a loan, which would enable you to go to the dealer with a blank check — good up to a specified amount, says Phil Reed, senior consumer advice editor for Edmunds.com. Once you have a solid, written contract with the dealer, only then ask if they can beat the financing deal you already have.

    Shopping for a car or just a car loan? Download Bankrate’s auto app for price comparisons, loan calculations and more.

    2. Limit your loan shopping to a two-week period. Every time you apply for a loan — whether you are approved, whether you use it — your credit score goes down and it makes it slightly more difficult to get a prime-rate loan. But if you make all of your applications within a two-week period, they count as only one inquiry.

    3. Get familiar with your own credit history. Get free copies of your three credit reports, from Equifax, Experian and TransUnion at www.AnnualCreditReport.com. If you want to learn your exact scores from the three agencies, you can order them for a small fee from their individual Web sites. The credit or FICO score you buy is probably not the same one your lender uses, but it should be close. With an auto loan, you have a little more wiggle room in terms of your score. “What’s considered good for a car loan will be a little lower than what’s good for a mortgage,” says Gail Hillebrand, senior attorney with the San Francisco office of Consumers Union.

    4. Shop the total loan amount, not the monthly payment. The only time you should consider the monthly payment is when you privately calculate how much you want to spend for your car. After that, don’t discuss monthly payments. Some lenders may focus on the payments to induce you to borrow more money by extending the number of months you pay. That way they make more in interest, and you have to drive your aging car longer.

    5. Don’t assume the best. Lenders aren’t obligated to offer you the best rate for which you qualify. In 2007, car dealers marked up loans by an average 1.8 percent on used cars and 0.6 percent on new ones, according to Josh Frank, senior researcher for the Center for Responsible Lending in Durham, N.C. Let the lender know you’re shopping around or already have another offer. You’re more likely to see a better rate. You can find the best available auto loans in your area at Bankrate’s auto rate tables .

    Paperwork to Close the Deal – Adviser: Car Advice on How to Sell a Car #quick #auto


    #auto bill of sale template
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    Paperwork to Close the Deal

    There are just a few documents that you’ll need in order to officially change the status of your vehicle from “for sale” to “sold.”

    Here’s a checklist of what you should have ready so you can officially close the deal:

      Warranty Documentation

    If you’re transferring the remainder of a vehicle warranty to the new owner, have the original warranty documentation in hand. Include contact information for the warranty provider so the buyer can readily get the balance of the warranty put in his name.

      “As Is” Documentation

    Outside of transferring a warranty, we recommend that you make it clear–in writing–that there are no implied warranties when you sell your used car. This ensures that the buyer acknowledges and understands that he is accepting all future responsibility for the repair and maintenance of the vehicle.

    Get an As Is Addendum from Socrates.com

      Odometer Disclosure

    The Truth in Mileage Act, a federal law, requires the seller of a motor vehicle to provide an odometer disclosure to the buyer at the time of sale or transfer of ownership. This applies to all motor vehicles less than 10 years old and weighing up to 12,000 lbs.

    In some states, it’s acceptable to provide the current mileage reading on the vehicle Title. In others, you must obtain a separate form. Check with your state’s Department of Motor Vehicles to determine what requirements you must adhere to.

    The odometer disclosure typically includes:

    • year, make, model and vehicle identification number (VIN)
    • buyer’s name and address
    • buyer’s signature
    • seller’s signature
    • current vehicle mileage at the time of sale or transfer of ownership
    • notary public’s signature/seal (typically available at courthouses and banks)

      Title

    If you already have the vehicle title, you simply need to sign it over to the new owner.

    If you’re still making payments on the car you’re selling, you need to obtain the title from the lienholder (usually a bank). Learn more about transferring ownership and getting the title for your car.

    The process of transferring vehicle ownership varies by state. Typically, it involves signing and dating the back of the vehicle title. The buyer then needs to go to his state’s Department of Motor Vehicles and apply for a title in his name.

    Get more information from your state’s DMV

      Bill of Sale

    While not required in all states, a Bill of Sale is a good idea because it documents the terms and conditions of the sale in writing. It confirms, but is not limited to:

    • vehicle description
    • odometer disclosure
    • purchase price
    • delivery date
    • signatures of buyer, seller and notary public

    If there is a dispute after the fact, you will have a signed, notarized Bill of Sale that can help absolve you of liability.

    We recommend that you check with your state’s Department of Motor Vehicles to determine whether you are required to have a Bill of Sale.

    Get a Bill of Sale from Socrates.com

    Justine Petruska is a senior staff writer at AutoTrader.com.

    How to Lease a Car and Get the Best Deal – Personal Finance. #auto #mechanics


    #best auto lease deals
    #

    How to Lease a Car and Get the Best Deal

    Tips

    • Over time, the cost of leasing several cars will likely exceed the purchase price of a new or used car.
    • Don’t tell a car dealer you plan to lease until after you’ve negotiated the car’s purchase price.
    • Beware salespeople who focus only on your monthly payment will be. Stay aware of the total price you’ll pay, including down payment and monthly bills.
    • Related How-Tos

      Feedback

      A car lease lets you drive a new vehicle without paying a large sum of cash or taking out a loan.

      To lease a car, you simply make a small down payment less than the typical 20% of a car s value you d pay to buy followed by monthly payments for the term of the lease. When the term expires, you return the car.

      Leasing a car has some drawbacks, however. Among them:

      • You don’t own the car when your lease expires. You essentially rent, not buy, the car. So you don’t have equity in the car to use toward the purchase of another vehicle.

      • Over time, say 10 years, the cost of leasing several cars will likely exceed the purchase price of a new or used car.

      • Lease terms can carry steep penalties. You may have to pay penalties if:

      -You exceed the number of miles in your lease contract.

      – You fail to keep the interior and exterior of the car in good condition.

      – You drive the car hard and inflict significant wear and tear on the car’s performance and appearance.

      – You want to return the car before your contract expires.

      Does a lease make sense for you?

      Leasing is more beneficial than buying when you:

      • Don’t have the cash to buy the car.

      • Want to drive a vehicle that’s out of your purchase price range.

      • Won’t likely exceed the mileage cap in a contract—usually between 10,000 and 15,000 miles per year.

      • Can take good care of the car’s exterior and interior, paying particular attention to avoid nicks, spills and other cosmetic damage.

      • Expect to lease another car when your vehicle’s current contract expires.

      Exceeding the mileage limits on your lease can cost you 10 to 15 cents per mile. The dealer will inspect your car just before the lease expires, and you ll also be charged for excessive wear and tear.

      How to Lease

      Leasing a car is less complicated than buying one. But to get the best deal on the car you want, you must still follow these steps:

      Step 1. Choose a type — What kind of car do you want? Better yet, what car do you need? A convertible? A sedan? An SUV?

      Step 2. Pick your models — Make a list of car types in your price range. You can reduce non-lease costs by including models with favorable gas mileage, high dependability, top safety features and low insurance premiums (ask your auto insurance agent for a list of vehicles that fit the bill).

      Step 3. Take a test drive — Once you’ve narrowed your list to a few models, take each car for a test drive. Pay particular attention to comfort, visibility, braking, steering, internal noise and shock-absorption. At this stage, don’t yet mention you intend to lease (more on this in Step 6).

      Step 4. Ask about safety — During your test drive, ask the salesperson whether the vehicle comes with anti-lock brake systems (ABS), electronic stability control (ESC) and head-protecting side air bags. All are valuable safety features.

      Step 5. Compare lease deals — When you return home from the dealer, calculate the lease deals on offer and figure out how much you can afford to pay monthly.

      Step 6. Talk price first — Once you’re ready to return to a dealership to strike a deal, don’t tell the dealer you plan to lease until after you’ve negotiated a purchase price. Most people who lease are unaware that their monthly payments will be based on the final agreed-upon price.

      Step 7. Negotiate up — Negotiate the final price of the vehicle up from the rock-bottom cost to the dealership. You can find out what new cars cost a dealer for $14 per vehicle at Consumer Reports. Your monthly payments will be based on the price you and the salesperson settle on. That price will fall somewhere between the dealer’s wholesale price and the manufacturer s suggested retail price.

      Step 8. Beware of gab — Your salesperson may try to push you toward closing the deal by focusing on the relatively low amount you’ll have to pay each month. This, however, will add to the total amount you ll pay.

      Step 9. Paying the Lease — The larger your initial down payment, the lower your monthly tab will be. As with any bill, you ll face penalties if you fail to make payments on time. Turning in your leased car early, before the loan term ends will typically result in a penalty—unless you are trading in the car for another leased or purchased car.

      Related WSJ Articles and Blog Posts:

    Toyota Parts Deal – Lowest Price for Genuine Toyota Parts #auto #salvage #uk


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    Car Deal Expert Auto Loans – Auto Financing, Car Loans and Car Credit! #auto #finance #rates


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    Many people have heard that obtaining auto loans is really hard these days. Nothing could be further from the truth. Thanks to numerous incentives and guarantees being provided to the banks by Uncle Sam auto loans are quite easy to obtain again. And savvy consumers are using the ease of being able to finance a new or use car in order to ensure that they have reliable transportation. What Car Deal Expert does is help get you driving the car of your dreams faster and easier than you ever thought possible. Apply Now

    Who doesn’t want to drive home in a car they have confidence in; a truck that is both dependable and still fun? With Car Deal Expert, you’ll have the financing in hand from a trusted lender to help make the negotiating process one that always ends in your favor. When you add in the fact that we also can obtain for you the no-hassle, best-price for over a million cars in our inventory, it all adds up to one simple proposition: The best car, for the best price, with the best payment options. Why wait? Get the car or truck of your dreams today!

    AutoZone Coupons: Top Deal 50% Off #bad #credit #auto #loans #guaranteed #approval


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    Autobody Smart Parts – Utah s Number 1 Aftermarket Auto Parts Deal! #affordable #used #cars


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    Welcome to Auto Body Smart Parts

    Utah’s Number 1 Source for Aftermarket Auto Parts!

    Our goal is to provide high quality parts and customer service, with cost effective repair solutions for consumers and the automotive collision and repair industry.

    Our motto is “Price + Quality x Service = ValueВІ. We use top quality ISO certified manufacturers including; TYC, Jui-Li, Tong Yang, TYGP-(made in USA), Kool Vue/Perfect Fit, Dorman, Gordon Auto Body Parts, Pro Fortune, Alponex and more.

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    • Tailgates
    • and More!

    Auto Insurance: How to Get a Good Deal #dealer #auto #auction


    #best auto insurance
    #

    How to Get a Good Deal on Auto Insurance

    Thinkstock

    By the editors of Kiplinger’s Personal Finance | Updated March 2015

    Premiums can never be too cheap. Here are some ways to keep your car insurance bill down.

    Auto-insurance premiums have long since reached big-ticket status, so it pays to look for opportunities that will keep your costs down without sacrificing protection. Here are some things you can do:

    Do Some Homework

    Posing as ordinary buyers, investigators with the Pennsylvania Insurance Department once visited 186 insurance agencies in three cities. Of the 92 Philadelphia agents contacted, fewer than 30% volunteered information on discounts and deductibles that could have reduced premiums 20% to 40%.

    Advertisement

    The lesson: Arm yourself with as much information as you can before you start calling companies. You’ll find that some kinds of information are easier to get than others. It’s fairly easy to get cost and coverage information, but it’s also important to find out about the insurer’s complaint record — especially if you get a good cost quote from a company you’re not familiar with.

    Visit NAIC.org to find the contact information for your state insurance office; many of them keep track of consumer complaints and will share the results if they’re asked. You can also look up consumer complaint statistics directly at www.naic.org/cis. Finally, read through your policy carefully so that you’re sure of the kind and amount of protection you have.

    Compare the Premiums

    Survey after survey confirms that auto-insurance companies often charge greatly different premiums for the same coverage. In New York, Pennsylvania and elsewhere, premiums have been shown to vary sometimes by more than 100%.

    Rates may not vary as wildly in your area, but the odds are you will discover substantial differences if you take the time to get premium quotes from a number of companies. Begin by checking out InsuranceQuotes.com and InsuranceRates.com. where you can get quotes from several insurers (see our story 3 Simple Steps to Reshop Your Car Insurance ).Then check out sites for State Farm. Allstate. Progressive. Geico. and others. These quotes can act as a measure against which to judge identical coverage rates at different companies. If you’d like individualized help, you can work with an independent insurance agent — you can find one in your area at TrustedChoice.com

    Many state insurance offices distribute auto-insurance pricing guides, but the categories they use may not match yours. Your best bet is to use such a guide to identify your state’s most cost-effective insurers. Then get price quotes from a handful and you’ll have a truly comparative guide Reshop Your Car Insurance in 2015 .

    Manage Your Teenagers’ Driving

    Young drivers pay much more than most others because, as a group, they have more accidents. Rates will drop several notches when they reach age 25 or marry. Most companies give good-student or driver-education discounts to young drivers — commonly 5% to 25% off for a consistent B average — because statistically, good students are superior drivers. Young drivers can also get discounts for completing an approved driver-training course. The parents of students who spend part of the year at a school more than 100 or 150 miles away from home (and away from the family car) may also get a break.

    Drive Carefully Yourself

    Discounts are common for safe-driving records: Some companies give 5% off for drivers with three years of a clear record, raising the discount to 10% for drivers with six or more accident- and violation-free years.

    Advertisement

    Depending on which company insures you and where you live, you may even get a discount if you’re a nonsmoker, a woman who is a household’s only driver, a senior citizen, or a member of a certain profession (such as law or medicine) that is statistically less accident-prone.

    All ten of the leading insurers polled by the Insurance Information Institute offered a 15% to 20% discount to commuters sharing driving responsibilities in car pools, meaning they don’t drive their cars to work every day.

    When comparing policies, consider discounts but don’t fixate on them. A discount may very well be offset by a higher premium to begin with.

    Check Your Car’s Rating

    Insurers charge more for cars with high claims rates, no matter how good the driving record of the owner. Some charge less for collision and comprehensive coverage on models that score well for safety and durability, but add surcharges for others. A surcharge or a discount isn’t a judgment of a car’s quality. The rate variations reflect repair costs, accident frequency, theft losses and other factors.

    Before you buy your next car, it might pay to check on such differentials. Highway Loss Data Institute and also CarSafety.org provide loss data on nearly all makes and models,and your agent should be able to tell you the new car’s rating.

    Loss data do not necessarily translate into discounts, but they do show which vehicles are most likely to qualify.

    Consider Raising Your Deductibles

    It might make sense to choose the highest deductible you can afford to pay without seriously disrupting your finances. The idea is to pay for affordable damage yourself and let insurance kick in for bigger losses.

    Advertisement

    Whatever your situation, you can reduce your premium by accepting a larger deductible and transferring part of the risk from the company to yourself. Increasing your deductibles from $200 to $1,000 could cut your premiums by as much as 40% and prevent you from filing small claims that could cost you a claims-free discount. Even raising the deductible from $250 to $500 can take a bite out of your premiums. Then add extra money to your emergency funds to cover potential expenses.

    Reduce the Coverage on an Old Car

    You could consider dropping comprehensive and collision coverage on an old car to reduce your insurance costs fast. That would expose you to additional risk, but remember that the insurance company won’t pay more to fix a car than it’s worth. Each year’s depreciation therefore diminishes the maximum claim you can make against your collision coverage.

    If your car is five or more years old, depending on its value, you may be better off dropping both collision and comprehensive coverage and banking the savings. Estimate your car’s value by checking out the Kelley Blue Book website and consider how much protection you’re really buying for your collision and comprehensive premium.

    Insure All Cars With the Same Company

    You get a break for the second and successive cars covered by the same policy, so it’s usually more economical to put all your cars on one policy. Similarly, consider using the same company for other policies. Some insurers offer discounts of up to 15% for insuring your home and auto with the same company.

    Don’t Pay By Installments

    The company tacks an extra amount on to your premium when you pay in monthly or quarterly installments. If you can afford it, pay your premium in a lump sum.

    Improve Your Credit Score

    Insurers have found a strong correlation between credit history and insurance claims, and in most states your credit score can make a big difference in your auto insurance rates. Make sure you don’t have any errors on your credit report that can hurt your credit score; you can get a free copy of your credit report from each of the three bureaus every 12 months at AnnualCreditReport.com. See 7 Habits of People With Excellent Credit Scores for more information about boosting your score.

    Prime Choice Auto Parts Coupons: Top Deal 10% Off #auto #body


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    Prime Choice Auto Parts Coupons, Deals and Promo Codes

    Never miss coupons from Prime Choice Auto Parts!

    Related Stores

    Similar Deals Discounts

    About Prime Choice Auto Parts Deals

    Tired of spending in bulk on auto parts? The Prime Choice Auto Parts coupons from Goodshop are the most suitable new way to purchase the best auto parts online at discounted prices. With over 30 years, Wholesale Auto Parts experience, direct from the manufacturer pricing, state of the art warehousing and one million parts in stock, Prime Choice Auto Parts is your best choice for high quality auto parts. This company is the leading online auto parts factory outlet offering the best in customer service, quality and price. They are proud to offer high quality, direct fit and aftermarket auto parts for your car or truck from their warehouse to your doorstep. You can purchase auto parts varying in different categories including Brake Parts, Hub Bearings, Complete Strut Assembly, Wheel Bearings, Alternators and many others. Few more frequently sold item categories are Oxygen Sensors, Fuel Pumps, Water Pumps, Axle Shafts and Catalytic Convertors. One can use the highly favorable Prime Choice Auto Parts coupons and buy products from this store at really low prices. Visit Goodshop now and take away the Prime Choice Auto Parts free coupons to enjoy unbelievable benefits.

    You can always check out what their customers are saying about them by visiting the Customer Reviews section of the website. The reviews will make you understand better how the outlet works and why their products are so well appreciated. Take advantage of Prime Choice Auto Parts promo codes and attain great discounted prices while purchasing products at his store. These Prime Choice Auto Parts deals on Goodshop can also get you free shipping on your order. So be a smart buyer and take advantage of the Prime Choice Auto Parts online discounts for huge savings.

    They understand that you are purchasing car parts today because you need them today. This is why they believe in quick shipping. They ship your products the same day you place the order. They know that your time and vehicles are precious and their mission is to respect both. Also, in case you are not satisfied with the products, you can comfortably return them. However, they do charge a small restocking fee. All these great facilities and products are available at one single store. Bring good to the world and use the most powerful coupons on earth while shopping at Prime Choice Auto Parts.

    How to Lease a Car and Get the Best Deal – Personal Finance. #ppg #auto #paint


    #best auto lease deals
    #

    How to Lease a Car and Get the Best Deal

    Tips

    • Over time, the cost of leasing several cars will likely exceed the purchase price of a new or used car.
    • Don’t tell a car dealer you plan to lease until after you’ve negotiated the car’s purchase price.
    • Beware salespeople who focus only on your monthly payment will be. Stay aware of the total price you’ll pay, including down payment and monthly bills.
    • Related How-Tos

      Feedback

      A car lease lets you drive a new vehicle without paying a large sum of cash or taking out a loan.

      To lease a car, you simply make a small down payment less than the typical 20% of a car s value you d pay to buy followed by monthly payments for the term of the lease. When the term expires, you return the car.

      Leasing a car has some drawbacks, however. Among them:

      • You don’t own the car when your lease expires. You essentially rent, not buy, the car. So you don’t have equity in the car to use toward the purchase of another vehicle.

      • Over time, say 10 years, the cost of leasing several cars will likely exceed the purchase price of a new or used car.

      • Lease terms can carry steep penalties. You may have to pay penalties if:

      -You exceed the number of miles in your lease contract.

      – You fail to keep the interior and exterior of the car in good condition.

      – You drive the car hard and inflict significant wear and tear on the car’s performance and appearance.

      – You want to return the car before your contract expires.

      Does a lease make sense for you?

      Leasing is more beneficial than buying when you:

      • Don’t have the cash to buy the car.

      • Want to drive a vehicle that’s out of your purchase price range.

      • Won’t likely exceed the mileage cap in a contract—usually between 10,000 and 15,000 miles per year.

      • Can take good care of the car’s exterior and interior, paying particular attention to avoid nicks, spills and other cosmetic damage.

      • Expect to lease another car when your vehicle’s current contract expires.

      Exceeding the mileage limits on your lease can cost you 10 to 15 cents per mile. The dealer will inspect your car just before the lease expires, and you ll also be charged for excessive wear and tear.

      How to Lease

      Leasing a car is less complicated than buying one. But to get the best deal on the car you want, you must still follow these steps:

      Step 1. Choose a type — What kind of car do you want? Better yet, what car do you need? A convertible? A sedan? An SUV?

      Step 2. Pick your models — Make a list of car types in your price range. You can reduce non-lease costs by including models with favorable gas mileage, high dependability, top safety features and low insurance premiums (ask your auto insurance agent for a list of vehicles that fit the bill).

      Step 3. Take a test drive — Once you’ve narrowed your list to a few models, take each car for a test drive. Pay particular attention to comfort, visibility, braking, steering, internal noise and shock-absorption. At this stage, don’t yet mention you intend to lease (more on this in Step 6).

      Step 4. Ask about safety — During your test drive, ask the salesperson whether the vehicle comes with anti-lock brake systems (ABS), electronic stability control (ESC) and head-protecting side air bags. All are valuable safety features.

      Step 5. Compare lease deals — When you return home from the dealer, calculate the lease deals on offer and figure out how much you can afford to pay monthly.

      Step 6. Talk price first — Once you’re ready to return to a dealership to strike a deal, don’t tell the dealer you plan to lease until after you’ve negotiated a purchase price. Most people who lease are unaware that their monthly payments will be based on the final agreed-upon price.

      Step 7. Negotiate up — Negotiate the final price of the vehicle up from the rock-bottom cost to the dealership. You can find out what new cars cost a dealer for $14 per vehicle at Consumer Reports. Your monthly payments will be based on the price you and the salesperson settle on. That price will fall somewhere between the dealer’s wholesale price and the manufacturer s suggested retail price.

      Step 8. Beware of gab — Your salesperson may try to push you toward closing the deal by focusing on the relatively low amount you’ll have to pay each month. This, however, will add to the total amount you ll pay.

      Step 9. Paying the Lease — The larger your initial down payment, the lower your monthly tab will be. As with any bill, you ll face penalties if you fail to make payments on time. Turning in your leased car early, before the loan term ends will typically result in a penalty—unless you are trading in the car for another leased or purchased car.

      Related WSJ Articles and Blog Posts:

    Car Deal Expert Auto Loans – Auto Financing, Car Loans and Car Credit! #auto #city #dallas


    #auto financing
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    Let the Auto Loan Pros at Car Deal Expert Put You in Your Next New or Used Car

    Many people have heard that obtaining auto loans is really hard these days. Nothing could be further from the truth. Thanks to numerous incentives and guarantees being provided to the banks by Uncle Sam auto loans are quite easy to obtain again. And savvy consumers are using the ease of being able to finance a new or use car in order to ensure that they have reliable transportation. What Car Deal Expert does is help get you driving the car of your dreams faster and easier than you ever thought possible. Apply Now

    Who doesn’t want to drive home in a car they have confidence in; a truck that is both dependable and still fun? With Car Deal Expert, you’ll have the financing in hand from a trusted lender to help make the negotiating process one that always ends in your favor. When you add in the fact that we also can obtain for you the no-hassle, best-price for over a million cars in our inventory, it all adds up to one simple proposition: The best car, for the best price, with the best payment options. Why wait? Get the car or truck of your dreams today!

    Autobody Smart Parts – Utah s Number 1 Aftermarket Auto Parts Deal! #auto #wheels


    #aftermarket auto body parts
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    Welcome to Auto Body Smart Parts

    Utah’s Number 1 Source for Aftermarket Auto Parts!

    Our goal is to provide high quality parts and customer service, with cost effective repair solutions for consumers and the automotive collision and repair industry.

    Our motto is “Price + Quality x Service = ValueВІ. We use top quality ISO certified manufacturers including; TYC, Jui-Li, Tong Yang, TYGP-(made in USA), Kool Vue/Perfect Fit, Dorman, Gordon Auto Body Parts, Pro Fortune, Alponex and more.

    We carry many CAPA and NSF certified parts. We offer parts that are designed and manufactured to industry leading specifications to ensure the best quality, fit, and performance while maintaining competitive industry prices.

    Featured Automotive Products:

    • Headlights
    • Taillights
    • Turn Signals/Park Lamps
    • Fog Lamps
    • Mirrors
    • Fenders
    • Hoods
    • Grilles
    • Bumpers and Bumper Covers
    • Window Regulators
    • Door Handles
    • Tailgates
    • and More!

    Auto Insurance: How to Get a Good Deal #old #cars #for #sale


    #best auto insurance
    #

    How to Get a Good Deal on Auto Insurance

    Thinkstock

    By the editors of Kiplinger’s Personal Finance | Updated March 2015

    Premiums can never be too cheap. Here are some ways to keep your car insurance bill down.

    Auto-insurance premiums have long since reached big-ticket status, so it pays to look for opportunities that will keep your costs down without sacrificing protection. Here are some things you can do:

    Do Some Homework

    Posing as ordinary buyers, investigators with the Pennsylvania Insurance Department once visited 186 insurance agencies in three cities. Of the 92 Philadelphia agents contacted, fewer than 30% volunteered information on discounts and deductibles that could have reduced premiums 20% to 40%.

    Advertisement

    The lesson: Arm yourself with as much information as you can before you start calling companies. You’ll find that some kinds of information are easier to get than others. It’s fairly easy to get cost and coverage information, but it’s also important to find out about the insurer’s complaint record — especially if you get a good cost quote from a company you’re not familiar with.

    Visit NAIC.org to find the contact information for your state insurance office; many of them keep track of consumer complaints and will share the results if they’re asked. You can also look up consumer complaint statistics directly at www.naic.org/cis. Finally, read through your policy carefully so that you’re sure of the kind and amount of protection you have.

    Compare the Premiums

    Survey after survey confirms that auto-insurance companies often charge greatly different premiums for the same coverage. In New York, Pennsylvania and elsewhere, premiums have been shown to vary sometimes by more than 100%.

    Rates may not vary as wildly in your area, but the odds are you will discover substantial differences if you take the time to get premium quotes from a number of companies. Begin by checking out InsuranceQuotes.com and InsuranceRates.com. where you can get quotes from several insurers (see our story 3 Simple Steps to Reshop Your Car Insurance ).Then check out sites for State Farm. Allstate. Progressive. Geico. and others. These quotes can act as a measure against which to judge identical coverage rates at different companies. If you’d like individualized help, you can work with an independent insurance agent — you can find one in your area at TrustedChoice.com

    Many state insurance offices distribute auto-insurance pricing guides, but the categories they use may not match yours. Your best bet is to use such a guide to identify your state’s most cost-effective insurers. Then get price quotes from a handful and you’ll have a truly comparative guide Reshop Your Car Insurance in 2015 .

    Manage Your Teenagers’ Driving

    Young drivers pay much more than most others because, as a group, they have more accidents. Rates will drop several notches when they reach age 25 or marry. Most companies give good-student or driver-education discounts to young drivers — commonly 5% to 25% off for a consistent B average — because statistically, good students are superior drivers. Young drivers can also get discounts for completing an approved driver-training course. The parents of students who spend part of the year at a school more than 100 or 150 miles away from home (and away from the family car) may also get a break.

    Drive Carefully Yourself

    Discounts are common for safe-driving records: Some companies give 5% off for drivers with three years of a clear record, raising the discount to 10% for drivers with six or more accident- and violation-free years.

    Advertisement

    Depending on which company insures you and where you live, you may even get a discount if you’re a nonsmoker, a woman who is a household’s only driver, a senior citizen, or a member of a certain profession (such as law or medicine) that is statistically less accident-prone.

    All ten of the leading insurers polled by the Insurance Information Institute offered a 15% to 20% discount to commuters sharing driving responsibilities in car pools, meaning they don’t drive their cars to work every day.

    When comparing policies, consider discounts but don’t fixate on them. A discount may very well be offset by a higher premium to begin with.

    Check Your Car’s Rating

    Insurers charge more for cars with high claims rates, no matter how good the driving record of the owner. Some charge less for collision and comprehensive coverage on models that score well for safety and durability, but add surcharges for others. A surcharge or a discount isn’t a judgment of a car’s quality. The rate variations reflect repair costs, accident frequency, theft losses and other factors.

    Before you buy your next car, it might pay to check on such differentials. Highway Loss Data Institute and also CarSafety.org provide loss data on nearly all makes and models,and your agent should be able to tell you the new car’s rating.

    Loss data do not necessarily translate into discounts, but they do show which vehicles are most likely to qualify.

    Consider Raising Your Deductibles

    It might make sense to choose the highest deductible you can afford to pay without seriously disrupting your finances. The idea is to pay for affordable damage yourself and let insurance kick in for bigger losses.

    Advertisement

    Whatever your situation, you can reduce your premium by accepting a larger deductible and transferring part of the risk from the company to yourself. Increasing your deductibles from $200 to $1,000 could cut your premiums by as much as 40% and prevent you from filing small claims that could cost you a claims-free discount. Even raising the deductible from $250 to $500 can take a bite out of your premiums. Then add extra money to your emergency funds to cover potential expenses.

    Reduce the Coverage on an Old Car

    You could consider dropping comprehensive and collision coverage on an old car to reduce your insurance costs fast. That would expose you to additional risk, but remember that the insurance company won’t pay more to fix a car than it’s worth. Each year’s depreciation therefore diminishes the maximum claim you can make against your collision coverage.

    If your car is five or more years old, depending on its value, you may be better off dropping both collision and comprehensive coverage and banking the savings. Estimate your car’s value by checking out the Kelley Blue Book website and consider how much protection you’re really buying for your collision and comprehensive premium.

    Insure All Cars With the Same Company

    You get a break for the second and successive cars covered by the same policy, so it’s usually more economical to put all your cars on one policy. Similarly, consider using the same company for other policies. Some insurers offer discounts of up to 15% for insuring your home and auto with the same company.

    Don’t Pay By Installments

    The company tacks an extra amount on to your premium when you pay in monthly or quarterly installments. If you can afford it, pay your premium in a lump sum.

    Improve Your Credit Score

    Insurers have found a strong correlation between credit history and insurance claims, and in most states your credit score can make a big difference in your auto insurance rates. Make sure you don’t have any errors on your credit report that can hurt your credit score; you can get a free copy of your credit report from each of the three bureaus every 12 months at AnnualCreditReport.com. See 7 Habits of People With Excellent Credit Scores for more information about boosting your score.

    Best Deal Auto Sales – Used Cars – Melbourne FL Dealer #nada #auto #values


    #auto deals
    #

    Best Deal Auto Sales – Melbourne FL, 32940

    BEST DEAL AUTO SALES We pride ourselves in offering quality pre-owned vehicles with the financing options you need. Whether you have Good Credit, Bad Credit, or No Credit, BEST DEAL AUTO SALES can get you into your next vehicle. Feel free to drop by or call ahead for an appointment. Be sure to check our price against the prices of other automobile dealerships in the area. Whether you are planning to buy now or will be buying in the future, BEST DEAL AUTO SALES offers the best selection of used cars, vans, autos, SUVs, and trucks of any car lot in the area, plus great prices! Our Quality, Sales and Satisfied Customers prove it!

    From our convenient location MELBOURNE ,FL, you can check out all the cars, trucks, vans, SUVs, and other automobiles we have in stock. We also serve Surrounding countys. We also have a large customer base in Orange,Indian river,St. Lucie,Volusia and many more that we’ve helped find great pre-owned vehicles. So don’t hesitate to come down and see for yourself why dealing with us is the new way to buy your next vehicle!

    For many years, Best Deal Auto Sales has been the premier Used Cars, Used Pickup Trucks lot in the Melbourne, Cocoa, Cocoa Beach area. We’re located near Cocoa, Cocoa Beach. At Best Deal Auto Sales, our mission is to achieve customer satisfaction with each and every one of our shoppers by giving you the best Melbourne Used Cars. Used Pickups For Sale buying experience possible. While there are other Used Cars, Used Pickup Trucks lots in the Melbourne, Cocoa, Cocoa Beach area, there is only one Best Deal Auto Sales.

    If you’re in the market for a Melbourne Used Cars. Used Pickups For Sale inventory, Best Deal Auto Sales is the place to be! As a great selling Used Cars, Used Pickup Trucks lot in the region, we consistently stock used cars for sale, used vehicles, usedcars, pre-owned cars, used pickup trucks, trucks, pickups, pick up trucks. Cocoa, Cocoa Beach Used Cars, Used Pickup Trucks shoppers can also see the rest of our Used Cars. Used Pickups For Sale. If you haven’t made up your mind on what used cars for sale, used vehicles, usedcars, pre-owned cars, used pickup trucks, trucks, pickups, pick up trucks you would like to take a look at, you’ll find that our website is very helpful. While other Melbourne Used Cars, Used Pickup Trucks lots may offer you some information on their Used Cars. Used Pickups For Sale lineup, Best Deal Auto Sales gives you the complete picture.

    In addition to our great Melbourne Used Cars, Used Pickup Trucks lineup, buying a Used Cars, Pickup Trucks in the Cape Canaveral, Cocoa, Cocoa Beach, Indialantic, Melbourne, Merritt Island, Palm Bay, Patrick Afb, Rockledge, Satellite Beach, Sharpes area has never been easier! We carry Used Cars. Used Pickups For Sale and more. Now, you can browse the great selection of used cars for sale, used vehicles, usedcars, pre-owned cars, used pickup trucks, trucks, pickups, pick up trucks that everyone is talking about! Make sure and visit our Melbourne Used Cars, Used Pickup Trucks inventories often.

    We hope that you find our website helpful to your needs. Although Best Deal Auto Sales of Melbourne in FL doesn’t stay open 24 hours a day, our dealership website is always open all day, every day! On our website which serves Melbourne area customers, you can research our Used Cars, Used Pickup Trucks, Used Cars. Used Pickups For Sale, used cars for sale, used vehicles, usedcars, pre-owned cars, used pickup trucks, trucks, pickups, pick up trucks. Search the extensive inventory of all the Best Deal Auto Sales Used Cars, Pickup Trucks that we offer at great prices, request a vehicle price quote, view pictures and data about the Used Cars. Used Pickups For Sale or learn about our Used Cars, Pickup Trucks that we currently have. Give us a call at 321-752-6444.

    Melbourne Used Cars, Used Pickup Trucks | Cocoa FL Used Cars, Used Pickup Trucks | Cocoa Beach Used Cars, Used Pickup Trucks

    Best Deal Auto Sales – Used Cars, Used Pickup Trucks Melbourne, FL