Best Used Cars Under $5000 – Enhanced Insurance #ny #auto #show


#cars under 5000
#

Best Used Cars Under $5000

For many Americans some form of automobile is more than just a luxury: it is a necessary part of their daily arsenal of accessories. According to the US Census Bureau. the average American has to face an almost half-hour commute one way to get to their place of work or back home every day, and will spend on average nearly 40 hours stuck in traffic per year. People in San Francisco spent a reported 83 hours sitting in traffic not moving in 2013. Combining that time with trips to the grocery store, recreation, and other obligations, and it becomes obvious that for most Americans their automobile is one of the most important items they own. This article will discuss some of the best used cars under $5000.

We are living in a time when the economy is in less than perfect condition. With around 15 percent of our nation living at or below the poverty line. many Americans simply cannot afford to spend a great deal of money on a brand new automobile. More than that, every automobile comes with a whole slew of associated long-term costs, like fuel, maintenance, and of course, insurance. These costs add significantly to the price of a vehicle, and unfortunately for many the trade-off is usually that better reliability and fuel mileage come with higher prices.

So, what can a budget-conscious (or economically constrained) individual in need of a new automobile do? The answer is, obviously, to delve into the used/pre-owned vehicle market. Yet, even when looking at pre-owned vehicles or, perhaps, even more so than when looking at new ones finding a balance between price and reliability is often frustrating. Vehicles that are easily obtainable for cheap are often times cheap for a reason, whether that be poor condition, poor performance, or just general low appeal to secondhand buyers.

Looking through the thousands of pre-owned cars on the market and trying to find one that both fits your budget in the short term and won t break the bank in the long run can be a huge hassle, but with a little forethought and planning, finding a reliable, fuel-efficient vehicle for cheap can be done.

Why Used Cars Under $5000?

For the purposes of looking at pre-owned vehicles, five thousand dollars is often considered a great place to start your budget. Five thousand dollars gives you enough ceiling to open up a lot of relatively recent pre-owned vehicles for consideration, which can be important when considering fuel economy and reliability.

While trucks and SUVs are often popular vehicles, the best reliability and fuel economy can often be found in the pre-owned car market. Not only are trucks and SUVs more often than not less fuel efficient than compact cars and sedans, but drivers have a tendency to put them through a lot more adventuresome driving than your average family car will see. This makes pre-owned cars the best place for a shopper to look when trying to find a solid investment in their transportation future.

Eight Cars Under $5000

While it is true that there are literally hundreds if not thousands of cars to choose from, even at the five grand price limit, not every car is made the same. You can visit dozens of sites looking for the best vehicles available in nearly any price range, and every site will give you a different list of recommendations. Despite this, there are a few standbys that nearly every list will include due to their universally accepted excellence for their price point.

In no particular order, here are eight of the most recommended used cars under five thousand dollars:

2005 Chevrolet Aveo Hatchback

2001 Honda Civic Coupe

2003 Volvo S40 Sedan

2000 Ford Crown Victoria Sedan

2000 Honda Accord Sedan

2000 Mazda MX-5 Miata Convertible

2002 Toyota Corolla Sedan

2002 Chevrolet Prizm Sedan

http://www.edmunds.com/

Price:  between $3000-$3500

Why it is recommended:  The Prizm is, for the most part, a Toyota Corolla re-branded with the Chevrolet logo. As such, many of the concerns and advantages associated with the Corolla also apply to the Prizm. The Prizm is considered to be somewhat less common to find, but was also less popular than the Corolla, helping to keep its price low.

Beyond The Car

Our list above is a great place to start for buyers looking for a good price on a reliable vehicle, but a smart consumer will always take the time to look beyond a vehicle’s make, model, and year to make sure they are getting the best deal possible. Whether shopping on a budget or picking up a long-time dream, keeping an eye on every aspect of any car you purchase can be vital to getting the best deal possible.

There is more to purchasing a pre-owned car than simply finding the right car at the right budget. Not all used cars are created equal, and the more time that has passed between a car’s release and when you purchase it the more opportunities other drivers have had to abuse or mistreat it. Often times simple wear and tear can lead to an otherwise well-kept car being problematic within months of being purchased at no fault to either the original owner or the person who took it of their hands.

For savvy buyers, there are a few features you can look for when purchasing a pre-owned car that can help to not only protect you against problems, but sometimes can even help to keep your insurance rates on the car as low as possible.

The first item that can help the most is also one of the most problematic: checking to see if the vehicle has been manufacturer re-certified. When a manufacturer recertifies a used vehicle, that means that they believe the vehicle to be up to their standards of quality in terms of part life and expected vehicle lifespan as a whole. Manufacturer recertified vehicles will often offer manufacturer’s warranties despite being pre-owned, a feature that many insurance companies appreciate and will take into account when considering your insurance premiums.

The problem with manufacturer recertification is twofold. First of all, though not a bad thing, manufacturer recertification is not a simple process of calling up the vehicle’s manufacturer and having them approve it. Manufacturer recertification takes time and some investment on the seller or retailer’s part, and as such will usually only be found on vehicles purchased from either certified retailers or high-capacity resellers. When dealing with either smaller lots or individuals looking to sell their personal vehicle, manufacturer recertification is virtually off the table.

The second problem with manufacturer recertification is vehicle age. Many manufacturers will only offer recertification on vehicles within the last four to six model years of production, meaning that older vehicles including all of those on our list are typically no longer able to receive manufacturer recertification regardless of quality.

All hope is not lost when it comes to used cars without recertification, though. Beyond manufacturer recertification there is also dealer certification or recertification, by which the dealer who sells the vehicle gives their own assurance to the vehicle’s quality and reliability. While dealer certification does not carry the same weight as manufacturer recertification when it comes to many considerations, it has the distinct advantage of being easier to obtain, and when it comes to consumer experience can often offer most, if not all, of the same advantages dealer recertification conveys.

Beyond recertification, the next major important feature a buyer should look into when purchasing a pre-owned vehicle is accident records. Checking a vehicle’s VIN against accident databases such as Carfax  can give a prospective buyer a great deal of information on the history of a vehicle, much of which will reflect on the vehicle’s reliability and safety. If a vehicle has been in a major accident, even if it has been rebuilt, overall reliability is likely to suffer, and in some cases an accident history can raise insurance rates on the vehicle even if the driver who owned the vehicle at the time of the accident is no longer in ownership.

3, 2, 1, Go

Just because you are shopping for a vehicle on a tight budget does not mean you have to sacrifice either safety or efficiency when doing so. The economy may be tight at the moment, but with a little time and effort, and foreknowledge on your side, even the most cash-strapped of car buyers can find a vehicle that fits their budget and  their needs. The vehicles we have included in our list are all great examples of reliable cars that can be purchased on a budget, but they are only a drop in the bucket when it comes to all the makes and models available on the market. Take the time to do your research on any vehicle you find, and look for those with strong safety records as a model and clean bills of health as individual units, and you can save yourself a lot of time and money at the dealer, at the pump, at the insurance company, and beyond.

Once you ve narrowed your search, call your insurance agent for a quote for particular makes and models to get exact insurance pricing.

Other Enhanced Insurance articles related to car care and purchasing:


Enhanced Recovery Company, LLC (Collection Agency) – myFICO® Forums #auto #enhanced #credit #score


#

SCORE CREDIT MONITORING

ONE TIME REPORTS SCORES

Support

Just wanted to inform anybody who also has a collection with Enhanced Recovery Company (ERC) that they actually have an option for PFD or PIF when you call their number or a certain number. I called them yesterday and pretty much went straight to a representative. This morning I just called with the number thats on the Snail Mail they sent out a couple of months ago and they had an automated option for PFD or PIF, i forgot which one, but after you choose that option it goes to a rep. Just state what you pushed on the phone and that you want to PFD or PIF. The rep said when I make my payment through that phone that they automatically send out one of those confirmation letters in about 7 days after payment. She said just to call back if I don’t hear anything within that timeframe.

The number I used to get both prompts was: 1(800) 496-4831

Hope this can help out someone who is in the same boat with the company. Seems that they have come to expect this stuff now. Guess it’s great for us. But thats my experience so far. Will update when I receive the letter or if I receive it. lol.

Community Leader
Epic Contributor

There’s a huge difference between a PIF, which any debt collector is apt to scoff up without question, and consideration of a deletion as a condition of that PIF.

I have never heard of a debt collector offering a regular process for handling requests for CR deletion based on payment of a debt, let alone an automated system.

Such a process would appear contrary to their credit reporting agreement with the CRAs, which I highly doubt they would advertise as a regular process.

I would be interested in what they are officially offering.

Copyright 2001-2013 Fair Isaac Corporation.
All rights reserved.

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history or credit rating. FTC’s website on credit.

Copyright 2001-2013 Fair Isaac Corporation.
All rights reserved.

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history or credit rating. FTC’s website on credit.


Security Assessment, VAPT, ECSA Training in Bangalore, Chennai, Mumbai, Pune, Delhi, Gurgaon, Noida, Muscat, Qatar, Dubai, Certified Security Analyst, Ethical Hacking, GPEN, Penetration Tester, Network Security Testing, Web Application Security Testing, Assessment, Bootcamp, Workshop #security #assessment, #vapt, #ecsa #training, #certified #security #analyst, #ethical #hacking, #gpen, #penetration #tester, #network #security #testing, #web #application #security #testing, #assessment, #bootcamp, #workshop, #bangalore, #chennai, #mumbai, #pune, #delhi, #gurgaon, #noida, #muscat, #qatar, #dubai, #pt, #penetration #testing, #va, #vulnerability #assessment, #countermeasures, #encryption, #patch #management, #perimeter #defense, #database #security, #firewall #architecture, #intrusion #analysis, #network #attacks, #network #scanning, #os #security, #system #hacking, #black #box #penetration #testing, #grey #box #penetration #testing, #white #box #penetration #testing, #aes, #advanced #encryption #standard, #backdoors, #bou, #buffer #overflow #utility, #brute #force #attack, #brutus, #burp #suite, #code #analysis, #code #injection #attack, #cross #site #request #forgery, #cross #site #scripting, #cryptography, #data #breach, #data #encryption #standard, #data #execution #prevention, #ddos, #distributed #denial #of #service, #dmz, #demilitarized #zone, #dos, #denial #of #service, #dep, #des, #digital #signature, #directory #traversal, #emet, #enhanced #mitigation #experience #toolkit, #enumeration, #footprinting, #gak, #government #access #to #keys, #google #hacking, #hacktivism, #hijacking #webservers, #honeypots, #ibm #appscan, #identify #theft, #ids, #intrusion #detection #system, #ip #address #spoofing, #ips, #intrusion #prevention #system, #keystroke #loggers, #kismet, #ldap #injection, #linux #hacking, #malware, #man-in-the-middle #attack, #metasploit #architecture, #nessus, #nmap, #packet #sniffing, #paros, #password #cracking, #phishing, #pki, #public #key #infrastructure, #privilege #escalation, #reconnaissance, #rsa, #rivest #shamir #adleman, #rootkits, #san #cwe #top #25, #sha, #secure #hashing #algorithm, #ssh, #secure #shell, #ssl, #secure #sockets #layer, #session #hijacking, #snmp, #simple #network #management #protocol, #siv, #system #integrity #verifiers, #snort, #social #engineering, #solar #winds, #spyware, #sql #injection, #steganography, #thread #modeling, #threat #profiling, #tls, #transport #layer #security, #trojans, #utm, #unified #threat #management, #virus, #wep #encryption, #wepcrack, #worms, #wpa #cracking


#

A penetration test is done to evaluate the security of a computer system or network by simulating an attack by a malicious user / hacker. The process involves active exploitation of security vulnerabilities that may be present due to poor or improper system configuration, known and / or unknown hardware or software flaws, or operational weaknesses in process or design.

This analysis is carried out from the position of a potential attacker, to determine feasibility of an attack and the resulting business impact of a successful exploit. Usually this is presented with recommendations for mitigation or a technical solution.

About this workshop

This workshop gives an in-depth perspective of penetration testing approach and methodology that covers all modern infrastructure, operating systems and application environments.

This workshop is designed to teach security professionals the tools and techniques required to perform comprehensive information security assessment.

Participants will learn how to design, secure and test networks to protect their organization from the threats hackers and crackers pose. This workshop will help participants to effectively identify and mitigate risks to the security of their organization s infrastructure.

This 40 hour highly interactive workshop will help participants have hands on understanding and experience in Security Assessment.

A proper understanding of Security Assessment is an important requirement to analyze the integrity of the IT infrastructure.

Expertise in security assessment is an absolute requirement for a career in information security management and could be followed by management level certifications like CISA, CISSP, CISM, CRISC and ISO 27001.

There are many reasons to understand Security Assessment:

  • Prepare yourself to handle penetration testing assignments with more clarity
  • Understand how to conduct Vulnerability Assessment
  • Expand your present knowledge of identifying threats and vulnerabilities
  • Bring security expertise to your current occupation
  • Become more marketable in a highly competitive environment

Therefore this workshop will prepare you to handle VA / PT assignments and give you a better understanding of various security concepts and practices that will be of valuable use to you and your organization.

This workshop will significantly benefit professionals responsible for security assessment of the network / IT infrastructure.

  • IS / IT Specialist / Analyst / Manager
  • IS / IT Auditor / Consultant
  • IT Operations Manager
  • Security Specialist / Analyst
  • Security Manager / Architect
  • Security Consultant / Professional
  • Security Officer / Engineer
  • Security Administrator
  • Security Auditor
  • Network Specialist / Analyst
  • Network Manager / Architect
  • Network Consultant / Professional
  • Network Administrator
  • Senior Systems Engineer
  • Systems Analyst
  • Systems Administrator

Anyone aspiring for a career in Security Assessment would benefit from this workshop. The workshop is restricted to participants who have knowledge of ethical hacking countermeasures.

The entire workshop is a combination of theory and hands-on sessions conducted in a dedicated ethical hacking lab environment.

  • The Need for Security Analysis
  • Advanced Googling
  • TCP/IP Packet Analysis
  • Advanced Sniffing Techniques
  • Vulnerability Analysis with Nessus
  • Advanced Wireless Testing
  • Designing a DMZ
  • Snort Analysis
  • Log Analysis
  • Advanced Exploits and Tools
  • Penetration Testing Methodologies
  • Customers and Legal Agreements
  • Rules of Engagement
  • Penetration Testing Planning and Scheduling
  • Pre Penetration Testing Checklist
  • Information Gathering
  • Vulnerability Analysis
  • External Penetration Testing
  • Internal Network Penetration Testing
  • Routers and Switches Penetration Testing
  • Firewall Penetration Testing
  • IDS Penetration Testing
  • Wireless Network Penetration Testing
  • Denial of Service Penetration Testing
  • Password Cracking Penetration Testing
  • Social Engineering Penetration Testing
  • Stolen Laptop, PDAs and Cell phones Penetration Testing
  • Application Penetration Testing
  • Physical Security Penetration Testing
  • Database Penetration testing
  • VoIP Penetration Testing
  • VPN Penetration Testing
  • War Dialing
  • Virus and Trojan Detection
  • Log Management Penetration Testing
  • File Integrity Checking
  • Blue Tooth and Hand held Device Penetration Testing
  • Telecommunication and Broadband Communication Penetration Testing
  • Email Security Penetration Testing
  • Security Patches Penetration Testing
  • Data Leakage Penetration Testing
  • Penetration Testing Deliverables and Conclusion
  • Penetration Testing Report and Documentation Writing
  • Penetration Testing Report Analysis
  • Post Testing Actions
  • Ethics of a Penetration Tester
  • Standards and Compliance

Best Used Cars Under $5000 – Enhanced Insurance #best #auto #insurance #rates


#cars under 5000
#

Best Used Cars Under $5000

For many Americans some form of automobile is more than just a luxury: it is a necessary part of their daily arsenal of accessories. According to the US Census Bureau. the average American has to face an almost half-hour commute one way to get to their place of work or back home every day, and will spend on average nearly 40 hours stuck in traffic per year. People in San Francisco spent a reported 83 hours sitting in traffic not moving in 2013. Combining that time with trips to the grocery store, recreation, and other obligations, and it becomes obvious that for most Americans their automobile is one of the most important items they own. This article will discuss some of the best used cars under $5000.

We are living in a time when the economy is in less than perfect condition. With around 15 percent of our nation living at or below the poverty line. many Americans simply cannot afford to spend a great deal of money on a brand new automobile. More than that, every automobile comes with a whole slew of associated long-term costs, like fuel, maintenance, and of course, insurance. These costs add significantly to the price of a vehicle, and unfortunately for many the trade-off is usually that better reliability and fuel mileage come with higher prices.

So, what can a budget-conscious (or economically constrained) individual in need of a new automobile do? The answer is, obviously, to delve into the used/pre-owned vehicle market. Yet, even when looking at pre-owned vehicles or, perhaps, even more so than when looking at new ones finding a balance between price and reliability is often frustrating. Vehicles that are easily obtainable for cheap are often times cheap for a reason, whether that be poor condition, poor performance, or just general low appeal to secondhand buyers.

Looking through the thousands of pre-owned cars on the market and trying to find one that both fits your budget in the short term and won t break the bank in the long run can be a huge hassle, but with a little forethought and planning, finding a reliable, fuel-efficient vehicle for cheap can be done.

Why Used Cars Under $5000?

For the purposes of looking at pre-owned vehicles, five thousand dollars is often considered a great place to start your budget. Five thousand dollars gives you enough ceiling to open up a lot of relatively recent pre-owned vehicles for consideration, which can be important when considering fuel economy and reliability.

While trucks and SUVs are often popular vehicles, the best reliability and fuel economy can often be found in the pre-owned car market. Not only are trucks and SUVs more often than not less fuel efficient than compact cars and sedans, but drivers have a tendency to put them through a lot more adventuresome driving than your average family car will see. This makes pre-owned cars the best place for a shopper to look when trying to find a solid investment in their transportation future.

Eight Cars Under $5000

While it is true that there are literally hundreds if not thousands of cars to choose from, even at the five grand price limit, not every car is made the same. You can visit dozens of sites looking for the best vehicles available in nearly any price range, and every site will give you a different list of recommendations. Despite this, there are a few standbys that nearly every list will include due to their universally accepted excellence for their price point.

In no particular order, here are eight of the most recommended used cars under five thousand dollars:

2005 Chevrolet Aveo Hatchback

2001 Honda Civic Coupe

2003 Volvo S40 Sedan

2000 Ford Crown Victoria Sedan

2000 Honda Accord Sedan

2000 Mazda MX-5 Miata Convertible

2002 Toyota Corolla Sedan

2002 Chevrolet Prizm Sedan

http://www.edmunds.com/

Price:  between $3000-$3500

Why it is recommended:  The Prizm is, for the most part, a Toyota Corolla re-branded with the Chevrolet logo. As such, many of the concerns and advantages associated with the Corolla also apply to the Prizm. The Prizm is considered to be somewhat less common to find, but was also less popular than the Corolla, helping to keep its price low.

Beyond The Car

Our list above is a great place to start for buyers looking for a good price on a reliable vehicle, but a smart consumer will always take the time to look beyond a vehicle’s make, model, and year to make sure they are getting the best deal possible. Whether shopping on a budget or picking up a long-time dream, keeping an eye on every aspect of any car you purchase can be vital to getting the best deal possible.

There is more to purchasing a pre-owned car than simply finding the right car at the right budget. Not all used cars are created equal, and the more time that has passed between a car’s release and when you purchase it the more opportunities other drivers have had to abuse or mistreat it. Often times simple wear and tear can lead to an otherwise well-kept car being problematic within months of being purchased at no fault to either the original owner or the person who took it of their hands.

For savvy buyers, there are a few features you can look for when purchasing a pre-owned car that can help to not only protect you against problems, but sometimes can even help to keep your insurance rates on the car as low as possible.

The first item that can help the most is also one of the most problematic: checking to see if the vehicle has been manufacturer re-certified. When a manufacturer recertifies a used vehicle, that means that they believe the vehicle to be up to their standards of quality in terms of part life and expected vehicle lifespan as a whole. Manufacturer recertified vehicles will often offer manufacturer’s warranties despite being pre-owned, a feature that many insurance companies appreciate and will take into account when considering your insurance premiums.

The problem with manufacturer recertification is twofold. First of all, though not a bad thing, manufacturer recertification is not a simple process of calling up the vehicle’s manufacturer and having them approve it. Manufacturer recertification takes time and some investment on the seller or retailer’s part, and as such will usually only be found on vehicles purchased from either certified retailers or high-capacity resellers. When dealing with either smaller lots or individuals looking to sell their personal vehicle, manufacturer recertification is virtually off the table.

The second problem with manufacturer recertification is vehicle age. Many manufacturers will only offer recertification on vehicles within the last four to six model years of production, meaning that older vehicles including all of those on our list are typically no longer able to receive manufacturer recertification regardless of quality.

All hope is not lost when it comes to used cars without recertification, though. Beyond manufacturer recertification there is also dealer certification or recertification, by which the dealer who sells the vehicle gives their own assurance to the vehicle’s quality and reliability. While dealer certification does not carry the same weight as manufacturer recertification when it comes to many considerations, it has the distinct advantage of being easier to obtain, and when it comes to consumer experience can often offer most, if not all, of the same advantages dealer recertification conveys.

Beyond recertification, the next major important feature a buyer should look into when purchasing a pre-owned vehicle is accident records. Checking a vehicle’s VIN against accident databases such as Carfax  can give a prospective buyer a great deal of information on the history of a vehicle, much of which will reflect on the vehicle’s reliability and safety. If a vehicle has been in a major accident, even if it has been rebuilt, overall reliability is likely to suffer, and in some cases an accident history can raise insurance rates on the vehicle even if the driver who owned the vehicle at the time of the accident is no longer in ownership.

3, 2, 1, Go

Just because you are shopping for a vehicle on a tight budget does not mean you have to sacrifice either safety or efficiency when doing so. The economy may be tight at the moment, but with a little time and effort, and foreknowledge on your side, even the most cash-strapped of car buyers can find a vehicle that fits their budget and  their needs. The vehicles we have included in our list are all great examples of reliable cars that can be purchased on a budget, but they are only a drop in the bucket when it comes to all the makes and models available on the market. Take the time to do your research on any vehicle you find, and look for those with strong safety records as a model and clean bills of health as individual units, and you can save yourself a lot of time and money at the dealer, at the pump, at the insurance company, and beyond.

Once you ve narrowed your search, call your insurance agent for a quote for particular makes and models to get exact insurance pricing.

Other Enhanced Insurance articles related to car care and purchasing:


Best Used Cars Under $5000 – Enhanced Insurance #auto #insurance #quotes


#cars under 5000
#

Best Used Cars Under $5000

For many Americans some form of automobile is more than just a luxury: it is a necessary part of their daily arsenal of accessories. According to the US Census Bureau. the average American has to face an almost half-hour commute one way to get to their place of work or back home every day, and will spend on average nearly 40 hours stuck in traffic per year. People in San Francisco spent a reported 83 hours sitting in traffic not moving in 2013. Combining that time with trips to the grocery store, recreation, and other obligations, and it becomes obvious that for most Americans their automobile is one of the most important items they own. This article will discuss some of the best used cars under $5000.

We are living in a time when the economy is in less than perfect condition. With around 15 percent of our nation living at or below the poverty line. many Americans simply cannot afford to spend a great deal of money on a brand new automobile. More than that, every automobile comes with a whole slew of associated long-term costs, like fuel, maintenance, and of course, insurance. These costs add significantly to the price of a vehicle, and unfortunately for many the trade-off is usually that better reliability and fuel mileage come with higher prices.

So, what can a budget-conscious (or economically constrained) individual in need of a new automobile do? The answer is, obviously, to delve into the used/pre-owned vehicle market. Yet, even when looking at pre-owned vehicles or, perhaps, even more so than when looking at new ones finding a balance between price and reliability is often frustrating. Vehicles that are easily obtainable for cheap are often times cheap for a reason, whether that be poor condition, poor performance, or just general low appeal to secondhand buyers.

Looking through the thousands of pre-owned cars on the market and trying to find one that both fits your budget in the short term and won t break the bank in the long run can be a huge hassle, but with a little forethought and planning, finding a reliable, fuel-efficient vehicle for cheap can be done.

Why Used Cars Under $5000?

For the purposes of looking at pre-owned vehicles, five thousand dollars is often considered a great place to start your budget. Five thousand dollars gives you enough ceiling to open up a lot of relatively recent pre-owned vehicles for consideration, which can be important when considering fuel economy and reliability.

While trucks and SUVs are often popular vehicles, the best reliability and fuel economy can often be found in the pre-owned car market. Not only are trucks and SUVs more often than not less fuel efficient than compact cars and sedans, but drivers have a tendency to put them through a lot more adventuresome driving than your average family car will see. This makes pre-owned cars the best place for a shopper to look when trying to find a solid investment in their transportation future.

Eight Cars Under $5000

While it is true that there are literally hundreds if not thousands of cars to choose from, even at the five grand price limit, not every car is made the same. You can visit dozens of sites looking for the best vehicles available in nearly any price range, and every site will give you a different list of recommendations. Despite this, there are a few standbys that nearly every list will include due to their universally accepted excellence for their price point.

In no particular order, here are eight of the most recommended used cars under five thousand dollars:

2005 Chevrolet Aveo Hatchback

2001 Honda Civic Coupe

2003 Volvo S40 Sedan

2000 Ford Crown Victoria Sedan

2000 Honda Accord Sedan

2000 Mazda MX-5 Miata Convertible

2002 Toyota Corolla Sedan

2002 Chevrolet Prizm Sedan

http://www.edmunds.com/

Price:  between $3000-$3500

Why it is recommended:  The Prizm is, for the most part, a Toyota Corolla re-branded with the Chevrolet logo. As such, many of the concerns and advantages associated with the Corolla also apply to the Prizm. The Prizm is considered to be somewhat less common to find, but was also less popular than the Corolla, helping to keep its price low.

Beyond The Car

Our list above is a great place to start for buyers looking for a good price on a reliable vehicle, but a smart consumer will always take the time to look beyond a vehicle’s make, model, and year to make sure they are getting the best deal possible. Whether shopping on a budget or picking up a long-time dream, keeping an eye on every aspect of any car you purchase can be vital to getting the best deal possible.

There is more to purchasing a pre-owned car than simply finding the right car at the right budget. Not all used cars are created equal, and the more time that has passed between a car’s release and when you purchase it the more opportunities other drivers have had to abuse or mistreat it. Often times simple wear and tear can lead to an otherwise well-kept car being problematic within months of being purchased at no fault to either the original owner or the person who took it of their hands.

For savvy buyers, there are a few features you can look for when purchasing a pre-owned car that can help to not only protect you against problems, but sometimes can even help to keep your insurance rates on the car as low as possible.

The first item that can help the most is also one of the most problematic: checking to see if the vehicle has been manufacturer re-certified. When a manufacturer recertifies a used vehicle, that means that they believe the vehicle to be up to their standards of quality in terms of part life and expected vehicle lifespan as a whole. Manufacturer recertified vehicles will often offer manufacturer’s warranties despite being pre-owned, a feature that many insurance companies appreciate and will take into account when considering your insurance premiums.

The problem with manufacturer recertification is twofold. First of all, though not a bad thing, manufacturer recertification is not a simple process of calling up the vehicle’s manufacturer and having them approve it. Manufacturer recertification takes time and some investment on the seller or retailer’s part, and as such will usually only be found on vehicles purchased from either certified retailers or high-capacity resellers. When dealing with either smaller lots or individuals looking to sell their personal vehicle, manufacturer recertification is virtually off the table.

The second problem with manufacturer recertification is vehicle age. Many manufacturers will only offer recertification on vehicles within the last four to six model years of production, meaning that older vehicles including all of those on our list are typically no longer able to receive manufacturer recertification regardless of quality.

All hope is not lost when it comes to used cars without recertification, though. Beyond manufacturer recertification there is also dealer certification or recertification, by which the dealer who sells the vehicle gives their own assurance to the vehicle’s quality and reliability. While dealer certification does not carry the same weight as manufacturer recertification when it comes to many considerations, it has the distinct advantage of being easier to obtain, and when it comes to consumer experience can often offer most, if not all, of the same advantages dealer recertification conveys.

Beyond recertification, the next major important feature a buyer should look into when purchasing a pre-owned vehicle is accident records. Checking a vehicle’s VIN against accident databases such as Carfax  can give a prospective buyer a great deal of information on the history of a vehicle, much of which will reflect on the vehicle’s reliability and safety. If a vehicle has been in a major accident, even if it has been rebuilt, overall reliability is likely to suffer, and in some cases an accident history can raise insurance rates on the vehicle even if the driver who owned the vehicle at the time of the accident is no longer in ownership.

3, 2, 1, Go

Just because you are shopping for a vehicle on a tight budget does not mean you have to sacrifice either safety or efficiency when doing so. The economy may be tight at the moment, but with a little time and effort, and foreknowledge on your side, even the most cash-strapped of car buyers can find a vehicle that fits their budget and  their needs. The vehicles we have included in our list are all great examples of reliable cars that can be purchased on a budget, but they are only a drop in the bucket when it comes to all the makes and models available on the market. Take the time to do your research on any vehicle you find, and look for those with strong safety records as a model and clean bills of health as individual units, and you can save yourself a lot of time and money at the dealer, at the pump, at the insurance company, and beyond.

Once you ve narrowed your search, call your insurance agent for a quote for particular makes and models to get exact insurance pricing.

Other Enhanced Insurance articles related to car care and purchasing:


Best Used Cars Under $5000 – Enhanced Insurance #peters #auto #mall


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Best Used Cars Under $5000

For many Americans some form of automobile is more than just a luxury: it is a necessary part of their daily arsenal of accessories. According to the US Census Bureau. the average American has to face an almost half-hour commute one way to get to their place of work or back home every day, and will spend on average nearly 40 hours stuck in traffic per year. People in San Francisco spent a reported 83 hours sitting in traffic not moving in 2013. Combining that time with trips to the grocery store, recreation, and other obligations, and it becomes obvious that for most Americans their automobile is one of the most important items they own. This article will discuss some of the best used cars under $5000.

We are living in a time when the economy is in less than perfect condition. With around 15 percent of our nation living at or below the poverty line. many Americans simply cannot afford to spend a great deal of money on a brand new automobile. More than that, every automobile comes with a whole slew of associated long-term costs, like fuel, maintenance, and of course, insurance. These costs add significantly to the price of a vehicle, and unfortunately for many the trade-off is usually that better reliability and fuel mileage come with higher prices.

So, what can a budget-conscious (or economically constrained) individual in need of a new automobile do? The answer is, obviously, to delve into the used/pre-owned vehicle market. Yet, even when looking at pre-owned vehicles or, perhaps, even more so than when looking at new ones finding a balance between price and reliability is often frustrating. Vehicles that are easily obtainable for cheap are often times cheap for a reason, whether that be poor condition, poor performance, or just general low appeal to secondhand buyers.

Looking through the thousands of pre-owned cars on the market and trying to find one that both fits your budget in the short term and won t break the bank in the long run can be a huge hassle, but with a little forethought and planning, finding a reliable, fuel-efficient vehicle for cheap can be done.

Why Used Cars Under $5000?

For the purposes of looking at pre-owned vehicles, five thousand dollars is often considered a great place to start your budget. Five thousand dollars gives you enough ceiling to open up a lot of relatively recent pre-owned vehicles for consideration, which can be important when considering fuel economy and reliability.

While trucks and SUVs are often popular vehicles, the best reliability and fuel economy can often be found in the pre-owned car market. Not only are trucks and SUVs more often than not less fuel efficient than compact cars and sedans, but drivers have a tendency to put them through a lot more adventuresome driving than your average family car will see. This makes pre-owned cars the best place for a shopper to look when trying to find a solid investment in their transportation future.

Eight Cars Under $5000

While it is true that there are literally hundreds if not thousands of cars to choose from, even at the five grand price limit, not every car is made the same. You can visit dozens of sites looking for the best vehicles available in nearly any price range, and every site will give you a different list of recommendations. Despite this, there are a few standbys that nearly every list will include due to their universally accepted excellence for their price point.

In no particular order, here are eight of the most recommended used cars under five thousand dollars:

2005 Chevrolet Aveo Hatchback

2001 Honda Civic Coupe

2003 Volvo S40 Sedan

2000 Ford Crown Victoria Sedan

2000 Honda Accord Sedan

2000 Mazda MX-5 Miata Convertible

2002 Toyota Corolla Sedan

2002 Chevrolet Prizm Sedan

http://www.edmunds.com/

Price:  between $3000-$3500

Why it is recommended:  The Prizm is, for the most part, a Toyota Corolla re-branded with the Chevrolet logo. As such, many of the concerns and advantages associated with the Corolla also apply to the Prizm. The Prizm is considered to be somewhat less common to find, but was also less popular than the Corolla, helping to keep its price low.

Beyond The Car

Our list above is a great place to start for buyers looking for a good price on a reliable vehicle, but a smart consumer will always take the time to look beyond a vehicle’s make, model, and year to make sure they are getting the best deal possible. Whether shopping on a budget or picking up a long-time dream, keeping an eye on every aspect of any car you purchase can be vital to getting the best deal possible.

There is more to purchasing a pre-owned car than simply finding the right car at the right budget. Not all used cars are created equal, and the more time that has passed between a car’s release and when you purchase it the more opportunities other drivers have had to abuse or mistreat it. Often times simple wear and tear can lead to an otherwise well-kept car being problematic within months of being purchased at no fault to either the original owner or the person who took it of their hands.

For savvy buyers, there are a few features you can look for when purchasing a pre-owned car that can help to not only protect you against problems, but sometimes can even help to keep your insurance rates on the car as low as possible.

The first item that can help the most is also one of the most problematic: checking to see if the vehicle has been manufacturer re-certified. When a manufacturer recertifies a used vehicle, that means that they believe the vehicle to be up to their standards of quality in terms of part life and expected vehicle lifespan as a whole. Manufacturer recertified vehicles will often offer manufacturer’s warranties despite being pre-owned, a feature that many insurance companies appreciate and will take into account when considering your insurance premiums.

The problem with manufacturer recertification is twofold. First of all, though not a bad thing, manufacturer recertification is not a simple process of calling up the vehicle’s manufacturer and having them approve it. Manufacturer recertification takes time and some investment on the seller or retailer’s part, and as such will usually only be found on vehicles purchased from either certified retailers or high-capacity resellers. When dealing with either smaller lots or individuals looking to sell their personal vehicle, manufacturer recertification is virtually off the table.

The second problem with manufacturer recertification is vehicle age. Many manufacturers will only offer recertification on vehicles within the last four to six model years of production, meaning that older vehicles including all of those on our list are typically no longer able to receive manufacturer recertification regardless of quality.

All hope is not lost when it comes to used cars without recertification, though. Beyond manufacturer recertification there is also dealer certification or recertification, by which the dealer who sells the vehicle gives their own assurance to the vehicle’s quality and reliability. While dealer certification does not carry the same weight as manufacturer recertification when it comes to many considerations, it has the distinct advantage of being easier to obtain, and when it comes to consumer experience can often offer most, if not all, of the same advantages dealer recertification conveys.

Beyond recertification, the next major important feature a buyer should look into when purchasing a pre-owned vehicle is accident records. Checking a vehicle’s VIN against accident databases such as Carfax  can give a prospective buyer a great deal of information on the history of a vehicle, much of which will reflect on the vehicle’s reliability and safety. If a vehicle has been in a major accident, even if it has been rebuilt, overall reliability is likely to suffer, and in some cases an accident history can raise insurance rates on the vehicle even if the driver who owned the vehicle at the time of the accident is no longer in ownership.

3, 2, 1, Go

Just because you are shopping for a vehicle on a tight budget does not mean you have to sacrifice either safety or efficiency when doing so. The economy may be tight at the moment, but with a little time and effort, and foreknowledge on your side, even the most cash-strapped of car buyers can find a vehicle that fits their budget and  their needs. The vehicles we have included in our list are all great examples of reliable cars that can be purchased on a budget, but they are only a drop in the bucket when it comes to all the makes and models available on the market. Take the time to do your research on any vehicle you find, and look for those with strong safety records as a model and clean bills of health as individual units, and you can save yourself a lot of time and money at the dealer, at the pump, at the insurance company, and beyond.

Once you ve narrowed your search, call your insurance agent for a quote for particular makes and models to get exact insurance pricing.

Other Enhanced Insurance articles related to car care and purchasing: