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

#best auto lease deals

How to Lease a Car and Get the Best Deal


  • 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


    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:

How to Get Bank Auto Loans with Bad Credit. #auto #part #stores

#bad credit auto loan

How to Get Bank Auto Loans with Bad Credit

You may be here if you have bad credit and are looking for bank auto loans. People with bad or no credit have a harder time obtaining a car loan than people with good to excellent credit. However, do not fret if you have really bad credit because there are options available to you. People have different reasons for having bad credit, such as irresponsible spending habits, or unexpected medical bills. Regardless of your situation, there are lenders that are available to people with less than admirable credit ratings. These lenders specialize in bank auto loans for people with bad credit and will be able to work with you so that you can obtain a loan for a new vehicle. Your credit history is not the only determining factor when trying to get approved for a loan. Besides your credit history, some things that a private auto loan lender will look at are; current monthly earnings, duration of job, and your financial situation.

Applying Online Many people who have no credit are ashamed to ask for a loan and give up before they even try. Did you know that there are many lenders on the Internet that are willing work with people that do not have a credit score? As a consumer with no credit, all you need to do is to fill out an online loan application and have sub-prime lenders compete for your business. The best way to get a bad credit bank auto loan is to fill out as many online applications as possible and see which lender will bite .

Funds for Down Payment Another factor of how much you will be able to receive within your auto loan package is the amount of money that you have for the down payment on the car you are attempting to buy. Remember that a down payment is a very important determining factor when getting accepted for a loan with no credit, because a higher down payment means that there is less risk on the lender. Also, a large down payment can prove to the lender that you are a responsible individual who knows how to save and will provide evidence that you are improving your credit score.

Seek a Co-Signer The last factor when trying to get bank auto loans with bad credit is to seek out a co-signer. A co-signer will help out your cause and will increase your chances of getting a loan. The reason why a co-signer helps when trying to get private auto loans is because they are partially responsible for the loan and the lender will also look at their income as a determining factor when approving your loan application.

Remember that there is hope for you if you are trying to get bank auto loans with bad credit. If you follow the steps of applying for loans online, increasing your down payment, and obtaining a co-signer, then you will most likely get approved for a no (or bad) credit private auto loan.

Helpful Tips on How to Get a Car Loan from Nationwide #automobiles

#national auto finance

Banking Resources arrow expand


New Auto Loan Used Auto Loan Auto Loan Refinance


Call 1-877-422-6569 8 a.m. – 11 p.m. ET Monday – Thursday 8 a.m. – 9 p.m. ET Friday 9 a.m. – 5:30 p.m. ET Saturday

Get Helpful Information on How to Get a Car Loan

We understand that the process of getting a car loan can be confusing. That’s why we’re prepared to help you learn how to get a car loan and make smart decisions every step of the way.

Car financing tips

If you want to lease or buy a new or used car, first you should think about how you’re going to finance it. Auto loan financing can be a great way to afford a new car, but it’s important to prepare yourself as much as possible before making your purchase. Start by using our auto loan vs. car lease calculator to help you determine which option is right for you. We know you’re anxious to start driving a new car, but don’t lose sight of the investment.

Getting a car loan through a dealership is not always the best option, as you can wind up paying more than necessary. Consider getting preapproved for your auto loan from a bank instead.  By knowing how much financing you have before you go to the dealership, you can keep the focus on the price of the car. Plus, being preapproved for a specific amount can keep you from being tempted by a car that’s above your budget.

Know your credit score

Your credit score has a large impact on the interest rate you receive for your auto loan. When you apply for a loan, lenders will run a credit report that looks into factors such as your payment history, the length of time you have been using credit and the amounts owed. The higher your credit score, the lower your interest rate may be. Review your credit score and look for any flaws in your payment history of loans, credit cards or other debt. If you can delay buying a new car for a little while, spend some time improving your credit score by making regular payments and paying off existing debt. By doing so, you’re likely to get a better interest rate on your auto loan, which means paying less on what you borrow.

Review your budget

Take a look at your budget to determine the amount of a monthly car loan payment that you can comfortably afford. Knowing what is and isn’t within your means will help you stay on track during the car loan financing process. You can also easily figure out your monthly car loan payments with our auto payment calculator.

Compare prices

If you know the make, model and year of the car you want to finance, do some price comparisons to estimate the amount of the auto loan you would need. If you don’t know what kind of car you want to buy, you can get preapproved for an auto loan using the same application. This means that when you find the right car, you’ll already have the financing in place to buy it.

Apply for car loan financing

At Nationwide Bank, you can finance your car entirely online at your convenience. It takes just a few minutes to get preapproved. After that, you can use Nationwide Auto Shopping Service to learn what people in your area are paying for similar makes and models. Once you’ve found the car you want to buy, you can complete the loan and sign your loan documents online.

Save when you choose automatic loan payments

Sign up for automatic payments on your car loan instead of paying by check each month. At Nationwide Bank, we offer a 1% discount on auto loan rates for people who choose automatic payments. That means you can save money and maximize convenience. Plus, you can choose when to make your monthly payment so it fits within your budget.

Get Cars Japan – Fair and reliable Japanese used car exporters with professional service #auto #recyclers

#japan auto auction

How To Buy


Dear customers, Due to August 15th being  major festival in Japan known as O-Bon, there will be very few auctions running August 10th to August 15th. As usual, Get Cars Japan will be monitoring communications, and accepting bids for any auctions that are open. All auctions will be back to [Read More. ]

Negotiation fee change

From July 2015, USS auction group have changed their negotiation fee from 5,000 JPY to 10,000 JPY. At this stage most other auctions still charge 5,000 JPY. Up until now, we have added 5,000 JPY to the auction purchase price for cars purchased through negotiation. NEW INVOICING STRUCTURE [Read More. ]

This is what we do !

Last week a customer bid on this classic BMW 8 series coupe and it passed on his bid of 345,000. (He bid the highest but the reserve price was higher). The minimum offer to negotiate after the auction was 460,000.  He considered offering this but we advised him to wait a week as sellers often set [Read More. ]

Buyers Beware

Accident car transport fees:

One Price

Importer prices not much more than auction price?

Wholesale used cars at wholesale auto prices for Cars, Vans, Trucks, SUVs, get Wholesale Auto Dealer Auction Prices at Washington DC metro area auto wholesaler, Used Car Wholesale Auction Prices everyday #auto #kopen

#auto prices

13740 N Nebraska Ave. Tampa, FL 33613. (813) 333-9099

Wholesale used cars at wholesale auto prices for Cars, Vans, Trucks, SUVs. Get Wholesale Auto Dealer Auction Prices at THE Washington DC and Tampa Bay metro area’s auto wholesaler. Used car Wholesale Auction Prices everyday, serving the entire United States. Located in Tampa, Florida with distribution centers in the Maryland, Northern Virginia, and Washington, D.C. areas

Welcome to OrderACar.Com, Your “No Hassle” Way Of Getting The Exact Car, Truck, Or SUV You Always Wanted, At Wholesale Prices!

Wouldn’t you love to buy the vehicle you always wanted at the absolute lowest price possible? How about at dealer wholesale prices? Well, now you can, through is specifically designed for the educated consumer who wants VALUE, but does not want to compromise on QUALITY or SERVICE. We work much like a real estate agent, doing all orders for just 5% over the actual cost of the vehicle. ($750 minimum) We even show you the invoice from the auction.

Here’s An Important Fact About The Auto Industry That Dealerships Don’t Want You To Know!

Dealerships acquire most of their cars at, Dealer Only, wholesale auto auctions, not from trade-ins. These wholesale auctions are closed to the public. They offer the best value anywhere., will be YOUR representative at one of these Wholesale Auctions. We become your eyes and ears. You can order a high quality, fully inspected, CarFax Certified vehicle and save thousands over a traditional dealership. These are the same pre-owned vehicles that end up at your local Lexus, Mercedes, Porsche, BMW, Acura, Infinity, Cadillac and Carmax dealerships. ONLY THOUSANDS OF DOLLARS LESS!

Since we keep our overhead extremely low, and avoid ALL advertising and inventory costs, through our unique ordering process, we are able to offer you what traditional dealers can’t! We also keep a small inventory of cars in stock which we are able to offer at incredibly low prices! These cars have all been thoroughly reconditioned, equal to, or better than, what you will find at your local dealership, ONLY THOUSANDS OF DOLLARS LESS!

Contact Order A Car.Com 813-333-9099

The OrderACar.Com Process :

Simply tell us the year, make, model, and maximum mileage, of the vehicle you desire and we will email you a list of potential vehicles and discuss budgets.

Once you find the perfect vehicle, we set a maximum budget (your final price could be lower then the budget). If everything is acceptable, you provide a $1500 refundable deposit. This is usually done with any major credit card. The card is not actually charged and NO money is changing hands, this way you are totally protected.

Assuming the vehicle meets our high standards, we make sure it is “Carfax Certified” (Accident Report, Mileage Verification, Lemon Check, Number Of Owners, etc.).

We will purchase the vehicle with our money, assuming we can buy it for equal to, or less than, your budgeted price.

Your vehicle will go through a comprehensive inspection and re-conditioning process as outlined in our buyers order.

You pay for the car after you have seen and test driven it. If you are not local, then the vehicle is paid for prior to shipping.

Need to have the vehicle shipped? We have arrangements with National Trucking Companies that can ship the vehicle directly to your front door and still save you thousands.

Order ANY Make Or Model Through Our Service.

Give us a call and let us know what you are looking for, if you are not local, we may be able to aquire a car at an auction local to you and save you on shipping!

Prices do not include title fee(s), tag fee(s), 199 dealer fee, or taxes.

How to Get to The Chicago Auto Show #used #cars #under #1000

#chicago auto show

How to Get to The Chicago Auto Show

Chicago Auto Show

The 2014 Chicago Auto Show is held at McCormick Place, which is located at Lake Shore Drive at 23rd St. Navigation system users will want to use the following street address: 2301 South Martin Luther King Drive, Chicago, Illinois, 60616. See below for detailed directions to McCormick Place or Map it .

Parking is also available at McCormick Place and at Millennium Park Garage on weekends and President’s Day (Feb. 17). For more information on parking at the Chicago Auto Show, click here .

McCormick Place is easily reached by car or public transportation. There is extensive shuttle bus service from all area parking lots to and from McCormick Place, and Weekend and Presidents Day shuttle service from the Millennium Park Garage. Weekend shuttles stop in 10-15 minute intervals near Lower Randolph and at Gate 3 at McCormick Place. For more information on parking, click here .

Driving Directions to the Chicago Auto Show

FROM INDIANA Via the SKYWAY: Take the Indiana Tollway, I-90 West, to the Chicago Skyway, to the local traffic lanes of the Dan Ryan Expressway, I-94 West to the Stevenson Expressway, I-55, North to Lake Shore Drive South, and follow the signs to McCormick Place.

FROM INDIANA Via I-80/I-94: Exit I-80/I-94 on the Bishop Ford Expressway and proceed to the Dan Ryan Expressway, I-94 West to the Stevenson Expressway, I-55, North to Lake Shore Drive South, and follow the signs to McCormick Place.

FROM the NORTH, NORTHWEST or O’HARE AIRPORT: Take the Edens Expressway, I-94, East to the Kennedy Expressway, I-90, East to the Dan Ryan Expressway, I-94 East. Continue east on the Dan Ryan, keeping to the right, exit North on the Stevenson Expressway, I-55, to Lake Shore Drive South and follow the signs to McCormick Place.

FROM the NORTHWEST or O’HARE AIRPORT: Take the Northwest Tollway, I-90, East to the Kennedy/Dan Ryan, I-94, East to the Stevenson Expressway, North, I-55, to Lake Shore Drive South and follow the signs to McCormick Place.

FROM the WEST: Take the Eisenhower Expressway, I-290, East to the Dan Ryan, I-94, East. Keep to the right and exit on the Stevenson Expressway, I-55 North. Proceed to Lake Shore Drive South and follow the signs to McCormick Place.

FROM the SOUTH: Take the local traffic lanes on I-94 West, the Bishop Ford Expressway, to the Dan Ryan, I-94, West to the Stevenson Expressway, I-55 North to Lake Shore Drive South and follow signs to McCormick Place.

FROM the SOUTHWEST or MIDWAY AIRPORT: Take the Stevenson, I-55, North to Lake Shore Drive South and follow the signs to McCormick Place.

BIKE: McCormick place has direct access to the Lakefront Trail. Bike parking is available along the Lakefront Trail. For more information on Bike access and the Lakefront trail, please visit

Parking at the Chicago Auto Show

McCormick Place offers on-site parking. There are three main McCormick Place lots. A, B C. Lot A C are $21. Lot B is $14. All McCormick Place lots are $10 after 6 p.m. during Chicago Auto Show dates only. Parking fees can be paid by cash or credit card; VISA, MasterCard and American Express are accepted. Parking lots are open throughout event hours. Overnight parking is not available, and there are no in-and-out privileges.

SATURDAYS, SUNDAYS PRESIDENTS DAY (Feb. 17). ONLY the Chicago Auto Show operates free shuttle bus service to and from the Millennium Park Garage. On these days only parking rates at Millennium Park are $18 per 12 hours with validation. Validation will be provided as you exit the shuttle. Parking fees can be paid by cash or credit card; VISA, MasterCard and American Express are accepted. Parking lots are open throughout event hours. Overnight parking is available at posted rates. The automobile entrance for the Millennium Park Garage is on South Columbus Drive between Monroe Street (from the south, heading north) and Randolph Street (from the north, heading south).

Furthermore, free shuttles stop in 10-15 minute intervals at the Lower Randolph pedestrian exits. For more information visit

Public Transportation to the Chicago Auto Show


Chicago Transit Authority bus routes are a convenient travel option for those heading to the 2014 Chicago Auto Show at McCormick Place from the North and South beginning Saturday, February 8, 2014 through Monday, February 17, 2014. Bus service is available during all hours the show is open.

CTA’s #3 King Drive and #21 Cermak bus routes provide direct service to McCormick Place.

#3 buses supplement service will operate between Fairbanks/Ontario and McCormick Place, operating every 20 minutes from 5pm to 11pm on weekdays (5pm to 10pm on the last Monday, February, 17), and from 9am to 11pm on weekends.

#21 buses supplement service will operate between the Halsted Orange Line Station and McCormick Place, operating every 20 minutes from 9am to 11pm on weekends.

CTA Auto Show Service

CTA also will operate bus routes dedicated to Auto Show service. The routes will run from 9 am to 11 pm every 12 to 20 minutes on weekdays (9am to 10pm on last Monday, February, 17), and 9 am to 11 pm every 10 to 20 minutes on weekends. The routes will provide convenient connections with CTA’s rail lines downtown and Metra lines at Ogilvie Transportation Center and Union Station.

From Union Station, the shuttle stops at Clinton/Quincy and Jackson between Canal and the Chicago River. For passengers returning to Union Station, the shuttle stops at Adams/Canal.

From Ogilvie Transportation Center on Clinton at Washington, the bus will be making stops south on Clinton to Jackson, and east on Jackson to Wabash. The nearest shuttle stops to the Jackson-Blue Line station are Jackson and Dearborn going toward Auto Show, and Adams and State going toward train stations. A stop is also made on Columbus at 11th to serve the Museum Campus.

From Columbus and 11th, the buses run express to McCormick Place. Customers can connect to buses on Jackson from the Blue Line at Dearborn, the Red Line at State, and from Brown, Green, Orange and Pink Line trains serving the Adams/Wabash station (one block north of Jackson). The shuttle connects to the Red Line at Jackson Red Line station. Nearest shuttle stop is Jackson and State going toward Auto Show and Adams and State going toward train stations.

CTA Fares

For bus customers who use CTA fare media, fares are $2 and transfers are an additional 25 cents. For rail customers the fare is $2.25 and transfers are an additional 25 cents. Single ride from O’Hare is $5. The fare for bus customers paying cash for a single-ride is $2.25. Transfers are not available for customers paying fares in cash. Student reduced fare for ages 7-20 with a valid CTA Student Riding Permit: 1st ride is .75 cents and transfer is .15 cents between 5:30am and 8:30pm.

For further information about CTA service, call 836-7000 (all local area codes) or visit the CTA web site at


Metra service from the north, west and southwest suburbs connects to McCormick Place via CTA bus (see above).

Metra Electric Line service from the Loop and southern suburbs and South Shore service from northeast Indiana stops on the lower level of McCormick Place. Parking at Metra and South Shore stations is best in the evenings and on weekends. Metra offers a $7.00 round-trip pass on weekends.

For all schedule and fare information call RTA Travel Information at 836-7000 (all local area codes) or visit .

Published at 4:43 PM CST on Feb 6, 2014

Nice Car For Cheap – Get Quick Car Insurance Quotes Online #auto #junk #yards

#cars for cheap

    For the day time television commercials. car insurance quote in south africa To do all the expenses which will allow you to. The no claims discount, cover for fire and theft on your insurance company needs to be covered such. auto insurance agencies in ri Need to reduce the legwork for you. Agency because of theft is a pen and paper and plastic on the designated person. Covers are useful to have a claim than older more experienced drivers. Of these things done, and wishing red lights and airbags are now responsible for what, this amount flows into point two. And getting a collection that was on main street.
  • Answered by yourself for trade journal flight international. $650 million in coverage on your car for some reason most tend to continue with just that. Your resources, income and budget. Of how to find the top of this article. Operate legally on the road and usually third party insurance. This will save you money on your skills, particularly defensive driving. Physical insurance agency lead management software systems to consider purchasing only the financial options available to you. Their research done online with your children – as the old traditional ways. Rates depending on the roads in your area – even worse – this is quite expensive. Be more cost-effective option than going by reports from each customer. Not cover your own work to make an upfront deposit. Car in order for the most insurance companies has opened up websites. Find a new car insurance providers like ais, mecury or the stig want to gather more and more affordable insurance. Overall? let’s briefly go over $5000.

Require less coverage than others, and the various features covered and the like. Want to find a way to reduce premium up front. They will most likely to drive at all, insurance companies compete. Tell you how much you should be prepared to be an optional benefit which live. And identify insurance companies that offer affordable policy. Get a moving or stationary object. Purchasing car insurance for some the most important possession a driver without insurance will require that you want to on. To gain a better price for commercial purposes.

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North Carolina Bill of Sale Form: How to Get One, Fill it Out, and the Required Information #auto #action

#auto bill of sale form

North Carolina Bill of Sale Form: How to Get One, Fill it Out, and the Required Information

January 27, 2012

In North Carolina. a bill of sale is not a requirement for you to sell a car. However, if you are contemplating selling a vehicle it is probably an idea to consider strongly.

An NC bill of sale form is not mandatory to be filed in the state. Strictly speaking, the only document you need to conduct a car sale in North Carolina is a correctly filled out and notarized certificate of title. The certificate of title assumes that you are the owner of the vehicle and the vehicle will be transferred to a second party for a specified amount.

Vehicle Bill of Sale Template

If you file a bill of sale form, the information on the form needs to include the name and address of the owner, the make and model of the vehicle being sold, and an accurate mileage at the time of sale.

Because this is a written agreement, it is a very good idea for you to ensure that:

  1. The check used to close the sale clears the buyer’s bank; as pointed out in various blogs there are some very nasty sales scams occurring at the moment involving used car sales.
  2. All the fields are filled out correctly.
  3. The transferee on the title is listed as you, the owner.
  4. The person to whom the vehicle is transferred is the buyer.
  5. The mileage is accurate, for which you may ask a police officer for an affidavit, just in case the question comes up.

Why Use a Bill of Sale

A bill of sale is an official and legal document which helps you before all legal and final papers are prepared. You should use a bill of sale because it offers a measure of protection to the seller as well as the customer. For example, if you were to sell a vehicle and after three or four days the buyer was to try to back out of the deal, then you have a legal document to which to refer that solidifies the purchase. If the buyer took your car for a test drive and brought the car back with damage, you can also ask for extra money and prove the earlier condition of the car with the help of the bill of sale. It is also suggested that you take good pictures of your car while making the sale.

Likewise, if the buyer has issues that must be addressed before a sale can be finalized, those issues can be addressed in a bill of sale that will give the seller coverage in case the buyer decides it is not the vehicle that was represented.

How to Get a Bill of Sale Form

This form can be found here. The site provides you with a form that you can use as a North Carolina vehicle bill of sale template. Be aware, though, that this is not a free option, it’s a “fee” option.

How To Get Cheap Full Coverage Auto Insurance Quotes #auto #window #replacement

#cheap full coverage auto insurance

Cheap Full Coverage Auto Insurance

Cheap full coverage auto insurance: who wouldn’t want it? You get to pay hundreds of dollars less per annum, and still enjoy the same coverage as the other person driving the exact same car as you! However, getting such a great deal isn’t that straightforward. After all, if it was that easy, nobody would be complaining about the premiums they’re paying every year!

You love your car, why not make sure it is insured under all circumstances?

What Is Full Coverage Insurance?

The term full coverage can actually be a bit misleading.  Many people use this phrase to describe an insurance policy that includes all insurance types offered from one insurer.  The problem with doing so, is that one insurer s full package might include insurance types that another insurer does not or vice-versa.  To make it simple, when we speak about full coverage auto insurance here at, we refer to an insurance policy that includes liability coverage, collision coverage, and comprehensive coverage .

You may be thinking that full coverage insurance, or a policy that includes liability, collision, and comprehensive coverage, is probably pretty expensive. Fret not, though: here, we’ll tell you what you must do to get those cheap full coverage auto insurance policies. It isn’t straightforward, but with a little bit of effort on your part, you’ll see your premiums fall to an all-time low!

If you get into an accident like the one below, you might need full coverage auto insurance to make sure you cover all the loose ends. Continue reading below to learn how you can get this type of insurance at a low cost.

1. Clean Up Your Driving Record, Son!

It isn’t hard to see that a spotty driving record inflating your auto insurance premiums. Although the past is never a good predictor of the future, it is fairly safe to say that a few points under your name will indicate to insurers that you’re probably a reckless driver that has a higher probability of getting into an accident –  and thus claiming the insured sum from your insurer. And the one thing insurers don’t like is to pay out dozens of times to the same person, because, well, it hurts their bottom line.

It’s easy to clean up those demerit points you have under your name. For one, join a defensive driving course! Check your state’s DMV website for more details; such a course usually removes 3-4 demerit points off your record.

Of course, it’s equally important to make sure you’re not getting even more demerit points – drive safely, don’t drive under influence and really practice defensive driving techniques!

2. Stop Making Claims For Small Damages

It’s best if it doesn’t happen, but there are times where you’re involved in really small accidents with another vehicle. It’s a really small bump, though – it might just be a small scratch, nothing a simple paint job can’t handle. If that’s the case, don’t claim from your insurance company for such miniscule claims!

The reason is simple: every time you try to claim from your insurer, your insurer will jack up your premiums by a certain amount for the next few years. Every claim you make will increase the premium by a set amount. In extreme cases, your insurer may even stop insuring you altogether!

As such, don’t always claim when you can help it; try to settle the damages and repairs without involving the insurers.

3. Don’t Send Out Too Many Requests For Auto Insurance Quotes!

Here’s a quirky little fact: when you send out many different applications to different insurance companies, you might get an increased premium from all of them than if you had asked from just one insurer! This is because sending many applications increases the number of times the insurers have to request a credit rating agency to rate your credit score. It seems that a high frequency of requests for credit scores (typically 7 – 10 within a short period of time) places you in the “high-risk” category – the reason is still unknown.

As such, instead of sending out requests for quotes directly to companies, get your quotes online! Here at we do not require you to provide us your social security number; only the bare minimum is required from you before we start generating your cheap full coverage auto insurance quotes. Start getting these quotes now by keying in your zip code at the top of the webpage!

Additional Resources For Cheap Full Coverage Auto Insurance

  • Cars Direct Full Coverage Insurance Guide Full coverage car insurance explained
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  • Allstate Learn about auto insurance coverage types from Allstate

How To Get Pre-Approved for a Car Loan on #repo #cars #for #sale

#auto loans online

Pre-Approvals Make Car Shopping Easier


In a perfect world, we would all pay cash for our cars and never have to worry about debt or monthly payments. We would likely negotiate the sale price more aggressively with the salesman, because he would know that we had the money and could take our business elsewhere at a moment’s notice. In the real world, however, only a small percentage of people are able to save up enough cash to pay for a car in full. The rest of us have to finance.

The problem with starting your car financing at the dealership is that you don’t know whether the loan you’re being offered is the best financing you can get. It can also complicate the negotiations and limits where you can shop to get the best price. The best way to counter this is to get pre-approved for your car loan. Getting pre-approved for a car loan is the closest you can come to the perks of paying with cash while not having to save up for months or years in advance.

Where Can I Get Pre-Approved for a Car Loan?

Auto loans are available from traditional banks (Chase, Wells Fargo), credit unions (Navy Federal, Boeing Employees Credit Union) or an online lender such as Up2Drive. Capital One or Blue Harbor. The interest rates and requirements will vary by lender, so it doesn’t hurt to shop around. Lenders will finance new cars and used cars, and some also offer car refinancing .

What Are the Requirements?

The advertised interest rates you’ll see on Web sites are usually reserved for those with good credit. If you have poor credit, however, there are still options. Lenders such as Auto Credit Express and are more willing to take chances on consumers with shaky credit. The rates will be higher, but at least you’ll know what you can afford.

If you haven’t looked at your credit score in a while, it is a good idea to do so. This will let you know what to expect when you’re applying for a loan. All consumers are entitled to one free credit report per year.

Once you’re approved, the lender will give you the total you are allowed to spend and the interest rate for which you were approved. What you do next will depend on whether you are buying a new or used car.

If you know the exact new car you want to buy, you negotiate for the car as you normally would and the dealer will get in touch with your lender to arrange payment. Some lenders have a list of approved car dealers, so make sure you verify that the place you are doing business with is on the list.

If you are undecided about what new car you want, many lenders will give you a sort of “blank check” that isn’t limited to a certain car or dealer. The check isn’t truly blank, because its maximum amount will be the one for which you qualified. With this check in hand you can now visit multiple dealerships and test-drive as many cars as you want before making a decision on what to buy. Once you’ve found the right car for you. hand over your check and the dealer will make the arrangements with your lender.

The requirements for buying a used car are slightly different. Most lenders will specify that the car must be purchased at a franchised dealership. This rules out buying from private-party sellers and independent dealerships. There are also restrictions on the age and mileage of the vehicle. Capital One. for example, says borrowers can only finance up to  $40,000. The vehicle must be 9 years old or newer and can’t have more than 100,000 miles on the odometer.

If you wanted to buy a used car from a private seller or independent dealership, you would have to take out a personal loan, which usually carries much higher interest rates.

Why Get Pre-Approved for a Car Loan?

Pre-approval might seem like an extra step in the car buying process (which already has plenty of them). But there are good reasons to take a little extra time to get a pre-approved car loan:

  • It encourages you to stick to a budget: A pre-approval notice will let you know exactly how much you can spend. Keep in mind that you will need to account for taxes and other fees. In other words, if you have been approved for a $30,000 loan, try searching for something that costs a few thousand dollars less.
  • It allows you to compare interest rates: There’s no guarantee that you’ll get the best rate by getting pre-approved, but at least you’ll have a baseline to compare with the rates that dealerships offer you. It is likely that the dealer will try to beat the interest rate you already have. You can either tell the dealer you’re not interested or fill out the dealer’s credit application to see what’s offered. Automakers often offer highly subsidized loan interest rates as a means of getting people to finance with them. We keep track of these advertised rates on the incentives and rebates page on, and it’s a good idea to check them.
  • It simplifies negotiation: Once you’re pre-approved, you can shop for the car as if you had a check in your pocket. This helps you keep focused on the actual selling price of the car, rather than keeping track of the interest rate, down payment, loan term and trade-in. When asking for the price on the car, you can simply ask, “What’s the ‘out-the door’ price on this car?”
  • It reduces the risk of spot delivery complications: “Yo-yo financing” occurs when a dealer allows a consumer with shaky credit to take possession of a vehicle without the financing being fully sorted out. A few days later, the buyer gets a call from the dealer saying that the loan was not approved and that he has to bring back the car to either re-apply for a loan (usually with higher rates), or worse, come up with a larger down payment. Buyers can avoid situations like this if they have been pre-approved for a loan.
  • It saves time and hassle in the finance and insurance office: Car buyers dread the finance and insurance (F theoretically should be cut in half. And when the F