Is it time to sell your old car or truck? #used #auto #loan


#how to sell your car
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Is it time to sell your old car or truck? Here’s how to tell

By: Margarette Burnette, May 09th 2014

Each year you drive your old car is one more year you don’t have to worry about paying for a new one.

Yet, with every turn of the odometer, you’re one mile closer to big repair and maintenance bills.

At some point, it costs so much to keep your old ride on the road that you’d be better off investing all of the money you’re spending at the garage on a new car or truck. Our database of the best auto loan rates can help get you started.

There’s no magical mileage threshold that tells you when it’s time to ditch your car. In fact, many of today’s vehicles routinely exceed 100,000 miles without experiencing major mechanical problems.

But if you’re being hit with one repair bill after another, these 5 steps can help you decide if the time has come to ditch your old car or truck.

Step 1. Find out what your car is worth.

All smart decision-making starts with this.

To find out what your car is worth, research it on an auto valuation site, such as Edmunds.com or Kelley Blue Book (kbb.com).

You’ll be asked a few questions about the year, make and model of your car, the odometer reading and the condition it’s in, taking any repairs you’re planning to make into account.

Those websites will provide you with three potential values for your car.

The one you want to use is the trade-in value, which is the lowest of the three estimates.

This is the amount you can expect to receive from a dealer if you include your current car in a deal to buy another car there.

Let one of the best commuting cars of 2014 take the stress and worry out of those slogs to work, the supermarket and other daily destinations. They’re safe and economical but don’t scrimp on creature comforts, including automatic transmissions and air-conditioning. With prices starting at just over $19,000 and climbing to just under $31,000, we’re confident you’ll find the perfect ride.

Step 2. Determine how much it will cost to keep it on the road.

Ask your mechanic for a rundown of all the:

  • Big repairs that must be done right now to keep your vehicle running.
  • Additional repairs that can be postponed but need to be done over the next year.
  • Major maintenance that will come due during the next 12 months based on how many miles are on the car.

We’re not talking about oil changes.

We’re talking about the more costly work required as vehicles reach 60,000 to 100,000 miles — everything from changing the transmission fluid and coolant to replacing worn-out tires, brake pads and rotors, water pumps, suspension parts and timing belts.

Check your owner’s manual for the manufacturer’s recommended maintenance schedule. If you don’t have the manual, any reputable shop can check the schedule for your car and tell you exactly what you’ll need to do and how much those repairs will cost.

Postpone that work, and you’ll run a greater risk that your car will break down and stick you with an even bigger repair bill once you’ve been towed to the shop.

Take the timing belt, for example. It connects the crankshaft to the camshaft and controls the opening and closing of the valves in your engine.

Replacing a timing belt often costs $600 or more. But if you don’t do it, you can pretty much count on a worn-out timing belt breaking at some point, seriously damaging your engine.

Then it would cost $2,000 or more to get it running again.

Also, watch for two signs of big trouble:

  • Blue smoke out the tailpipe means you’re burning oil, which very likely indicates the oncoming need for an engine replacement. (A little white smoke until the engine warms up is OK.)
  • Slipping between gear changes means your automatic transmission is failing. (Slipping is where the engine revs up without any appreciable increase in speed.)

Add up all of the repairs and maintenance you’ll need to do over the next year, and compare it to the trade-in value of your car.

If you’ll have to spend more than the car is worth to keep it on the road for another year, then it makes financial sense to invest that money in a new ride.

Step 4. Recalculate your costs using past repair bills.

You aren’t finished if that comparison falls on the side of keeping your old car, especially if it’s not a decisive difference.

Mechanics can’t look at your car and predict everything that’s likely to break over the next year, so maybe you didn’t have a list of estimated future repairs in Step 2.

That doesn’t mean you’re not going to have any.

Reliability guides, such as the ones from Consumer Reports. provide entire lists of problems that consistently plague almost every make and model as it ages.

In fact, here’s a pretty tried-and-true rule of car ownership: The older your car gets, the more stuff breaks.

Average cost of car loans

Source: Interest.com weekly survey of major lenders from April 30, 2014.


Is This the Best Search Engine Ever for New & Used Cars? #auto #trading


#used car search engine
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Is This the Best Search Engine Ever for New & Used Cars?

Wise Bread Picks

The site is one I found quite by accident. I’m not in the market for a used car, I was actually looking for a quote from Bill Shakespeare’s The Tempest and stumbled upon this gem. Ahh, I love the Internet. The site is called AutoTempest.com. It’s only in Beta right now, but the results are awesome!

In the past, when I was searching for a used car, I would bring up the usual suspects cars.com, kbb.com, edmunds.com. With three windows or tabs open, I would flick between them all looking for the best price, the lowest miles, and the best financing option available.

That was time-consuming and a hassle. But I never thought any more about it until I started pushing the buttons of this new site. (It’s like Kayak.com but for new and used cars.) As regular Wise Bread readers know, I’m a huge fan of sites and gadgets that save you time and money. Put a check mark next to both of those categories for AutoTempest.com.

The interface is simple enough. Enter the make and model of the car you’re looking for, along with the location, year, price and mileage. Sure, those are the usual features, but AutoTempest goes a little further.

With the advanced search, you can add-in transmission, body style, seller type, and even choose to search collector or niche sites.

After your data is input, you hit search. And then you’re greeted with the results from around seven different auto-buying websites. One includes craigslist, and when you get to that page the results will be further chopped down into areas in your state. You know what they say, location is everything.

I’d like to point out, as always, that this is not a paid endorsement or even one that was requested. When I find services or products I genuinely like or enjoy, I think Wise Bread readers will as well. And that’s why I’m passing this on to you.

As the site is in Beta, it’s also a great chance to kick the tires (ouch, no pun intended) and let the maker’s of AutoTempest know what you think of the site. what is working, and what isn’t. Hopefully, it will help them create a more robust option for the official launch.

So there you have it. If you’re looking for a new motor, try it out. I hope it saves you a bunch of time and money on your next vehicle. I know I’ll be using it to find mine.


Free Automobile As Is Bill of Sale. #blair #auto #mall


#auto bill of sale form
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Free Automobile As Is Bill of Sale

This Automobile AS IS Bill of Sale is between a seller and buyer of a motor vehicle being sold “as is.” This Bill of Sale sets forth the specifics regarding the transaction including the amount paid for the vehicle and its make, model, VIN number and odometer reading. The Bill of Sale also certifies that the seller has not altered the odometer reading. This Automobile AS IS Bill of Sale explicitly states there are no implied warranties for the auto made by the seller to the buyer.

Motor Vehicle As Is Bill of Sale

BE IT KNOWN, that for payment in the sum of _____________________________________ Dollars ($___________), the full receipt and sufficiency of which is acknowledged, the undersigned _______________________ of _____________________________________________ (“Seller”) hereby sells and transfers to_____________________ of ________________________ _________________________ (“Buyer”), the following described motor vehicle (“Vehicle”):

Make: Model or series:

Year: Color:

VIN #: Style:

Odometer reading: Title #:

Seller warrants to Buyer that Seller is the legal and true owner of the Vehicle and that Seller has the right to sell the Vehicle.

The Vehicle is sold AS IS with no express or implied warranties or representations having been made by Seller to Buyer.

The Seller certifies that the odometer reading of the Vehicle is correct to their knowledge, and that the Seller has not modified the odometer, disconnected it, or rolled back the mileage during their ownership.

If the sale is not completed, the Seller will retain $__________________ of the down payment to cover costs and effort in re-advertising.

IN WITNESS WHEREOF, Seller has hereunto executed and delivered this Motor Vehicle As Is Bill of Sale this ___________________ day of ____________________________, 20________.

____________________________________


Auto and Homeowners Insurance: Is AARP Looking Out for You? CBS News #auto #invoice #prices


#auto and home insurance
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Auto and Homeowners Insurance: Is AARP Looking Out for You?

Last Updated Oct 9, 2009 1:34 PM EDT

The way insurance companies barrage you with television ads promising to save you money, you might think they were paying you instead of the other way around. In the case of the GEICO googly eyes or actor Dennis Haysbert hawking Allstate policies, at least it’s private companies pitching their wares. But then there are the auto insurance ads touting the $388 saved, on average, by people who switched to plans offered through AARP by The Hartford Financial Services Group. The ads also say that AARP members who own homes might save an additional $148 by switching their homeowners coverage. In this case, the trusted nonprofit is lending its name to a commercial venture. Pay less, get the AARP imprimatur. What’s not to like? Read on to find out.

As part of our continuing analysis of AARP s financial services products (earlier stories covered AARP mutual funds and AARP life insurance and annuities ), we wondered how well the huge organization was treating its 40 million members with the homeowners and auto policies it sells. So we examined the coverage and compared AARP/The Hartford prices with those of Allstate, State Farm, GEICO, and Progressive in three zip codes to answer the question, Should you put AARP on your policy shopping list?

Our answer: If you are shopping on price alone, no. You can save money in some cases a lot of money by taking your business elsewhere. But the policies do offer a few appealing features that you might find are more than worth the extra cost. And The Hartford has an impressive customer service record.

AARP has marketed The Hartford s homeowners and auto policies for 25 years and deserves credit for choosing a quality partner. The Hartford was among the top five insurers in J.D. Power and Associates 2008 homeowners and auto insurance customer service surveys. They have a reputation for working with their customers and trying to solve problems without litigating claims, compared to some of their competitors, says Amy Bach, executive director of United Policyholders. a San Francisco-based organization that advocates for consumers on home and auto insurance. The number of complaints filed against The Hartford, as tracked by the National Association of Insurance Commissioners, is below the industry average and has been declining for the past several years.

Middling Marks for Prices

AARP s homeowners and auto policies are often not the least expensive, however, which echoes what we found with its life insurance offerings. There is a cost to having some of the features in the program, acknowledges Richard Hisey, president of AARP Financial, the for-profit arm of AARP. We believe that if you re comparing apples-to-apples features, we will be cost-competitive.

For our price-shopping survey, we asked AARP/The Hartford, Allstate, State Farm, GEICO, and Progressive for quotes for a 53-year-old AARP member driving a 2008 Nissan Rogue and living in a $250,000 wood-frame house. And since the cost of the same insurance can vary by zip code, we requested quotes in Charlotte, N.C.; Scottsdale, Ariz.; and Schaumburg, Ill. We told the insurers to apply any standard auto discounts available based on his driving record and profile. Since AARP s auto rates were for 12 months and the others were for six months, we divided AARP s figures in half.

For auto insurance, AARP/The Hartford was the priciest insurer in Scottsdale and Schaumburg and in the middle of the pack in Charlotte. Progressive was the least expensive in Scottsdale, costing a whopping 42 percent less than AARP/The Hartford. GEICO was the cheapest in both Charlotte and Schaumburg, charging 28 percent less and 15 percent less, respectively, than AARP/The Hartford.

Auto Insurance Six-Month Premium


SHORT TRACK AUTO RACING. COM – WHAT IS WRONG WITH SHORT TRACK RACING AND HOW WE CAN FIX IT #auto #advance


#track auto
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SHORT TRACK AUTO RACING. COM

SHORT TRACK AUTO RACING. COM

It is time for the short track racing community to have a serious and thoughtful discussion about what we are doing and what we need to do to improve our racing. That is my goal. Please understand that I am a rookie at writing. I am going to say some things that some people won t like, but I am not trying to offend anyone. My purpose is to stimulate a discussion. The more ideas put forth,the better the odds that we, as a group, can identify what needs to be done. At present there are a number of conversations going on about this subject and that is a good start, however these discussions tend to be isolated in that fans talk about what fans want, racers talk about what racers want, etc. I think what is needed is fans, racers, and promoters all included in the same discussion. We are all in this together, we all want better racing, and we all know that the current situation is not working.

I am sure the first question you will have is why does this guy think he is qualified to say these things? Good question. Over the last 50 years I have been a driver, owner, owner/driver, crew member, and spectator. I have also been involved on the promotion side of racing. I have built racing engines, racing parts, and complete race cars and motorcycles. I have been in drag racing, off road racing, short track racing, and motocross. You can put whatever value you want on that.

Short track racing in Southern California is what I want to discuss. My comments are aimed at dirt track racing, but some of this discussion applies to asphalt tracks as well. Currently short track racing has a shortage of race cars and a shortage of fans. There is no shortage of opinions about what caused this. Let s see if we can sort through all these ideas and opinions and come up with the fixes we need.

I have set this up as 2 pages. The first page is what I believe are some of the problems causing a decline in short track racing. This isn t all the problems and I plan on adding to this list. The items are numbered. The second page is a list of possible fixes for the problems (also numbered). You can comment on the problems and/or fixes in general or if you want to comment on a specific item you can reference that items number. Please keep it clean and on topic. This is important for the future of short track racing.


Which car repair manual is better, Haynes or Chilton? automotive, books #auto #parts #catalog


#chilton auto repair manual
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questions which car repair manual is better, haynes or…

Which car repair manual is better, Haynes or Chilton?

Mar 16, 2012 7:36 PM

For those of you who like to do certain car repairs yourself, which manual do you prefer? What s the difference between the two series?

Top Answers

Not a farewell, just a forced redirect.

It’s true, Local.Woot is no longer, but please don’t despair.

Sorry

This is only for people who have bought woots

We restrict voting to users who have purchased something from one of the other Woot stores. It’s not just because we want your money (which we do) – it’s the best way to be sure all the votes are coming from real people and not spam-bots or phony accounts. The best way we can think of, anyway. For now.

You can always get voting rights by buying something from one of Woot’s other sites:

If you think you’ve bought something from Woot before and still can’t vote, make sure you’re logged in with the same account you used to buy from us.

Geez, why so negative?

You have to vote up more before you can vote down.

Don’t get us wrong. Negativity has its place. And downvotes are just as essential as upvotes when it comes to making Deals.Woot a useful place to find deals.


What Is Full Coverage? #auto #light #bulbs


#full coverage auto insurance
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What Is ‘Full Coverage’?

People often talk about having their cars “fully insured.” But for those who don’t really know the ins and outs of auto insurance terminology, exactly what does that mean and what type of coverages should they consider?

While there are many auto insurance options you can choose, there’s really no such thing as “full coverage” for your car.

The good news is that there are a lot of things you can do to make sure you have auto insurance that fits your needs and helps to protect you against a variety of perils that can cause losses. If you are conscientious and want to make sure you have all the types of coverage that are available, here is a list of several of the common auto coverages you may want to consider:

Liability Coverage

Liability coverage is typically included in all insurance policies, and it protects you from damage you cause to others or to property as a result of an accident for which you are at fault. Typically, the liability coverage in an auto insurance policy will contain three limits: the maximum payment for bodily injury per person, the maximum payable for bodily injury per accident and the maximum payable for property damage.

As you probably already know, if you’re buying insurance, all states require some level of liability coverage. Find out your state’s auto insurance requirements here.

Someone who is looking to obtain auto insurance coverage for their vehicle may want to go beyond the state requirements and buy a policy with higher liability limits. This may increase your premiums, but it will also give you greater coverage in the event of an accident.


Salvage World is the fastest growing online auction salvage cars dealer. #auto #carpet


#insurance auto auctions
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Welcome to SalvageWorld.net – The Worldwide Insurance Salvage Auction

Auto Salvage cars and Repairable Cars for Sale SALVAGE WORLD AUCTIONS is the Largest worldwide online Insurance Salvage Auction in the industry today. Our salvage cars are from Insurance Auto Auctions and Salvage Car Auctions, as well as Rental Car companies. Our Salvage Cars for Sale are offered to the General Public. Salvage Cars for Sale online has never been easier. Salvage Cars USA also offered in Canada.

Our company is unique, because we allow the general public all over the world to search and purchase salvage vehicles without the need of special salvage and/or dismantler licenses. The vehicles that we offer on our site are only offered to licensed automobile dealers and salvage buyers who need to be registered in each state, In fact many of these salvage dealers need specific licenses and bidding cards to purchase these vehicles. With us, there s no need for those licenses!

At Salvage World, we offer thousands of repairable vehicles located in every part of the United States. We also have a few locations in Canada and soon we will be offering vehicles from the United Kingdom and other parts of Europe.

There are over 160,000 vehicles offered weekly. These are rebuildable salvage and have clean titles from insurance companies nationwide. We are more than happy to assist you in finding the vehicles of your choice. We can give you access to browse through our inventories by clicking here .

If you are the highest bidder at the end of our auction, we will then submit your actual offer to the insurance company. A deposit of 10% of your highest offer is required to be submitted right away. SalvageWorld.net may also require a 33% deposit or a minimum of $3000 on each vehicle depending on the insurance company or auction house that the bid is being placed with. Please make sure you have read the terms and conditions before placing any bids. We will then inform you if your offer is accepted via your my offers section of your account.

SalvageWorld.net is NOT an auction site. It is a Proxy Bidding site. We offer more vehicles than any other competitor in the industry.

In our Global economy, there is a huge demand for salvaged vehicles that can be still be restored. Salvage World was created to share all of our years of experience and resources to our valued customers. Cut out the middleman, buy salvage cars directly from the source, and avoid the inflated and marked up prices!

Saving money by buying salvage or clean title Repairables is not a problem! We handpick quality vehicles so that you will not make the mistake of buying a car without knowing its full information. We offer a wide range of services, ask your customer care represenative for more information. Call us now at our toll free number 800-232-5038!


Which Vehicle History Report Is Right for You? #advance #auto #coupon


#auto vin check
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Which Vehicle History Report Is Right for You?

1 of 4

You’re shopping for a used car and you think you’ve hit pay dirt. The car is only five years old, with low miles and a great price. You’re about to make an offer when you have a troubling thought: Is the seller hiding any problems? Was the car ever in an accident? Who owned it before this seller?

Years ago buyers could only judge a used car by inspecting its mechanical condition and maybe leafing through the owner’s file of service records. But thanks to improved record collection combined with the power of the Internet, the vehicle identification number (VIN) can reveal if a used car has a checkered past. Experts describe the VIN as a car’s DNA.

Car buyers can purchase vehicle history reports from a number of different companies, some of which even concentrate on specialty markets such as trucks. The National Motor Vehicle Title Information System (NMVTIS) lists a number of the companies that provide its vehicle history reports, some of which cost only a few dollars.

NMVTIS provides title information drawn from participating state motor vehicle registries. At this point, 88 percent of U.S. DMV data is represented. Run by the federal Department of Justice, the system is the only one that’s publicly available in the U.S. to which all insurance carriers, auto recyclers, junk yards and salvage yards are required under federal law to report on a regular basis.

However, companies such as AutoCheck. which is owned by Experian, and Carfax. which pioneered the process in 1986 by faxing reports to customers, provide more detailed reports.

Most vehicle history report companies work in a similar way. A used-car shopper types a VIN into the company’s Web site and immediately receives a report on the vehicle’s history. Most companies sell either a single report for a set fee or, for a higher price, a subscription to run multiple reports for a limited time, which is usually a month.

A vehicle history report provides information drawn from an ever-expanding variety of databases. Most importantly, the report tells shoppers if a car has a “branded” title. Branding means an insurance company has declared the vehicle a total loss and given it a salvage title because of an accident, flood damage or other catastrophic event.

Typically, the information on a vehicle history report includes a summary and an overall evaluation of the vehicle supported with details, dates and locations. The report makes it easy to see if the car has been registered in numerous states. Other information can include a description of the vehicle, number of previous owners, accident information, verification of recent mileage (which could include an alert for odometer rollback) and lemon and recall checks.

Some vehicle history report companies provide additional features or information. For example, AutoCheck provides a vehicle “score” a number and a range like 85 out of a range of 60-90. This shows how the vehicle compares to other similar cars built that year. Carfax reports sometimes have information other vehicle history reports don’t list, such as service department records.

The mileage verification that a vehicle history report provides is especially important for buyers. Mechanics record the mileage each time there is a smog check, change of registration or other event in the vehicle’s history. If the mileage recordings are not sequential, meaning that they get higher each time, it could mean someone rolled back the odometer.

Although it’s illegal, a quick trip to a “spinner,” who is someone who turns back odometers, could be worthwhile for an unethical seller. Turning back an odometer 10,000 miles can increase the sale price of a typical car by at least $600. And contrary to popular belief, it’s easier to roll back a digital odometer than it is a mechanical one.

Test-Driving Vehicle History Reports

The editors at Edmunds.com have extensive experience using vehicle history reports. That’s because we steadily buy used cars for our long-term test fleet. Additionally, as a test, the editors run vehicle history reports on cars known to have salvage titles to see what comes up. In nearly all cases, vehicle history reports from AutoCheck and Carfax have caught those problems and flagged the pertinent information. (NMVTIS wasn’t fully up and running at the time of our tests.)

For example, we entered the VIN for a 1998 Corvette, which we knew had a lemon title. Sure enough, the vehicle history reports clearly flagged the problem by stating: “LEMON LAW VEHICLE. Repurchased by manufacturer.”

In another case, an Edmunds employee’s husband was about to buy a 1995 Acura. He test-drove the car and felt it was in good mechanical condition. However, a vehicle history report showed the car received a salvage title in 1996. When the seller was confronted with this information, he said, “Oh yeah, I thought I told you about that.”

In yet another case, a vehicle history report for a test car listed an “accident involving left side impact with another motor vehicle.” Apparently the accident was serious enough to report to authorities, but did not result in a salvage title. However, the report would show potential buyers that the car was in an accident. They could then check to see if the owner had properly repaired the damage.

As our informal tests showed, there are few major title or damage problems that slip through the vehicle history net.

“Occasionally, we do hear of a false positive on a vehicle history report, but it is rarely a problem,” says John Van Alst, an attorney with the National Consumer Law Center. a nonprofit organization specializing in consumer issues. A false positive is when the report came back clean when, in fact, there was an accident or the omission of other pertinent information. Some vehicle history report services will buy back a car or provide a guarantee in such cases.

However, there is a time lag between when an event such as an accident occurs and when it is reported, Van Alst says. While going to NMVTIS is an “excellent first step,” Van Alst still recommends car buyers take a vehicle to a mechanic and a body shop for inspection.

How To Use Vehicle History Reports

Vehicle history reports alert buyers to hidden problems with used cars for sale and can save them time when they’re shopping, too. Edmunds.com recommends that consumers buy a subscription for one of the services as soon as they start the shopping cycle. Always run the vehicle history report before calling the owner and especially before driving across town to see the car in person. In most cases, online car ads will include the vehicle’s VIN. Sometimes an advertised car will come with free access to its vehicle history report.

Also, keep in mind that dealers have subscriptions to the large vehicle history report services usually either AutoCheck or Carfax and will run a report for interested buyers. This becomes a valuable source of third-party information. If the dealer refuses to run a vehicle history report, or provides an outdated report, this could be a red flag.

Finally, keep in mind that a vehicle history report is only one step in the used-car buying process. A mechanical inspection is still a good idea. But running a report is a valuable first step that will save you time and money. And it could protect you from buying a car with a checkered past.


FAST Credit Union – Oh. Well. This is embarrassing. #auto #windshield #replacement


#auto loan calc
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Oopsy!

Yikes! We re truly sorry we did not live up to your (or our) expectations.

There is nothing fun or simple about dealing with our mess up – and, we want to make it right.

Along with saying we re sorry for our internet link snafu ; please, enjoy a video of our Kids Club Mascot, Dollar Dog, at the Bark For Life event. (We know this is much more enjoyable than clicking on links taking you nowhere).

Again, we re truly sorry. We are using this as a learning experience and putting practices into place for it not to happen again.

If you d like to connect with us another way to get the information you re looking for, we d love to hear from you.