Term life insurance, new york life term insurance rates.

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Term life insurance: Protection for your big plans. (And for your littlest ones.)

Term life insurance is the simplest way to protect loved ones now—and lock in your lowest available rates for a set period of time. As long as you keep your policy active for a set “term” (like 10, 15, or 20 years), it can replace your lost income, tax-free, in the event of your death. Plus, you can add more coverage or upgrade to a permanent policy later.*

Yearly Convertible Term

If you’re on a tight budget or unsure what protection you need, starting with a term policy can make sense. Later on, you can renew or upgrade.

Level Premium Convertible Term

If consistency appeals, take comfort with a guaranteed rate that won’t go up until your term runs out (or you convert to whole life coverage).

Our wide range of riders, some at additional cost, offer extra benefits to help you meet your short- and long-term goals.

You look out for loved ones every day. Term life insurance helps protect their futures, too.

It goes without saying that you could never be replaced, but with life insurance, your loved ones wouldn’t be burdened with the financial pressure that would come with your loss. Here’s why: the proceeds of life insurance can be used to help preserve your beneficiaries’ standard of living and fulfill future goals, and generally come free from federal income tax.

HOW DOES TERM LIFE INSURANCE WORK?

Term life policies often start you at a lower premium for a set period of time. You choose the length of time you’d like to carry the policy, and at the end of the term, you typically have the option to easily renew or upgrade to a permanent policy.

In this way, purchasing term life when you’re young can lock in your access to affordable life insurance for the term period—even if your health status changes. You can convert your coverage to more rewarding permanent policies, like whole life insurance, possibly at a lower price than if you’d put off purchasing until you’re older.

Could a term policy be right for you?

Term can be the perfect solution for those balancing high expenses with a high need for protection, for example, when you’re starting a family. Ultimately, term life is a cost-conscious solution to get the most protection you can now, while still providing you with an opportunity to convert to a permanent policy later on.

Finally, term insurance is a great option for people who need:

  • Coverage for a well-defined period of time
  • Business protection (in the event you’d lose a key employee or business partner)
  • Extra coverage on top of other, permanent life insurance

READ MORE

Considering term? Consider this.

Buying life insurance is an important decision. Here are a few important factors to keep in mind as you determine what plan is right for you:

It’s About More than Burial Insurance

Learn the ways that life insurance can help you leave a lasting legacy, beyond immediate needs after your death.

It’s a Great Choice for Single Parents

With term life, protecting your children’s security can be more affordable than you think.

You Can Convert to Whole Life Later

You can upgrade all or some of a convertible term policy to a permanent whole life policy and start building cash value.

The Truth Behind the Cost of Life Insurance

Before you buy life insurance, get the facts on why cheaper isn’t always better.


Cheapest Car Insurance in New York, cheap car insurance in new york.

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Cheap car insurance in new york

Cheap car insurance in new york

Are you overpaying?

Comparison quotes are the cheapest way to save

Cheap car insurance in new york

*rates based on survey data – Spring 2017

Cheap Comparison Quotes Free and Customized

Cheapest Car Insurance in New York

From breathtaking Niagara Falls to jaw-dropping New York City, the Empire State rivals the best of the U.S. for its variety of natural and man-made attractions. New York is home to just over 8 million residents, and NYC ranks as the most densely populated city in the U.S. And even with all these New Yorkers, the state s pristine 176 state parks maintain the natural wonder of historic New England. It s no wonder drivers from every state have made New York their vacation spot year after year, and CheapCarInsurance.net is doing its job to make sure all these visitors and residents alike are protected while on the road. To help out, here s a list of helpful facts every driver should know when driving in New York.

LAWS REGULATIONS

New York seasons can change at the drop of a hat. Insurance laws and regulations aren t much different, and this list of helpful facts will make sure drivers can stay up-to-date with all the changes.

Minimum Requirements for Car Insurance in New York

  • The New York DMV states that every driver in New York must carry a minimum of liability coverage on their vehicle.
  • New York Liability Coverage minimums:
    • $25,000 for individual injury and $50,000 for individual death in a car accident.
    • $50,000 for multiple individuals injuries and $100,000 for multiple deaths in a car accident.
    • $10,000 for property damage.
  • New York requires a vehicle to be insured in order to register the vehicle in the state. Also, the name on the insurance and registration paperwork must match.

New Driver Licensing Requirements

To operate a vehicle in the state of New York, a driver must be 16 years of age or older and have a valid drivers license. If the driver is under 18, the driver must follow the restrictions listed on the New York DMV website. The following lists the requirements to obtain a NY drivers license.

  • Vision Test.Every driver must pass the vision test with a visual acuity of 20/40 or better. An applicant can have the test performed by any of the following professionals:
    • Physician
    • Physician s assistant
    • Ophthalmologist
    • Optician
    • Registered nurse
    • Nurse professional

    A Vision Test Report must be submitted by the professional or by the vision care provider listed in the DMV Online Vision Registry. If it is determined that the applicant requires corrective lenses, a license with a B restriction may be issued. Two other vision restrictions include:

    1. Telescopic Lenses: A Telescopic Lenses restriction can be placed on a drivers license after the applicant submits an Eye Test Report for Medical Review Unit form.
    2. Daylight Driving Restriction: This restriction can be placed on a driver s license if the vision professional determines their night vision is impaired.

    Each vision restriction can be removed by taking the necessary steps listed on the NY DMV website.

  • Written Test. Access the Driver s Manual and Study Guide to prepare for the written test. An applicant must complete either a Driver Education Course, a Pre-licensing Course or pass the written test prior to scheduling the road test.

    If the applicant is under age 18, 50 hours of supervised driving experience must be documented with a Certificate of Supervised Driving. Included within the 50 hours must be 10 hours in moderate to heavy traffic and 15 hours of night driving.

  • Road Test.The vehicle used in the road test must be safe, insured and registered, and it must be driven to and from the testing facility by a licensed driver. The road test evaluates the applicant s skills in each of the following areas:
    • Steering
    • Acceleration
    • Braking
    • Clutch/Gears
    • Speed
    • Communication
    • Observation
    • Traffic signs, signals and markings
    • Following distance
    • Stopping position
    • Lane selection and position
    • Anticipation and reaction
  • Pay a License Fee. Each applicant is required to pay licensing fees after completing the testing requirements. These fees range from $64.25 to $107.50 depending on the type of license and endorsements. A full list of fees can be found at DMV.NY.gov.
  • If under 18 years of age, the applicant must wait 6 months from the date the learner s permit was released to schedule a road test.

DUI/DWI Laws

  • BAC limit: .08 The New York DMV website has published a document providing all the necessary information regarding New York DUI/DWI laws. Following is a summary of New York s relevant DUI/DWI violations. While aggravated DUI (BAC of .18 or higher) holds more severe penalties and Driving While Ability Impaired (BAC .05 to .07) holds less severe penalties, DWI (BAC .08) is included here to provide an average example.
  • First Offense:
    • Misdemeanor
    • Minimum $500 and maximum $1,000 fine.
    • Maximum 1 year imprisonment.
    • Age 21 and older receives a minimum 6 month license revocation, and under 21 receives a minimum 1 year license revocation.
  • Second Offense within 10 Years:
    • Class E Felony
    • Minimum $1,000 and maximum $5,000 fine.
    • Maximum 4 years imprisonment.
    • Age 21 and older receives a minimum 1 year license revocation, and under 21 receives a 1 year revocation or until age 21, whichever is longer.
  • Third Offense within 10 Years:
    • Class D Felony
    • Minimum $2,000 and maximum $10,000 fine.
    • Maximum 7 year imprisonment.
    • Age 21 and older receives a minimum 1 year license revocation, and under 21 receives a 1 year revocation or until age 21, whichever is longer.

Texting Driving Laws

According to Distraction.gov, New York has issued a temporary ban on texting and handheld devices for all drivers.

Unique Laws

While the penalty for jumping off a building in New York is death, flirting only holds a $25 fine! But for drivers, if one ever gets a chance to drive an ice cream truck, remember that it is illegal to back up to make a sale!

STATS

Best Cheap Car Insurance Quotes for New York

Kings County Car Insurance

Only 71 square miles, Kings County is the second most densely populated in the state after New York, with 2.6 million inhabitants, or an average of 37,137 people per square mile.

Kings County, New York is coextensive with Brooklyn, one of New York City s five boroughs. Interestingly, nearly 40 percent of Brooklynites are foreign born. The Kings County-Brooklyn shoreline includes the historic and famous Coney Island amusement park. Among the most popular draws for visitors are Brooklyn Bridge and Park, Brooklyn Heights Promenade and Botanic Gardens.


New York Life – Apply Now – Life Insurance up to $50, 000, new york life insurance quote.

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For life’s simpler needs.

Life insurance online in minutes.

  • Affordable term life insurance $10,000 to $50,000
  • No medical exam or lab work. just health and other information
  • It’s easy to apply by mail or complete your application online

Start here with an

instant term life quote.

Thank you for your interest

We’re Sorry

An error has occurred, and we are unable to provide you with an online quote at this time.

To get a quote by phone, please call New York Life at 1-800-361-1741.

Monday – Friday 8 a.m. to 5 p.m. (ET), or Saturday 9 a.m. to 5 p.m. (ET).

Designed for shorter term needs, term life provides life insurance protection for a specific period of time.

Whole Life Insurance is

coverage you can keep for a

lifetime to help you protect

your long term needs.

Coverage that can last for life— up to $15,000 without answering any health questions or taking a medical exam.

New York Life offers a range of coverage amounts and solutions including:
  • Coverage over $50,000
  • Retirement planning
  • Mortgage protection
  • Long term care insurance

Monday – Friday 8 a.m. to 8 p.m. (ET) or Saturday 9 a.m. to 5 p.m. (ET)

or click here for more information.

Backed by the Strength of New York Life Insurance Company

New York Life Insurance Company has the highest possible ratings for financial strength currently awarded to any

“Superior”

“Exceptionally Strong”

“Very Strong”

from Standard Poor’s

“Exceptional”

Ratings as of 01/01/18

A.M. Best, Fitch and Moody’s Investors Service Highest Rating. Standard and Poor’s Second-Highest Rating.

Thank you for your request

You can apply right now.

Thank you for your request

You can apply right now.

Thank you for your interest

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Includes details on costs, eligibility, renewability, limitations and exclusions.

Life Insurance is underwritten by New York Life Insurance Company (NAIC #66915), New York, NY 10010. Specific products, features, and gifts not available in all states or countries. New York Life Insurance Company is licensed in all 50 states. (Policy forms ICC15-ITL2, ITL2, ITL2-CA, ITL2-CT, ITL2-FL, ITL2-ND, ITL2-NY, IWL1, ICC12-IWL1, IWL1-CA, IWL1-FL, IWL1-MT, IWL1-ND, IWL1-NY, IGAL1 ICC11-IGAL1, IGAL1-AR, IGAL1-CA, IGAL1-FL, IGAL1-ND, IGAL1-NY, IGAL1-SD). Purchasing additional term coverage in the future may be more expensive; consider the coverage amount you select carefully. Federal law requires us to obtain, verify and record information that allow us to identify you. When you apply, we will ask you for your name, address, date of birth, Social Security number and other information. Agent-sold life insurance products are also available which could have lower rates but require more health information, and in some cases a health exam, at the time of application. For more information call New York Life at 1-800-361-1741.

The licensed life insurance agent is Philip Cavan (Arkansas #300260, California #0F23862).

Maine Residents: A buyer’s guide and policy summary are available upon request.

2018 New York Life Insurance Company. All rights reserved.


New Jersey Car Insurance – Compare Best Car Insurance Companies, cheap auto insurance in new jersey.

#Cheap #auto #insurance #in #new #jersey


New Jersey Car Insurance

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New Jersey car owners have a choice between two types of NJ auto insurance policies: basic or standard. The basic option is the cheapest car insurance in New Jersey, but offers limited coverage. The standard policy costs more, but provides sufficient coverage.

The average car insurance rate in New Jersey is $1,346 a year. The severity and frequency of claims in your neighborhood, your driving record, the type of car you drive and other variables are used by insurance companies to figure out the cost of your policy. That s why the price for the same coverage can vary significantly among insurance companies and why you should compare rates. For example, drivers in Newark ZIP code 07199 can save $1,654 by shopping around. That s because the highest rate among six carriers is $2,734 for that neighborhood, compared to $1,080, the lowest. When shopping for car insurance, use our average car insurance rates tool to compare rates. Enter a ZIP code to see the average premium for your neighborhood. You will also see the highest and lowest rates for up to six major carriers surveyed to get an idea of what the most affordable car insurance price is in your area. For a more customized rate, choose from among six age groups and three coverage levels.

Cheap car insurance in New Jersey

New Jersey car insurance requirements for basic coverage

The basic policy, which is the cheapest car insurance in NJ, meets only the minimums needed to drive legally in the Garden State. Though you can drive with a basic policy, they are hard to find, as most insurance companies only issue standard policies. A basic policy consists of:

  • Property damage liability coverage of $5,000. Covers, up to your limits, damage you cause to other cars or property.
  • Personal injury protection (PIP) of $15,000 per person, per accident. Pays for medical expenses for you and your passengers and those you give permission to drive your car. It also covers you and your family members if you are injured while riding in someone else’s car or if struck by another vehicle while on foot. PIP is sometimes called no-fault insurance because it kicks in regardless of who is at fault.

The basic NJ car insurance policy covers your own injuries and a small amount of damage to other cars you hit, which makes it suitable only for those who have little savings or few other assets. There is an option to add $10,000 in bodily injury liability, but uninsured motorist coverage is not available. Your right to sue for pain and suffering is limited to severe or permanent injuries.

Standard NJ auto insurance

For most drivers, we recommended New Jersey’s standard policy, as explained below.

New Jersey standard car insurance requirements

Standard policies include:

  • Bodily injury liability of at least $15,000 per person, up to $30,000 per accident. This pays, up to your policy limits, for injuries that others receive in an accident caused by you or other drivers listed on your policy. If you have substantial savings, a home or a business, you should raise those limits even higher.
  • Property damage liability of at least $5,000. Covers damage to other s property and cars. This can be raised, and should be.
  • PIP of $15,000 per person or accident; this can be raised as high as $250,000.
  • Uninsured and underinsured bodily injury motorist coverage equal to your liability limits. Helps to cover costs for injuries when hit by uninsured drivers and those with little coverage.
  • Underinsured motorist property damage of at least $5,000. Covers damage to your car when in an accident with a driver with insufficient coverage.

Holders of a standard NJ auto insurance policy can choose between the limited right to sue and the unlimited right to sue. The unlimited option means you retain the right to sue for pain and suffering over any injury.

With both the basic and standard New Jersey car insurance policy, your medical bills and lost wages are paid up to your limits by your PIP coverage and then by any bodily injury liability claim or lawsuit brought against the at-fault driver.

Regardless of the limit you have chosen, PIP will pay up to $250,000 for certain severe injuries, such as damage to the spinal cord or brain.

It does cost more to buy more protection, but as you ll see in the chart below, it usually isn t cost prohibitive. Increasing your insurance from the state minimum to full coverage with a $500 deductible costs, on average, $669 more, or $56 a month.


NJCAIP, Commercial Auto Insurance, Medical Transport, Business Auto, Quotes, commercial auto insurance new jersey.

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NJCAIP| Commercial Auto Insurance Help | New Jersey Assigned Risk

NJCAIP is the state of New Jersey mechanism for obtaining Commercial Auto Insurance for Commercially Registered Vehicles that are not insurable immediately in the NJ Voluntary or Preferred Insurance Markets. Established January 1, 1984 under N.J.S.A. 17:29D-1 and implemented by N.J.A.C. 11:3-1.2, to provide coverage for a New Jersey commercial automobile risks unable to obtain coverage in the voluntary market.

NJCAIP NJ Commercial Auto Insurance. Getting New Jersey commercial auto insurance for contractors, public livery, medical transport operation or commercial trucking in New Jersey can sometimes be hard. Use NJCAIP Certified Producers when you have been declined or canceled elsewhere or have problems finding coverage. Business owner rate quotes available for New Jersey Assigned Risk.

These types of risks may be referred to as “High Risk Commercial Auto Insurance” or “Non Standard – Assigned Risk Commercial Vehicle Insurance Plan or New Jersey Assigned Risk”. This is where you go to find coverage when you can’t get insured elsewhere.

NJCAIP Certified Producers insure Commercially Registered Vehicles, private passenger types, contractors vehicles, tractor trailer trucks, straight trucks, box trucks, buses, bus fleets, public livery, medical transport vans, ambulances and others that are not insurable immediately in the NJ Commercial Vehicle Insurance Voluntary or NJ Preferred Insurance Markets.

NJCAIP New Jersey Assigned Risk Commercial Auto Insurance website helps business owners and consumers that need to insure trucks-vans-big rigs and fleets. Producers and insurance companies use plan office line.

All commercial motor vehicles registered or principally garaged in New Jersey are mandated by law to maintain liability insurance, N.J.S.A. 39:6B et seq. Commercial auto-truck-van-bus-public livery insurance coverage may be obtained on a voluntary market basis or through a licensed producer certified by the New Jersey Commercial Auto Insurance Plan (NJCAIP).

Only NJCAIP Certified Producer Agents may offer this Commercial Auto Insurance coverage and transact these types of policies. Use the quote request form for assistance.

Commercial auto insurance new jersey NJCAIP insures emergency medical and non emergency medical response fleets. Commercial auto insurance new jersey NJCAIP Commercial Auto Insurance coverage is available for Vans, Straight Trucks, Contractors, Towing, For Hire Semi s and For Hire Specialty.

What is Commercial Vehicle Insurance?

Commercial Auto Insurance or Business Auto Insurance insurance policies (BAP s) insures a businesses use of cars, trucks, vans, semis, buses and many other possible vehicles in the daily routine of business operations. Policy coverage usually include vehicles that may be owned or leased by the business, hired by the company, or possibly vehicles that may be owned by certain employees that are used for business purposes.

Licensed and State Certified NJCAIP Producers-Transportation Coverage Specialists will help you find the right commercial vehicle insurance at the best price that is available to you.

For some policies outside NJCAIP you may qualify for one or more of the following discounts.

› Stackable discounts › Paid In Full › Business Experience › Package › Faster, easier payments › Direct-to-consumer billing › Flexible installment plans › No-interest financing › Low initial payments › Online and phone payments › Check, credit, money order, EFT accepted on certain policies.

NJCAIP.ORG, NEW JERSEY COMMERCIAL AUTO INSURANCE HELP SITE IS THE FREE BUSINESS OWNERS AND CONSUMERS ONLINE RESOURCE FOR NJ COMMERCIAL AUTO INSURANCE AND BUSINESS OWNERS INSURANCE THAT HAVE NOT BEEN ABLE TO SECURE COVERAGE IN THE PREFERRED MARKETS.

Commercial auto insurance new jerseyGet expert help with New Jersey Assigned Risk Commercial Auto Insurance.

NJCAIP.Org offers State Certified NJ CAIP Producers available for consumer assistance. NJ CAIP.ORG IS THE ONLINE RESOURCE FOR NJ COMMERCIAL AUTO INSURANCE CONSUMERS THAT HAVE NOT BEEN ABLE TO SECURE COVERAGE IN THE PREFERRED MARKETS. THIS IS NOT AUTHORIZED BY,AFFILIATED WITH, NOR IN ANY WAY RELATED T0 AIPS0 ANY STATE INSURANCE AUTH0RITY,NOR ANY STATE APPROVED ASSIGNED RISK AUT0M0BILE INSURANCE PLAN. CERTAIN NJCAIP POLICIES MAY BE BOUND IMMEDIATELY AND PROCESSED SUBJECT TO NORMAL UNDERWRITING PROCEDURES AS SET FORTH BY THE NJCAIP PLAN MANUAL. POLICIES ARE ISSUED BY COMMERCIAL NJCAIP-LIMITED ASSIGNMENT DISTRIBUTION INSURANCE COMPANIES IN New Jersey (LADS). ONLY A NJCAIP INSURANCE CERTIFIED PRODUCER AGENT TRANSPORTATION COVERAGE SPECIALISTS MAY BIND THESE STATE MANDATED POLICIES AND COVERAGE FOR YOU.

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Commercial auto insurance new jersey


Why Cheap Car Insurance in NJ is Tough to Find, Car Insurance Quotes NJ, auto insurance quotes new jersey. #Auto #insurance #quotes #new #jersey


This Is Why Cheap Car Insurance in NJ is Tough to Find

Auto insurance quotes new jerseyThe National Association of Insurance Commissioners (NAIC) has published a new study regarding the cost of auto insurance by state in the U.S. The results of the study show that New Jersey drivers, on average, pay more for auto insurance than drivers in other states. So, why is cheap car insurance in NJ so tough to find? The story here isn’t just that New Jersey drivers pay more for auto insurance, but why they pay more. New Jersey, it seems, doesn’t do auto insurance the same as other states and for that reason, it’s hard to compare prices between New Jersey and other states.pay more for auto insurance, but why they pay more. New Jersey, it seems, doesn’t do auto insurance the same as other states and for that reason, it’s hard to compare prices between New Jersey and other states.

New Jersey Auto Insurance Is on the Rise

How expensive is “expensive”? New Jersey drivers pay an average of $1,301.52 per year for car insurance. That’s 43 percent more than the national average. The 2011 study moves New Jersey up from slot number three where they previously ranked below Washington D.C. and Louisiana. The average cost of auto insurance in New Jersey is up from a 2007 low of $1,227.63. The average U.S. driver paid $911.56 in 2011, which was a decrease from 2007 in which drivers paid roughly three dollars more.

Don’t let the date of the study fool you, insurance data lags by about two years, which is normal for the industry. The 2011 study is the most recent one available.

Why is New Jersey Auto Insurance so Expensive?

The NAIC came up with their $1,301.52 figure by factoring in what auto insurance companies charge in New Jersey, as well as what consumers are buying. The reason the number is so much higher is because consumers in the state, on average, are electing for higher coverage levels.

That means that you can get more affordable coverage in New Jersey, but the average consumer there feels it necessary to utilize higher coverage levels to protect themselves. This can be related to a number of factors, some of which are related to the fact that most of New Jersey is considered to be an urban area. Urban areas carry with them higher crime rates and higher numbers of auto accidents and subsequent insurance claims.

Another reason New Jersey auto insurance rates are higher than the national average is because the insurance agencies in that state allow for much higher Personal Injury Protection (PIP- a coverage that covers medical costs related to a vehicle accident) coverage limits, which in turn, drives up the cost of auto insurance. New Jersey allows for the second highest levels of PIP coverage in the U.S., second only to Michigan whose PIP limits can be as high as the buyer wants (provided they are willing to pay for the coverage). According to the study, New Jersey drivers carry on average the maximum levels of PIP coverage allowed within the state: $250,000.

How PIP and Insurance Fraud Affect Auto Insurance Rates

PIP as a concept is smart. It attempts to make sure that no one gets buried alive by hospital bills following an auto accident. To ensure the best possible coverage, New Jersey and auto insurers within that state agreed to raise the maximum limits of PIP coverage to $250k. That makes sense because prolonged need for hospital care and expensive tests, operations, etc. can really drive up medical costs. Both the state and the auto insurers were attempting to do their due diligence. Since no good deed goes unpunished, some people found ways to trick the system and capitalize on these very high deductible payouts. As more and more people defrauded insurers, the cost of insurance would rise in an effort to recapture the money the insurers were losing via fraudulent claims. Last year New Jersey enacted laws to counteract this and prevent further rate hikes. These laws didn’t stop fraud or lower rates, but they helped stabilize the car insurance industry in their state, ultimately saving drivers from further rate hikes at the hands of fraudsters.

The Biggest Factors in New Jersey Auto Insurance Costs

The data shows that the real issue behind New Jersey’s high insurance costs isn’t fraud (though it plays a part). The biggest issue is that New Jersey is almost entirely qualified as an urban area. Urban areas are treated differently from suburban and rural regions due to differences in crime, number of claims filed, and overall estimated risk. It’s more about how New Jersey just isn’t like the rest of the country.

Learn More About Auto Insurance

When it comes to auto insurance, there are a lot of variables, a lot of unfamiliar terms, and a whole lot of peculiarities particularly when you consider that each state has its own insurance market. Our Auto Insurance Explainers can help sort it out for you, and make more educated decisions about your car insurance. Find car insurance quotes for NJ drivers.


New York Car Insurance Quotes – Auto Insurance – NY, car insurance in new york state.

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New York Car Insurance

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The state of New York sets minimum levels of automobile insurance coverage that every driver must buy to comply with the law.

To be in compliance with the law, if you live in New York, you must buy the following levels of auto insurance:

  • Bodily injury liability insurance – $25,000 for bodily injury to one person; $50,000 for bodily injury to all persons.
  • Property damage liability insurance – $10,000 for property damage in any one accident.

In addition, mandatory “no-fault” coverage of $50,000 is required.

You can carry higher liability limits and additional personal injury protection and most motorists do.

Insurance rates will vary depending on where in the state you live. Generally, rates are higher in New York City.

The insurance coverage you buy must be obtained from a company that is licensed by the New York State Department of Financial Services. Out-of-state insurance is not acceptable.

Driver education reduces premiums

You may be able to reduce your auto insurance premiums by completing a state approved six-hour driver’s education course.

If you are the principal driver of a motor vehicle, you will receive a minimum 10 percent reduction in the base rate of your automobile and motorcycle liability and collision insurance premiums each year for three years after completing the course. You can take the course in the classroom or online.

Getting caught without insurance costly

If the DMV learns you were involved in an accident and do not have auto insurance, you could lose your driver license and vehicle registration for at least one year. You could also lose your license and registration for at least one year if someone else driving your uninsured vehicle is involved in a traffic accident and is found to be operating without insurance.

You might have to pay a court fine as much as $1,500 for driving without insurance or allowing someone else to drive your uninsured vehicle. You also might have to pay the DMV a civil penalty of $750 to get your license back.

Your insurance company will issue you an ID card proving you have insurance. You should always carry the insurance ID card in your vehicle.

When you insure your vehicle, your insurance company is required to file your coverage electronically with the Department of Motor Vehicles. Your insurance ID card alone does not prove you have coverage. New York state law requires both paper proof and electronic filing of coverage.

New York’s graduated driver’s license program

New York – like many other states – has adopted a graduated driver’s license program. You can apply for a learner’s permit when you turn 16 with a parent’s consent.

To get your junior driver’s license, you will need to hold your learner’s permit for at least six months. During that time, you must:

  • Get at least 50 hours of driving experience, including 15 hours of driving after sunset
  • Or complete a driver’s education course or a pre-licensing safe driving course

Once you are eligible and you pass the road test, you will be granted your junior’s license.

A junior license comes with restrictions depending on where you live in the state. For example, if you live upstate, you will be allowed to drive after 9 p.m. for school or work but not if you live in New York City.

When you’re 17 and if you have a certificate from a driver’s education course, you can upgrade to a standard license. Your license will automatically upgrade when you turn 18.

If you hold a junior license and are driving, you may have only one passenger in your car who is not a family member.

Also, no driver, no matter what age, is allowed to text or use a portable electronic device while driving in New York.

Keeping track of teen drivers

If you are parents or guardians of drivers younger than 18 years old, you can be automatically notified by mail should your child receive a traffic conviction, be involved in a reportable accident, or have his license suspended. You can enroll your child in the Teen Electronic Event Notification Service (TEENS) online.

New to New York

If you move to New York, you must apply for a New York State driver’s license within 30 days of becoming a New York state resident. You can exchange an out-of-state driver’s license as long as it has:

  • Your photograph
  • Has not been suspended or revoked
  • Has been valid for at least six months

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New York Car Insurance Quotes and Discounts – 21st Century Insurance, auto insurance in new york.

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Get a New York Car Insurance Quote from

21st Century Insurance

The Empire State of New York is more than the bright lights of the “Big Apple,” New York City. There’s the famous Coney Island in South Brooklyn, where you can take in a sideshow act while eating a Nathan’s hot dog or ride the rollercoasters of its new amusement park, Luna Park. And there’s also numerous art, science, and history museums located throughout the five boroughs to satisfy your cultural needs. New York is also home to the Adirondack Mountains and their 6-million acres of woodland, trails, and waterfalls along with the Catskills, with whitewater rafting and panoramic views. Wherever you live in New York you’re likely looking to save money and 21st Century Insurance may be able to help.

When you get a New York car insurance quote from 21st Century, you may find you’re eligible for one of many car insurance discounts that could save you money.

New York Car Insurance Quotes and Discounts from 21st Century

21st Century offers a variety of car insurance discounts that fit all types of age groups and lifestyles.

If you are a New Yorker that has more than one car you may be eligible for 21st’s multi-car discount. Just insure more than one car with 21st Century to qualify for the discount. And if you own your own home, you’re also eligible for a homeowner’s discount from 21st Century. Bill plan discounts are also available.

If you’re a senior New Yorker, you can also save with 21st Century car insurance discounts. Through our mature driver discount, drivers 55 years or older can save on their insurance coverage. In order to qualify, drivers must complete a state-recognized defensive driving course.

21st Century also offers the driver training discount for younger drivers. To qualify, drivers must be under the age of 21 and successfully complete a driver training course. All drivers who complete a state-approved defensive driving course are also eligible for a discount from 21st.

If you have a car equipped with additional safety measures, 21st Century will reward you with various discounts. If your car has any of these features, it may be eligible for a discount.

Automatic seat belts

An anti-theft system

An anti-lock braking system

Daytime running lights

If you’re looking for affordable auto insurance in New York, 21st may be the perfect insurance company for you. 21st offers the same great coverage for less in New York with discounts that may help you save money.

And don’t worry, if you’re already a 21st customer, you may already be saving money with one of these discounts. But if you think you’re missing out check your policy details at 21st.com or speak with a representative.

Get a New York auto insurance quote from 21st and see what car insurance discounts are available for you today.


New York Car Insurance – Compare Best Car Insurance Companies, cheapest car insurance new york.

#Cheapest #car #insurance #new #york


New York Car Insurance

Cheapest car insurance new york Cheapest car insurance new york Cheapest car insurance new york Cheapest car insurance new york

Many different types of car insurance are required to drive in New York. Here we explain minimum New York car insurance requirements, how to buy the best coverage for your needs and how NY insurance laws work. You can also find out what cheap car insurance in New York will cost compared to full coverage, what the average rates are for your area and how to get car insurance discounts.

When shopping for car insurance, use our average car insurance rates tool to compare rates. Enter a ZIP code to see the average premium for your neighborhood. You will also see the highest and lowest rates from the six major carriers surveyed to get an idea of what the most affordable price is in your area. For a more customized rate, choose from among six age groups and three coverage levels.

The average car insurance rate in New York is $1,759 a year. The severity and frequency of claims in your neighborhood, your driving record, the type of car you drive and other variables are used by insurance companies to figure out the cost of your policy. That s why the price for the same coverage can vary significantly among insurance companies and why you should compare rates. For example, you could pay $3,146 more for the same policy in Manhattan ZIP code 10120 if you don t shop around. Here s why: the highest rate among six carriers is $4,305, the lowest is $1,159.

Cheap car insurance in New York

New York car insurance requirements

If you opt to buy the cheapest car insurance policy possible, buy the least amount of coverage you need to drive, as explained below:

Drivers must have minimum liability coveragelimits of 25/50/10 under New York car insurance laws. This coverage pays for others injuries and damage to other drivers cars when you cause an accident.

Personal injury protection (PIP) is also required. It covers you, your passengers and other authorized drivers of your car who are injured while in your car. PIP also covers you and your family members if you are injured while riding in someone else’s car or if struck by another vehicle while on foot. PIP is sometimes called no-fault insurance because it kicks in regardless of who is at fault. You must have $50,000 in coverage.

Uninsured motorist bodily injury covers medical expenses for you and your passengers if injured when hit by a driver with no insurance. You must have 25/50 coverage. This means your insurer pays up to $25,000 per person and $50,000 in total if there are two or more people injured.

It does cost more to buy more protection, but as you ll see in the chart below, additional coverage is typically affordable. Increasing your insurance from the state minimum to full coverage with a $500 deductible costs, on average, $947 more, or $79 a month. For just $67 a year you can raise your liability limits.

$500 Comp/Collision deductible

*The table shows the average annual rate of nearly every ZIP code in Massachusetts from up to six major insurance companies. Rates are for a male driver, age 40, with a clean record and good credit for a 2016 Honda Accord. Data was provided for CarInsurance.com by Quadrant Information Services.

Recommended car insurance coverage

Drivers who buy the cheapest car insurance in New York may be taking a big gamble. If you get into an accident, your assets are at risk if you have basic car insurance. Even a minor incident can cost much more than what your minimal insurance will pay out. For instance, say you have New York s minimum of $25,000 in bodily injury coverage and $10,000 in property damage. Then you cause a crash that totals the other driver s car, valued at $25,000. It also results in $45,000 of medical expenses for his injuries. You re responsible for damages not covered by insurance. That means you have to pay $20,000 out-of-pocket for medical bills and $15,000 for the damaged car a total of $35,000.

Liability

We recommend you buy more insurance than is required to legally drive a car in your state, especially if you have savings and assets. The more money you have, the more likely you are to be sued following a car accident should your insurance be insufficient to cover all the expenses. If your net worth is:

  • less than $50,000, choose at least 50/100/50
  • between $50,000 and $100,000, choose at least 100/300/100
  • more than $100,000, choose at least 250/500/100

If you’re leasing or financing your car, you must get coverage of 100/300/100 or higher.

Collision and comprehensive

These are optional coverages and fairly affordable to add to a policy. Collision coverage pays for damage to your car after an accident that you cause. Comprehensive insurance pays to replace stolen cars and for damages from vandalism, flooding, hail, fire and animal strikes. New York drivers pay an average of $355 a year for collision and $156 for comprehensive.If your car is:

  • less than 10 years old, you should strongly consider buying collision and comprehensive.
  • more than 10 years old, only buy collision and comprehensive if your car is worth $3,000 or more, if you couldn t afford to replace your car if it s wrecked, or if you just want more protection on your policy.

Uninsured/underinsured motorist

These coverages are required in New York and should match the liability limits you choose. Uninsured motorist coverage and underinsured motorist coverage pays for damages if you re hit by a driver with no insurance or a driver with coverage that s insufficient to pay for your repairs and medical expenses.

Medical coverage (MedPay)

Medical payments coverage can help pay for the medical or funeral expenses of covered drivers and passengers after an accident, regardless of fault, up to $25,000. MedPay is optional in New York and not a must-have coverage, because your PIP protection takes care of the same expenses as MedPay. However, one benefit of MedPay is that there is no deductible and it can help defray health insurance costs. MedPay does the following:

  • Covers you and your passengers medical expenses
  • Pays for expenses after health insurance limits are exceeded
  • Offers additional protection to insured drivers who are hit by a car while walking or biking

If you and your passengers:

  • Don t have health insurance, or have a plan that doesn t cover car accidents or has low limits, we recommend that you add medical coverage of at least $5,000 to your car insurance policy.
  • Do have health insurance, it s still a good idea to have medical coverage if you want the best protection in your policy, as it can pay out after your health benefits are maxed out.

Gap insurance

If you don t own your car outright and have an accident, gap insurance pays the difference between the cash value of your car and the current outstanding balance on your loan or lease.

  • If you re financing your car, your car is less than one year old and you ve put less than 20 percent down on it, you should buy gap insurance. If not, you don t need gap insurance.
  • If you re leasing your car, it s a good idea to buy gap insurance if you aren t already required to in your lease agreement.
  • If you own your car outright, you don t need gap insurance.

New York car insurance rates by company

Below you’ll see average annual rates for New York, ranked cheapest to most expensive, for three coverage levels:

  • State minimum liability requirements
  • Liability limits of $50,000 per person/$100,000 per accident and $50,000 property damage
  • Liability of $100,000 per person/$300,000 per accident and $100,000 property damage, with comprehensive and collision at $500 deductible

NJCAIP, Commercial Auto Insurance, Medical Transport, Business Auto, Quotes, new jersey automobile insurance plan.

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NJCAIP| Commercial Auto Insurance Help | New Jersey Assigned Risk

NJCAIP is the state of New Jersey mechanism for obtaining Commercial Auto Insurance for Commercially Registered Vehicles that are not insurable immediately in the NJ Voluntary or Preferred Insurance Markets. Established January 1, 1984 under N.J.S.A. 17:29D-1 and implemented by N.J.A.C. 11:3-1.2, to provide coverage for a New Jersey commercial automobile risks unable to obtain coverage in the voluntary market.

NJCAIP NJ Commercial Auto Insurance. Getting New Jersey commercial auto insurance for contractors, public livery, medical transport operation or commercial trucking in New Jersey can sometimes be hard. Use NJCAIP Certified Producers when you have been declined or canceled elsewhere or have problems finding coverage. Business owner rate quotes available for New Jersey Assigned Risk.

These types of risks may be referred to as “High Risk Commercial Auto Insurance” or “Non Standard – Assigned Risk Commercial Vehicle Insurance Plan or New Jersey Assigned Risk”. This is where you go to find coverage when you can’t get insured elsewhere.

NJCAIP Certified Producers insure Commercially Registered Vehicles, private passenger types, contractors vehicles, tractor trailer trucks, straight trucks, box trucks, buses, bus fleets, public livery, medical transport vans, ambulances and others that are not insurable immediately in the NJ Commercial Vehicle Insurance Voluntary or NJ Preferred Insurance Markets.

NJCAIP New Jersey Assigned Risk Commercial Auto Insurance website helps business owners and consumers that need to insure trucks-vans-big rigs and fleets. Producers and insurance companies use plan office line.

All commercial motor vehicles registered or principally garaged in New Jersey are mandated by law to maintain liability insurance, N.J.S.A. 39:6B et seq. Commercial auto-truck-van-bus-public livery insurance coverage may be obtained on a voluntary market basis or through a licensed producer certified by the New Jersey Commercial Auto Insurance Plan (NJCAIP).

Only NJCAIP Certified Producer Agents may offer this Commercial Auto Insurance coverage and transact these types of policies. Use the quote request form for assistance.

New jersey automobile insurance plan NJCAIP insures emergency medical and non emergency medical response fleets. New jersey automobile insurance plan NJCAIP Commercial Auto Insurance coverage is available for Vans, Straight Trucks, Contractors, Towing, For Hire Semi s and For Hire Specialty.

What is Commercial Vehicle Insurance?

Commercial Auto Insurance or Business Auto Insurance insurance policies (BAP s) insures a businesses use of cars, trucks, vans, semis, buses and many other possible vehicles in the daily routine of business operations. Policy coverage usually include vehicles that may be owned or leased by the business, hired by the company, or possibly vehicles that may be owned by certain employees that are used for business purposes.

Licensed and State Certified NJCAIP Producers-Transportation Coverage Specialists will help you find the right commercial vehicle insurance at the best price that is available to you.

For some policies outside NJCAIP you may qualify for one or more of the following discounts.

› Stackable discounts › Paid In Full › Business Experience › Package › Faster, easier payments › Direct-to-consumer billing › Flexible installment plans › No-interest financing › Low initial payments › Online and phone payments › Check, credit, money order, EFT accepted on certain policies.

NJCAIP.ORG, NEW JERSEY COMMERCIAL AUTO INSURANCE HELP SITE IS THE FREE BUSINESS OWNERS AND CONSUMERS ONLINE RESOURCE FOR NJ COMMERCIAL AUTO INSURANCE AND BUSINESS OWNERS INSURANCE THAT HAVE NOT BEEN ABLE TO SECURE COVERAGE IN THE PREFERRED MARKETS.

New jersey automobile insurance planGet expert help with New Jersey Assigned Risk Commercial Auto Insurance.

NJCAIP.Org offers State Certified NJ CAIP Producers available for consumer assistance. NJ CAIP.ORG IS THE ONLINE RESOURCE FOR NJ COMMERCIAL AUTO INSURANCE CONSUMERS THAT HAVE NOT BEEN ABLE TO SECURE COVERAGE IN THE PREFERRED MARKETS. THIS IS NOT AUTHORIZED BY,AFFILIATED WITH, NOR IN ANY WAY RELATED T0 AIPS0 ANY STATE INSURANCE AUTH0RITY,NOR ANY STATE APPROVED ASSIGNED RISK AUT0M0BILE INSURANCE PLAN. CERTAIN NJCAIP POLICIES MAY BE BOUND IMMEDIATELY AND PROCESSED SUBJECT TO NORMAL UNDERWRITING PROCEDURES AS SET FORTH BY THE NJCAIP PLAN MANUAL. POLICIES ARE ISSUED BY COMMERCIAL NJCAIP-LIMITED ASSIGNMENT DISTRIBUTION INSURANCE COMPANIES IN New Jersey (LADS). ONLY A NJCAIP INSURANCE CERTIFIED PRODUCER AGENT TRANSPORTATION COVERAGE SPECIALISTS MAY BIND THESE STATE MANDATED POLICIES AND COVERAGE FOR YOU.

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Tricks of the trade: Insider tips for buying a new car – Covered mag, presented by, buying a new car.#Buying #a #new #car


Tricks of the trade: Insider tips for buying a new car

Buying a new car

  • 19 Feb, 2013
  • | by Chris Pollitt

With the latest registration mere weeks away, there’s a good chance plenty of you are looking forward to hitting the dealerships in the hope of filling your driveway or garage with a nice, shiny ‘13’ plate car.

With that in mind, we’ve compiled five insider tips to give you the confidence you need to not only walk into that showroom with your head held high, but to also help you save money.

1) Read the margins

Everyone knows that everything for sale has a profit margin within the retail price, and what you’ll be expecting next is for us to tell you that every new car carries huge margins meaning potential savings of thousands.

Well, sadly, we’re not, as new cars simply don’t have the margins you might think. So, be realistic when negotiating the price. If you demand £2,000 off, the salesman will have to say no – not because he’s playing hardball, but because he simply can’t do it.

Then there’ll be frustration, embarrassment and neither the dealership nor you will benefit.

Ask for £500 off, though, and you should be onto a winner – the dealer isn’t going to lose your business over that.

2) Factory fresh?

On delivery day, would you be able to spot the difference between a car that was built three months ago and a car that received its final nuts and bolts three weeks ago? No, we couldn’t either.

Yet people still deem ordering a ‘factory build’ as the best thing ever. If the dealer tells you he’s found a car in group stock that’s built, he’s trying to help you get your car faster.

Unless you absolutely have to have it painted in that shade of green the manufacturer put in the brochure for a bet, or if you simply must have the £600 optional sat-nav that’s made to look like an antique next to any modern £149 offering, consider giving it a miss.

Physical stock is your friend. It’s built, it’s waiting for you and it’s an asset to the manufacturer, and an asset they need to sell. Factories build cars no matter what – there’s no reason to offer you a discount when it’s still a steel sheet.

3) A question of time

If we could show you a monthly or quarterly projection for a dealer’s business, you’d probably make some sort of spluttery, panicked noise. Basically, they have to make a hell of a lot of money and brilliantly, they normally don’t worry about it until the last minute.

Walk into a dealership on the last weekend (or better yet, the last day) of the month and salesmen will fall over backwards to do you a deal. Walk in at the end of a quarter, though, and you’ll be treated like royalty. You will almost certainly be offered all manner of discounts, but please don’t snort in derision when the salesman tells you they only apply if the car is registered that month. He’s not lying.

That car you’ve fallen in love with becomes ‘just’ stock as soon as the calendar hits the 1st, and the salesman won’t be in the mood to do an amazing deal, as he’ll be getting a telling off from his sales manager because the dealership missed their target.

4) Mind the GAP. and the paint protection

It’s no secret the dealer is going to try and sell you extras with your shiny new car, the main two being GAP (Guaranteed Asset Protection) and some kind of paint protection.

The dealer is going to want you to take these things. You’ll be told how amazing they are and you’ll be told you simply must have them.

Well, GAP can be quite a good thing to have, but maybe not from the dealer, because it’ll be about £400 – far more expensive than it should be.

For those of you who don’t know, GAP is normally a three year policy which, at its core, will return you to the amount you paid for the car in the event of a total loss by making up the ‘GAP’ between the invoice price and whatever the current market value is at the time the car is written off. But you don’t need to pay £400 for it.

A quick internet search will turn up no shortage of reputable companies who can offer you GAP from £150 for three years of cover.

Speaking of searching on the internet, you can run a quick car insurance quote on the hop with your mobile device – if you have one that is – while you’re at the dealership, so you can know how much you should by paying for your annual cover. Handy, that.

As for paint protection, well, it’s normally around £300. But here’s a secret: washing and waxing your car keeps it clean, not a £300 bag of ‘miracle’ polish that cost the dealership £50.

5) The part exchange

It’s the simplest thing to overlook in the buying process because it is, after all, the car you’re getting rid of. But while it may be of no further interest to you, it can still hugely useful.

The dealer will offer you what feels like £4.99 for the car you’ve cherished for the last five years, so why not sell it yourself? You may be in a prime position, too, as all you need to do is get more than what the dealer offers.

Try getting the dealer to appraise your car and put a value on it – there’s no obligation to include your car within the deal – then, when you’ve scoffed at their offer, simply advertise it for around 15-20% more than the dealer’s figure and wait.

Your increase on the dealer’s offer may still undercut most other private sales and you’ll also have more money to put towards that shiny new car.

With these tips, you may be able to save a huge amount of money, but there is just one thing to remember, and that’s the fact that you’re in control all the way.

The dealer wants your business and they’ll do anything to get it, but that’s a good thing

Ignore the clichés and stereotypes – the dealer wants you to not only buy, but to buy when you next want a new car and to also recommend their services.

It’s a buyer’s paradise out there, and with these tips at hand, you’re all set to grab a bargain!

Where to buy a new car – Money Advice Service, buying a new car.#Buying #a #new #car


Where to buy a new car

When buying a new car, you can choose between using a car dealership or a car broker. Both have different advantages and drawbacks, so here are the facts you need to know before deciding.

Buying a new car from a dealer

Dealers are many people’s first choice when buying a new car, even though they don’t normally offer the kind of bargains possible through a car broker.

Here are the reasons for their popularity, along with a few drawbacks you need to consider.

Pros of buying from a dealer

Did you know?

A pre-registered or ‘nearly new’ car is a brand new car is heavily discounted because it has already had one owner – the dealer.

Dealers register new cars to themselves to get bonuses from manufacturers for hitting monthly sales targets, then sell the cars at reduced prices to shift stock.

  • Your consumer rights are stronger when you buy from a dealer.
  • Face-to-face customer service.
  • You can part-exchange your current car.
  • You can test drive and check the car.
  • Dealers can offer the widest choice of cars, and your exact specification.
  • If you have any problems with your new car, your dealer is likely to be local and so available to talk to in person.

Cons of buying from a dealer

  • You’ll have to negotiate to get the best deal.
  • You might not get the best part-exchange deal – you’ll get more selling your car privately.
  • If you buy a pre-registered car, you are unlikely to get “new car replacement” cover from your car insurer in case your car is written off in the first year you own it.

Buying a new car from a broker

Top tip

If you buy a pre-registered car, make sure this hasn’t affected the manufacturer’s warranty in any way.

Car brokers claim they can offer savings of up to £5,000 off a car’s list price.

This is because of the discounts manufacturers give them for selling a target volume of cars and because there’s no salesman’s commission involved.

Most are online, though some have premises as well. Brokers tend to offer cars they’ve pre-registered after delivery by the manufacturer, or to source new cars from dealers.

Pros of buying from a broker

  • Savings of thousands of pounds are available.
  • Most will have the model and options you require.
  • Your new car will be delivered to your door.
  • No haggling because you’re unlikely to be able to negotiate and will usually have to pay the advertised price.

Cons of buying from a broker

  • Most brokers operate online, so you can’t just pop round to talk to them if you have problems with your new car.
  • You probably won’t be able to part-exchange when selling your old car opens in new window .
  • Some brokers might not be able to offer as wide a choice of cars as a dealership, or the full list of optional extras.
  • If you buy a pre-registered car you’re in effect its second owner, which can affect the car’s value when you come to sell it.
  • Brokers can’t offer the face-to-face service a dealer provides.
  • You can’t test drive the car, so would need to go to a main dealer to do this.

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  • New Cars, Used Cars, Car Reviews and Pricing, Edmunds, new auto parts.#New #auto #parts


    Let s Find Your Perfect Car

    Expert Reviews. Thousands in Savings.

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    Edmunds: Your one-stop car shop

    For some people, car shopping can be overwhelming. You have to go to this site to find savings and incentives, then that site for buying and leasing guides, and even another site for a payment calculator. But Edmunds is your trusted advisor – we have everything you need to find your perfect new or used car in one place. No matter where you are in the car shopping process, we can help. Need detailed side-by-side comparisons of car features and specs? Detailed expert and user reviews of the latest makes and models? Informed buying and leasing guides? Connections to thousands of dealers in your area with available new and used cars? We ve got it all. And after you find your perfect car, we can help you lock in upfront pricing and get exclusive extras. So no matter where you are, we can provide you with a simple, easy and efficient car shopping experience.

    Save up to thousands and gain peace of mind

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    The perfect place to find your perfect car

    At Edmunds, we want to provide you with an exciting, enjoyable car shopping process. But we know that no two people shop for a new or used car in the same way. That s why we provide support and guidance throughout every stage of the car shopping process, giving you expert advice and unbiased reviews that you can trust. We want you to shop and buy with confidence, whether you re reading expert and driver reviews, comparing features and specs, or figuring out a lease with our payment calculator. Not sure where to get started? Get car shopping advice and tips from one of our dedicated experts – they re available to provide live support and answer your questions via phone, email and text. Now let s find your perfect car.

    Dacia Sandero hatchback, Carbuyer, cheap new cars.#Cheap #new #cars


    Dacia Sandero hatchback

    Cheap new cars

    “The Dacia Sandero is incredibly good value, with low running costs and great practicality – but don’t expect lavish materials or polished fit and finish”

    • Incredible value for money
    • Cheap to run
    • Big boot
    • Very dull design
    • Interior feels cheap
    • Not much fun to drive

    “The Dacia Sandero is incredibly good value, with low running costs and great practicality – but don’t expect lavish materials or polished fit and finish”

    At a glance

    “The Dacia Sandero is incredibly good value, with low running costs and great practicality – but don’t expect lavish materials or polished fit and finish”

    Cheap new cars

    Some manufacturers pitch their cars in terms of quality or driving pleasure, but from the moment it launched in the UK in 2013, Dacia offered customers one thing above all: super-low prices, which to some buyers meant a new car for the price of a used one.

    It was the UK’s cheapest new car then and four years later, the Dacia Sandero still is. It’s a more impressive achievement for the fact that it’s actually quite a big car; supermini-size rather than a small city car. Even so, its super-low starting price means some versions actually undercut city cars such as the Kia Picanto, Vauxhall Viva, Toyota Aygo and Peugeot 108.

    Of course, those are modern cars boasting excellent equipment, safety and fuel economy. The Sandero, on the other hand, is quite low-tech. In addition, many of its parts come from older models either currently or previously produced by Renault, Dacia’s parent company. In fact, the Sandero is based on the old Renault Clio.

    On the plus side, all this component sharing means the Sandero is well proven. Not only that, but it’s actually well built. It lacks the usual indications of good quality we expect, such as a luxurious interior and smart materials, but in all other respects it’s a quality car. In addition, its 0.9-litre turbocharged petrol engine is bang up-to-date.

    Cheap new cars

    It may not be the prettiest car on the road, but the Sandero is distinctive (in a good way) while versions higher up the range have nice exterior touches that give the model a lift. All versions have attractive LED daytime running lights front and rear, too. Only the basic Access version really communicates the Sandero’s budget status with its grey bumpers and limited colour choice.

    This impression continues inside, where style very much plays second fiddle to simplicity and sturdiness. This is especially true of the Access, where the uninitiated may spend a few head-scratching moments looking for the radio and electric window controls – a fruitless quest, as these are only fitted to Ambiance and above. The same goes for central locking and air-conditioning. However, the sparse standard kit of the Access begins to make sense when you realise it undercuts even the cheapest Kia Picanto city car by £3,500

    In truth, few customers plump for the Access, as the Ambiance has all that’s missing from the cheaper model, is rather more attractive thanks to body-coloured bumpers, has a wider range of engines and still offers striking value for money. And, for not a lot more, you can choose the range-topping Laureate, with its seven-inch touchscreen infotainment system, sat nav, cruise control and parking sensors – a Ford Fiesta Titanium-rivalling package for the cost of an entry-level Ford Ka+.

    The choice of engines is limited, but all have been well proven in Renault models. Although the 1.0-litre SCe petrol is a rather simple design, the turbocharged 0.9-litre TCe uses modern technology to improve economy and reduce emissions. The latter also has more power at 90bhp, a useful increase over the smaller engine’s 73bhp. It’s more expensive to buy, though, and many will find the less powerful engine perfectly acceptable for short journeys or urban trips.

    The 1.0-litre SCe 75 and 0.9-litre TCe 90 engine return 54.3 and 57.6mpg respectively, but ultimate fuel economy belongs to the 1.5-litre dCi 90 diesel. A version of this engine has been used in many Renault and Nissan cars and it’s a strong performer with a long-legged quality that makes motorway journeys a pleasure. It’s notably more expensive than the petrols, though.

    Cheap new cars

    Whichever engine you go for, you’ll find the Sandero pleasant to drive, rather than inspiring. It’s comfortable – the suspension is soft and urban potholes are dispatched as easily as motorway bumps. It’s somewhat prone to body lean in corners, though, and doesn’t spur you on to drive enthusiastically.

    Its role is more to provide fuss-free, good-value family transport than entertainment, but in this respect its four-star Euro NCAP safety rating risks putting buyers off. However, while a longer list of safety equipment gives many rival cars a higher five-star rating, the Sandero’s crash performance was actually very good in testing. Adult occupant protection was rated as 79%, with child protection scoring 80%.

    Sandero ownership can be a mixed bag, it seems. Our 2017 Driver Power owner satisfaction survey ranked it 68th out of 75 cars tested, with reliability rated well below average. A big plus, though, was its excellent rating for fuel consumption and running costs.

    Overall, if ever there was a car where ‘you get what you pay for’, this is it. We can’t help but feel, though, that its appeal is greater than the sum of its distinctly ordinary parts.

    The Top 10 Cheapest New Cars Sold in the U, cheap new cars.#Cheap #new #cars


    The Cheapest New Cars of 2017

    Each year, I enjoy researching and publishing a ranking of the cheapest new cars sold in the United States. This post ranks the top 10 cheapest new cars of 2017.

    If you re in the market to buy, I d also recommend pricing out the same models for the prior model year for a comparison. With dealers wanting to get rid of last year’s inventory and shift focus to the 2017 models, there is the potential to find a great deal on previous model years (and in most cases, they are the exact same car).

    I have made efforts to limit my vehicle use, but am still somewhat dependent on a vehicle and I know many others here are too. As a vehicle consumer, I think it is interesting to see what’s trending in the automotive market and what cost and fuel-efficiencies have been gained. There is value in knowing what to look for now (in limited circumstances) or down the road.

    That said, it’s worth noting that this list of the cheapest new cars is not an endorsement for everyone to go out and buy a new car. When it comes to optimizing your finances, vehicle ownership has a few rules that should be applied:

    1. Try your best to live without a car. If you can, opt for public transportation, biking, walking, and carpooling.
    2. If you have a 2-car household, try to downsize from 2 cars to 1. I shifted from 2 cars to 1 seven years ago and it has saved a ton of money.
    3. Drive your car into the ground by properly maintaining it, until the cost of maintenance absolutely outweighs the benefit of holding on to it. New cars these days should easily be able to go 15+ years.
    4. If you do need a car, research and negotiate to get a great deal. I don’t believe in the “always buy used” motto. With proper incentives, new cars may actually be a cheaper option, particularly with the used car market being over-priced. Do your homework to find the most economical option for you.

    When looking for the cheapest new cars, there is a whole lot more to finding the the most affordable car than just looking at sticker price. For your convenience, I’ve included:

    • the base auto transmission model. Some of these vehicles don’t have a manual transmission option. And if they do, they can be hard to find and sell. If you can find and drive a manual, it could save you roughly $800 – $1,200.
    • MSRP (you should not pay this much if you use an effective new car negotiation strategy)
    • factory invoice price

    Also, price out vehicles at TrueCar.com and KBB.com to see not only what the MSRP and factory invoices are, but what actual buyers are paying in your market.

    I’ve also included other variables that impact total cost:

    • city and highway MPG fuel efficiency
    • average annual fuel cost (from the EPA’s fueleconomy.gov at $2.16 per gallon of regular unleaded, 15,000 miles driven (45% city, 55% highway)
    • length of basic and powertrain warranties

    Finally, I highly recommend pricing out insurance premiums at a number of automotive insurers prior to choosing which car to purchase.

    The Cheapest New Cars of 2017

    We re entering a period of disappointing new market entrants in the economical compact and subcompact segments, with gas prices are as low as they are.

    Zero new subcompact or compact cars hit the market, out of 51 new or redesigned 2017 model vehicles. The upside is that 2 redesigns in the compact/subcompact segment did make this list the Mitsubishi Mirage and the Chevy Sonic.

    Unfortunately, I think what you’re seeing is a movement away from small, compact vehicles with gasoline prices dropping to $2 $2.25 per gallon, with no sustained increase in price in sight. Manufacturers are moving away from small, fuel-efficient vehicles because of their low profit margins and consumer purchasing behavior. I’ll be exploring this further in my upcoming ranking of the most fuel-efficient cars of 2017.

    The big change from 2016 to 2017 is the addition of the Fiat Pop 500 at the #6 spot after Fiat chopped $2,000 off its previous model year MSRP. This pushed the Honda Fit off the top 10 list.

    For my money, the Nissan Versa, Chevy Spark, and Mitsubishi Mirage (#1 – #3 on this list) are all winners at their price points. They offer the most value with their sizes, top in class fuel efficiency, and lowest prices.

    Here are the top 10 cheapest new cars of 2017, in order. Which would you pick, if you were in the market for a new car?

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    BMW has lifted the lid on its all-new M3 CS – a more aggressive and more powerful variant of the standard M3 saloon. On-board is a 3.0-litre twin-turbocharged six-cylinder engine producing 454bhp, a jump of 10bhp over the standard car. From standstill to 60mph takes just 3.7 seconds – half.

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    Buying and selling your vehicle is now even easier through Motors.co.uk. You can quickly and easily set up your own My Garage account to advertise your vehicle for sale at no cost, and use our free car valuation service, ‘Whats Mine Worth?’, to find out how much my car is worth. This gives you an instant, no-obligation offer which can also act as a guide to selling for free through Motors.co.uk.

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    Guide to buying a new car

    Buying a new car

    Whether you buy through a dealer, broker, or supermarket, this guide contains our best tips on how and where to buy a new car

    In a world where pigs fly and the Great British summer consists of three glorious months of sunshine, a new car buyer would waltz into a dealer with a pile of cash, throw it onto the salesman’s desk, and get a great deal on his/her dream car with no doubts or complications to speak of.

    However, in reality car buyers will probably not experience such a simple, glorious passage to car ownership. Chiefly because, most people don’t have the cash to buy a car outright, and because there are such a large number of places to buy a car these days, where to start can seem the hardest part. Which is why Auto Express is here with this guide to help you buy your next car as easily as possible.

    With manufacturers launching new models all the time, the new car market has gotten quite crowded with SUVs, crossovers, hatchbacks, saloons, PHEVs, etc, etc. Equally so, the range of different options when it comes to where and how you buy a new car has expanded hugely. Your traditional franchised dealer networks are still strong, but so too are new car supermarkets, which offer a vast range of new models at a single convenient location. A On top of this, there is the option of new car brokers, which aim to source the best deal for you by acting as an intermediate between you and a seller.

    With these three sales options available to new car buyers, you really need to know the pros and cons of each. As a prospective buyer, you’ll need to consider what you want from the buying experience. Of course, the best price possible is an obvious priority, but do you need help choosing the right car for you? And what kind of finance are you willing to sign up to? Is the after-sales experience important? And are you happy to sacrifice some benefits in order to get a better deal?

    The different options have their own positive and negative points, so we’ve put together this straightforward guide to help you choose the best way for you to buy a new car. Click the links below or on the left to jump to the buying option that most appeals to you.

    If you’re after more car buying advice check out our guide to finding the best car finance deal .

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    Tell us about your car buying tips and experiences in the comments section below.

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    Buying a new car

    In the market for a new motor

    Buying a new car gives you the latest advances in safety and security, comfort, performance and fuel efficiency. Plus you can have the engine and trim specifications you want.

    You’ll also get a manufacturer warranty, won’t have to face an MOT test for 3 years, and there may be special offers on servicing.

    But there are pitfalls to be avoided. Hidden extras can bring nasty surprises, and there’s the initial depreciation.

    So before you reach for the cash, make sure you’re prepared for the showdown at the showroom. Here’s the hit list.

    Work out your budget

    The basic cost of driving
    • Depreciation Aim to keep the car for at least 3 years to spread the loss in value.
    • Car insurance The premium could go up, so shop around for a new deal.
    • Car loan If you need one, arrange it before visiting the dealer, you’ll almost certainly get a better deal than their car finance.
    • Car tax Your new car will be taxed on its CO2 emissions in the first year, and then a standard rate from the second year depending on the engine type. If your new car has a list price of over 40,000, there’s an extra charge of 310 a year in the first 5 standard rate years.
    Are extras in the basic price?
    • Delivery and number plates.
    • Special features you want.
    Part exchanging your car
    • Haggling Beware, many dealers will have allowed for bargaining in their price.
    • Your car’s value It’s based on age, condition and mileage. You can check its valuation online.
    • The ‘cost to change’ If you negotiate a good discount on a new car, you’re unlikely to get a generous trade-in for your old car.
    • Selling privately You should get more than the part exchange, but it can be time consuming and stressful.
    • Be wary of advertised minimum trade-in offers They look attractive, but may be available only if you take the dealer’s car finance.

    Read the small print

    Spend some time going over the warranty conditions before you sign. For example, you may need to fork out for routine checks to ensure the long-term anti-corrosion warranty remains valid.

    Car manufacturers can’t insist that you get the car serviced by a franchise dealer during the warranty period. But you must still get it serviced according to their recommended schedule, using only manufacturer approved parts. And you’ll have to keep records so you can demonstrate to the manufacturer that servicing was undertaken to their requirements.

    It’s worth bearing in mind that if anything goes wrong shortly after the warranty expires, a manufacturer is more likely to show goodwill towards any claim if the car has been serviced by one of their dealers.

    And don’t be pressured into buying walk away if you’re not completely happy.

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    What Car? find trusted dealers across the country who commit to great discounts on cars and accessories so you can search for the right car at the right price without ever leaving home

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    All our dealers commit to the deals they offer so that once you find the right one you won’t have to negotiate.

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    The brilliant Audi A4 blends comfort, refinement and performance, and will appeal to those who want a relaxed and peaceful driving experience.

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    Skoda

    The Skoda Superb is comfortable, well equipped, great value for money and one of the roomiest cars in its class.

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    The BMW 5 Series is a classy and wonderfully refined luxury saloon, with surprisingly low running costs. It’s so good we voted it our 2017 Car of the Year.

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    Images and colours shown are for illustrative purposes only and may show optional equipment.

    Whilst every effort is made to ensure the offer details are accurate and up to date, Vauxhall reserves the right to change offers at any time. All offers are available at participating Retailers only.

    †† We Buy Any Car Too terms and conditions

    Offer on part-exchange for new passenger car order registrations by 31 December. Available on part-exchange for new Passenger cars only, all commercial or used vehicles will be excluded. On top of other offers excluding Partners and Associates discounts, B2B. The vehicle must be subject to an appraisal at a Vauxhall Participating Dealership. The part-exchange price offer will be £1,000 greater than WeBuyAnyCar.Com’s valuation based on an appraisal of the true condition of the vehicle by a Vauxhall Participating Dealership. No cash equivalent to the part-exchange value is available. The offer will be valid for seven days from the date of WBAC appraisal providing the vehicle remains in materially the same condition as set out in the appraisal. No other valuations shall be accepted by Vauxhall. Vauxhall can withdraw the offer at any time. Participating retailers only. The appraisal is the true report of the condition and prior use history of the vehicle.

    # Fuel consumption information is official government environmental data, tested in accordance with the relevant EU directive. Official EU-regulated test data are provided for comparison purposes and actual performance will depend on driving style, road conditions and other non-technical factors. Correct at time of going to press.

    10 Best Car Buying Tips For 2017, buying a new car.#Buying #a #new #car


    10 best car buying tips for 2017

    Buying a new car

    Thinking about buying a car in 2017? Make sure you set aside some time to plan for this major purchase. After a home, a car is typically the second most expensive purchase anyone makes — and settling on a new vehicle is not a decision to make merely over a weekend.

    Follow these 10 car-buying tips to make sure you get a car you can afford and will be happy driving for years to come.

    RATE SEARCH: Find a great rate on an auto loan.

    1. Determine your budget

    While you may have your heart set on a specific car, you won’t be able to take it home unless you can afford it. A good rule of thumb is to spend no more than 25 percent of your monthly household income for all the cars in your household. And this figure should include not only monthly car loan payments but all other vehicle costs, including fuel and car insurance. If you’re not sure how a new car would fit into your monthly expenses, use Bankrate’s home budget calculator to help you determine your monthly bills and necessary savings.

    2. Decide: New, certified pre-owned or used? Buy or lease?

    Thanks to a large number of lease returns, a wide array of used cars that are about three years old is currently on the market, making buying a used or certified pre-owned (CPO) car more attractive than in recent years. In addition, there are more inexpensive new cars available than ever before, making your choices positively dizzying, regardless of your budget.

    You’ll be able to get the most car for your money if you buy used, though you’ll pay a higher interest rate, have a shorter warranty period and won’t know the car’s full history. If you lease, you might get a more upscale car for your dollars, but then you won’t own the car outright and will need to be careful about the lease terms to avoid hefty penalties. A new car for the same amount of money would have fewer features, but you’ll also have a full warranty and pay a lower interest rate, and often you’ll get free maintenance and roadside assistance.

    For many, a certified pre-owned car is the ideal compromise, since these vehicles are cheaper than new cars, but they usually have some warranty left and must meet certain criteria to help ensure their reliability and condition.

    3. Narrow your choices to a few cars

    Start by researching the cars that have caught your eye to see if they fit your budget. Visit automaker websites and independent automotive information sites to assess the features that are important to you, and note MSRPs (manufacturer’s suggested retail prices) and invoice prices. Check local inventory listings to see what is available in your area. Choose cars that would cost at least 5 percent less than your monthly budget to give yourself some room to cover operating costs, including gasoline, insurance, repairs and maintenance. Print out or electronically save web pages that have pertinent details. Don’t, however, rush off to the dealership for a test drive just yet.

    RATE SEARCH: Not quite sure if you’re ready to replace your current car? Refinance your existing auto loan today.

    4. Assess your ownership costs

    Using your short list of cars, determine if each would fit into your budget by estimating ownership costs. An auto research website such as Edmunds.com or Kelley Blue Book’s kbb.com would provide a general overview of ownership costs for your area, but these numbers will vary depending on your personal situation. For better accuracy, do your own calculation for fuel based on the number of miles you drive annually, and obtain an auto insurance quote on the cars you are considering that would apply to the drivers in your household. Make sure you give the insurance agent the exact model, including trim level, engine and sometimes certain options, to get an accurate quote.

    5. Secure financing — before you visit the dealer

    Dealers don’t just want to sell you a car, but they want to coordinate the car loan, too. That’s because they typically receive a flat fee or a commission on the auto loans they facilitate, regardless of whether the loan is from the manufacturer or a local lender. So, secure financing from a bank or credit union in advance and compare it with what the dealer offers. Find current interest rates on Bankrate, and check with local lenders, including credit unions, which tend to offer rates that are 1 to 2 percentage points lower, on average, than conventional banks. Many community credit unions are open to anyone living in their area, eliminating the need to work at a certain company or in a specific industry to join. Use CUlookup.com to find a credit union you can join.

    6. Don’t assume financing at the dealership is the best deal

    While you may be drawn to a certain car or brand because you saw an ad for a low interest rate, it’s of no use unless you qualify. Only about 10 percent of car buyers qualify for the zero percent or low-interest-rate deals automakers offer. Even if you do qualify, you may be better off taking an automaker’s cash rebate and obtaining financing on your own at a bank or credit union. To find your best deal, first find the best interest rate you can get and then use Bankrate’s Car rebate vs. low-interest calculator.

    7. Learn the invoice price

    The research you did on independent automotive information websites should have included the invoice price (for new cars) or wholesale price (for used cars), as well as the manufacturer’s suggested retail price (for new cars) or the dealer’s asking price (for used). While invoice pricing on third-party information sites isn’t 100 percent accurate, it is a good indicator of what the dealer paid for the car, and it’s the best place to start your negotiation. Aim to reach an agreement on the sale price that is close to that number before any discounts are applied, and keep in mind that the dealer needs to make at least a few hundred dollars’ profit to cover the operating costs of running the dealership.

    8. Research all possible discounts in advance

    You’ve probably seen the ads promoting cash-back deals, and these incentives should be deducted after you negotiate the price. In addition, many automakers offer discounts to students, military members and even members of certain credit unions. These discounts can be stacked and can be combined with the cash-back rebates on the model. Check automaker websites for these incentives in their “Current Offers” sections.

    9. Take your time with the test drive

    When you’ve completed all your research, call the dealerships you want to visit and make appointments for test drives with the internet or fleet manager. You can find the name of the right person at the dealership website. By reaching out, you’re establishing a relationship with someone who might be less likely to try to strong-arm you into a deal if you decide you are ready to buy after the test drive.

    Since most car shoppers these days keep their cars for five years or more, take your time with the test drive to make sure you really love the car. Don’t hesitate to ask for more time behind the wheel to ensure you like the driving experience, and spend time in the car while it’s parked to adjust the seats, experiment with the controls and determine whether passengers would be comfortable and your regular cargo would fit well.

    10. Use smart negotiating strategies

    When you are ready to make a purchase and start discussing a price, keep in mind all the discounts you’ve researched, and — for the moment — forget about trading in your car as part of the deal. You’ll do better if you negotiate the sale price of your new car and the trade-in value of your old car separately. Make sure you have already researched your current car’s value online so you’ll know whether you are being offered a fair price when a trade-in is discussed.

    Once you’ve reached an agreement to buy, be prepared to say “no” to all the extras you may be offered. Instead, say “no” and do the research at home for whatever add-ons interest you, and contact the dealership at a later date to negotiate fair prices for those items. When you are presented with a sales or lease contract, go over all of the details carefully, making sure that you aren’t paying any unnecessary dealer fees and that everything you negotiated verbally is spelled out in writing.

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    It is suggested that any repair work done to a vehicles suspension is mirrored on both sides of the car, as if one part has failed it will only be a matter of time before another part does as well. We offer a large selection of suspension and steering parts such as ball joints, coil springs, control arms, idler arms, shocks, struts, sway bars and more. These parts are all vital to proper ride comfort, safety and handling of your vehicle.

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    There s nothing quite like the thrill of driving a brand new car, whatever vehicle you choose – but there are important things to consider before handing over your hard-earned cash and putting those first few miles on the clock.

    When you re looking for a brand new car, we want to show you as many car leasing companies as possible, so you can find the right deal for you. We can t promise to show you every single company, because some don t want to be included on comparison websites. MoneySuperMarket doesn’t offer a comparison service for this type of product but we have compiled a list below of insurers who can help.

    New Car providers/products

      • Provider/Product name New car deals

    Car-Finance.net

    Car-Finance.net can help you get the vehicle you want, at a price you can afford. Source your new car from any UK dealer or browse Car-Finance.net’s constantly changing special offers. Pick from their flexible and competitive car finance options, including low deposit deals. Drop Car-Finance.net a line today and let them help you with your next new car purchase.

    CarLease UK

    Carlease UK offer competitive business and personal car leasing deals on a number of different vehicles. Enjoy free delivery or collection across the UK. Carlease UK is authorised and regulated by the Financial Conduct Authority and the BVRLA.

    BMW 4 Series Gran Coupe 420i SE (Business Media) from 249.99 + VAT per month. Initial rental 1,499.94 + VAT, 10,000 miles per annum allowance. Terms and conditions apply.

    Plan Car

    Plan was established in 1998; their website gives instant online quotes on a wide range of vehicles and they offer honest, impartial advice. Enjoy free delivery and collection of your vehicle across the UK. Plan is authorised and regulated by the Financial Conduct Authority and the BVRLA.

    Smart Forfour Hatchback 1.0 Prime Premium 5dr from 103.85 + VAT per month. Initial payment of 623.10 + VAT with 10,000 miles per annum allowance. Terms and conditions apply.

    Best Car Leasing Deals

    Best Car Leasing Deals offer a wide range of bespoke vehicle leasing deals for both business and personal use. Variable initial rentals and mileages are available and you can receive free delivery and collection of your vehicle across the UK. Best Car Leasing Deals is authorised and regulated by the Financial Conduct Authority and the BVRLA.

    Mercedes-Benz A Class Hatchback A180d SE 5dr from 169.99 + VAT per month. Business contract hire. Initial payment of 1,529 + VAT with 10,000 miles per annum allowance. Terms and conditions apply.

    New car pros

    Buying a brand new car has several advantages over opting for a used vehicle.

    First and foremost, provided you re prepared to be a little patient, you should be able to order a car that fits your personal specification – so if you re after a particular colour, a specific kind of upholstery or a selection of snazzy mod cons, it s likely you ll get them.

    Just be careful not to go overboard with personalising your vehicle if you ll be selling it later down the line – touches that are to your taste might not be to other people s, and could affect the desirability of your car when you re looking for a buyer.

    New cars also come with practical plus points: for a start, your vehicle won t need an MOT for the first three years it s on the road. New cars also tend to be more fuel efficient than older vehicles, so the likelihood is the running cost of your car will be lower than you re used to.

    New vehicles also tend to be more environmentally-friendly than older cars, which could see you save money on vehicle tax. This is now calculated based on CO2 emissions, with some vehicles entirely exempt from tax, others liable for as little as 20 a year and some attracting annual charges of up to 500.

    Finally, you d expect a brand new car to be in perfect working order for a number of years after purchase – so servicing and maintenance costs should be low. You may also find a brand new vehicle comes with a certain number of services included, or a warranty that will cover certain repairs for up to five years.

    Some car manufacturers will also throw in other money-saving extras when you purchase a new car, such as a year s free insurance or breakdown cover.

    New car cons

    The biggest – and most expensive – disadvantage of buying a new car is the dreaded d word: depreciation.

    You ve probably heard it said that some cars lose thousands of pounds in value the second you drive them off the forecourt – and while that s a dramatic way of saying it, the fact is that cars decrease in value at breakneck speed during the first year they re on the road. It s important to consider this before signing on the dotted line for your new motor.

    The swift depreciation of new car values is of sufficient concern to some buyers that they purchase gap insurance.

    Gap insurance is a product designed to insure the difference between the new purchase price of their vehicle and the potential used car value that might be attached to it by an insurer if it were stolen, destroyed or written off in an accident soon after purchase. While gap insurance is an extra expense, for certain motorists it provides peace of mind they are happy to pay for.

    Finally, don t forget that having a brand new vehicle could mean you face higher insurance premiums than you might for a used vehicle with a similar specification. This is because new cars can be extra attractive to thieves, and might also be more expensive to repair in the event of an accident.

    Get the best deal

    Whether you re looking for new set of wheels or are after something second-hand, getting the best deal on car insurance – and other products such as gap insurance and breakdown cover – could save you hundreds of pounds.

    MoneySuperMarket s car insurance comparison channel will help you to shop around for the best prices and products in minutes.

    CarDekho – Cars in India, New Cars Prices 2016, Buy and Sell Used Cars, new car search.#New #car #search


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    Edmunds: Your one-stop car shop

    For some people, car shopping can be overwhelming. You have to go to this site to find savings and incentives, then that site for buying and leasing guides, and even another site for a payment calculator. But Edmunds is your trusted advisor – we have everything you need to find your perfect new or used car in one place. No matter where you are in the car shopping process, we can help. Need detailed side-by-side comparisons of car features and specs? Detailed expert and user reviews of the latest makes and models? Informed buying and leasing guides? Connections to thousands of dealers in your area with available new and used cars? We ve got it all. And after you find your perfect car, we can help you lock in upfront pricing and get exclusive extras. So no matter where you are, we can provide you with a simple, easy and efficient car shopping experience.

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    At Edmunds, we want to provide you with an exciting, enjoyable car shopping process. But we know that no two people shop for a new or used car in the same way. That s why we provide support and guidance throughout every stage of the car shopping process, giving you expert advice and unbiased reviews that you can trust. We want you to shop and buy with confidence, whether you re reading expert and driver reviews, comparing features and specs, or figuring out a lease with our payment calculator. Not sure where to get started? Get car shopping advice and tips from one of our dedicated experts – they re available to provide live support and answer your questions via phone, email and text. Now let s find your perfect car.

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    New auto parts

    Complete Selection of Over 1 Million PartsFuel is burning, pistons are pumping, wheels are rolling-things are happening a mile a minute the moment you fire up that engine. From engine cylinders to shock absorbers, every little bit and piece is hard at work, notwithstanding extreme heat, pressure, and greater demands on the road. A few thousand miles down the line, some car parts just can’t help but snap, choke, leak, and rust. But hey, when that time comes, you can always snatch a fresh batch to replace those crappy parts. The right auto parts and accessories will give your ride the boom and the pow in performance and the dazzling shine like a brand-new piece in a showroom.

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    We offer a complete selection of discount and aftermarket auto parts and accessories for virtually all vehicle makes and models. Since 1995, we have been retailing hard-to-find auto parts online, such as parts for classic cars and phased-out vehicles. Our valued customers include DIYers, car repair facilities, and, basically, anybody who wants to get the most reliable aftermarket parts at the lowest possible prices. Today, we have over 1 million parts in stock, and finding these is easy with our user-friendly catalog. Whether you need car parts, truck parts, SUV parts, or even tools for your DIY projects, you can get them all here!

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    Low Price Guarantee on Every PartYou think your ride is all sizzle and no steak? Or old and shabby like a yesteryear’s baby? If gobs of horsepower and torque are what you crave for, switch to an upgraded intake system, free-flowing exhaust, or other high-performance parts. A few mods and replacements can give you superb handling, great aerodynamics, smooth acceleration, and excellent vehicle control. Aside from fine-tuning your ride’s performance, you can also enhance your ride’s visual appeal-turn it from flat to fab. Flares, trims, and other car blings can make a big difference-they can make your vehicle look flashy, sporty, suave, or wickedly awesome. All set to tear the road apart or wow passersby with your ride’s flashy mod? Make the smart choice. Shop with Parts Train today!

    Our rack is filled with top-of-the-line Ford parts, Dodge parts, and Chevy parts, along with other highly reliable OE replacement parts and accessories for domestic and import vehicles. We have over one million items in stock, including Audi parts and Mazda parts. All these are available at very affordable prices, so you’ll have more savings when you get them here! If you’re not yet convinced, here’s more-each product that we offer comes with a low price guarantee. Should you find a similar part somewhere that is cheaper than our offer, just get in touch with us and we’ll match or beat that price! You can count on this guarantee to make sure that you’ll get the best value when you shop here. With every dime or nickel that you save, you can be sure that auto repair and maintenance won’t make a big dent in your budget. And though the parts offered here are cheaper, you can throw doubts about product quality out the window. You won’t be short-changed we offer the best for less!

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    New car sales

    There s nothing quite like the thrill of driving a brand new car, whatever vehicle you choose – but there are important things to consider before handing over your hard-earned cash and putting those first few miles on the clock.

    When you re looking for a brand new car, we want to show you as many car leasing companies as possible, so you can find the right deal for you. We can t promise to show you every single company, because some don t want to be included on comparison websites. MoneySuperMarket doesn’t offer a comparison service for this type of product but we have compiled a list below of insurers who can help.

    New Car providers/products

      • Provider/Product name Cheap new cars

    Car-Finance.net

    Car-Finance.net can help you get the vehicle you want, at a price you can afford. Source your new car from any UK dealer or browse Car-Finance.net’s constantly changing special offers. Pick from their flexible and competitive car finance options, including low deposit deals. Drop Car-Finance.net a line today and let them help you with your next new car purchase.

    CarLease UK

    Carlease UK offer competitive business and personal car leasing deals on a number of different vehicles. Enjoy free delivery or collection across the UK. Carlease UK is authorised and regulated by the Financial Conduct Authority and the BVRLA.

    BMW 4 Series Gran Coupe 420i SE (Business Media) from 249.99 + VAT per month. Initial rental 1,499.94 + VAT, 10,000 miles per annum allowance. Terms and conditions apply.

    Plan Car

    Plan was established in 1998; their website gives instant online quotes on a wide range of vehicles and they offer honest, impartial advice. Enjoy free delivery and collection of your vehicle across the UK. Plan is authorised and regulated by the Financial Conduct Authority and the BVRLA.

    Smart Forfour Hatchback 1.0 Prime Premium 5dr from 103.85 + VAT per month. Initial payment of 623.10 + VAT with 10,000 miles per annum allowance. Terms and conditions apply.

    Best Car Leasing Deals

    Best Car Leasing Deals offer a wide range of bespoke vehicle leasing deals for both business and personal use. Variable initial rentals and mileages are available and you can receive free delivery and collection of your vehicle across the UK. Best Car Leasing Deals is authorised and regulated by the Financial Conduct Authority and the BVRLA.

    Mercedes-Benz A Class Hatchback A180d SE 5dr from 169.99 + VAT per month. Business contract hire. Initial payment of 1,529 + VAT with 10,000 miles per annum allowance. Terms and conditions apply.

    New car pros

    Buying a brand new car has several advantages over opting for a used vehicle.

    First and foremost, provided you re prepared to be a little patient, you should be able to order a car that fits your personal specification – so if you re after a particular colour, a specific kind of upholstery or a selection of snazzy mod cons, it s likely you ll get them.

    Just be careful not to go overboard with personalising your vehicle if you ll be selling it later down the line – touches that are to your taste might not be to other people s, and could affect the desirability of your car when you re looking for a buyer.

    New cars also come with practical plus points: for a start, your vehicle won t need an MOT for the first three years it s on the road. New cars also tend to be more fuel efficient than older vehicles, so the likelihood is the running cost of your car will be lower than you re used to.

    New vehicles also tend to be more environmentally-friendly than older cars, which could see you save money on vehicle tax. This is now calculated based on CO2 emissions, with some vehicles entirely exempt from tax, others liable for as little as 20 a year and some attracting annual charges of up to 500.

    Finally, you d expect a brand new car to be in perfect working order for a number of years after purchase – so servicing and maintenance costs should be low. You may also find a brand new vehicle comes with a certain number of services included, or a warranty that will cover certain repairs for up to five years.

    Some car manufacturers will also throw in other money-saving extras when you purchase a new car, such as a year s free insurance or breakdown cover.

    New car cons

    The biggest – and most expensive – disadvantage of buying a new car is the dreaded d word: depreciation.

    You ve probably heard it said that some cars lose thousands of pounds in value the second you drive them off the forecourt – and while that s a dramatic way of saying it, the fact is that cars decrease in value at breakneck speed during the first year they re on the road. It s important to consider this before signing on the dotted line for your new motor.

    The swift depreciation of new car values is of sufficient concern to some buyers that they purchase gap insurance.

    Gap insurance is a product designed to insure the difference between the new purchase price of their vehicle and the potential used car value that might be attached to it by an insurer if it were stolen, destroyed or written off in an accident soon after purchase. While gap insurance is an extra expense, for certain motorists it provides peace of mind they are happy to pay for.

    Finally, don t forget that having a brand new vehicle could mean you face higher insurance premiums than you might for a used vehicle with a similar specification. This is because new cars can be extra attractive to thieves, and might also be more expensive to repair in the event of an accident.

    Get the best deal

    Whether you re looking for new set of wheels or are after something second-hand, getting the best deal on car insurance – and other products such as gap insurance and breakdown cover – could save you hundreds of pounds.

    MoneySuperMarket s car insurance comparison channel will help you to shop around for the best prices and products in minutes.

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    MoneySuperMarket s List of New Car Dealers, new car deals.#New #car #deals


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    There s nothing quite like the thrill of driving a brand new car, whatever vehicle you choose – but there are important things to consider before handing over your hard-earned cash and putting those first few miles on the clock.

    When you re looking for a brand new car, we want to show you as many car leasing companies as possible, so you can find the right deal for you. We can t promise to show you every single company, because some don t want to be included on comparison websites. MoneySuperMarket doesn’t offer a comparison service for this type of product but we have compiled a list below of insurers who can help.

    New Car providers/products

      • Provider/Product name New car deals

    Car-Finance.net

    Car-Finance.net can help you get the vehicle you want, at a price you can afford. Source your new car from any UK dealer or browse Car-Finance.net’s constantly changing special offers. Pick from their flexible and competitive car finance options, including low deposit deals. Drop Car-Finance.net a line today and let them help you with your next new car purchase.

    CarLease UK

    Carlease UK offer competitive business and personal car leasing deals on a number of different vehicles. Enjoy free delivery or collection across the UK. Carlease UK is authorised and regulated by the Financial Conduct Authority and the BVRLA.

    BMW 4 Series Gran Coupe 420i SE (Business Media) from 249.99 + VAT per month. Initial rental 1,499.94 + VAT, 10,000 miles per annum allowance. Terms and conditions apply.

    Plan Car

    Plan was established in 1998; their website gives instant online quotes on a wide range of vehicles and they offer honest, impartial advice. Enjoy free delivery and collection of your vehicle across the UK. Plan is authorised and regulated by the Financial Conduct Authority and the BVRLA.

    Smart Forfour Hatchback 1.0 Prime Premium 5dr from 103.85 + VAT per month. Initial payment of 623.10 + VAT with 10,000 miles per annum allowance. Terms and conditions apply.

    Best Car Leasing Deals

    Best Car Leasing Deals offer a wide range of bespoke vehicle leasing deals for both business and personal use. Variable initial rentals and mileages are available and you can receive free delivery and collection of your vehicle across the UK. Best Car Leasing Deals is authorised and regulated by the Financial Conduct Authority and the BVRLA.

    Mercedes-Benz A Class Hatchback A180d SE 5dr from 169.99 + VAT per month. Business contract hire. Initial payment of 1,529 + VAT with 10,000 miles per annum allowance. Terms and conditions apply.

    New car pros

    Buying a brand new car has several advantages over opting for a used vehicle.

    First and foremost, provided you re prepared to be a little patient, you should be able to order a car that fits your personal specification – so if you re after a particular colour, a specific kind of upholstery or a selection of snazzy mod cons, it s likely you ll get them.

    Just be careful not to go overboard with personalising your vehicle if you ll be selling it later down the line – touches that are to your taste might not be to other people s, and could affect the desirability of your car when you re looking for a buyer.

    New cars also come with practical plus points: for a start, your vehicle won t need an MOT for the first three years it s on the road. New cars also tend to be more fuel efficient than older vehicles, so the likelihood is the running cost of your car will be lower than you re used to.

    New vehicles also tend to be more environmentally-friendly than older cars, which could see you save money on vehicle tax. This is now calculated based on CO2 emissions, with some vehicles entirely exempt from tax, others liable for as little as 20 a year and some attracting annual charges of up to 500.

    Finally, you d expect a brand new car to be in perfect working order for a number of years after purchase – so servicing and maintenance costs should be low. You may also find a brand new vehicle comes with a certain number of services included, or a warranty that will cover certain repairs for up to five years.

    Some car manufacturers will also throw in other money-saving extras when you purchase a new car, such as a year s free insurance or breakdown cover.

    New car cons

    The biggest – and most expensive – disadvantage of buying a new car is the dreaded d word: depreciation.

    You ve probably heard it said that some cars lose thousands of pounds in value the second you drive them off the forecourt – and while that s a dramatic way of saying it, the fact is that cars decrease in value at breakneck speed during the first year they re on the road. It s important to consider this before signing on the dotted line for your new motor.

    The swift depreciation of new car values is of sufficient concern to some buyers that they purchase gap insurance.

    Gap insurance is a product designed to insure the difference between the new purchase price of their vehicle and the potential used car value that might be attached to it by an insurer if it were stolen, destroyed or written off in an accident soon after purchase. While gap insurance is an extra expense, for certain motorists it provides peace of mind they are happy to pay for.

    Finally, don t forget that having a brand new vehicle could mean you face higher insurance premiums than you might for a used vehicle with a similar specification. This is because new cars can be extra attractive to thieves, and might also be more expensive to repair in the event of an accident.

    Get the best deal

    Whether you re looking for new set of wheels or are after something second-hand, getting the best deal on car insurance – and other products such as gap insurance and breakdown cover – could save you hundreds of pounds.

    MoneySuperMarket s car insurance comparison channel will help you to shop around for the best prices and products in minutes.

    ZigWheels – New Cars, Used Cars, Bikes Prices, News, Reviews, Forum, new car search.#New #car #search


    new car search

    New car search

    Suzuki Intruder 150: First Ride Review

    The Intruder name makes a comeback in the Indian market, this time in a 150cc guise. We get astride one of the most divisive motorcycles of recent times to find out if there’s any real muscle under all that mass.

    New car search

    Triumph Street Triple RS: Road Test Review

    The Street Triple S didn t really impress us like the earlier 675. Can the top-spec RS bring back the magic of the original?

    New car search

    2017 Ford EcoSport Facelift: First Drive Review

    Ford’s EcoSport gets a nip and tuck and a new engine as it attempts to reclaim lost ground. We take a spin to find out what’s new

    New car search

    Driven: Honda Clarity Range

    India may not be FCV- or PHEV-ready just yet but when we are, Honda’s garage is locked and loaded!

    New car search

    Electric, Not Eccentric: The 2017 e-Golf

    It’s electric, understated and it’s not coming to India. But we just couldn t give up the chance to drive the next-gen version of the iconic Volkswagen Golf. It formed the perfect backdrop to learning about how Volkswagen is gearing up for the future

    New car search

    2017 KTM 390 Duke: Road Test Review

    It’s been a long time coming and we actually had to buy one to bring you this road test

    New car search

    Yamaha Fazer 25 Road Test Review

    We get astride Yamaha’s first ever full-faired Fazer, which also happens to be made in India, to find out if it’s got the goods to be an efficient tourer

    New car search

    Tata Nexon vs Maruti Suzuki Vitara Brezza: Comparison Review

    Is the wow factor on Tata’s Nexon more than skin deep? Should the segment champ, the Maruti Suzuki Vitara Brezza, be spooked? All questions answered here.

    New car search

    Yamaha YZF-R3: 16,000km Long Term Review

    A Japanese supersport indulges in a mild bit of off-roading. You won’t believe what happens next

    Local Car Dealer Inventory at, new car search.#New #car #search


    New Car Locator Locate your new vehicle and get a price quote

    Looking for a specific new car, truck or SUV from a local dealer?

    NewCars.com is dedicated to connecting you with your local dealers and locating available new car inventory that meet your specifications.

    Once you’ve found your new car at a local dealer, you can contact that dealer for more information, and get a free price quote with no obligation to buy.

    To locate new car inventory with the most competitive pricing, simply choose the model you’re interested in and enter your ZIP code.

    Choose your desired model and enter your ZIP to search local inventory

    New car search

    We are now searching over a million vehicles to find the cars that are right for you.

    A member of the Cars.com family. NewCars.com is a registered trademark. Copyright 1995 – 2017.

    New car search

    NewCars.com is a member of the Better Business Bureau.

    Are you a dealer?

    Become a NewCars.com Dealer Partner today.

    Helpful Links

    New car search Certain specifications, prices and equipment data have been provided under license from Chrome Data Solutions (“Chrome Data”). 2017 Chrome Data Solutions, LP. All Rights Reserved. This information is supplied for personal use only and may not be used for any commercial purpose whatsoever without the express written consent of Chrome Data. Chrome Data makes no guarantee or warranty, either expressed or implied, including without limitation any warranty of merchantability or fitness for a particular purpose, with respect to the data presented here. All specifications, prices and equipment are subject to change without notice.

    Online Auto Mechanic Schools: Gear Up for a New Career #search #used #cars


    #auto mechanic school
    #

    Online Auto Mechanic School

    In the old days, anyone with a wrench, a repair manual, and the willingness to shimmy under a car with a creeper could call themselves an automotive mechanic. No more! Today’s dealerships and auto mechanic shops are looking for graduates of auto mechanic schools who know how to use computerized diagnostic equipment to identify problems in ever-more-complicated cars and trucks.

    According to the U.S. Bureau of Labor Statistics (BLS), most employers seek candidates who have completed formal auto mechanic courses or auto mechanic degree programs that are qualified to handle emerging automotive technology. In the larger cities, the BLS reports, many employers demand entry-level automotive mechanics to hold an Automotive Service Excellence (ASE) certification. You can kiss the old-school wrench jockeys goodbye.

    Auto Mechanic School: What to Expect

    Today’s campus and online auto mechanic schools may provide instruction in diagnosis, service, and repair of domestic and foreign vehicles, along with the increasingly sophisticated computerized tools required to keep pace with emerging models and systems, including hybrids. That doesn’t mean you won’t be required to handle tools or use your common sense and your experience. Auto mechanic courses may combine technical training with hands-on practice in generally required skill areas, including:

    • Engines and power plants
    • Transmission systems
    • Electrical systems
    • Wheels and brakes
    • Electronic fuel injection systems
    • Heating and air conditioning
    • Diagnostics and smog certifications

    You may also choose to continue your education later by enrolling in courses for high-performance vehicles, street rods, diesel engines, chassis repair or fabrications, trim and upholstery, or collision repair and painting. Some auto mechanic schools may focus on manufacturer specific training for diagnosing, repair, or maintenance of foreign and high-performance vehicles.

    Among the auto mechanic degree programs, you’ll find courses leading to diplomas, certificates, associate’s degrees, and four-year bachelor’s degree in automotive engineering technology.

    Career Options for Auto Mechanic School Graduates

    Grads from auto mechanic degree programs may take jobs with automobile dealerships, private repair shops and garages, auto parts stores, parts manufacturing companies, tire retailers, or as self-employed professionals.

    If you work for a dealership or repair shop after graduating from mechanics school, you may probably work as an apprentice behind a seasoned mechanic who checks your work. With experience, you may also move from assigned auto maintenance roles to diagnostic and repair work. You may choose to pursue additional training on specific brands of vehicles as your employer asks you to obtain certifications.

    Salary Outlook for Auto Mechanic School Degree Holders

    The Bureau of Labor Statistics (BLS) reports that automotive service technicians and mechanics earned mean annual wages of $35,790 in 2010. Wages may vary by region, training, and the size of your employer.

    States areas with the highest concentration of auto mechanics include Vermont, Montana, West Virginia, and Maine, while the top-paying state was Alaska, with an hourly mean wage of $23.74. You can earn more by continuing to add specializations and certifications. In the auto body field, by comparison, the 2009 mean annual wage was $41,020, with the top earners drawing $63,980.

    The BLS predicts very good job opportunities for auto mechanics with formal training and ASE certification.

    New Study Reveals States With Lowest Auto Loan Rates #auto #transmission


    #lowest auto loan rates
    #

    New Study Reveals States With Lowest Auto Loan Rates

    Just the Facts:

    • The U.S. states with the lowest average auto loan rates are Michigan, Oregon and Alaska, according to a new study by GoBankingRates.com.
    • The study said the states with the highest average rates are Rhode Island, Connecticut and New Jersey.
    • GoBankingRates.com found the nationwide average interest rate for a loan on a new vehicle is 3.65 percent.

    LOS ANGELES A new study by GoBankingRates.com says the U.S. states with the lowest average auto loan rates are Michigan, Oregon and Alaska. The states with the highest average rates are Rhode Island, Connecticut and New Jersey.

    The study found that the average interest rate nationwide for a loan on a new vehicle is 3.65 percent. In general, states on the West Coast have the lowest overall rates, while the Northeast has the most states with rates of 4.01 percent or higher.

    GoBankingRates.com partnered with Informa Research Services to gather online data from more than 4,000 U.S. banks and credit unions. The study looked at the base interest rates for new-car loans as of July 24, 2013, for terms of 36 months, 48 months and 60 months, then averaged the findings from each state to arrive at the rankings.

    Michigan, the traditional home of the U.S. auto industry, turned out to have the lowest statewide average: 3.03 percent. The best rates in Michigan were 1.49 percent for 36 months, 1.49 percent for 48 months and 1.75 percent for 60 months.

    Oregon and Alaska each averaged 3.04 percent, according to the study. Rounding out the top 10 were New Hampshire, South Carolina, Vermont, Oklahoma, Utah, Washington and North Carolina, with rates ranging from 3.08 percent to 3.31 percent.

    The worst rates were found in Rhode Island, which averaged 5.11 percent. Other bottom-10 results included Connecticut, New Jersey, Massachusetts, Louisiana, West Virginia, Delaware, Mississippi, Pennsylvania and the District of Columbia, with rates from 4.82 percent to 3.95 percent.

    Although the study makes for interesting reading, rates within each state vary widely, so the compiled averages don’t tell consumers the whole story. A car shopper in Rhode Island, the state with the worst average, may find a local financial institution offering a rate equal to or better than the lowest one in Michigan, which had the best average.

    As GoBankingRates.com advises, “When it comes to affordable financing, there are always great options available on the local level, and it’s up to the borrower to find them.”

    In a recovering economy it’s particularly important to shop around for the best rate. For some time, many automakers have helped keep interest rates low through subsidies and incentives that increased sales. As the economy improves, says GoBankingRates.com, interest rates are on the rise.

    But for now, the site notes, “car buyers continue to enjoy some of the lowest financing options available.” It just takes diligent comparison shopping to root out the best deals.

    Edmunds says: As always, it pays to do your homework before walking into a lender’s office or car dealership.

    MoneySuperMarket s List of New Car Dealers #usa #auto #parts


    #new car deals
    #

    New car sales

    There s nothing quite like the thrill of driving a brand new car, whatever vehicle you choose – but there are important things to consider before handing over your hard-earned cash and putting those first few miles on the clock.

    MoneySuperMarket doesn’t offer a comparison service for this type of product but we have compiled a list below of insurers who can help.

    New Car providers/products

    Plan Car

    Best Car Leasing Deals

    New car pros

    Buying a brand new car has several advantages over opting for a used vehicle.

    First and foremost, provided you re prepared to be a little patient, you should be able to order a car that fits your personal specification – so if you re after a particular colour, a specific kind of upholstery or a selection of snazzy mod cons, it s likely you ll get them.

    Just be careful not to go overboard with personalising your vehicle if you ll be selling it later down the line – touches that are to your taste might not be to other people s, and could affect the desirability of your car when you re looking for a buyer.

    New cars also come with practical plus points: for a start, your vehicle won t need an MOT for the first three years it s on the road. New cars also tend to be more fuel efficient than older vehicles, so the likelihood is the running cost of your car will be lower than you re used to.

    New vehicles also tend to be more environmentally-friendly than older cars, which could see you save money on vehicle tax. This is now calculated based on CO2 emissions, with some vehicles entirely exempt from tax, others liable for as little as 20 a year and some attracting annual charges of up to 500.

    Finally, you d expect a brand new car to be in perfect working order for a number of years after purchase – so servicing and maintenance costs should be low. You may also find a brand new vehicle comes with a certain number of services included, or a warranty that will cover certain repairs for up to five years.

    Some car manufacturers will also throw in other money-saving extras when you purchase a new car, such as a year s free insurance or breakdown cover.

    New car cons

    The biggest – and most expensive – disadvantage of buying a new car is the dreaded d word: depreciation.

    You ve probably heard it said that some cars lose thousands of pounds in value the second you drive them off the forecourt – and while that s a dramatic way of saying it, the fact is that cars decrease in value at breakneck speed during the first year they re on the road. It s important to consider this before signing on the dotted line for your new motor.

    The swift depreciation of new car values is of sufficient concern to some buyers that they purchase gap insurance.

    Gap insurance is a product designed to insure the difference between the new purchase price of their vehicle and the potential used car value that might be attached to it by an insurer if it were stolen, destroyed or written off in an accident soon after purchase. While gap insurance is an extra expense, for certain motorists it provides peace of mind they are happy to pay for.

    Finally, don t forget that having a brand new vehicle could mean you face higher insurance premiums than you might for a used vehicle with a similar specification. This is because new cars can be extra attractive to thieves, and might also be more expensive to repair in the event of an accident.

    Get the best deal

    Whether you re looking for new set of wheels or are after something second-hand, getting the best deal on car insurance – and other products such as gap insurance and breakdown cover – could save you hundreds of pounds.

    MoneySuperMarket s car insurance comparison channel will help you to shop around for the best prices and products in minutes.

    New & Used Car Loan Options – Wells Fargo #auto #trder


    #used auto loans
    #

    Used Car Loan (private party)

    Specialty vehicle financing

    Lease buyout

    Find out how you can purchase a car that you are currently leasing with a Wells Fargo lease buyout option.

    Financing your next new or used car can be quick and easy. Discover the benefits of working with us and find a vehicle loan option that may fit your needs.

    • Credit decisions in as little as 15 minutes and same-day funding available
    • There are no out-of-pocket costs or fees when you apply
    • Quickly access the finances you need to get your vehicle, sometimes within 1-2 days
    • We have a variety of options for all customers
    • We have over 65 years of vehicle financing experience to help you reach your goal

    Our cars and our stories

    From love at first drive to exhilarating highway adventures, read how these Wells Fargo employees have experienced the joys of car ownership, giving them firsthand knowledge of what it means to truly be behind the wheel.

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


    #used car search engine
    #

    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.

    How to Purchase a New Car Cheap #auto #tires #prices


    #buy cheap cars
    #

    Other People Are Reading

    Be Informed

    The more accurate your assessment of the dealer cost, the better prepared you ll be to start negotiating. Start with the dealer invoice, which is the official price the dealership paid for the car. Check websites like Edmunds, KBB and AutoTrader, which track the invoice price and any dealer incentives offered by the manufacturer. These incentives lower the effective cost to the dealer. Another factor that lowers the dealer’s real cost is the holdback — a refund the manufacturer gives the dealership once the car is sold, often provided by the factory on a quarterly basis. Holdbacks are harder to determine, but they typically represent 2 to 3 percent of the purchase price. This means that the dealer invoice is 2 to 3 percent higher than what the dealer will ultimately pay.

    Negotiate by the Numbers

    Once you have a sense of what the vehicle cost the dealer, you can come up with a price that meets your needs and gives the dealership enough profit to accept it. While you’ll be able to use dealer incentives as a tool to lower the sale price, most dealers won t negotiate based on the holdback. But knowing about the holdback gives you ammo when the salesman claims he s not making any profit on the sale at your proposed price. In addition, check auto buying websites to see what buyers are paying in your area. This gives you a price range that dealers have accepted.

    Time It Right

    Dealers sometimes have extra incentive to sell certain types of vehicles at specific times of year. One example that s easy to predict is the end of the model year. Salesmen need to move cars off the lot at the end of the year to make room for next year s models, particularly if that model is undergoing a redesign or if new features will be added in the coming year. The manufacturer in those cases may offer extra dealer incentives that can help salesmen give you the best possible price. If you’re flexible in your timing, buying a new car under these circumstances can save you a lot of cash.

    Get the Best Rates

    A great price on the vehicle doesn t mean much if you re paying more than you should in financing charges. Don t rely on the dealer for your financing. Check rates with your bank or credit union, and obtain preapproval before shopping. Many lenders even give you a check for your preapproved amount that you can use to buy the car. That way you won’t be pressured into taking a comparatively poor financing offer from the dealership to drive away with the car.

    Look Around

    Even if you ve fallen in love with a particular model, there are identical cars at each dealership in your area and across the country if you re willing to look farther away and have the car shipped. Play one dealership off against another, so they’re bidding to win your business. Get online price quotes from every dealer within a few hours’ driving distance. You may not be eager to drive across state lines for a better deal, but the salesman at the local dealership won’t know that.

    No Unnecessary Add-ons

    You ll spend a lot of time preparing to buy a car, and the negotiating process can be draining. Don t give up your hard-won results at the finish by agreeing to purchase extras like rustproofing, undercoating or sealant. These overpriced perks represent extra profit for the dealer, as do flashy features that are cheaper if purchased and installed after you ve bought the car.

    Honolulu, Hawaii Auto Loan Rates, New Car Loan Rates, Used Car Loan Rates #auto #prices


    #auto loan rates
    #

    Search and Compare New & Used Car Loan Rates in Honolulu, HI

    Auto Loan Rates in Honolulu, Hawaii

    Honolulu, HI Auto Loan Rates. Get Honolulu, HI auto loan rates from several different banks and credit unions in Honolulu, HI. You can search and compare the best Honolulu, HI auto loan rates available using our auto loan rate tables. MonitorBankRates.com has car loan rates for new cars and used cars. Loan terms range from 3 years, 4 years and 5 years.

    New Auto Loan Rates and Used Auto Loan Rates in Honolulu, Hawaii

    Auto loan rates in Honolulu, HI will vary depending on several factors, including your credit score and the type of car loan you need. Honolulu, HI used car loan rates tend to be higher than Honolulu, HI new car loan rates. Honolulu, HI bank and credit union auto loan rates tend to be higher for a used auto when buying a car directly from an individual instead of from a car dealer in Honolulu, HI. Not all banks and credit unions in Honolulu, HI offer used auto loans so you’ll have to do some research. You can also find some of the best auto loan rates from Honolulu, HI credit unions.

    Honolulu, Hawaii Refinancing Loans

    Some Honolulu, HI banks and credit unions in Honolulu, HI also offer refinance car loans which will allow you to refinance an existing loan. Before you start this process you should find out if refinancing an auto loan is even worth the trouble and the cost. You can use a refinance auto loan calculator to help you make that decision. Surprisingly some banks and credit unions in Honolulu, HI offer bad credit auto loan refinance options. If you have a bad credit history finding a low interest rate won’t be easy.

    Express Car Parts. New Car Parts Online #discount #auto #parts #online


    #auto parts uk
    #

    Wynns Engine Stop Leak 325ml

    New Car Parts from Express Car Parts a national supplier of OE car parts. Our easy to use online look-up car parts system currently lists over 225,000 discounted car parts for all makes of vehicle which includes Alfa Romeo, Audi, BMW, Citroen, Chrysler,Chevolet,Daihatsu,Dodge,Fiat, Ford, Honda, Hyundai, Jaguar,Jeep,Kia, Land Rover, Lexus,Lotus, Mazda, Mercedes-Benz, Mini, Mitsubishi, Nissan,Opel,Peugeot, Porsche, Proton,Renault, Rover, Saab, Seat, Skoda, Smart, Subaru, Suzuki,Toyota, Vauxhall, Volvo and Volkswagen.

    Use our online parts system to identify your parts requirements easily.We have a complete range of new car spares for your car, use our online system to find Exhausts, Catalytic Converters, Brake Discs and Pads,Brake Hydralics, Engine Filters,Engine Gaskets, Vehicle electronic sensors and switches,shock absorbers and coil springs,steering and suspension parts plus many more new car parts. We have the power to supply your new car parts from stock..

    Meyle HD steering and suspension Car products.Meyle HD are a leading new car parts supplier for Audi ,BMW, Mercedes, Volkswagen on steering and suspension product. All Meyle HD product comes with a 4 year unlimited mileage warranty.Products of the MEYLE brand stand for outstanding quality and enhanced performance. Read about this product on the many car forums.

    Blueprint is one of the foremost suppliers of parts 4 Cars. They are specialists component suppliers for Japanese and Asian Vehicles.

    Sachs clutches. We have the original equipment product thats fitted to many new cars, Sachs clutches are the best in the market. We have some the cheapest prices on Sachs clutches on line.All Sachs Clutches are Brand New.Sachs are original supplier of the Dual Mass Clutche to many leading car suppliers

    We are Total Oils area supplier for Sussex. Total Oils are original suppliers for Citreon and Peugeot and Mazda and Renault cars and vans.

    Remember we have parts 4 cars at fantastic prices. Save money on your new car parts now. Look in our accessories shop for fantastic product offers and product clearance offers many at 25% extra discount. Our accessory shop has offers on oils, brakes, tools. Start shoping now.

    Express Car Parts are the original home of Car Parts To Your Door. Yes that means we deliver to your door by our UK.Mail delivery service from only 7.95.

    Textar Brake Pads now available for Porsche, Audi, Mercedes car models. Textar are the original brake pad manufacturers for these cars.

    Express Car Parts, your one stop shop to car parts at realistic prices.All parts either match OE or exceed them.

    Leading Brands supplied include Mahle, AC Delco,Sachs, Meyle,Mintex,Blueprint,Delco Remy,NGK,Conti,Sealey Tools,Fuchs Oils, Victor Reinz plus many more.

    Discount Auto Parts Online Store – New Auto Parts Factory Outlet Prices #auto #traders


    #discount auto parts online
    #

    Buy Discount Auto Parts at Prime Choice Auto Parts

    Factory Outlet Store

    Shopping for discount auto parts online, new auto parts at the lowest prices? You don’t have to give up quality or customer service! Prime Choice Auto Parts is your online auto parts factory outlet store offering the best in customer service, quality, and price. Check out what our customers are saying about us.

    Our Parts Are The Lowest Priced On The Internet Because We Eliminate The Middleman!

    Do you want the lowest priced replacement auto parts for your truck or car? Buy quality auto parts with confidence by purchasing directly from the auto parts manufacturer. We are not an auto parts store; we are an auto parts wholesaler with factory outlet prices.

    Industry Leading Quality and Lowest Prices

    Our new auto parts are quality built parts and we ensure the highest manufacturing specifications for every product we sell. All Prime Choice Auto Parts are inspected before they are shipped from our 100,000 square foot state of the art auto parts warehouse to ensure you receive the highest possible quality car parts for the right vehicle.

    Customer Service That Helps You Get the Parts You Need Fast

    We understand that you are purchasing car parts today because you need them today. Most Prime Choice Auto Parts orders include free shipping and are packed and shipped the same day. Prime choice auto parts is a fully owner operated car parts factory outlet store that sells factory direct to the consumer. Over 30 years in the automotive industry. We are proud to offer high quality, direct fit, aftermarket auto parts for your car or truck from our warehouse to your doorstep at the lowest possible price.

    Buy Your Car Parts Online With Confidence From Prime Choice Auto Parts!

    Our Auto Parts Specialists are ready to help you

    Cleveland, Ohio Auto Loan Rates, New Car Loan Rates, Used Car Loan Rates #auto #sales


    #used auto loan
    #

    Search and Compare New & Used Car Loan Rates in Cleveland, OH

    Range: 3.08%-3.78%; additional .25% disc available w/auto debit; $165 fee

    If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you, please click here.

    Auto Loan Rates in Cleveland, Ohio

    Cleveland, OH Auto Loan Rates. Get Cleveland, OH auto loan rates from several different banks and credit unions in Cleveland, OH. You can search and compare the best Cleveland, OH auto loan rates available using our auto loan rate tables. MonitorBankRates.com has car loan rates for new cars and used cars. Loan terms range from 3 years, 4 years and 5 years.

    New Auto Loan Rates and Used Auto Loan Rates in Cleveland, Ohio

    Auto loan rates in Cleveland, OH will vary depending on several factors, including your credit score and the type of car loan you need. Cleveland, OH used car loan rates tend to be higher than Cleveland, OH new car loan rates. Cleveland, OH bank and credit union auto loan rates tend to be higher for a used auto when buying a car directly from an individual instead of from a car dealer in Cleveland, OH. Not all banks and credit unions in Cleveland, OH offer used auto loans so you’ll have to do some research. You can also find some of the best auto loan rates from Cleveland, OH credit unions.

    Cleveland, Ohio Refinancing Loans

    Some Cleveland, OH banks and credit unions in Cleveland, OH also offer refinance car loans which will allow you to refinance an existing loan. Before you start this process you should find out if refinancing an auto loan is even worth the trouble and the cost. You can use a refinance auto loan calculator to help you make that decision. Surprisingly some banks and credit unions in Cleveland, OH offer bad credit auto loan refinance options. If you have a bad credit history finding a low interest rate won’t be easy.

    Columbus, Ohio Auto Loan Rates, New Car Loan Rates, Used Car Loan Rates #auto #value


    #used auto loan rates
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    Search and Compare New & Used Car Loan Rates in Columbus, OH

    Range: 3.08%-3.78%; additional .25% disc available w/auto debit; $165 fee

    If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you, please click here.

    Auto Loan Rates in Columbus, Ohio

    Columbus, OH Auto Loan Rates. Get Columbus, OH auto loan rates from several different banks and credit unions in Columbus, OH. You can search and compare the best Columbus, OH auto loan rates available using our auto loan rate tables. MonitorBankRates.com has car loan rates for new cars and used cars. Loan terms range from 3 years, 4 years and 5 years.

    New Auto Loan Rates and Used Auto Loan Rates in Columbus, Ohio

    Auto loan rates in Columbus, OH will vary depending on several factors, including your credit score and the type of car loan you need. Columbus, OH used car loan rates tend to be higher than Columbus, OH new car loan rates. Columbus, OH bank and credit union auto loan rates tend to be higher for a used auto when buying a car directly from an individual instead of from a car dealer in Columbus, OH. Not all banks and credit unions in Columbus, OH offer used auto loans so you’ll have to do some research. You can also find some of the best auto loan rates from Columbus, OH credit unions.

    Columbus, Ohio Refinancing Loans

    Some Columbus, OH banks and credit unions in Columbus, OH also offer refinance car loans which will allow you to refinance an existing loan. Before you start this process you should find out if refinancing an auto loan is even worth the trouble and the cost. You can use a refinance auto loan calculator to help you make that decision. Surprisingly some banks and credit unions in Columbus, OH offer bad credit auto loan refinance options. If you have a bad credit history finding a low interest rate won’t be easy.

    Cheapest New Cars #auto #kopen


    #cheap new cars
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    Cheapest New Cars.net

    2012 Toyota Yaris

    The 2012 Toyota Yaris is a refreshed version of this subcompact model. While the model has many changes for 2012 perhaps the biggest change is that the sedan is no longer offered. With the growing sales of hatchbacks and their greater cargo capacity, Toyota has decided to refocus the Yaris as a hatchback only.

    The Yaris comes in thee primary trim lines: L, LE, and SE. The SE trim is offered as a five-door only and has 16” alloy wheels. The L and LE offered three door trims. USB, Bluetooth, and auxiliary connections are standard.

    2012 Changes

    The 2012 Yaris has a sharper exterior with new front and rear fascias and new headlights and taillights. While the 2009-2011 Yaris had an awkward appearance, the 2012 Yaris looks a bit sportier, more along the lines of the new Hyundai Accent hatchback. The model’s height has been lowered by 0.6” inches to improve handling and balance.

    The 2012 Yaris has a new instrument panel and redesigned thee-spoke steering wheel. The wheelbase grows by 1.9” allowing for greater interior room. Cargo room increases by an impressive 25% over the 2011 model. The Yaris also offers an impressive nine airbags standard.

    Engine Fuel Economy

    Toyota seems to be going the way of Honda and making only modest engine changes. The model still has a 1.5-liter 106 horsepower four-cylinder engine.

    The Yaris also retains its antiquated four-speed automatic transmission option (a five-speed manual is standard) while several of its competitors offer six-speed transmissions. Toyota has made the engine lighter and extracted more fuel economy in the Yaris.

    The 2012 Yaris’ fuel economy improves to 30-mpg city and 38-mpg highway with the manual and 30/35 with the automatic, which is comparable to the Honda Fit and Mazda Mazda2. According to Motor Trend. the 2012 Yaris SE has a 0-60 time of 9.1 seconds with the manual.

    Pricing

    The 2012 Toyota Yaris has a starting MSRP of $14,115 with the 3-door L model. The top line Yaris 5-Door SE with the four-speed automatic starts at $17,200. The 2012 Yaris is on sale now.

    Originally posted 2011-12-05 01:19:50. Republished by Blog Post Promoter

    TrueCar – s New CEO Says Top Goal to Be Mending Ties With Dealers – Bloomberg Business #used #autos #for #sale


    #internet auto sales
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    TrueCar’s New CEO Says Top Goal to Be Mending Ties With Dealers

    TrueCar Inc.’s new chief executive officer, Internet auto pioneer Chip Perry, said his top priority for the online vehicle pricing and data provider when he takes over for co-founder Scott Painter next month is to repair relations with car dealers.

    The company has had contentious relations with dealers, which it charges $300 a car or a subscription fee to provide consumer leads that turn into sales in showrooms. In July, TrueCar and AutoNation Inc. the biggest U.S. new-car retailer, ended their agreement after AutoNation decided not to provide data TrueCar required to charge them for its services.

    “Many dealers have had misgivings about working with TrueCar,” Perry said in an interview Monday after his hiring was announced. “My goal is going to be to earn their trust back by listening to them and building their feedback into our future plans.”

    Perry, 62, is taking on the TrueCar job amid the company’s loss of two auto-industry veterans. Larry Dominique, a former Nissan Motor Co. executive, is stepping down as an executive vice president next month and John Krafcik, former head of Hyundai Motor Co.’s U.S. operations, left as president in September to lead Google Inc.’s self-driving car project. Painter will step down as CEO on Dec. 15 and will also resign as chairman and a director, after TrueCar said in August that he would keep the chairman post.

    Perry was the first employee at AutoTrader.com in 1997 and built it into the world’s largest online vehicle marketplace with $1.5 billion in revenue, TrueCar said in a statement. He resigned from AutoTrader in 2013 after it withdrew a plan for an initial public offering. Since July of this year, he has been CEO of RentPath LLC, parent of ApartmentGuide.com and Rent.com.

    “Scott did an amazing job getting TrueCar to this stage and for him to step aside does enable a clean, new chapter to open up,” Perry said. “To be able to signal a clean sheet of paper in terms of how we work with car dealers will be very helpful.”

    TrueCar’s shares gained 5.7 percent to $7.83 at 3:42 p.m. New York time. The Santa Monica, California-based company’s stock slid 68 percent this year through Friday, including a 36 percent plunge on July 24 after cutting its 2015 sales forecast.

    The company may need “some adjustments to the business model” to get its dealer relations and stock price turned around, Perry said. Six million people a month now visit TrueCar’s website and 10,000 dealers a day interact with the company’s marketing tools, he said.

    “We’ll be able to come up with an action plan that works for car dealers and makes TrueCar a friendlier, stronger, better marketing partner,” Perry said.

    He said he plans to begin visiting dealer showrooms in his first week on the job, with AutoNation CEO Mike Jackson one of the first he wants to meet.

    “I’m hoping we can find a way to work together again,” Perry said. “It will be an important priority to build a bridge that AutoNation would be comfortable crossing.”

    Car Loan Options: Used Auto Loans vs. New Car Loans #auto #repairs


    #auto loans
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    Auto Loan: New Used Car Loan Options

    Most people today need a loan when they buy a new or used car and the high cost of many vehicles often means that consumers spend years paying off the auto loan. The average length of a car loan at the start of 2015 was 67 months, about five months longer than it was in 2010.

    The trend is going even longer with 30% of car loans now stretched between 72 and 84 months. The average amount financed in 2015 was $28,711 with average monthly payments of $485, a record high for both length of loan and amount financed.

    Types of Auto Loans

    Not all car loans are alike. The most common types of car loans include:
    • Simple Interest Loans are the most common type of auto financing available. The interest rate is based on the outstanding balance of the loan. Borrowers can save on interest costs by paying more than their standard

    monthly payment.

  • Pre-Computed Loans refer to financing where all interest and principal payments are pre-calculated before the borrower and lender agree and sign the paperwork. Although this loan was widely used in the past, most people don’t opt for this restrictive method of financing because it doesn’t allow for early repayment of the loan.
  • Much more risky is borrowing money based on equity in the car you already own. These car title loans mostly appeal to people who have fallen on hard times and need cash they cannot borrow elsewhere. Interest rates on these short-term loans can be sky-high, and a borrower who fails to pay can find himself deeper in debt and at risk of losing his car.

    Now that you understand the various loan options available for purchasing a car, buyers have a number of potential sources for securing the necessary financing.

    The most common places to secure auto loans are:
    • Banks. Getting financed through a bank is typically the easiest route because commercial and private banks have large pools of capital. A bank could be your best bet if you are looking for the lowest interest rate. Banks can also be a quicker and more convenient source for car loans because they are structured to make a large number of transactions in a short period of time.
    • Credit Unions. These nonprofit organizations can offer competitive interest rates, but you need to be a member to utilize their services. Criteria for membership varies, but credit unions may focus on people who work in specific industries, live in a certain area or belong to a particular group.
    • Car Dealerships. Car dealerships offer financing to help sell cars. They often have established relationships with lenders, which can help you get a loan quickly and without a lot of legwork on your part. Keep in mind, however, that dealers typically make a considerable profit on loans, so it pays to understand the interest rate and other terms being offered.
    • Home Equity Loans. These are an alternative to a traditional auto loan. Financial institutions often lend money to borrowers based on the equity in their homes, called a home equity loan. This money can be used for many purposes but a popular one with many borrowers is buying a new or used vehicle. One particularly attractive feature is that interest on these loans is typically tax-deductible.

    How Does Car Loan Interest Work?

    The typical automobile loan is calculated using simple interest, meaning you pay interest only on the principal owed.

    This is similar to the method used in repaying mortgages and student loans, but vastly different from the method used with credit cards, where compound interest creates a much larger bill for the borrower.

    For example, a simple interest automobile loan of $18,000 at an interest rate of 9.9 percent (typical in 2015 for someone with credit score of 640) would mean monthly payments of $332.55 and cost $23,944 when the loan is paid off.

    Compare that to the same loan, using compound interest. The $18,000 loan would end up costing $32,522. Interest payments alone would be $14,523. That is why credit card debt builds so rapidly and why you should insist on a simple interest loan when buying a car.

    Car Loan Rate Tied To Credit Score

    Your credit score determines how much of the car a lender is willing to finance. You probably have heard advertisements for “zero percent interest” from dealers. They do exist, but you must have a credit score of 750 or higher to get them.

    If you have bad credit (such as a credit score under 550), the best you can hope for is they will finance 80% of the car’s value and you will have to make up the remaining 20% with a down payment.

    Credit scores and interest rates operate in a see-saw fashion on auto loans. As your credit score rises, the interest rate you pay drops. If your credit score drops, the interest rate goes up.

    For example, in 2015, a credit score of 740 would get you a 72-month loan at 2.9%. A credit score 100 points lower (640) and you’ll be paying 9.9%. Drop another 20 points to 620 and the rate goes up to 12.49%.

    To put that in dollar terms, if you finance $18,000 for the car, the difference between a very good credit score (740) and an average score (640) is $4,311 over the life of the loan. The difference between the very good and poor score (620) is $6,035 over the course of six years.

    Car Loan With Bad Credit

    It is not impossible to buy a new car with bad credit, but lending institution can make it very difficult and definitely expensive.

    Lenders know they are at considerable risk by making car loans to people with bad credit or no credit so they take as many steps as possible to minimize the danger. It is not unusual for them to ask for a substantial down payment and charge an interest rate that is at least 10 points higher than someone with good credit pays.

    This allows the banks to get closer to break even if the borrower defaults on the loan two or three years after purchase. A car loan is a secured, which means the vehicle serves as collateral on the debt. If you fail to make your payments, the lender can seize it as payment. This is much safer for the lender than unsecured debt, such as a credit card account. where the lender has only the card-holder’s promise to pay.

    A borrower with bad credit has some financing choices, but they are limited. The borrower’s best recourse is to start with a clean record, meaning pay off any outstanding car loans and other debts before shopping for a new car. That not only improves your credit score, it allows time to save up a down payment. Another option is a shorter loan term. Although the average car loan is 72 months or longer, ask for a 48-month term and the interest rate will drop by a percentage point or two.

    The next possible option is to save until you have a large down payment. If you can cover at least 20-30 percent of the cost with a down payment and take advantage of any dealer incentives and rebates when buying the car, you help avoid being in an upside-down position when financing the car. You may still have to pay double-digit interest rates at the start of a loan, depending on your credit score, but two or three years down the road, you can look for an opportunity to refinance the loan when your credit score has improved.

    If you have poor or no credit you should also consider purchasing a used car that is 1-to-3 years old. You would enjoy a sizeable reduction in price, which means borrowing less and paying less interest in the process. The good news is that interest rates on financing a late model car should be similar, if not exactly the same, as purchasing the car new.

    Negotiating A Better Car Deal

    There may be room to negotiate the final price of the car, but there is little or no room to bargain when it comes to financing the car.

    Smart buyers know their credit score before they start looking for a car and use that information to get pre-approved for a loan from their bank or credit union.

    When you decide the car model you want to buy, it’s possible to take the terms from your bank into the dealership and ask them to beat it, but only if your credit score supports it.

    Most dealerships have relationships of their own with banks and credit unions, but use a customer’s credit score as the measuring stick for what interest rate to charge on the loan. It’s possible there might be a light difference, but seldom enough to change a deal.

    What About Leasing?

    As car costs have risen, leasing has become a popular alternative to buying. In recent years, leases have comprised more than 30% of new vehicle transactions.

    On the surface, leasing and buying with a loan may look similar. Both involve payments over time, but what you are buying is different.

    With a car loan, you eventually will pay off the loan and own the car. Your payments end and you have the option of keeping the car as long as you like — or as long as you can keep it running – or selling it.

    With a lease, you likely will have a lower down payment, lower monthly payments and lower maintenance costs compared to taking out an auto loan. This is part of the appeal of a lease.

    However, at the end of the lease you do not own the car. At this point you have two options: buy the vehicle, which can require taking out a loan, or begin a whole new lease

    U. S. Department of Transportation Unveils New, Free, Online Search Tool for Recalls Using Vehicle Identification Number #quick #auto


    #auto vin check
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    U.S. Department of Transportation Unveils New, Free, Online Search Tool for Recalls Using Vehicle Identification Number

    NHTSA 36-14

    Wednesday, August 20, 2014

    Consumers will be able to tell whether their vehicle or a used vehicle they are considering is at risk due to an uncompleted recall

    WASHINGTON – Every year, millions of vehicles are recalled in the United States due to safety defects or noncompliance with federal safety standards. To help car buyers, owners and renters know that their vehicles are safe and their safety defects have been address, the U.S. Department of Transportation’s National Highway Traffic Safety Administration (NHTSA) today unveiled a new, free, online search tool consumers can use to find out if a vehicle is directly impacted by a recall.

    The new tool is available on www.safercar.gov/vinlookup and provides consumers with a quick and easy way to identify uncompleted recalls by entering their Vehicle Identification Number (VIN). All major light vehicle and motorcycle brands can be searched.

    “Safety is our highest priority, and an informed consumer is one of our strongest allies in ensuring recalled vehicles are repaired,” said U.S. Transportation Secretary Anthony Foxx. “Starting today car owners, shoppers, and renters can find out if a specific vehicle has a safety defect that needs to be fixed – using our free online tool.”

    Also effective today, under the new NHTSA mandate, all major light vehicle and motorcycle manufacturers are required to provide VIN search capability for uncompleted recalls on their own websites. This data must be updated at least weekly. NHTSA’s new VIN look-up tool directly relies on information from all major automakers, and regularly updated information from the automakers is critical to the efficacy of the search tool.

    Consumers can find their vehicle identification number by looking at the dashboard on the driver’s side of the vehicle, or on the driver’s side door on the door post where the door latches when it is closed.

    Determining whether there is a recall that consumers need to take action on is easy. After entering the VIN number into the field, results will appear if the consumer has an open recall on their vehicle, and if there are none, owners will see “No Open Recalls.”

    “Just as every single automaker should never hesitate to recall a defective vehicle, consumers should never hesitate to get their recalled vehicle fixed,” said NHTSA Deputy Administrator David Friedman. “By making individual VIN searches readily available, we’re providing another service to consumers – the peace of mind knowing that the vehicle they own, or that they are thinking of buying or renting, is free of safety defects.”

    Today’s announcement builds on NHTSA’s current efforts to provide consumers with information to help them make informed decisions, including the New Car Assessment Program (NCAP) 5-Star Ratings System, Recall envelope and Safercar mobile apps which provide on-the-spot information on crash protection features, advanced safety features, and recalls on new vehicles and many older models. In addition, NHTSA is working with the National Automobile Dealers Association (NADA) to help ensure that franchise dealerships across the United States become aware of and understand how to use the new VIN search tool.