What – s the Right New Vehicle for Me? Feature – Car and Driver #auto #italia


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What s the Right New Vehicle for Me?

With so many cars on the market, one is perfect for you. But which of the more than 400 choices is it?

Feature

When Car and Driver editors buy cars, emotion often trumps logic. We love performance, so practicality isn t a major consideration. But for many buyers, a car is a rational choice; they buy what they need to transport themselves and their loved ones as safely, comfortably, and cheaply as possible. It s a smarter way to buy, but it isn t any easier. With more than 400 new cars to choose from, how do you pick the right one?

Start by considering a series of questions, but beware: Once you find the car that fulfills your every need, an emotional connection may well form whether you like it or not.

What Kind of Car Do I Need?

Forget the number of models available, the number of body styles alone can be overwhelming: coupes, sedans, station wagons, crossovers, SUVs. How do you decide what you need?

Coupe/ Convertible : If you want a car that makes a statement about you, coupes and convertibles are typically the most expressive designs, but restricted access to the back seat (if the car you are considering even has one) seriously limits their practicality.

Sedan : If there are kids in the picture or in the near-future plan, four doors are a likely requirement. Even if children are small enough to ride comfortably in the back seat of a coupe with any regularity, consider the difficulty of constantly climbing into and out of the back seat to tend to a child before committing to just two doors.

Hatchback : If you add another door bringing the total to five you re looking at hatchbacks and station wagons, which offer SUV-like space without the dynamic and fuel-economy compromises of heavier vehicles. These cars are pariahs in the U.S. market, but many buyers are starting to reconsider, as fluctuating fuel prices and increasing environmental awareness have them thinking twice about crossovers and SUVs. As manufacturers get increasingly creative and design ever more stylish hatchbacks their roofs are sleeker than wagons the market is warming to the segment.

Station Wagon : Station wagons have perhaps the worst reputation of any body style on the market, but we re fighting to change that. They offer the best attributes of a car without the trade-offs of larger crossovers and SUVs. The Mazda 6 wagon actually had more passenger and cargo volume than the Mazda CX-7 crossover, was quicker, and got better fuel economy. It was so immensely unpopular that it was discontinued last year, and a forthcoming CX-7 promises a weaker engine in an effort to reduce fuel consumption.

SUV/Crossover : Jack up the ground clearance of a hatchback or station wagon, and you have a crossover or an SUV. Do you need that ground clearance? Probably not. When was the last time your road didn t get regularly plowed or cleared? Sure, it happens most often to those of us in the northern part of the country, and that s a few times a winter but the fuel-economy penalty of opting for a taller and heavier vehicle is something that affects you every time you start the car.

Of course, the higher seating position of a crossover or SUV is something many people enjoy, for its increased visibility and for the ease of entry and exit as the seat is at a more natural height. But keep in mind that height adds weight, and weight diminishes fuel economy and stability.

Those who tow regularly already know they need something with that capability. But if you need a truck only to tow a few times a year, perhaps renting in those instances is a better alternative to living year round with the fuel-economy penalties of a truck.

Minivan : Those with large families or dreams of such often resist the practicality of the van, but if you routinely haul five or more people, there is no vehicle short of a school bus that will better accommodate six, seven, or eight passengers. A jumbo SUV like a Chevrolet Suburban or Ford Expedition EL has more cargo space, but passengers will find greater comfort in a minivan. A minivan is the perfect family vehicle but normally does without any semblance of soul. A couple of notable exceptions are the Honda Odyssey and the Mazda 5. both of which manage to add an element of driving pleasure to the normally bland family-hauler character.

What Size Car Do I Need?

We say start small. And right off the bat, let s debunk a common myth: Larger vehicles are safer than smaller ones. The safest collision is one you avoid in the first place. Lighter cars are typically more agile and give you a better chance of steering away from a crash rather than gripping the wheel, barreling in, and letting physics punish the other driver.

Before the inevitable If I m going to get T-boned by an idiot in a Navigator, I d rather be in a Silverado than a Mini response, consider that a shorter stopping distance might allow you to come to a complete stop before either car in that scenario ever enters the intersection. Small cars tend to cost less to buy and consume less fuel, too. Driving a smaller, more frugal car makes you look enlightened at least in college towns and northern California.

Also, consider that small cars don t have to be small inside. Thanks to the Manhattan approach of building up instead of out, small cars keep getting more and more spacious. The smallest car currently available in the U.S. is the Smart Fortwo. and it offers headroom within an inch of what you d find in a Cadillac Escalade. Or consider the Nissan Cube. Despite being nearly three feet shorter than the Honda Pilot and weighing almost a ton less, it has more head- and legroom in the front seat, more headroom in the back seat, and only three inches less legroom in the rear. If it s interior space you need, you needn t buy big.

Do I Need All-Wheel Drive?

Probably not. All-wheel drive is seen as a safety feature in wintry climes, but the only difference the average driver will notice with all-wheel drive is the added traction when accelerating. All-wheel drive doesn t increase a vehicle s ability to stop or turn. What most buyers don t realize is just how much difference a set of winter tires can make. And they are cheaper than upgrading to an all-wheel-drive car and won t have the year-round negative impact on your fuel economy that comes with a car having to drive all four wheels all the time.

While we re on the subject, weight does not automatically make a better winter vehicle. Heavy cars and trucks do plow through deep snow better and behave more predictably, but hit a patch of ice, and that weight is just extra momentum to try to control. Again, bigger is not necessarily better.

How Much Power Do I Need?

In our road tests, we always cite 0-to-60-mph times, but the fact is that very few people ever actually use full throttle. Around Ann Arbor, we see more drivers who fear full throttle than those who ever use it. Truck buyers who tow and haul heavy loads need lots of power, but the average car buyer doesn t need any more than is necessary to keep him or her comfortable on a test drive. The buying practice of getting the bigger engine but never using more than half-throttle is like building a four-story house but leaving the top two floors vacant. All else being equal, larger engines use more fuel.

The type of driving you do determines whether or not a hybrid or a diesel makes sense for you. Hybrids tend to use less fuel around town, when low speeds and frequent braking keep them running on battery power longer. Diesel drivers will see their greatest benefits on the highway, although diesel vehicles are more efficient than gasoline cars at low speeds, too.

Either approach will extend your fuel dollar, but be aware of the premiums you ll be paying up front and the distance you ll have to drive to recoup your costs. Of course, that doesn t necessarily have to be a deterrent if you know you ll drive a car more than 60,000 or 100,000 miles, or if you buy a fuel miser on principle.

With a diesel, also be aware of the premium you ll pay for fuel. As this is written, diesel is outpacing gasoline in the U.S. by only about 10 cents per gallon, or five percent a much lower differential than we have seen in the past year. So right now, the 25-to-30-percent benefit most drivers will realize in fuel economy is worth it. But that can change quickly as fuel prices fluctuate.

Could You Please Be More Specific?

For our top choices in every segment the cars we would buy if we were in the market today see our Editors Choice page. Or check out our annual 10Best list of the 10 outstanding cars across all market segments.


Repair or Replace Your Windshield the Right Way #auto #air #filters


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Repair or Replace Your Windshield the Right Way

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When faced with replacing a windshield, many car owners default to the lowest-price option. But if you take this route and are in a serious accident, your decision could cost you your life.

An incorrectly installed windshield could pop out in an accident, allowing the roof to cave in and crush the car’s occupants. Furthermore, when the front airbags deploy, they exert a tremendous force on the windshield and will blow out one that is not firmly glued in place.

“There are a lot of schlock operators” installing windshields, says Debra Levy, president of the Auto Glass Safety Council, which offers certification for installers. She says using original manufacturer’s glass is a plus, but choosing a good installer is even more important. To find a certified shop, visit Safewindshields.org and type your ZIP code into the box at the top of the page. Certification is valuable because it keeps installers up to date on advances in adhesives and changing automotive designs.

David Beck, one of two technicians at Windshield Express. near Salt Lake City, installs eight windshields a day and has been working in the auto glass business for 18 years. Beck agrees that certification is important and warns that there are many “tailgaters” installers with no brick-and-mortar shop who quickly “slam” windshields into cars with little regard for safety. They don’t handle the windshield correctly, don’t use the proper adhesives and leave the car unsafe for driving and prone to rusting and leaks.

“The thing I wish that drivers knew was that the windshield is the No. 1 safety restraint in your vehicle,” Beck says. The windshield is two sheets of glass held together by an inner layer of strong vinyl. When the windshield breaks, the vinyl holds the glass in place rather than allowing the shards to fall into the car and cut the occupants.

The windshield is a layer of protection that “keeps you inside the car and things out of the car,” Beck says. “This is not the place to cut corners on and go with the cheapest price.”

Steve Mazor, the Auto Club of Southern California’s chief automotive engineer, adds that if the windshield isn’t strong enough and an occupant is thrown from a speeding car, “the odds of survival are much less.” Thirty percent of all fatalities, he says, are due to people being ejected from the car.

An investigation by the ABC News program 20/20 on windshield safety shows technicians incorrectly installing windshields by not wearing gloves. The grease from their hands prevents the adhesives from bonding correctly, Beck explains. Another error that 20/20 caught was technicians failing to use all the necessary bonding agents, such as primer.

When you are looking for a good windshield installer, Levy recommends calling three shops and asking a few qualifying questions beyond just price and certification.

Levy says to ask the shops if they use original equipment glass, which is usually of higher quality and fits better. Also, she suggested asking how long the car should sit after the installation is complete. “If they say you can take the car right away, you should run in the opposite direction,” Levy says. A car should sit at least one hour before being driven and sometimes up to 12 hours, she says.

Beck says if you take your car to a dealership for a windshield replacement, it will just subcontract the job to a glass shop and then mark up the price about 30 percent. He recommends going directly to the glass shop to save money. However, when a car is new, the dealership might be the only place to stock the glass, as was the case for a 2011 Infiniti M56 Edmunds long-term test car where the windshield replacement cost $1,300.

Most windshield installation jobs take only about an hour and can be done at your home or office, Beck says. Once the installer is finished, check for signs that the job was completed correctly. Make sure the molding is straight and that there is no sign of adhesives visible inside the car, Beck says. The car should be clean inside. Debris or dirt left in your car could be the sign of sloppy workmanship, he says.

In some cases, a rock chip or star in the windshield can be repaired, saving you the cost of a new windshield. Mazor says some installers claim that cracks can be repaired even if they’re up to 15 inches long, but only if they intersect just one edge of the windshield.

Beck says rock chips, which he also fixes, are easier to repair when the damage has just occurred. Over time, rain washes dirt into the crack, making it harder to seal. He suggests carrying a roll of clear tape in the glove compartment to quickly cover a crack until it can be fixed.

Beck injects polymer into rock chips and cracks. After the polymer cures, he smoothes the area so it doesn’t affect the travel of the windshield wipers. Beck says that if he gets to the repair within a week of the damage, he can generally make it disappear. Windshield Express’ owner, Bryan Petersen says his rate for rock chip repairs is $29.95 for mobile jobs and $19.95 in the shop.

In the Los Angeles area, the rates for windshield repairs are higher in the range of $65. Windshield repair kits are available at automotive stores for the do-it-yourselfer, but they don’t do the job as well as the professionals can do it. The pros have better equipment and much more experience.

The Auto Glass Safety Council’s Levy says studies show that windshield rock chips or cracks that are in your field of vision can actually slow your response to emergency traffic situations. She also says that old windshields that are pitted or hazed should be replaced even if they are not broken since they can magnify the glare of the headlights from oncoming cars at night.

Mazor says that a new windshield might be cheaper than you would think. In many cases, windshield repair is covered by car insurance (under your comprehensive coverage not collision). The deductible for comprehensive coverage is sometimes only $50 or $100, so that would be the cost of a new windshield.


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


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Which Vehicle History Report Is Right for You?

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

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

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

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

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

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

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

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

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

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

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

Test-Driving Vehicle History Reports

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

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

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

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

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

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

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

How To Use Vehicle History Reports

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

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

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


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Ten Questions to Ask Your Potential Lawyer #questions #to #ask #a #lawyer, #choosing #the #right #lawyer, #guide #to #hiring #a #lawyer


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Ten Questions to Ask Your Potential Lawyer

Lawyers will often provide a free or very low-cost consultation to discuss the details of your situation and give you an opportunity to ask some basic questions about the attorney. This meeting should not only help you decide whether to go forward with a lawyer in general, but also whether you should proceed with this lawyer. If you later decide to hire the lawyer, you will go into a more detailed discussion of your case and ask more specific questions along the way.

Generally speaking, you’ll want to have a list of questions in mind to ask during the meeting. Also, you should feel comfortable enough asking questions that relate to the lawyer’s expertise, experience, fees, special knowledge, and management of the case.

Below are ten questions to ask your potential lawyer.

1. How long have you practiced law?

At a minimum, you’ll want to know about the lawyer’s expertise and whether the lawyer is a veteran or beginner attorney, for instance. Your legal issue may very well be handled by someone who is fresh out of law school, (or not). It all depends.

2. What type of cases do you generally handle? What percentage of your practice is devoted to (the practice area in question)?

You’ll also want to know about a lawyer’s expertise and how much of the attorney’s practice is devoted to topic area your legal issue falls within. For example, if you need help with an adoption case, you may wish to seek a family law lawyer who has worked on, well, adoption cases. Click here for a full list of practice area definitions.

3. Who is your typical client?

This is an important, but often-overlooked question. For example, if you are an individual with a particular legal problem, but the attorney your meeting with represents only corporations, this may not be the best lawyer for you. Likewise, you may wish to know the financial background of some of the lawyer’s clients. This is because there may be different issues a lawyer is used to factoring when working with high net-worth individuals vs. college students.

4. How many cases have you represented that were similar to mine?

Now is not the time to act shy. Feel free to ask about the attorney’s track record, such as the number of cases won or settled, for example.

5. Other than a law degree, What kind of special training or knowledge do you have that might apply in my situation?

Some cases, like DUI and patent cases, require specialized training and knowledge for effective representation. Be sure to inquire whether your case fits into that category.

6. What are your attorney fees and costs, and how are they billed? Will a portion or all of my case be handled by paralegals or legal assistants?If so, ask about reduced costs.

This step is obviously an important one. You’ll want to know whether you can afford the lawyer’s services and how you will be required to pay. This is also the time to ask about payment options and how often, and under what circumstances, you will be billed.

7. What is your approach or philosophy to winning or representing a case?

This can be important in two ways. First, if you are seeking an amicable divorce, for example, but the attorney is known to “go for the kill” in divorce cases, the attorney may not be the right one for you. Similarly, if you’re looking for an aggressive attorney to handle an upcoming corporate merger, for example, you’ll want someone who isn’t afraid to push the envelope, so to speak.

8. Are there others ways for solving my legal problem?

Go ahead. Ask the professional whether there are any alternatives for solving your legal problem, such as through arbitration or some other out-of-court arrangement. A good attorney will generally inform you if your case can be handled through other less expensive and time consuming means.

9. How will you let me know what’s happening with my case?

Communication is key when working with a lawyer. Ask the lawyer how often and under what circumstances you will hear from him or her. You’ll want to know how your case is coming along and about other important dates.

10. What is the likely outcome in my case?

Generally speaking, it is fair game to ask the attorney whether you have a good chance of winning your case. You are not looking for the “right” answer, just an honest one. For instance, if you’re facing an uphill battle in, let’s say, a nasty divorce situation, you’ll want to know up front from the attorney so you can prepare yourself for what lies ahead.

While the answers to questions you ask your lawyer will vary widely, it is important to keep in mind that nothing should be taken as a guarantee. Instead, these questions should give you general knowledge of a specific lawyer’s experience and skill-level, and whether the lawyer is a good fit for you.


Selling Yourself: How to Sell Your Car Online, the Right Way – Feature – Car and Driver #best #auto #insurance #companies


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Selling Yourself: How to Offload Your Car Online, The Right Way

July 29, 2015 at 9:20 am by Aaron Robinson | Illustration by Chris Philpot

We are programmed by nature to acquire, which is one reason selling is so much less fun than buying. But almost all automotive love affairs end, and selling a car online painlessly and for the highest price takes some planning and effort. Look at it this way: The extra hour you spend taking good pictures and writing a thorough description for a sales site may net you another $1000 or more. Not bad for an hour’s labor.

Step 1: Pick the right sales venue.

You’d no more list a ’96 Mustang on Hemmings than you would a Bugatti Veyron on Craigslist—unless you wanted to be called by 15,000 bored teenagers. All online classified sites have their weaknesses: eBay’s relentless countdown clock seems to make idiots out of some bidders, who ultimately back out; Cars.com and AutoTrader.com charge and mix you in with a lot of dealer ads; and Craigslist’s free ads mean you’re lost in a tsunami of daily listings. In general, if you are a gambler who abhors personal contact, eBay is for you. If you don’t live in paranoid fear of the public, then Craigslist is a perfect, no-cost outlet. The other sites lie somewhere in between.

Step 2: Take at least 30 pictures.

Good pictures sell cars. Make sure you get all four sides and the roof, and don’t forget the engine, the interior, the odometer, and even the undercarriage. Nobody wants to buy a car covered in cat prints and gardening crap from a dark garage. Drag it out, clean it, and shoot it. Even better, shoot it in the “sweet light” of a nice evening.

Step 3: Write a description.

“Runs xlnt” won’t cut it. Say how long you’ve had it, what work you’ve done, what’s good about it, and also what’s bad. Be honest; the more flaws you include, the more the buyer will trust that you’re not completely clueless or hiding a disaster.

Step 4: Set a price.

eBay’s own research shows that low reserves produce higher sale prices, because once the reserve is met, the bidding takes off. So be brave and don’t use a reserve, or set the reserve at the lowest rock-bottom sum you’ll accept. On a fixed-price site like Craigslist, research what other people are asking for similar cars.

Step 5: Sell!

Put your phone number in the ad. The NSA already has it and nobody else cares. If you are fearful of spam bots, spell it out this way: 55five1two1two. If you’re selling on Craigslist, post the ad on Thursday so it’s not lost in a billion other ads when the weekend arrives. If you’re selling through eBay, end the auction on Sunday evening, when people are sitting around with nothing better to do than look at cars online. Be available to answer your phone, and when the sale is done, be kind to your fellow man and pull down the ad immediately. Then start looking for a new car.


Which Vehicle History Report Is Right for You? #bad #credit #auto #loan


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Which Vehicle History Report Is Right for You?

1 of 4

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

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

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

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

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

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

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

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

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

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

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

Test-Driving Vehicle History Reports

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

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

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

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

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

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

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

How To Use Vehicle History Reports

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

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

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


Auto Insurance Quotes – Find The Policy Right For You #auto #one


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Auto Insurance Savings Tips

How much money do you think you will spend over the course of your lifetime on car insurance? Using the average amount of $1,587 that each American spends on auto insurance annually, we can calculate as follows:

  • If we say on average that we begin paying for car insurance at age 20 and stop at age 80, it comes out to about $95,820 (60 times $1,587).

What if even as little as 10% of that could be saved? That would mean an extra $9,582 in your pocket!

Car insurance is mandatory. Fortunately, you can make car insurance savings a must, also

Following are some areas to consider when you are seeking ways to achieve insurance expense savings while retaining the best protection for your family and vehicles.

Discounts

You might be surprised to learn how many discounts are available on car insurance. Checking with your agent to make sure to take advantage of all that you are qualified for can save big dollars on your policy.

Multi-Policy: If you have an auto, home, boat, or umbrella policy with the same insurance company, you could receive a multi-policy discount. It can add up to 20% off your total policy premium.

Multi-Car: Depending on how many and the types of vehicles, you might be able to take advantage of a multi-car discount.

Safe Driver: If you are a safe driver (meaning no tickets or accidents for the past three years or more), you might be eligible for a safe driver’s discount of up to 5% of your premium.

Anti-Theft Devices: Using a car alarm system may save you a percentage on the comprehensive premium of your policy.

Good Student: Good grades for your high school or college student may save you 15% or more on your car insurance. You will need it to offset the higher rates for younger drivers, especially males under the age of 25.

Senior Citizen: Some companies offer a discount if you are over 65 and have established a good driving record.

Insurance Friendly Occupations: Insurance companies tend to watch statistics very closely. If they see that workers in certain occupations tend to incur fewer losses, they may be inclined to offer a special rate for those professions. For example, if a member of your household who is on the policy is also a teacher, engineer or scientist, you may qualify for a discount.

These are not all of the discounts that are available. So, ask your agent to apply the savings that you are qualified for on your policy right away!

Deductibles

Deductibles are applied to collision and comprehensive coverages. Before the insurance will begin paying out the claim, you will have to pay the deductible. So, if you have a $250 deductible and the repair bill is $1,000, you will pay $250 and the insurance company will pay $750. A deductible can be anywhere from zero to over $2,000. It’s your choice.

The more of the risk you are willing to take on with an increased deductible, the less annual premium you will pay. The difference could be substantial. For example, going from a $500 to a $1,000 deductible could save you up to 30% on the collision (which usually comprises the highest premium component) and comprehensive portions of your policy.

Coverages

When it comes to coverages, there are two that are mandatory—bodily injury and property damage liability. In addition, if you have a brand new car with a loan on it, your finance company may require collision insurance. Other than that, everything else is optional.

For example, towing may cost you $10 per month. Do you really need it? Especially on a new car? Even for an older car, if you are in a wreck, the property damage coverage from the other driver will pay for your vehicle to be towed to a repair shop.

Also, how often do you feel you will have to rent a car because of a collision? If you are hit, the other insurance company will pay for a rental. Plus, many credit cards offer car rental discounts. Consider skipping the car rental coverage.

If your car is an older model and paid off, you might want to consider doing without collision and comprehensive. Look at how much the car might be worth and see if it is even fiscally sound to add those coverages on the policy.

Cars

Certain vehicles cost less to insure. This is because statistically, they have less frequency of submitted claims and a smaller dollar amount of claims paid out.

For example, following are ten cars that are among the cheapest to insure:

  • Buick Lucerne
  • Buick LaCross
  • Toyota Camry
  • Volvo V70
  • Toyota Avalon
  • Mercury Grand Marquis
  • Volvo S80
  • Mini Cooper
  • Volkswagen New Beetle
  • Chevrolet Impala

These cars will cost less to insure than most other models. So, consider the cost of car insurance that you will bear on the car you might buy.

Other Car Insurance Tips

  • Limits: Although the dollar difference might not be great, think about the limits that you want to have on your policy. Instead of 100/300/100 limits for liability and collision, 50/100/50 limits might be less expensive. However, make sure you have enough limits to cover all of your assets.
  • Shopping: If you are going to shop around for anything, shop for auto insurance. The competition for the insurance dollar is so fierce, you will find it time well spent to compare different quotes from different insurance carriers. For the same coverages and deductibles, you might find six-month quotes that vary 10% to 20% among companies.
  • Credit Score: Many car insurance companies in states that allow it, are reviewing credit scores. They have found that individuals who are credit worthy tend to be better drivers. As a result, they may adjust the auto insurance rates accordingly.
  • Professional Organizations: Being a member in an organization such as or AARP or a credit union may also qualify you for discounts on your auto policy.
  • Employers: Sometimes employers will cut a deal with an insurance company to offer special group rates to their employees. Check with your Human Resources department to see if such a deal is available at your workplace.

Scrutinizing and applying all of these auto insurance savings tips can add up to substantial extra dollars for the family coffers!


Advance Discount Auto Parts Florida – Get Cash Right NOW. #auto #world


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Advance Discount Auto Parts Florida

Are you experiencing money problems?

Do you just need a small advance against your pay to tide you over?

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When looking for this type of loan you want the best rates and terms possible, then we can help.

Advance Discount Auto Parts Florida

Are you counting the days until payday? Emergency auto repairs, unexpected bills, and other unplanned expenses can wreak havoc on your finances. There is no need to live with financial stress – a payday loan is an excellent solution for short-term cash flow problems. A payday loan will provide you with cash now, so you can set your worries aside Advance Discount Auto Parts Florida .

In most cases the lenders in our network require you to have a job, possess a bank account, be a U.S. citizen or resident at least 18 years of age, and earn a certain amount of money each month. Our lenders understand that everyone makes mistakes and encounters rough times – you may still be approved for a payday loan even if you have bad credit or a past bankruptcy.

Advance Discount Auto Parts Florida

We use an advanced 256-bit SSL encryption while handling your data. All your private information is kept securely in an encrypted format. More details can be found by reading our privacy policy.

Advance Discount Auto Parts Florida Yes, your personal information is safe. Our site is protected by the best security software available, and all information provided is encrypted during submission.

Our lenders will provide you with a loan up to $1000. The amount loaned depends on the information that you provide.

Receiving the money from your loan is easy- it is deposited right into your bank account.

You can apply for another loan 72 hours after applying for your initial loan. Please be sure to disclose the fact that you have already applied for a loan when working with a lender to obtain a second loan. Advance Discount Auto Parts Florida


Jobs – Salaries after MBA #jobs #after #mba, #salary #after #mba, #job #opportunities #after #mba #how #to #get #the #right #job #after #mba #working #after #mba #job #options #after #mba #right #job #after #management


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Job Opportunities after MBA in India – Career, Scope and Salary

Before jumping to the conclusion that a Masters in Business Administration (MBA) is the right path for you, stop and ask yourself why. The hunky-dory vision of life after MBA may not be so easy after all. Not every management graduate receives a royal welcome. One must have one’s goal in place to be able to establish a solid and successful career after an MBA .

The usual reasons for doing an MBA:

  • It earns you more money
  • It gives you a promotion in your job
  • It helps you quit a job that sucks

But in order to pursue an MBA and to feel truly satisfied by doing so, you must take a more cognitive view:

Why pursue an MBA

  • To launch a progressive career
  • To make a shift in career, if you already are an experienced professional
  • To nurture an innovative outlook
  • To network with the best in the market
  • To add a brand value to yourself
  • To enhance personal growth
  • To start a business/ start-up/ turn entreprenuer
  • To move geographically

Top jobs after an MBA

Once you know why you want an MBA degree, you should be prepared with a knowledge base of jobs that require this degree. Based on that, you may nurture your career interest. Client relations, consulting, business planning, resource or system analysis may be a part of your job profile, but let’s take a more specific view of the job opportunities after an MBA:

  1. Banking Finance : This includes security investment analysis and portfolio management. These jobs, available with banks, security firms, insurance companies, and various financial organizations, require a professional to make right choices about investments. Related job profiles are in Corporate Treasury, Business Operations and Credit Analysis. Such jobs are typically offered by companies such as Goldman Sachs, J.P. Morgan, Nomura, RBS, Barclays etc.

Other job opportunities in banks are for Commercial Banking, Liabilities Product Management, Cards Management, Transaction Banking, Corporate Banking, Compliance, Wholesale Risk, Credit Risk, Relationship Management and Treasury. Banks like ICICI Bank, Yes Bank, Kotak Bank, Axis Bank, State Bank of India, HDFC Bank and RBL hire MBA graduates for such roles.

  • Information System Management : This requires a more technology-focused candidate, day someone with an MBA in Information Systems. Such candidates identify fresh and up-to-date technologies to serve an organization better. They provide a thorough cost analysis for use of the right technology while working with financial and managerial departments.
  • Investment Banking: This is a job in demand. Companies that hire for this role include SBI Capital Markets, Motilal Oswal Bank of America Continuum among many others. The right candidate functions as an underwriter. He/she has to connect investors to fund-needing organizations. The candidate must have the acumen to analyze what fits best for the client. They deal with acquisitions and mergers as well as clients. Other job profiles include those in Treasury, Securities and Investment Management .

    These being the top three options, there are more job opportunities for an MBA graduate :

  • Management Consulting : If you are a problem solver, this is the job that suits you best. A management consultant specifically solves organizational issues, while embracing fresh ideas and new methods of problem-solving. Firms that hire for such roles include Cognizant Business Consulting, Bain (BCC), KPMG, PwC, Infosys Management Consulting, Michael Page, Deloitte, PeopleStrong, Cartesian Consulting many more.
  • Private Equity : Just like investment banking, your investment acumen comes into action in a private equity job profile. Companies that recruit are Religare, Magma Fincorp, DE Shaw, Indiabulls Housing Finance, Kotak Life, Angel Broking, ICICI Prudential Asset Management, Bajaj Finserv, Kotak Wealth Management, JPMorgan Chase, Axis Securities, Fidelity Investments, Fullerton etc.
  • Data analytics: With the digital revolution, making sense out of “big data” is becoming increasingly important for all kinds of businesses be it banking, retail, e-commerce or management. As a result many business schools have now started offering data analytics as an important part of their MBA programs. Companies like Fractal Analytics, LatentView Analytics hire MBA graduates as data scientists or data analysts. ( Also read: Colleges in India offering Business Analytics programs )
  • Entrepreneurship : An MBA enhances your ability to be an entrepreneur. Be a fresh graduate or an experienced professional, choosing your career becomes easy with an MBA in your kitty. ( Also read: 10 Business Schools in India teaching Entrepreneurship )
  • The beautiful entrance to the Indian Institute of Management, Indore; Image Courtesy: byjus.com

    Pay package for MBA graduates from top B-schools

    There has been only a marginal rise in the pay package as reported by the top B-schools in India. Click on each college to know more about their placements. The 2016 pay scale has been illustrated in the table below: