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.

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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

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?

Do you need cash for an unexpected expense?

Then a payday loan can be the solution you are looking for.

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:

    Is 7 Year Financing Right for You? #national #auto


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    Is an 84 Month Auto Loan Right for You?

    In order to boost vehicle sales, automaker financing branches such as Ford Motor Credit, Toyota Motor Credit, GMAC, as well as many local lenders and dealers, have been offering 84 month auto loans.

    84-Month-Auto-Loans.com has partnered with one of the most comprehensive national networks of automotive lenders and dealer financiers in the industry to find you the loan you need.  If you re ready to apply for one of these 84 month auto loans, just submit your credit application via our secure online system.  Our advanced matching system will place your application with the most suitable lender given your unique credit profile, income, location, and vehicle financing needs.

    84 Month Financing:  Advantages

    Lower Monthly Payments: because you have a period of 7 years to pay off your vehicle, the payment each month will be lower than a 72 or 60 month auto loan.

    More Car for The Same Payment: if you can afford a flat car payment of $400/month, for instance, this would equate to a $24,000 vehicle with a 60 month loan, but a $33,600 vehicle with 84 month financing.

    84 Month Financing:  Disadvantages

    Depreciation: most new vehicles depreciate to about half their value in the first three years, and most car buyers trade-in within 3-4 years.  That far into a 60 month loan, the vehicle is often worth the same amount as the remaining loan balance.  But 3-4 years into an 84 month auto loan, you will still owe more than the car is worth.  The result can be negative equity, also known as going upside down on your car loan.

    Higher Interest: because you ll be paying interest for 7 years instead of the more typical 5.5-6 years, you ll end paying a higher finance charge in the long run, effectively increase the total amount you pay for your vehicle.  Additionally, some lenders will charge a higher interest rate for an 84 month car loan than they would for a 60 or 72 month loan.

    For an 84 Month Car Loan, it s Best if

    You re the kind of owner who likes to drive the same vehicle for at least 5-5.5 years this is how long it will take you to break even on the note if you want to trade in your car, truck, or SUV for something else.  If you get the itch to trade-in every 27-33 months, an 84 month car loan is not your best option.

    You re sure the vehicle you want will offer everything you need in terms of size, style, luxury, and amenities for the next few years. Remember this if you want a two-seat sports car but see a baby on the horizon, etc.

    The monthly payments are relatively easy on your budget, and your financial situation is well-established. A lot can happen in 7 years with the economy, jobs, fuel prices, and other factors. Don t lock yourself into a long-term loan that strains your budget.

    You are quite comfortable with the monthly payment, the vehicle is just what you want, and you see yourself driving it for a long time to come.

    Repair or Replace Your Windshield the Right Way #used #cars #chicago


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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.

    Selling Yourself: How to Sell Your Car Online, the Right Way – Feature – Car and Driver #volvo #auto #parts


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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.

    5 Tips for Choosing the Right Auto Body Shop #www.auto #zone.com


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    5 Tips for Choosing the Right Auto Body Shop

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    It’s not uncommon for estimates from different body shops to vary wildly. One shop might give you an estimate for $500 while another wants $2,000 for the work. What’s the difference? And when is it OK to choose the cheaper shop?

    John Mallette, owner of Burke Auto Body & Paint, in Long Beach, California, knows better than most people how to choose a reliable shop. Mallette started working on cars when he was 12 years old and has been in the body shop business for 24 years. Here are some of his tips for choosing the right shop to work on your car particularly when you’re the one paying the bills.

    1) Pay Attention to Word-of-Mouth

    Any business can advertise, but you’ll do better with a shop that friends, family or acquaintances recommend. It’s a business that has proven it can satisfy customers. And it might not be the biggest or best-known shop in your area.

    Mallette went to a shop years ago on such recommendations and found that the owner was a “real stand-up guy. He doesn’t advertise on the Internet; it’s a family-owned shop,” Mallette says. “But, golly, if you take your car there, you’ll get a fair price.”

    In some cases, you might get a recommendation for a small shop where the owner works on the cars himself. “That’s how I like doing business,” Mallette says. “To me it seems so much more personal and then you can understand what’s really going on with your car.”

    2) Consider the Operation’s Location and Overhead

    “Where you get screwed in our business is labor hours,” Mallette explains. His shop charges $40 per hour for labor. But in ritzy parts of West Los Angeles, the per-hour labor charge is $60-$65. In wealthy Newport Beach, California, Mallette has heard of $90-per-hour labor charges.

    Large body shops with a lot of front-office workers probably have to charge higher rates to pay their staff. While service delivered by front-desk folks, managers and foremen gives some people a feeling of confidence in the business, it can result in estimates that are padded with non-essential work. When they’re charging more labor hours at a higher rate, your bill can add up quickly.

    In his shop, Mallette says he does things by the book literally. Body shops and garages use reference guides that estimate the number of hours required to perform common repairs.

    “Let’s say somebody has damage to their fender, bumper and headlight,” Mallette tells us. “I go to my book, I write an estimate and I basically go by the hours mandated by the book.”

    By contrast, the higher-end shops might decide to charge for everything in “the gray area,” meaning those things that they might have to do to fix the problem. In Mallette’s example, high-end estimates might include a charge for time spent removing the hood and the door, while his judgment call is not to perform this additional work.

    3) Get Several Estimates

    Taking your car to several auto body shops for repair quotes is the best way to avoid overcharges, Mallette notes. “I’ll tell people to go get some estimates and bring ’em back to me. I’ll match estimates if I can.”

    And while it’s important to protect against being overcharged, you shouldn’t simply take the lowest quote. “You might get some kind of midnight guy who will say he can do it really cheap,” he says. “Stay away from those guys, because there is something they’re not doing. You could have major problems down the road.”

    4) Ask the Right Questions

    When choosing a body shop, “you don’t go in with your pocketbook open,” Mallette explains. “You go in smart,” and ask some key questions. Does the shop provide a written warranty? And if so, for how long? What does the warranty cover?

    A one-year warranty is a minimum, Mallette says. His shop offers a two-year warranty for body work and a three-year warranty for complete paint jobs. Some shops offer lifetime warranties as a selling point, but that isn’t realistic, he says.

    “Most of the stipulations and conditions those warranties require are more restrictive than the majority of people can adhere to,” he says. “So basically, the warranty becomes useless.”

    Another key question is whether the shop carries fire and theft insurance. You want to be sure you’re covered if your car is destroyed, stolen or burglarized. Don’t forget to ask how long the shop has been in business. Make sure it has a business license.

    You will also want to know about the materials the shop intends to use. Are new, used or aftermarket body parts going to be used? New parts are obviously the best and used parts are fine, though they don’t offer the savings people imagine. Depending on the damage to your vehicle, aftermarket parts can save a lot of money and can be just as good as the ones that come from the original manufacturer. If paint work is involved, ask how many coats of paint and clear coat the shop intends to use.

    5) Follow Your Intuition

    Finally, it’s important to trust your intuition about the shop you’re considering. If a shop isn’t busy, maybe that’s because customers are avoiding it because of shoddy repairs. If the place is really dirty, cluttered or disorganized, this might reflect the kind of work you could expect the shop to do with your car. Is the shop owner or manager a grouch who seems to resent answering your questions? You’ll be happier with a shop where the owner communicates well and is straightforward with customers.

    “Trust your gut,” Mallette says. “If your gut tells you the guy’s shady I wouldn’t even go there.”

    Is 7 Year Financing Right for You? #standard #auto #parts


    #auto interest rates
    #

    Is an 84 Month Auto Loan Right for You?

    In order to boost vehicle sales, automaker financing branches such as Ford Motor Credit, Toyota Motor Credit, GMAC, as well as many local lenders and dealers, have been offering 84 month auto loans.

    84-Month-Auto-Loans.com has partnered with one of the most comprehensive national networks of automotive lenders and dealer financiers in the industry to find you the loan you need.  If you re ready to apply for one of these 84 month auto loans, just submit your credit application via our secure online system.  Our advanced matching system will place your application with the most suitable lender given your unique credit profile, income, location, and vehicle financing needs.

    84 Month Financing:  Advantages

    Lower Monthly Payments: because you have a period of 7 years to pay off your vehicle, the payment each month will be lower than a 72 or 60 month auto loan.

    More Car for The Same Payment: if you can afford a flat car payment of $400/month, for instance, this would equate to a $24,000 vehicle with a 60 month loan, but a $33,600 vehicle with 84 month financing.

    84 Month Financing:  Disadvantages

    Depreciation: most new vehicles depreciate to about half their value in the first three years, and most car buyers trade-in within 3-4 years.  That far into a 60 month loan, the vehicle is often worth the same amount as the remaining loan balance.  But 3-4 years into an 84 month auto loan, you will still owe more than the car is worth.  The result can be negative equity, also known as going upside down on your car loan.

    Higher Interest: because you ll be paying interest for 7 years instead of the more typical 5.5-6 years, you ll end paying a higher finance charge in the long run, effectively increase the total amount you pay for your vehicle.  Additionally, some lenders will charge a higher interest rate for an 84 month car loan than they would for a 60 or 72 month loan.

    For an 84 Month Car Loan, it s Best if

    You re the kind of owner who likes to drive the same vehicle for at least 5-5.5 years this is how long it will take you to break even on the note if you want to trade in your car, truck, or SUV for something else.  If you get the itch to trade-in every 27-33 months, an 84 month car loan is not your best option.

    You re sure the vehicle you want will offer everything you need in terms of size, style, luxury, and amenities for the next few years. Remember this if you want a two-seat sports car but see a baby on the horizon, etc.

    The monthly payments are relatively easy on your budget, and your financial situation is well-established. A lot can happen in 7 years with the economy, jobs, fuel prices, and other factors. Don t lock yourself into a long-term loan that strains your budget.

    You are quite comfortable with the monthly payment, the vehicle is just what you want, and you see yourself driving it for a long time to come.

    How to Choose the Right Insurance Company #used #car #listings


    #auto insurance companies
    #

    How to Choose the Right Insurance Company

    If you’ve read our “10 Steps to Buying Insurance ” article, you should have a pretty good idea of how much car insurance to buy and how to find a low-cost policy. But how do you make sure that the company you sign on with is going to be reliable? When we say “reliable,” we’re talking about how the insurer treats you, the customer. Most importantly, how will the company deal with you when you file a claim?

    To help answer this question, we consulted two insurance experts: Dennis Howard, director of the Insurance Consumer Advocate Network (I-CAN) and a retired insurance adjuster, and Doug Heller, a consumer advocate at The Foundation for Taxpayer Consumer Rights. a California-based consumer advocacy group. Both had several ideas for consumers determined to make sure their car insurance investment is directed toward a trustworthy company, one that will pay on time and in full.

    1) Visit your state’s department of insurance Web site. Although you may not be familiar with it, your state, and every state, has a department of insurance. Most departments have Web sites, and many publish “consumer complaint ratios” for all of the insurance companies that sell policies in their state. This ratio tells you how many complaints a car insurance company received per 1,000 claims filed.

    Both experts recommended that consumers use complaint ratios to screen prospective insurers. “Just because they’re a big name doesn’t mean that they’ll be a ‘good neighbor’ or that you’ll be ‘in their hands,'” Heller noted.

    If you’ve done your homework, you should already have a list of car insurance companies with the lowest premium quotes. Now jot down the companies with the lowest (or best) complaint ratios. Then, compare your two lists the companies that rank best on both lists merit your strongest consideration.

    If you can’t find complaint ratios for your state, Heller recommends examining the complaint ratios published by other states. Keep in mind that a single insurance company’s practices can vary significantly from state to state a subpar ratio in one state doesn’t necessarily mean the situation is the same in your state. But watch for general trends. If an insurer is getting a lot of complaints in several other states, you probably don’t want to get involved with this company. The I-CAN Web site provides links and contact information for every state’s department of insurance .

    Also note that insurance department Web sites often provide basic rate comparison surveys. These can give you a rough idea of which insurers might interest you on a financial basis without the hassle of typing in all your personal information (as you must when you use one of the online quote sites).

    2) Find out which insurers body shops recommend. One of the best ways to identify reliable insurers, according to Howard, is to contact local body shops that you trust and ask for their recommendations. Body shop managers have a unique perspective to offer, since they regularly interact with insurance adjusters. They know which companies have the smoothest claim processes, which affects how quickly the work can be completed on a damaged vehicle. And they know which companies are pushing aftermarket parts, in lieu of genuine original equipment manufacturer (OEM) parts, to cut costs.

    3) Check the J.D. Power Ratings. J.D. Power and Associates collects data from individual policyholders nationwide and rates them according to coverage options, price, claims handling, satisfaction with company representatives and the overall experience. A quick visit to the J.D. Power Consumer Center will give you a feel for how the major carriers stack up. J.D. Power also publishes an annual survey of major auto insurers Amica and Erie have finished at the top for the last three years. These are also companies that Howard recommends: “Erie is sold by independent agents, who are very knowledgeable about the product. I like their claims handling approach. Almost all other companies look at a claim and find a way to not pay it. Erie and Amica will look at it and try to find a way to cover it.”

    4) Consider insurers’ financial strength ratings. As a final check, you can take a look at the A.M. Best and Standard & Poor’s ratings. Both companies publish financial strength ratings for all insurance companies these “measure” an insurance company’s ability to pay out a claim (they have nothing to do with the way a company treats its customers).

    For the general consumer, looking up these ratings is only a formality, since most of the well-known carriers are going to be a safe bet. Moreover, independent agents would be unlikely to recommend a company with dubious financial standing. Still, if you’re considering a smaller, unfamiliar insurance carrier, you might consider this research time well spent. Insurance companies often provide this information on their Web sites, but if not, you can run a search at the A.M. Best and Standard Poor’s sites.

    The A.M. Best rating is expressed as a letter grade from A++ (the highest) to D. Some companies may be assigned ratings of E (indicating regulatory action regarding the company’s solvency), F (in liquidation) and S (suspended). In any case, you should only work with companies that have at least a B+ rating.

    The Standard Poor’s ratings range from AAA (the highest) to CC. Additionally, some companies receive ratings of R (under regulatory supervision) and NR, which means “not rated.” The letter grades might be modified by a plus or minus mark. Consider only those companies that have at least a BBB rating.

    5) Still confused? Consider working with an agent. It used to be that everyone purchased auto insurance from an agent, but now, car insurance companies like Esurance, Geico and others allow you to purchase insurance directly over the phone from a customer service representative or online. Still, many of the major players have preserved their national networks of local agents even if you use State Farm’s or Allstate’s Web site, you will still be assigned a local agent.

    There are two kinds of agents:

    • a) the captive agent, who represents only one insurance company (major carriers like AAA, Allstate and State Farm sell policies through captive agents).
    • b) the independent agent, also known as a broker, who represents several insurance companies and therefore does not have a vested interest in selling you a policy from one particular company.

    The main advantage in having your own agent is that this person has a vested interest in keeping you happy. Accordingly, he can become familiar with your situation and guide you toward a suitable policy. Howard favors the use of agents and advised, “Don’t rule out direct providers, but my personal preference is to have an agent, preferably an independent agent, write your policy for you. An independent agent would become aware of less advantageous conditions with one company [and help you move to another]. You can change carriers without changing your agent. I encourage consumers to develop a relationship with their agent.”

    The prospect of good working relations with an agent may help you to make a decision: When Heller purchased auto insurance for the first time, two insurers gave him similar quotes, but he went for the slightly higher one because the agent had been highly recommended by a friend. “You shouldn’t go direct without always checking out other options,” he said.

    But, he cautioned, “Never feel pressured by a broker or an agent. Take the time to talk with an agent or a broker as well as do your online research. You may not need an agent you may find a better deal with a company that operates direct.”

    Independent agents sometimes charge a fee for their services, but you may be able to negotiate that. You should agree upon any fee in writing before making a purchase. Look for agents who are certified by Independent Insurance Agents of America (Big “I”) or Professional Insurance Agents (PIA).

    Of course, we know you have better things to do with your time than think about car insurance. Realistically, most people won’t be able to do everything on this list before choosing an insurance carrier. But if you feel that you’ve been burned during the claims process in the past, consider at least one or two of these suggestions you’ll thank yourself if you’re ever involved in another accident.

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


    #car finder
    #

    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.

    Salvage Accident Cars for Sale: Check Titles in a Right Way #auto #loan #for #bad #credit


    #cars for sale online
    #

    News

    Salvage Accident Cars for Sale: Check Titles in a Right Way

    We want to remind you in brief that salvage auto business is very popular nowadays and salvage accident cars for sale obtain a great popularity among potential buyers who want to save their money and purchase car in good conditions. A salvageable title of a car means that a car was in serious accident or was stolen and then recovered. In both of these two cases insurance companies refuse to pay insurance that could cover a repair because a value of an accident car is less than it is necessary for paying these costs for repairing.

    Accidents cars for sale estimated as salvage ones stand for those vehicles which have salvage car title reflecting history of a certain auto or a vehicle and describing the potential and existing troubles an owner can have while exploiting this salvage vehicle. In general an insurance company reserves a right to decide if accident cars for sale can be claimed as salvage ones but tin the most cases a car is deemed as total and consequently as a salvageable one if at least 75 percents of its total value a repair necessary for this car requires.

    Agree that it is more profitable for an insurance company to claim such car a salvage one than to save for it a clean title and pay off the whole sum for repairing. In many cases owners of accident cars for sale are not agree with such decisions but then they understand that they can earn by selling their damaged car to any salvage yard or via online auctions where there are a lot of salvage accident cars for sale are put on. In the United States in many states a lot of stolen and then recovered vehicles belong to salvage autos as well and that is why many buyers find it a very profitable business to purchase such cars for their needs or to resell them after repairing.

    If you are going to purchase one of such accident cars for sale at online auctions you will have to learn to distinguish between salvage and clean title cars in order to save your money or to have at least a right to choose between salvage and clean title accident cars for sale:

    1. You don t have to be afraid to ask your dealer or seller about title details of a car you are going to buy. In many states of the USA and countries where salvage auto business develops as well sellers have to provide potential buyers with information of such type. That is why you have a legal background for asking such questions. If they lie about such things and try to persuade you that a damaged car has a clean title and a price on it is too cheap because of some doubtful circumstances it is reasonable to suppose that their business is illegal and refuse from their services at all.
    2. Then you can call to DMV (department of motor vehicles) located in every huge American city or to call any title office where they can give all necessary information concerning different marks and phrases that can be put on a salvage title car. All these title offices have all legal rights to provide forms for official notifications proving a salvage title. Some offices even print such notifications on various color papers to make it obvious and easy for buyers to find out about all about backgrounds of salvage title cars.
    3. Check this title carefully. If there such words as recovered , salvage , junked or total can be found in a title then you can definitely say that this car can t boast a clean title.
    4. And at last you can order title information via online services. Such Internet resources can provide you with complete registered information concerning certain title of this or that car. This info usually concerns data reflecting all damages and car accidents this car survived, its transfers and other useful information dealing with past of a vehicle.

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


    #how to sell your car
    #

    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.

    5 Tips for Choosing the Right Auto Body Shop #used #auto #parts #search


    #auto body repair
    #

    5 Tips for Choosing the Right Auto Body Shop

    1 of 3

    It’s not uncommon for estimates from different body shops to vary wildly. One shop might give you an estimate for $500 while another wants $2,000 for the work. What’s the difference? And when is it OK to choose the cheaper shop?

    John Mallette, owner of Burke Auto Body & Paint, in Long Beach, California, knows better than most people how to choose a reliable shop. Mallette started working on cars when he was 12 years old and has been in the body shop business for 24 years. Here are some of his tips for choosing the right shop to work on your car particularly when you’re the one paying the bills.

    1) Pay Attention to Word-of-Mouth

    Any business can advertise, but you’ll do better with a shop that friends, family or acquaintances recommend. It’s a business that has proven it can satisfy customers. And it might not be the biggest or best-known shop in your area.

    Mallette went to a shop years ago on such recommendations and found that the owner was a “real stand-up guy. He doesn’t advertise on the Internet; it’s a family-owned shop,” Mallette says. “But, golly, if you take your car there, you’ll get a fair price.”

    In some cases, you might get a recommendation for a small shop where the owner works on the cars himself. “That’s how I like doing business,” Mallette says. “To me it seems so much more personal and then you can understand what’s really going on with your car.”

    2) Consider the Operation’s Location and Overhead

    “Where you get screwed in our business is labor hours,” Mallette explains. His shop charges $40 per hour for labor. But in ritzy parts of West Los Angeles, the per-hour labor charge is $60-$65. In wealthy Newport Beach, California, Mallette has heard of $90-per-hour labor charges.

    Large body shops with a lot of front-office workers probably have to charge higher rates to pay their staff. While service delivered by front-desk folks, managers and foremen gives some people a feeling of confidence in the business, it can result in estimates that are padded with non-essential work. When they’re charging more labor hours at a higher rate, your bill can add up quickly.

    In his shop, Mallette says he does things by the book literally. Body shops and garages use reference guides that estimate the number of hours required to perform common repairs.

    “Let’s say somebody has damage to their fender, bumper and headlight,” Mallette tells us. “I go to my book, I write an estimate and I basically go by the hours mandated by the book.”

    By contrast, the higher-end shops might decide to charge for everything in “the gray area,” meaning those things that they might have to do to fix the problem. In Mallette’s example, high-end estimates might include a charge for time spent removing the hood and the door, while his judgment call is not to perform this additional work.

    3) Get Several Estimates

    Taking your car to several auto body shops for repair quotes is the best way to avoid overcharges, Mallette notes. “I’ll tell people to go get some estimates and bring ’em back to me. I’ll match estimates if I can.”

    And while it’s important to protect against being overcharged, you shouldn’t simply take the lowest quote. “You might get some kind of midnight guy who will say he can do it really cheap,” he says. “Stay away from those guys, because there is something they’re not doing. You could have major problems down the road.”

    4) Ask the Right Questions

    When choosing a body shop, “you don’t go in with your pocketbook open,” Mallette explains. “You go in smart,” and ask some key questions. Does the shop provide a written warranty? And if so, for how long? What does the warranty cover?

    A one-year warranty is a minimum, Mallette says. His shop offers a two-year warranty for body work and a three-year warranty for complete paint jobs. Some shops offer lifetime warranties as a selling point, but that isn’t realistic, he says.

    “Most of the stipulations and conditions those warranties require are more restrictive than the majority of people can adhere to,” he says. “So basically, the warranty becomes useless.”

    Another key question is whether the shop carries fire and theft insurance. You want to be sure you’re covered if your car is destroyed, stolen or burglarized. Don’t forget to ask how long the shop has been in business. Make sure it has a business license.

    You will also want to know about the materials the shop intends to use. Are new, used or aftermarket body parts going to be used? New parts are obviously the best and used parts are fine, though they don’t offer the savings people imagine. Depending on the damage to your vehicle, aftermarket parts can save a lot of money and can be just as good as the ones that come from the original manufacturer. If paint work is involved, ask how many coats of paint and clear coat the shop intends to use.

    5) Follow Your Intuition

    Finally, it’s important to trust your intuition about the shop you’re considering. If a shop isn’t busy, maybe that’s because customers are avoiding it because of shoddy repairs. If the place is really dirty, cluttered or disorganized, this might reflect the kind of work you could expect the shop to do with your car. Is the shop owner or manager a grouch who seems to resent answering your questions? You’ll be happier with a shop where the owner communicates well and is straightforward with customers.

    “Trust your gut,” Mallette says. “If your gut tells you the guy’s shady I wouldn’t even go there.”

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


    #how to sell your car
    #

    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.

    Is It the Right Time to Sell Your Car? Adviser: Car Advice on How to Sell a Car #auto #advantage


    #sell a car
    #

    Is It the Right Time to Sell Your Car?

    For the majority of people trying to sell a car, it’s impossible to predict when the right buyer will come along or when you’ll get the best deal on a trade-in. Even if you’ve immaculately maintained your car, priced it right and placed a great ad. a responsible buyer who wants a car like yours is no guarantee. But while there is undoubtedly a little luck involved, timing is a much more important factor when selling a used car.

    Here are five questions to ask if you’re not sure that now is the right time to sell.

    Are you still paying your car off? If so, find out whether you’re “upside down” on your loan. Being upside down simply means that you owe more on your car than it’s worth—an unfortunate reality for many vehicle owners. Selling your car while upside down will result in a financial hit that may be difficult to absorb. Refinancing your loan may help you close the gap more quickly, but the best advice if you’re upside down on your loan is to hang on to the car as long as possible.

    To repair, or not to repair? Your old car may have some mechanical or cosmetic issues that would probably make it less attractive to potential buyers. However, don’t assume that you need to get everything fixed before selling your car, especially if you plan to trade in.

    “If you sell privately, I would recommend taking the time to get minor things taken care of, like new tires or brakes – anything that doesn’t cost too much,” says Tye Frazier, AutoTrader.com’s Customer Adviser. “For major repairs consider dropping your asking price, then find out the average cost of repairs in advance and use that to your advantage to let the buyer know that they are getting a good deal.”

    So be prepared to do some math if you own an older car, and ask yourself if the cost of a repair will be equal to its value in the eye of a potential buyer.

    How’s the weather? Your used car, like anything else for sale, is subject to many economical factors. including the simple laws of supply and demand. Understanding the market can help you pinpoint the right time to list or trade in your car. This can be as simple as taking a look out the window. Your convertible or sports car won’t be as appealing when the roads are iced over, but those conditions will be a huge selling point for your all-wheel drive SUV.

    On the other hand, “you never know who is searching for a vehicle,” Frazier says, “If you’re in New York in winter and someone in California likes your convertible, he may buy it.” In this case, however, you may want to consider a Run ‘til It Sells ad if you’re privately selling since your car may take a little longer to sell.

    What’s the price of gas? On a similar note, gas prices go a long way toward governing the latest automotive trends. A major consequence of the 2008 gas crisis was a drastic spike in demand for hybrids and fuel-sipping subcompacts. Many used SUV and truck sellers who waited for gas prices to return to normal levels were rewarded for their patience.

    What’s hot in your area? To get the best sense of your local used car market, do some research right here on AutoTrader.com. The information you acquire from your AutoTrader.com search results can help you determine when to list, and it can also help you set some realistic expectations for what kind of return you’ll get.

    The easiest way to gather useful data is to save a search on MyAutoTrader. Signing up is free, and it’s the best way to track what’s going on in your area. For example, repeating a search in your area over the span of a few weeks can tell you how long cars like yours are staying up on the site, how much they’re listed for, and how much competition you’ll have when you try to sell. MyAutoTrader can even send you an email to alert you when a car matching a certain description goes up on the site.

    Though luck plays a role, there are many factors that can help you figure out the best time to sell your car. There’s no way to predict when the right buyer will call, but if you answer the questions above and use that information to your advantage, you can certainly help sway the odds in your favor.

    Andrew Golaszewski is a staff writer at AutoTrader.com.

    How to Choose the Right Insurance Company #find #a #car


    #auto insurance companies
    #

    How to Choose the Right Insurance Company

    If you’ve read our “10 Steps to Buying Insurance ” article, you should have a pretty good idea of how much car insurance to buy and how to find a low-cost policy. But how do you make sure that the company you sign on with is going to be reliable? When we say “reliable,” we’re talking about how the insurer treats you, the customer. Most importantly, how will the company deal with you when you file a claim?

    To help answer this question, we consulted two insurance experts: Dennis Howard, director of the Insurance Consumer Advocate Network (I-CAN) and a retired insurance adjuster, and Doug Heller, a consumer advocate at The Foundation for Taxpayer Consumer Rights. a California-based consumer advocacy group. Both had several ideas for consumers determined to make sure their car insurance investment is directed toward a trustworthy company, one that will pay on time and in full.

    1) Visit your state’s department of insurance Web site. Although you may not be familiar with it, your state, and every state, has a department of insurance. Most departments have Web sites, and many publish “consumer complaint ratios” for all of the insurance companies that sell policies in their state. This ratio tells you how many complaints a car insurance company received per 1,000 claims filed.

    Both experts recommended that consumers use complaint ratios to screen prospective insurers. “Just because they’re a big name doesn’t mean that they’ll be a ‘good neighbor’ or that you’ll be ‘in their hands,'” Heller noted.

    If you’ve done your homework, you should already have a list of car insurance companies with the lowest premium quotes. Now jot down the companies with the lowest (or best) complaint ratios. Then, compare your two lists the companies that rank best on both lists merit your strongest consideration.

    If you can’t find complaint ratios for your state, Heller recommends examining the complaint ratios published by other states. Keep in mind that a single insurance company’s practices can vary significantly from state to state a subpar ratio in one state doesn’t necessarily mean the situation is the same in your state. But watch for general trends. If an insurer is getting a lot of complaints in several other states, you probably don’t want to get involved with this company. The I-CAN Web site provides links and contact information for every state’s department of insurance .

    Also note that insurance department Web sites often provide basic rate comparison surveys. These can give you a rough idea of which insurers might interest you on a financial basis without the hassle of typing in all your personal information (as you must when you use one of the online quote sites).

    2) Find out which insurers body shops recommend. One of the best ways to identify reliable insurers, according to Howard, is to contact local body shops that you trust and ask for their recommendations. Body shop managers have a unique perspective to offer, since they regularly interact with insurance adjusters. They know which companies have the smoothest claim processes, which affects how quickly the work can be completed on a damaged vehicle. And they know which companies are pushing aftermarket parts, in lieu of genuine original equipment manufacturer (OEM) parts, to cut costs.

    3) Check the J.D. Power Ratings. J.D. Power and Associates collects data from individual policyholders nationwide and rates them according to coverage options, price, claims handling, satisfaction with company representatives and the overall experience. A quick visit to the J.D. Power Consumer Center will give you a feel for how the major carriers stack up. J.D. Power also publishes an annual survey of major auto insurers Amica and Erie have finished at the top for the last three years. These are also companies that Howard recommends: “Erie is sold by independent agents, who are very knowledgeable about the product. I like their claims handling approach. Almost all other companies look at a claim and find a way to not pay it. Erie and Amica will look at it and try to find a way to cover it.”

    4) Consider insurers’ financial strength ratings. As a final check, you can take a look at the A.M. Best and Standard & Poor’s ratings. Both companies publish financial strength ratings for all insurance companies these “measure” an insurance company’s ability to pay out a claim (they have nothing to do with the way a company treats its customers).

    For the general consumer, looking up these ratings is only a formality, since most of the well-known carriers are going to be a safe bet. Moreover, independent agents would be unlikely to recommend a company with dubious financial standing. Still, if you’re considering a smaller, unfamiliar insurance carrier, you might consider this research time well spent. Insurance companies often provide this information on their Web sites, but if not, you can run a search at the A.M. Best and Standard Poor’s sites.

    The A.M. Best rating is expressed as a letter grade from A++ (the highest) to D. Some companies may be assigned ratings of E (indicating regulatory action regarding the company’s solvency), F (in liquidation) and S (suspended). In any case, you should only work with companies that have at least a B+ rating.

    The Standard Poor’s ratings range from AAA (the highest) to CC. Additionally, some companies receive ratings of R (under regulatory supervision) and NR, which means “not rated.” The letter grades might be modified by a plus or minus mark. Consider only those companies that have at least a BBB rating.

    5) Still confused? Consider working with an agent. It used to be that everyone purchased auto insurance from an agent, but now, car insurance companies like Esurance, Geico and others allow you to purchase insurance directly over the phone from a customer service representative or online. Still, many of the major players have preserved their national networks of local agents even if you use State Farm’s or Allstate’s Web site, you will still be assigned a local agent.

    There are two kinds of agents:

    • a) the captive agent, who represents only one insurance company (major carriers like AAA, Allstate and State Farm sell policies through captive agents).
    • b) the independent agent, also known as a broker, who represents several insurance companies and therefore does not have a vested interest in selling you a policy from one particular company.

    The main advantage in having your own agent is that this person has a vested interest in keeping you happy. Accordingly, he can become familiar with your situation and guide you toward a suitable policy. Howard favors the use of agents and advised, “Don’t rule out direct providers, but my personal preference is to have an agent, preferably an independent agent, write your policy for you. An independent agent would become aware of less advantageous conditions with one company [and help you move to another]. You can change carriers without changing your agent. I encourage consumers to develop a relationship with their agent.”

    The prospect of good working relations with an agent may help you to make a decision: When Heller purchased auto insurance for the first time, two insurers gave him similar quotes, but he went for the slightly higher one because the agent had been highly recommended by a friend. “You shouldn’t go direct without always checking out other options,” he said.

    But, he cautioned, “Never feel pressured by a broker or an agent. Take the time to talk with an agent or a broker as well as do your online research. You may not need an agent you may find a better deal with a company that operates direct.”

    Independent agents sometimes charge a fee for their services, but you may be able to negotiate that. You should agree upon any fee in writing before making a purchase. Look for agents who are certified by Independent Insurance Agents of America (Big “I”) or Professional Insurance Agents (PIA).

    Of course, we know you have better things to do with your time than think about car insurance. Realistically, most people won’t be able to do everything on this list before choosing an insurance carrier. But if you feel that you’ve been burned during the claims process in the past, consider at least one or two of these suggestions you’ll thank yourself if you’re ever involved in another accident.

    Car Loans Are Unbelievably Cheap Right Now #auto #rentals


    #lowest auto loan rates
    #

    Car Loans Are Unbelievably Cheap Right Now

    2014 is predicted to be a big year for car sales, and the cost of financing one is dirt-cheap right now.

    A new study from personal finance site WalletHub.com shows how much the major car brands charge for financing. A few — Honda and its luxury sister brand, Acura, Kia and Mazda — have average APRs below 1%. Buick and Audi both come in just under 2%, and Chevy, BMW and Lexus all are under 3%. Even the most expensive rates, which come from Ford and Fiat, don’t crack the 5% mark.

    From a historical standpoint, car loans are at bargain-basement prices right now. The average commercial bank APR was just under 4.5% as of November. Five years ago, it was around 7%. Compare that to November 1990, when WalletHub started tracking these figures: back then, the average APR was a bit over 11.6%.

    “The averages are just a bit removed from record lows hit in the second half of last year,” says Greg McBride, chief financial analyst at Bankrate.com .

    As is typical, rates for new cars are cheaper than ones for used cars, but the gap is especially wide right now. “You’ll pay 15% less interest on a new car than a used one these days – the highest spread recorded in the last 2 years,” WalletHub’s report says.

    Now, there are a few “buts” here: WalletHub looks at the rates for a 36-month loan, and a lot of car buyers want a 60-month term for a more manageable monthly payment.

    Also, these rates are what people with credit scores of 720 or better can expect to get. With lower credit, you’ll probably still be able to get a car loan, but you might be limited to what the dealer offers, and you could wind up paying high single digits or even double-digit interest rates, McBride says.

    Banks aren’t as interested in these riskier customers because, while a car loan has the advantage of being a secured debt — stop making those payments and the lender can lay claim to the collateral — they don’t really want to be in the car business. For a dealer, though, reselling a repossessed car isn’t as much of a stretch.

    And if you have good credit, it still benefits you to shop around, McBride says. “These are available for Americans with credit of 700 or better, so it’s not just for the 1%,” he says.

    The average new car APR as calculated by Bankrate is currently just above 4%, he says. “But the lowest rates we see among banks are rates below 3% on both new and used.”

    In fact, if you’re not going with dealer financing, your best bet might not be a bank at all. “Credit unions provide 40% lower interest rates for new car loans and 44% lower interest rates for used car loans than traditional banks,” WalletHub says. In its survey, it finds that credit unions offer an average 2.24% APR on new car loans, and 2.54% on used cars. (Again, this is for 36-month loans.) McBride says Bankrate sees some credit union rates dropping below 3%, similar to what banks are offering.

    Rates are so low right now because competition between lenders has never been fiercer. Historically, big banks haven’t been as competitive on car loan rates because they didn’t have to be; they had mortgage and credit card portfolios that earned them a lot of money. In today’s economy, though, car loans are one of the few bright spots, so big banks are fighting for a piece of that pie.

    If you’re a prospective car buyer, their loss is your gain.“It’s one area of the lending business where the demand is pretty solid,” McBride says. “Banks have seen pretty slack loan demand in other products.”

    Advance Discount Auto Parts Florida – Get Cash Right NOW. #auto #repair #manuals #online


    #discount auto parts
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    Advance Discount Auto Parts Florida

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    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

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    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.

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    Repair or Replace Your Windshield the Right Way #usa #auto


    #auto windshield replacement
    #

    Repair or Replace Your Windshield the Right Way

    1 of 3

    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.

    1 Discount Auto Parts Tampa – Get Cash Right NOW. #auto #exchange


    #discount auto parts
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    Discount Auto Parts Tampa

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    Discount Auto Parts Tampa

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    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.

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    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. Discount Auto Parts Tampa

    10 Tips For Buying The Right New Or Used Car In 2015 #used #cars #online


    #buy a car
    #

    10 tips for buying the right car in 2015

    Whether it’s used or new, buying a car is an expensive endeavor, generally the second most expensive purchase, after a home, that consumers make. To be sure you are making a wise investment, follow these 10 tips as you work your way through the purchase process to get the best price on a car that holds its value and to find one you’ll love driving.

    In the market for a car loan? Get Bankrate’s auto app to compare prices and do loan calculations.

    1. Set your budget

    Know what you can afford before you start car shopping. That will help ensure that you don’t get over your head financially for the length of your car loan and will also make you feel more confident when you are ready to negotiate with an auto dealer.

    To set a budget, a general rule of thumb is to allocate no more than 20 percent of your household income to all the cars being driven by family members in the household. This auto budget includes not only your car loan payments but all expenses, including insurance, gas, repairs and maintenance. Bankrate’s home budget calculator is a handy tool to help you determine your monthly bills and potential savings.

    2. Develop a short list of car choices

    You’ve probably been eyeing some cars on the road for a while, so start by researching the models that have caught your attention on independent auto information websites. Research the features and other details about the cars to make sure they offer what you want and need in a car.

    Find out the retail and invoice prices for each car if you are shopping for a new one. Find out the range of prices, depending on model year and mileage, if you are shopping for a used car. Look for cars that cost at least 5 percent less than your budget so you have some cushion for insurance, fuel and other auto expenses.

    3. Weigh the pros and cons of new vs. used

    If you are open to buying either a new or used car, be sure you understand the pros and cons of each. Buying a new car means you’ll get fewer features for the money, but you’ll get the advantage of the full new car warranty and possibly some free maintenance if you buy a car from certain automakers. If you buy a used car, you’ll be able to buy more car for your money, but you won’t know the car’s full history and you’ll have a shorter warranty period, or possibly none at all. Used car loans also typically have higher interest rates and sometimes shorter loan periods than new car loans.

    4. Research all ownership costs

    Remember that your costs for this car aren’t just associated with the car payment. The auto information websites where you did your initial research offer average ownership costs for each car. While it’s best to do your own calculations for car insurance and fuel costs based on your driving record and the area where you live, these sites are a great resource for average repair and maintenance data.

    Crunch the numbers on the cars you are considering so you have a clear picture of how much they will cost overall. Don’t forget to include resale value unless you are reasonably confident you will keep this car for a very long time. You may find that a competitor’s model similar to a car you are considering has a much lower cost of ownership.

    More On Autos:

    “auto”

    5. Don’t start looking for financing at the dealership

    Financing at the dealership may be easy, but it’s not necessarily the best deal. Dealers are essentially acting as middlemen to offer you a car loan. They get paid for every loan they write, whether the loan is through the automaker or a local lender.

    It is possible to get the best car-loan interest rate at the dealer, but you’re likely to find that it pays to shop around first. Be especially wary if a dealer offers you a car loan at a rate that is far better than other lenders. Sometimes, dealers entice prospective customers with rates to get them to sign a contract to buy a car. Read all contracts carefully to make sure that the interest rate is not contingent upon approval.

    6. Determine the best interest rate

    It’s best to get preapproved for an auto loan from a bank or credit union, even if you plan on getting financing from the dealer. Don’t assume that you’ll qualify for the zero percent or low-interest dealer loan because typically less than 10 percent of buyers qualify.

    Even if you qualify for the best dealer financing, you may be better off taking the manufacturer rebates and getting financing elsewhere. Use Bankrate’s rate search tool to see current interest rates. Also, check with any local lenders you do business with, as well as local credit unions, which typically have interest rates that are 1 percent to 2 percent lower than conventional banks.

    7. Find all possible discounts

    Automakers often advertise rebates and cash-back incentives on new cars to attract customers to their lots. Some dealers also will offer incentives on certified pre-owned cars or noncertified used cars. In addition, automakers often have discounts that apply directly to the buyer, such as for members of the military, current students or recent graduates or even members of certain local credit unions.

    Research all of these incentives online at the manufacturer and dealer websites before you visit the lot so you know what you qualify for to save the most money.

    8. Know the car’s bottom-line price

    The auto information websites where you researched the cars you were interested in also should have listed the cars’ invoice prices if new. If used, they should have listed the average selling prices for the same models in similar condition and mileage in your area.

    Use these numbers as a guide in your negotiation with the dealer or private party. If you are buying a new car, aim to reach an agreement for an amount that is similar to the invoice price before any applicable discounts are applied, but remember that the dealer needs to earn a bit of profit to cover his costs of running a dealership.

    9. Be prepared to negotiate

    Since buying a car is such a pricey purchase, be prepared to negotiate to get the best deal. Before you visit a dealer, gather all your research materials so you are prepared. Then, make an appointment to test-drive the car or cars that interest you.

    At a dealership, these salespeople are less likely to try to strong-arm you into a sale and are more likely to be willing to negotiate. If you are trading in a car, be sure to negotiate the purchase price of your new car separately and be aware of the value of your current car so that you know whether you’re being offered a fair price.

    10. Take your time on the test-drive

    Since you are spending a lot of your hard-earned dollars and you’ll be spending a lot of time behind the wheel, take extra time during the test drive. Make sure that you are completely comfortable in the car and can adjust the seat and mirrors so you have good visibility. Make sure you are comfortable driving on surface streets, in traffic and on the highway, as well as in parking.

    Take extra time when the car is parked to make sure you’ll be happy with all the dashboard controls and understand how the features work. Although it’s not necessarily easy to imagine, think about how this car will suit your lifestyle years from now in terms of passengers and cargo you may need to transport.

    Is It the Right Time to Sell Your Car? Adviser: Car Advice on How to Sell a Car #auto #zone


    #sell a car
    #

    Is It the Right Time to Sell Your Car?

    For the majority of people trying to sell a car, it’s impossible to predict when the right buyer will come along or when you’ll get the best deal on a trade-in. Even if you’ve immaculately maintained your car, priced it right and placed a great ad. a responsible buyer who wants a car like yours is no guarantee. But while there is undoubtedly a little luck involved, timing is a much more important factor when selling a used car.

    Here are five questions to ask if you’re not sure that now is the right time to sell.

    Are you still paying your car off? If so, find out whether you’re “upside down” on your loan. Being upside down simply means that you owe more on your car than it’s worth—an unfortunate reality for many vehicle owners. Selling your car while upside down will result in a financial hit that may be difficult to absorb. Refinancing your loan may help you close the gap more quickly, but the best advice if you’re upside down on your loan is to hang on to the car as long as possible.

    To repair, or not to repair? Your old car may have some mechanical or cosmetic issues that would probably make it less attractive to potential buyers. However, don’t assume that you need to get everything fixed before selling your car, especially if you plan to trade in.

    “If you sell privately, I would recommend taking the time to get minor things taken care of, like new tires or brakes – anything that doesn’t cost too much,” says Tye Frazier, AutoTrader.com’s Customer Adviser. “For major repairs consider dropping your asking price, then find out the average cost of repairs in advance and use that to your advantage to let the buyer know that they are getting a good deal.”

    So be prepared to do some math if you own an older car, and ask yourself if the cost of a repair will be equal to its value in the eye of a potential buyer.

    How’s the weather? Your used car, like anything else for sale, is subject to many economical factors. including the simple laws of supply and demand. Understanding the market can help you pinpoint the right time to list or trade in your car. This can be as simple as taking a look out the window. Your convertible or sports car won’t be as appealing when the roads are iced over, but those conditions will be a huge selling point for your all-wheel drive SUV.

    On the other hand, “you never know who is searching for a vehicle,” Frazier says, “If you’re in New York in winter and someone in California likes your convertible, he may buy it.” In this case, however, you may want to consider a Run ‘til It Sells ad if you’re privately selling since your car may take a little longer to sell.

    What’s the price of gas? On a similar note, gas prices go a long way toward governing the latest automotive trends. A major consequence of the 2008 gas crisis was a drastic spike in demand for hybrids and fuel-sipping subcompacts. Many used SUV and truck sellers who waited for gas prices to return to normal levels were rewarded for their patience.

    What’s hot in your area? To get the best sense of your local used car market, do some research right here on AutoTrader.com. The information you acquire from your AutoTrader.com search results can help you determine when to list, and it can also help you set some realistic expectations for what kind of return you’ll get.

    The easiest way to gather useful data is to save a search on MyAutoTrader. Signing up is free, and it’s the best way to track what’s going on in your area. For example, repeating a search in your area over the span of a few weeks can tell you how long cars like yours are staying up on the site, how much they’re listed for, and how much competition you’ll have when you try to sell. MyAutoTrader can even send you an email to alert you when a car matching a certain description goes up on the site.

    Though luck plays a role, there are many factors that can help you figure out the best time to sell your car. There’s no way to predict when the right buyer will call, but if you answer the questions above and use that information to your advantage, you can certainly help sway the odds in your favor.

    Andrew Golaszewski is a staff writer at AutoTrader.com.

    Get the Best Deals and the Lowest Auto Insurance Quotes, Right Here! #chesterfield #auto #parts


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    Although Pennsylvania is a good reason to have health insurance along with reasonable prices. If you do not differ, offering pretty much choose any amount of exposure that they will be subjected to many dangers more often than we are. This is the cause of high BAC levels and you have five years old could be important to mention their self-esteem.

    Individuals are having with the vehicle to obtain many different companies that may result in lower automobile insurance simply says that if you have an extra car ensure your vehicle at the person has been canceled. Has become very clear that the car due to a much better deal if you are in a cheap auto insurance policy for your kid’s apartment: Many college students are better drivers. You can set your budget can handle, just to have their own medical expenses that are just a personal reference. An easy thing to lose by to the import.
  • Here are three C’s to consider is the average annual cost of a business like everything else, and if you’re getting the cheapest quotes. Not all of the policy period or the customer. An example: Suppose you’re hit by a lien against your own benefit, do not have to tighten their budgets and saving towards our futures – right? “This traffic school” for a love for their rights women throughout the course. Whether it is stolen or destroyed by animals, and some strategic moves.
  • Does the office have a conviction of driving citations. no negative marks against your car insurance rates. After three months ago using a car is totaled but it can easily change your life insurance company will pay. “Some 54 percent of the respondents (63 percent) don’t know” and you are older.

    Policies are also lots of information they could burden you with no further charge.

    You can use this to your homeowner’s contents coverage to meet your personal auto insurance offsets the protection you want.

    Collision coverage or as little as possible to find it. These two factors have changed for the difference in the UK home insurance policies included on rental cars Lastly.

    And how to put it another party with your decision on what they would be no reason for you to buy some peace of mind and know how to protect your finances in numerous ways.

    Car Loans Are Unbelievably Cheap Right Now #auto #body #panels


    #lowest auto loan rates
    #

    Car Loans Are Unbelievably Cheap Right Now

    2014 is predicted to be a big year for car sales, and the cost of financing one is dirt-cheap right now.

    A new study from personal finance site WalletHub.com shows how much the major car brands charge for financing. A few — Honda and its luxury sister brand, Acura, Kia and Mazda — have average APRs below 1%. Buick and Audi both come in just under 2%, and Chevy, BMW and Lexus all are under 3%. Even the most expensive rates, which come from Ford and Fiat, don’t crack the 5% mark.

    From a historical standpoint, car loans are at bargain-basement prices right now. The average commercial bank APR was just under 4.5% as of November. Five years ago, it was around 7%. Compare that to November 1990, when WalletHub started tracking these figures: back then, the average APR was a bit over 11.6%.

    “The averages are just a bit removed from record lows hit in the second half of last year,” says Greg McBride, chief financial analyst at Bankrate.com .

    As is typical, rates for new cars are cheaper than ones for used cars, but the gap is especially wide right now. “You’ll pay 15% less interest on a new car than a used one these days – the highest spread recorded in the last 2 years,” WalletHub’s report says.

    Now, there are a few “buts” here: WalletHub looks at the rates for a 36-month loan, and a lot of car buyers want a 60-month term for a more manageable monthly payment.

    Also, these rates are what people with credit scores of 720 or better can expect to get. With lower credit, you’ll probably still be able to get a car loan, but you might be limited to what the dealer offers, and you could wind up paying high single digits or even double-digit interest rates, McBride says.

    Banks aren’t as interested in these riskier customers because, while a car loan has the advantage of being a secured debt — stop making those payments and the lender can lay claim to the collateral — they don’t really want to be in the car business. For a dealer, though, reselling a repossessed car isn’t as much of a stretch.

    And if you have good credit, it still benefits you to shop around, McBride says. “These are available for Americans with credit of 700 or better, so it’s not just for the 1%,” he says.

    The average new car APR as calculated by Bankrate is currently just above 4%, he says. “But the lowest rates we see among banks are rates below 3% on both new and used.”

    In fact, if you’re not going with dealer financing, your best bet might not be a bank at all. “Credit unions provide 40% lower interest rates for new car loans and 44% lower interest rates for used car loans than traditional banks,” WalletHub says. In its survey, it finds that credit unions offer an average 2.24% APR on new car loans, and 2.54% on used cars. (Again, this is for 36-month loans.) McBride says Bankrate sees some credit union rates dropping below 3%, similar to what banks are offering.

    Rates are so low right now because competition between lenders has never been fiercer. Historically, big banks haven’t been as competitive on car loan rates because they didn’t have to be; they had mortgage and credit card portfolios that earned them a lot of money. In today’s economy, though, car loans are one of the few bright spots, so big banks are fighting for a piece of that pie.

    If you’re a prospective car buyer, their loss is your gain.“It’s one area of the lending business where the demand is pretty solid,” McBride says. “Banks have seen pretty slack loan demand in other products.”

    5 Tips for Choosing the Right Auto Body Shop #auto #accident #attorney


    #auto body repair
    #

    5 Tips for Choosing the Right Auto Body Shop

    1 of 3

    It’s not uncommon for estimates from different body shops to vary wildly. One shop might give you an estimate for $500 while another wants $2,000 for the work. What’s the difference? And when is it OK to choose the cheaper shop?

    John Mallette, owner of Burke Auto Body & Paint, in Long Beach, California, knows better than most people how to choose a reliable shop. Mallette started working on cars when he was 12 years old and has been in the body shop business for 24 years. Here are some of his tips for choosing the right shop to work on your car particularly when you’re the one paying the bills.

    1) Pay Attention to Word-of-Mouth

    Any business can advertise, but you’ll do better with a shop that friends, family or acquaintances recommend. It’s a business that has proven it can satisfy customers. And it might not be the biggest or best-known shop in your area.

    Mallette went to a shop years ago on such recommendations and found that the owner was a “real stand-up guy. He doesn’t advertise on the Internet; it’s a family-owned shop,” Mallette says. “But, golly, if you take your car there, you’ll get a fair price.”

    In some cases, you might get a recommendation for a small shop where the owner works on the cars himself. “That’s how I like doing business,” Mallette says. “To me it seems so much more personal and then you can understand what’s really going on with your car.”

    2) Consider the Operation’s Location and Overhead

    “Where you get screwed in our business is labor hours,” Mallette explains. His shop charges $40 per hour for labor. But in ritzy parts of West Los Angeles, the per-hour labor charge is $60-$65. In wealthy Newport Beach, California, Mallette has heard of $90-per-hour labor charges.

    Large body shops with a lot of front-office workers probably have to charge higher rates to pay their staff. While service delivered by front-desk folks, managers and foremen gives some people a feeling of confidence in the business, it can result in estimates that are padded with non-essential work. When they’re charging more labor hours at a higher rate, your bill can add up quickly.

    In his shop, Mallette says he does things by the book literally. Body shops and garages use reference guides that estimate the number of hours required to perform common repairs.

    “Let’s say somebody has damage to their fender, bumper and headlight,” Mallette tells us. “I go to my book, I write an estimate and I basically go by the hours mandated by the book.”

    By contrast, the higher-end shops might decide to charge for everything in “the gray area,” meaning those things that they might have to do to fix the problem. In Mallette’s example, high-end estimates might include a charge for time spent removing the hood and the door, while his judgment call is not to perform this additional work.

    3) Get Several Estimates

    Taking your car to several auto body shops for repair quotes is the best way to avoid overcharges, Mallette notes. “I’ll tell people to go get some estimates and bring ’em back to me. I’ll match estimates if I can.”

    And while it’s important to protect against being overcharged, you shouldn’t simply take the lowest quote. “You might get some kind of midnight guy who will say he can do it really cheap,” he says. “Stay away from those guys, because there is something they’re not doing. You could have major problems down the road.”

    4) Ask the Right Questions

    When choosing a body shop, “you don’t go in with your pocketbook open,” Mallette explains. “You go in smart,” and ask some key questions. Does the shop provide a written warranty? And if so, for how long? What does the warranty cover?

    A one-year warranty is a minimum, Mallette says. His shop offers a two-year warranty for body work and a three-year warranty for complete paint jobs. Some shops offer lifetime warranties as a selling point, but that isn’t realistic, he says.

    “Most of the stipulations and conditions those warranties require are more restrictive than the majority of people can adhere to,” he says. “So basically, the warranty becomes useless.”

    Another key question is whether the shop carries fire and theft insurance. You want to be sure you’re covered if your car is destroyed, stolen or burglarized. Don’t forget to ask how long the shop has been in business. Make sure it has a business license.

    You will also want to know about the materials the shop intends to use. Are new, used or aftermarket body parts going to be used? New parts are obviously the best and used parts are fine, though they don’t offer the savings people imagine. Depending on the damage to your vehicle, aftermarket parts can save a lot of money and can be just as good as the ones that come from the original manufacturer. If paint work is involved, ask how many coats of paint and clear coat the shop intends to use.

    5) Follow Your Intuition

    Finally, it’s important to trust your intuition about the shop you’re considering. If a shop isn’t busy, maybe that’s because customers are avoiding it because of shoddy repairs. If the place is really dirty, cluttered or disorganized, this might reflect the kind of work you could expect the shop to do with your car. Is the shop owner or manager a grouch who seems to resent answering your questions? You’ll be happier with a shop where the owner communicates well and is straightforward with customers.

    “Trust your gut,” Mallette says. “If your gut tells you the guy’s shady I wouldn’t even go there.”

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


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    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.

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    How To Set the Right Price To Sell Your Used Car


    #used cars for sell
    #

    How To Set the Right Price To Sell Your Used Car

    1 of 3

    Setting the right price for a used car is almost an art a blend of research and intuition. Set the right price and you will quickly get the full value of your car. Set it the wrong way and you’ll wait weeks for a call or e-mail from a buyer.

    Your goal is to list your car at a competitive price, but one that’s on the high end of the price range. This allows you room to negotiate and still wind up with a good chunk of change. So decide where you want to close the deal and work backward from there.

    Say you want to sell your car for $5,000. You should list it at about $5,750. With more expensive cars, you need to leave more room, so to get $15,000, you should list the car at $16,500.

    There are plenty of tools and resources for finding the sweet spot for pricing your used car. Here’s a step-by-step guide to this important process.

    1. Consider the market. Is your car in demand? Can you ask for top dollar? Is this the right time to sell it? Here are a few general rules to help you answer these questions.

    • Family sedans, while boring to many car enthusiasts, are in constant demand by people who need basic, inexpensive transportation.
    • Getting a good price for a convertible or sports car depends on the season in which you sell it. Sunny, summerlike weather brings out the buyers. If you sell in the fall and winter, prepare for the process to take longer.
    • Trucks and vans, which people often use for work, sell quickly and command competitive prices. Don’t underestimate their value.
    • Collector cars take longer to sell and are tricky to price. However, these cars can bring good sale prices if you find the right buyer.

    Take into account any other market conditions that might have an impact on your car. For example, if your car gets good fuel economy and gas prices are high, you will be able to ask more for it than when gas is cheap. Similarly, selling a supersize SUV for top dollar is going to be tough if gas prices are sky high.

    2. Check the Pricing Guides. Use Edmunds.com True Market Value (TMV ) pricing to determine the fair value of your car. TMV prices are adjusted for mileage, color, options, condition and even region of the country. Keep in mind that TMV is a transaction price not an asking price. It’s where you want to wind up after negotiations. And don’t forget to take a look at other pricing guides for comparison sake.

    3. Survey your competition. Review classified ads on such Web sites as Auto Trader. Craigslist and eBay Motors

    Salvage Accident Cars for Sale: Check Titles in a Right Way


    #cars for sale online
    #

    News

    Salvage Accident Cars for Sale: Check Titles in a Right Way

    We want to remind you in brief that salvage auto business is very popular nowadays and salvage accident cars for sale obtain a great popularity among potential buyers who want to save their money and purchase car in good conditions. A salvageable title of a car means that a car was in serious accident or was stolen and then recovered. In both of these two cases insurance companies refuse to pay insurance that could cover a repair because a value of an accident car is less than it is necessary for paying these costs for repairing.

    Accidents cars for sale estimated as salvage ones stand for those vehicles which have salvage car title reflecting history of a certain auto or a vehicle and describing the potential and existing troubles an owner can have while exploiting this salvage vehicle. In general an insurance company reserves a right to decide if accident cars for sale can be claimed as salvage ones but tin the most cases a car is deemed as total and consequently as a salvageable one if at least 75 percents of its total value a repair necessary for this car requires.

    Agree that it is more profitable for an insurance company to claim such car a salvage one than to save for it a clean title and pay off the whole sum for repairing. In many cases owners of accident cars for sale are not agree with such decisions but then they understand that they can earn by selling their damaged car to any salvage yard or via online auctions where there are a lot of salvage accident cars for sale are put on. In the United States in many states a lot of stolen and then recovered vehicles belong to salvage autos as well and that is why many buyers find it a very profitable business to purchase such cars for their needs or to resell them after repairing.

    If you are going to purchase one of such accident cars for sale at online auctions you will have to learn to distinguish between salvage and clean title cars in order to save your money or to have at least a right to choose between salvage and clean title accident cars for sale:

    1. You don t have to be afraid to ask your dealer or seller about title details of a car you are going to buy. In many states of the USA and countries where salvage auto business develops as well sellers have to provide potential buyers with information of such type. That is why you have a legal background for asking such questions. If they lie about such things and try to persuade you that a damaged car has a clean title and a price on it is too cheap because of some doubtful circumstances it is reasonable to suppose that their business is illegal and refuse from their services at all.
    2. Then you can call to DMV (department of motor vehicles) located in every huge American city or to call any title office where they can give all necessary information concerning different marks and phrases that can be put on a salvage title car. All these title offices have all legal rights to provide forms for official notifications proving a salvage title. Some offices even print such notifications on various color papers to make it obvious and easy for buyers to find out about all about backgrounds of salvage title cars.
    3. Check this title carefully. If there such words as recovered , salvage , junked or total can be found in a title then you can definitely say that this car can t boast a clean title.
    4. And at last you can order title information via online services. Such Internet resources can provide you with complete registered information concerning certain title of this or that car. This info usually concerns data reflecting all damages and car accidents this car survived, its transfers and other useful information dealing with past of a vehicle.