How to Get the Best Rate on a Car Loan

How to Get the Best Rate on a Car Loan

Buying a new or used car can be one of the most important purchases for any consumer. A combination of enthusiasm, as well as limited research on the subject, leads to expensive loans that could mean payments exceeding the original value. Several methods give buyers a way of receiving the best possible rates on financing.

 

Consider Long Term Loans

The amount of time schedule for loan repayment can greatly influence prices. A longer period allows financing companies to present lower rates on a wide variety of loans. This is due to the amount of money that they can earn in addition to the original figure. Short term selections do not offer as many possibilities to gain extra income so figures can be significantly higher.

 

Monitor Credit Score

Any applicant is screened through various services that offer information on credit scores. Low numbers can lead to high rates as well as possible denials during application. These reports can vary greatly depending on the agency. Free access to these items is available several times a year for consumers. This is an important step towards maintaining a high score. Many people who share the same name could create confusion leading to false reports that feature greatly reduced scores.

 

Compare Offers

Deals, as well as other offers, provide rates that could significantly lower each payment. Begin by contacting bank and credit agencies to see what is currently available for customers. Certain dealerships may also have financing options that avoid outside companies. This allows them to present unique selections that fit each individual. Locations that give customers the opportunity to buy used cars often showcase their best vehicles with low financing specials. Keep in mind that certain fees could be added to the deal which may lead to more charges later. According to the New York Times, this is becoming a problem for buyers.

 

Small Down Payments

Large down payments are often considered a reason to give customers a higher rate on their loan. Choosing to pay only minimal amounts at the time of purchase allows any financing company to present better deals on their loans. The acceptable down payment varies depending on the make and model. Ask the dealership about their policies concerning this practice before deciding on a figure.

 

Know Current Financial Trends

This may seem like an uncommon addition, but stay informed about current events in the financial markets. Banks, as well as other lending institutions, make any evaluations based on changes in areas such as the stock market. Purchasing at the wrong time could mean higher rates based on unpopular decisions. Many websites provide a wide range of topics on the subject for the timeliest information.

A majority of consumers can save money on an auto loan by finding the best rate. These low figures may come from a variety of sources. Carefully look at each option to ensure it is right for the specific circumstances. Some choices may not be available in all locations due to state laws as well as other issues.

4 Essential Features of a Reliable Car Dealership

4 Essential Features of a Reliable Car Dealership

Car dealerships are all over the place. It is easy to find one in a specific locality. Each motor company launches new cars to cater to the demands of the customers and these showrooms are where one can go buy a car of his/her choice. These dealers also provide service for the brand they deal with.

Dealerships have the great responsibility of satisfying customers on their shoulders. In order to satisfy the customers, they ought to be reliable, and the following points will give you an idea of whether a dealer is reliable or not.

 

  • Total Price of the Vehicle: Often dealers try to fool the customer by listing only the basic cost of the vehicle. They do not include costs like insurance, taxes, and other charges. This gives a false figure in the minds of the customer and when he actually makes the payment, it turns out much more than what was mentioned. This is a major turnoff and should be avoided by a car dealership at all costs. Transparency always plays a key role in building trust with a customer.
  • Proper Advertising: Advertising should be straightforward and intuitive. It should make a long-lasting impact and should be such that the potential customers keep it in their awareness. So, the customer will definitely consider the brand when he makes his next purchase. Also, platforms like YouTube, Facebook and Twitter can be leveraged for advertisement. It is of immense value to see how dealership like Carcraft has its own video online to make more people know about it. YouTube has some videos from Carcraft, which can give you an idea about effective advertising, and taking an innovative approach to reach out to the customers.
  • Test Drives: Provide test-drives, and lots of them. It does not cost much to offer test drives, but the returns of offering test-drive can be tremendously high. It is one opportunity where your sales executive and product can have a long-lasting impact on the customer. You can show off the unique features, take one-on-one feedback and also address concerns of the customer on-the-spot.
  • Polite Sales People Who Do Not Pressurize: The salespeople often try to create pressure on potential buyers to influence them to make the purchase. They often overlook the needs of the customer and tend to push forward something that they want to sell. Managers should try to train their salespeople so that they don’t do such things.

 

When these aspects are taken care of, it ensures that a dealer leaves a positive impact on the customer’s mind. This will ensure that people look out to these dealers when planning to purchase a car. It is not just a one-time purchase, but also a long-term relationship that a customer has with a dealer. There are servicing and lots of other occasions where a customer would want to get in touch with the dealer. So, dealers should look beyond the one-time purchase and aim at building a long-term relationship with customers.

How to Finally Put an End to Your Mobility Issues

How to Finally Put an End to Your Mobility Issues

There are literally millions of people across Australia who have mobility issues, such as being confined to a wheelchair. This typically doesn’t cause any problems on a day-to-day basis, as a person goes about their usual daily tasks, but if someone needs to travel, then problems can quickly arise. This is generally why many people choose to purchase or hire wheelchair vans, as this allows them to travel to their intended destination in comfort, and with as little hassle as possible. However, when it comes to buying or hiring a van, one of the first questions you are likely to be asked is whether you would prefer a van that provides rear entry or side entry. This post compares the two entry methods, thus allowing you to make an informed decision as to which one is best for you.

 

Rear Entry Wheelchair Vans

A rear entry wheelchair van typically has a certain amount of the floor cut out from the rear bumper all the way up to the back of either the middle seats or front seats. This section is usually lower than the rest of the van, thus allowing easy access for those in a wheelchair.

  • You should notice that a rear entry van provides far better ground clearance than a side entry van. This means that you no longer have to worry about cars or other vehicles being parked either side of you, which is the most common type of spaces found in a car park.
  • Entering the vehicle is far easier, as the wheelchair doesn’t need to be turned into a place in order to get into the van. You simply need to place the wheelchair onto the entry point at the back of the van, typically a ramp or lift, and then you can get into the van very easily. This is especially useful for those who require far more legroom.
  • As mentioned, most parking lots have vehicles placed next to each other, which generally leaves very little side room. However, with a rear entry van, this never need be a problem, as cars don’t generally park right behind or in front of each other.

 

Side Entry Wheelchair Vans

A side entry wheelchair van usually has the floor lowered from the back seat all the way to the front of the van. This is far more advantageous for a wheelchair operator who may be driving or looking to sit in the front passenger seat.

  • There are certain locations which require vehicles to parallel-park, thus meaning there is very little space in front of and behind the vehicle. However, this obviously leaves ample room to the sides of the van, so passengers in a wheelchair can easily get in and get out of the van.
  • As mentioned, a side entry van provides far more benefits to someone who wishes to either drive the van or sit in the passenger seat. A rear entry van means that you can only sit in the seats allocated behind the front two seats, thus giving you no access to the driving position.

 

Purchasing your own wheelchair vehicle can prove to be extremely expensive, however, if you are occasionally looking to go on a little adventure then there are plenty of companies which provide affordable wheelchair van rental.

Choose the Right Used Car for Your Needs

Choose the Right Used Car for Your Needs

When you’re in the market for a used car it’s tempting to buy with your heart rather than your head. But in the long term, this can turn out to be a mistake. You can avoid problems by ensuring that you pick the correct car first time. Here are some of the key points you need to consider when buying.

 

What type of car?

The first thing to think about is the type of car you need. Are most of your driving done alone or do you need to carry passengers regularly? How much boot space do you need? Take into account not just the week’s shopping but the demands of any hobbies or pastimes you engage in.

You also need to think about what kind of driving you do. Is it mainly short journeys or do you spend a lot of time on the motorway? Do you need to tow a trailer or a caravan? All of these things will affect the type of car you need. If you do a lot of motorway driving, for example, you may find that a more powerful engine offers better economy as it won’t be working as hard.

When it comes to the economy there are other things to consider too. A diesel car will usually cost more to buy but will repay the difference in fuel bills over high mileage. You need to think about other running costs too, such as road tax, insurance, and servicing bills. Buying an older car may save you money today but cost more in repairs over time. It’s also worth considering resale value. How much will the car be worth when you want to sell it?

 

Buying tips

Most people will buy cars either from a private seller or from a dealer. In either case, you need to check the car’s condition and history and take it for a test drive. If buying privately, make sure you’re insured for this. If you don’t feel confident checking the car yourself, take along someone who knows about cars or pay for an independent inspection. Even if there are no major faults, this may help you to negotiate a better deal.

It’s also worth shopping around and not buying the first car you see. If shopping for the used cars Dundee has to offer, for example, make a shortlist of the ones that meet your needs and look at all of them. When you’re buying second-hand remember that things such as color and trim are less important than the overall condition of the car. Higher mileage isn’t necessarily a bad thing if the car has been well looked after.

If you intend to trade your old car in, make sure you know what it’s worth using one of the printed or online price guides.

Provided you do your homework, buying a car should be a pleasurable experience. If you know what you want and are well prepared, you can be sure you’ll end up with a car that will give you many years of safe and happy motoring.

Four Things You Should Know Before Buying a Caravan

Four Things You Should Know Before Buying a Caravan

Caravans are popular accessories for people of all ages. Anyone can buy a caravan and as long as you have a car suitable for towing it, you can head off into the wild blue yonder at a moment’s notice. Caravans are the ultimate in budget holidays—because your accommodation is already available, you don’t need to worry about spending a fortune on a hotel for the night. You don’t even need to pay the cost of a pitch in a caravan park if you don’t want to, although an electric hook-up and toilet facilities may be useful. So if buying a caravan sounds like a wonderful idea, what do you need to be aware of?

 

Ban the Van

People who own caravans are often strangely passionate about them. They are proud of their mini home on wheels and go out of their way to persuade the rest of us that a caravan is the best thing since sliced bread. But for those poor unfortunate souls stuck behind a slow-moving caravan on miles of winding road, it is hard to be convinced about the merits of a small tin box on wheels. In other words, caravans are like marmite: we love them or hate them. Therefore, if you decide to buy one, don’t be surprised if your choice of transport polarises opinion amongst your friends.

 

Is Your Car Heavy Enough?

Caravans are pretty heavy, which means that you need a decent sized car in order to tow one. Ideally, you should invest in a 4×4 or a large estate car, but the larger the caravan, the more critical the weight issue becomes. If your car is not heavy enough, there is a danger that it will lack sufficient torque to pull the caravan up an incline. The worst case scenario is that the car will be dragged backward by the weight of the van, but even if this doesn’t happen, towing a heavy caravan will place a lot of strain on the engine.

 

D.I.V.O.R.C.E

Spending time in confined spaces is not necessarily a good thing for relationships. Some couples like nothing more than to snuggle up in a small caravan while the rain pours down outside, but others will be at each other’s throats after a day. The moral of this tale is to be very careful about going on a caravan holiday with your other half if there are serious cracks in the relationship. Several days in a small caravan probably won’t help matters.

 

Extra Blankets for Winter

Caravans are great during the summer, but once the temperature drops, the lack of insulation can make life a bit chilly. To prevent hypothermia, you might decide to store your caravan for the winter and holiday somewhere hot instead. Alternatively, buy a top-end caravan with extra insulation and lots of heaters. And don’t forget to pack a few extra blankets, too.

Caravans need regular maintenance if they are to stay in good condition. Small fixes are easy to do as a DIY job and caravan parts are readily available from retailers, but if you are clueless about these things, make sure you take your van in for a service after it comes out of storage.

Great Motorcycle Accessories That You Can’t Live Without!

Great Motorcycle Accessories That You Can’t Live Without!

If you are the proud owner of a motorcycle then you will always be interested in upgrading your existing accessories as well as investing in new ones. Motorbike accessories make life on the open road a whole lot more comfortable as well as safe. The world of motorbike add-ons is always changing, and there are always new things on the market to tempt your eye. In this article, we are going to look at some of the most popular accessories that no serious biker should be without! Read on for more information:

 

Safety Accessories

First and foremost, you are going to want to make sure that you have the most up to date safety accessories. This starts with a helmet of course – and these are getting more and more durable with the advent of technology so it is well worth upgrading yours every year. You will also need leathers if you want to protect your body in the event of a crash, and you’ll also need a pair of leather motorcycle gloves which will protect your hands against the extreme cold. You’ll need a high visibility vest along with some protective knee and elbow pads. There are many different options when it comes to protective clothing, but make sure you choose wisely – you are far more likely to be involved in a road collision than a car driver is so you are very vulnerable on the road.

 

Gadgets

There are plenty of gadgets available on the market for enthusiastic bikers. Firstly, a motorcycle alarm will help to keep your pride and joy safe when you are not around to attend it. It is also possible to have an intercom fitted to your helmet as well as to your passenger’s helmet so that you can carry out conversations as you are traveling. If you really like your gadgets then you’ll love the helmet hanger – a device that sits in your pocket which you can get out and use to hang your helmet on wherever you end up.

 

Side-Cars & Trailers

Motorcycle sidecars have always been popular, especially with men who want to transport their lady around in a little more comfort! There are plenty of different styles and designs on the market, so have a look at all of your options before you decide on a particular one. If you have a lot of things to carry around with you, then look into the possibility of enclosed motorcycle trainers – brilliant for going on long journeys when you need to take more things with you. These are quite easy to come across second hand so keep an eye on local advertising websites and the back of your local paper. Orif you would prefer to buy one new then speak to your local motorcycle dealership.

 

Getting your motorbike all rigged up with all of the accessories that you need is a very exciting thing to do! Make sure you don’t cut any corners, particularly when it comes to safety gear – as you never know when you may be very glad indeed that you invested in it.

Five Reasons Why Your Car Has Died

Five Reasons Why Your Car Has Died

There is any number of reasons why a car might suddenly stop working. Often the cause is related to the fact you haven’t bothered having it serviced in a couple of years, or it is old and past its sell-by date. New cars tend to be more reliable, although don’t assume that you won’t ever have to call out a car recovery service at some inconvenient moment. So if your car has unexpectedly died, here are a few explanations as to why this has happened.

 

The Head Gasket Blew

Head gasket failure is unlikely to happen in a relatively new car, but it is a common fault in older cars. Unfortunately, if it happens to you, you can look forward to a very expensive repair bill. Your cay may be able to continue running with a failed head gasket, but don’t expect much performance. If left untreated, the engine will eventually overheat and leave you stranded by the side of the road. White smoke from the exhaust is a common sign of impending head gasket failure, as are bubbles from the radiator cap.

 

The Timing Belt Snapped

When the timing belt snaps on a car engine, it will be game over for a while. A snapped timing belt normally damages the valves, which is why the cost of repair is so exorbitant. The engine may still turn over, but much faster than normal, although in some cases it won’t respond at all when you turn on the ignition. If you are not sure whether this is the problem, a visual check will help. On some engines, it is possible to take the cover off the timing belt so you can see whether (or not) it is broken.

 

You Forgot to Top-Up the Oil

Oil lubricates the engine and keeps things running nice and smoothly. Without sufficient oil in the engine, it will seize up and stop working completely. To prevent this from happening to you, always keep a close eye on your oil levels and if the oil warning light comes on, don’t ignore it for weeks. Some cars can last for months without an oil top-up, but other models require regular oil infusions. If your car is one of the latter, keep a bottle of oil handy.

 

You Ran Out of Fuel

This has to be one of the most common reasons why a car stops working. Some people run their car on fumes and act surprised when it eventually grinds to a halt. Sadly, modern cars don’t function well with zero fuel in the tank and if you persist in running it on empty the engine will clog up with rubbish from the bottom of the fuel tank. Never wait until the fuel warning light comes on before you start hunting for a gas station. You may not find one in time, particularly if it’s late at night or you are driving off the beaten track.

 

Flat Battery

A flat battery is another common cause of car death syndrome. Batteries don’t last forever, so if you find that your car is taking an increasingly long time to start on cold mornings, change the battery immediately.

If your car is old, make sure you are a member of an auto recovery service. They might not be able to fix your car, but at least they will tow it to the nearest garage.

Don’t Leave Your House Without Performing These Car Safety Checks

Don’t Leave Your House Without Performing These Car Safety Checks

It is easy to get complacent about your car and believe that it will go on forever, but as we all know, sometimes our cars let us down. It’s really important that you make sure that your car is in tiptop condition all of the time, and you should also make sure that it is fully legal. This means making sure all of your tax and insurance payments are up to date. You should also have roadside assistance cover just in case you are ever left stranded on the side of the road. In this article, we are going to tell you about some important safety checks that you should carry out before every journey in order to make sure that you are as safe as possible on the road. Read on for our top tips:

 

Check the Tires

The tread on your tires should be deep enough so that they are able to grip onto the road. If the tread on your tires is wearing a bit thin then book it in for new tires as soon as possible. It really is not worth driving with bald tires as you are far more likely to skid and lose control on the road. Bald tires are also illegal so you may end up with a fine if you are caught. You should always check the state of your tires before every journey in order to make sure that it is safe enough for you to drive, and don’t forget to check the spare either.

 

The Levels

Before every journey, it is advisable to check the levels of all of the fluids in your car. First of all, make sure that there is enough water both in the radiator tank and also in the windscreen washer tank (this should also have a cleaning agent added so that you can effectively clean your windscreen). Next, check the oil levels. Do this by unscrewing the oil lid and dipping the dipstick in to see how much is in there (make sure you clean the dipstick off with a rag first to get a true indication). There will be a ‘maximum’ and a ‘minimum’ mark on the dipstick to make sure that it is not too much or not too little. Finally, check that you have plenty of brake fluid in the system so that the brakes can work effectively.

 

Regular Servicing

You should have your car regularly serviced in order that it runs as efficiently as possible. During the service, ask the mechanic to check for maintenance jobs that need to be carried out, for example, brake shoe relining or fitting a new clutch. It may cost a bit of money to get these things done, but you will be glad that you did.

By taking care of your car and carrying out these regular checks, you are far less likely to be let down by it. It should also serve you a lot longer if you take the time to care for it properly. Look after your car and it’ll look after you!

 

How To Prepare Your Car Adequately For The Summer

How To Prepare Your Car Adequately For The Summer

A holiday on the roads around the world is an unforgettable experience for all. Whether you go to the sea or the mountains, summer is the ideal time to do this. Many choose to go by car to Greece, Turkey, Austria and elsewhere in Europe. For such a holiday is necessary to keep in mind a few tips to help you not only survive but also to reach your destination unharmed. Here are some of them!

 

Do not soar on the road in the peak season

Summer season is loved by everyone, but there are certain times when it’s recommended to stay away from roads. Of course, you want to avoid peak hour traffic when going through an urban area, but in general, you should avoid altogether in a case is possible. Avoid traveling when it’s very hot. Not only you will get rid of the discomfort caused by excessive heating of the car, but you will also save gasoline.

 

Go to service before departure

Maintenance of the vehicle is always important, but before going on long trips it’s essential to make a professional control. Watch the oil change and tires, but check also the car and other problems that might arise along the way. You must inspect the radiator and hoses, brakes, tire pressure, suspension system, and oil. It wouldn’t be wrong to take into account testing the battery, starter and the alternator.

 

One last check before departure

Don’t leave anything to chance! Just because you have recently had to deal with car service, that doesn’t mean you don’t have to be vigilant. Before leaving, check once again all fluids including engine oil and coolant from the radiator. Also, check the tire pressure and their condition and inspect the belts and hoses under the hood.

 

The air conditioning

If you travel in summer, you need an air conditioner running. Unless you plan to go by car only at night or very early morning, you undoubtedly need proper conditioning. If the air conditioner is cooling less than you should go to a mechanic. Charging the coolant could be everything you need to make things work properly.

 

Pack your bags intelligently

One of the most important steps in preparing your trip is the correctly packed luggage. This refers not only to the beach costume and cosmetics. You must ensure that your car is equipped with an emergency kit in case you deal with a flat tire somewhere. It should include water, blankets, non-perishable snacks, tow cables, and basic sanitary ware. Don’t forget the warning triangle and fire extinguisher!

Five Ways to Commute and their Benefits

Five Ways to Commute and their Benefits

Regardless of whether you live a mile or 50 miles from your place of work, you will need to get there one way or another. This is something vital to figure out especially when you start at a new place of employment. In fact, this is even sometimes a factor as to whether you accept a certain job opportunity!

It all comes down to convenience and cost, as these are both important factors in the overall decision. So it will be up to you to decide which mode of transport is the most suited to your commute. Here are just a few different methods you could choose from, although there may be more options than this in your local area; do a bit of research to find out more.

 

Car

One of the most traditional ways to get to work is by car, especially for those living in rural areas. Buses and trains do not always operate from small villages and hamlets, and those that do may have sporadic timetables. That is why it is sensible to assess the feasibility of commuting by car for work, and if you don’t already have one – how you could buy one. So you might look at the Subaru dealers Glasgow has to offer or a Mini showroom in Canterbury, depending on what you want and where you live.

 

Bus

If you do live in an area that is serviced by a bus, you might find it the best option for your commute. This is more apparent for those who need to get into a city center, as many places in the UK have special bus lanes that will help you to get to your destination without hitting too much traffic. This means that your journey might be significantly shorter than if you were doing the same journey in the car.

 

Train

For those traveling a longer distance, a train can be a sensible option to consider. This is because trains run to a schedule, meaning you are more likely to be in the same place at the same time on a daily basis. You will need to take into account the chances of delays now and again, but it could still be the quickest mode of transport the majority of the time.

 

Bike

If you want to get a bit of exercise and live within a five-mile radius of your place of work, you could always think about cycling. This all depends on how brave you are, as well as how responsible you can be on the roads. You should follow the Highway Code, as well as being courteous. Wearing hi-vis clothing is essential for safety too; so take this into account and it good is a good solution for your commute.

 

Walk

Finally, how about simply using your own two feet? Walking is an excellent form of exercise, and should also help to wake you up in the morning during your commute to the office. It is best to walk on a proper pavement if possible, and don’t take unnecessary risks by dashing across a busy road, especially when it is icy.