Using A Car Finance Broker

When it comes to getting the cheapest deal possible for financing your new car then you simply have to go with a car finance broker. A broker has the expertise of knowing where to look online in order to get the cheapest quotes possible along with the best incentives and added extras.

While you could go online yourself and search for the cheapest deal possible, it is very rare that you will have the knowledge of where the best deals are and how to get them. A specialist broker knows the ins and outs of the car finance sector and will have lenders in mind from past experience; they will also know what to look for when it comes to car finance and the places you should avoid looking for insurance.

When it comes to financing for your car then without a doubt the best option is to go for a car loan. You can opt to take the finance through a dealership, but this is often the most expensive way of taking a loan to pay for your car. The dealer might throw in incentives to get you to take the finance through them, but even with these in mind it is usually at a much higher rate of interest than letting a specialist broker find you a car loan deal.

If you want the cheapest deal possible then go online with a broker. While in some cases you will have to pay for the brokers fees, it often does save you a great deal of money and it certainly saves you time and the stress of having to search through the many lenders yourself. Along with the best rate of interest the broker can find, they will also take into account any extras that the lender has to offer. And, of course, if you want the added security of knowing exactly how much the repayment will be each month then simply ask the broker to look for a fixed rate car loan for you.

6 Tips To Make Your Car More Earth Friendly

Last year marked a turning point in which Earth-friendly alternative-fuel and hybrid vehicles gained major attention and an increasing market share. On top of that, the AAA Great Battery Roundup collected more than 20,000 used vehicle batteries and disposed of them in an environmentally sound manner.

But you don’t need to have old batteries lying around or buy a different vehicle to protect the environment. According to AAA spokesman Michael Calkins, you can make a meaningful contribution by adopting two easy-to-implement strategies: regular vehicle maintenance and better driving habits.

The following tips can put you on the road to environmentally conscious car care.

* Keep your engine running at peak performance in order to conserve fuel. Perform regular vehicle maintenance at the intervals recommended by your vehicle’s manufacturer. Seek timely service if the “check engine” warning light remains illuminated on the dash.

To find a trustworthy repair facility, ask friends for recommendations or search on www.aaa.com for AAA Approved Auto Repair facilities near you.

* Check the air pressure in your car’s tires regularly. Underinflated tires require your engine to work harder and use more fuel to maintain a given speed.

* Have your vehicle’s air conditioning serviced only by technicians who are certified to properly handle and recycle automotive refrigerants. Older air conditioning systems contain ozone-depleting chemicals that could be released into the atmosphere.

* Some older vehicles use switches that contain highly toxic mercury to activate hood, trunk and glove-box lights. Many organizations, including a number of AAA clubs across the country, now host mercury “switch out” programs in which these environmentally hazardous parts are removed for recycling and replaced with nontoxic mechanical switches.

* Avoid “jack rabbit” starts, sudden acceleration, and speeds above the posted limits; all of these habits guzzle gas.

* Properly dispose of engine fluids and batteries. Call your local government waste management agency to find out how. Never dispose of fluids on the ground or in any manner that might allow them to make their way into groundwater, lakes or streams.

Proper vehicle maintenance and environmentally friendly driving habits conserve natural resources, reduce exhaust emissions and reward you with a vehicle that will last longer and be safer to drive. In other words, when you “go green,” the Earth wins, your car wins — and you are the biggest winner of all!

5 Practical Ways To Check A Used Car

Since its inception, the market of used cars has suddenly escalated at an unprecedented rate for the past few years. In fact, surveys show that the number of people who buy used cars is almost tripled when compared to the number of people who buy new cars.

That is why many people are enticed to buy used cars because it is gradually becoming a trend in the car buying industry.

However, it does not necessarily mean that buyers will just take the process of selecting used cars for granted. Hence, it is important to take note of the ways to check the car prior to the closure of the deal.

Therefore, for people who wish to know the different ways of checking the condition of the used car, here are some pointers:

1. Test drive

There is no better way to check the condition of the car than to do a test drive. In this way, the buyer will be able to know the actual condition of the car and its parts like the brakes, accelerator, etc.

Also, the buyer will be able to detect at once if there are some ìclunksî and rattles on the used car, even if the test drive is just a short trip.

2. Personal inspection

Aside from test-driving, it is also important for the buyer to personally inspect the details of the body makeup and its condition.

In this manner, the buyer will be able to identify any signs of rusts and damages, the condition of the tires, oil leaks, etc.

3. Mileage check

Usually, an average user or driver will consume 12,000 to 15,000 miles in a year. In this way, the buyer will be able to know the approximate age of the car by looking at its mileage.

4. Mechanic check

Another way of checking the condition of a used car prior to its purchase is to seek the help of a mechanic. This may cost the buyer some charges but the money would surely be spent for a good cause. The mechanic is the best person who could instantly assess technically and professionally the condition of a certain car.

5. CARFAX Report

Knowing the history of the car is also one of the best ways to know the real condition of the car. Hence, it is important for the buyer to seek the help of CARFAX report in order to know the full details of the used carís history.

Take the proper steps and research your purchase. Doing so will guarantee a happy car buying experience.

4 Ways To Increase Automotive Performance

In these days of high gasoline prices, it may seem ridiculous to consider ways to increase your car’s performance as they are almost always associated with increased fuel consumption. However, there are four ways to increase performance that does not have to negatively impact your gas mileage. Let’s take a closer look at each one.

1. Reusable Air Filters. Landfills are stuffed with items we use once and then throw out. Auto air filters are one such item and through the life of a car you can go through 6-12 of them with no problem. For approximately three times the price, washable and reusable air filters are a great alternative. When you purchase one it likely will be the last air filter your car will ever need. Reusable air filters enable you to gain slight increases in horsepower and acceleration as well as to impact the environment in a positive way.

2. Performance Chips. All new cars are operated by a computer chip that tells how much torque and horsepower can be displaced. Performance chips or recalibrations of your current chip can produce significant increases in horsepower and torque for your vehicle.

3. Performance Exhaust Systems. Cat-back or “catalyst-back exhaust systems” are a great way to free up trapped torque and to unleash horsepower. Keeping all the important emissions parts in place, a cat-back system incorporates large width exhaust pipes and low restriction performance mufflers into your car thereby lowering exhaust back pressure. A side benefit is a really awesome sound emitting from the exhaust system.

4. Cold Air Intake. A cold air intake is an under the hood mod that helps to reduce the temperature of the air entering the car for the sole purpose of increasing the power of the engine. Side benefits include enhancements to the appearance of the engine bay as this part can be attractive and colorful; the sound the unit makes is also appealing.

Costs for each of these performance enhancements can vary greatly. Shopping online with a trusted wholesaler is one of the best ways to find top quality parts at the lowest possible prices. By doing the work yourself, you can save a bundle and enjoy the fruits of your labor in no time.

How To Save On Car Insurance For Teens

No matter how well you prepare for it, the cost of insuring a teenage driver can result in major sticker shock. Car insurance for teens can be quite expensive. Adding a single teenage girl can cause your premiums to double immediately, and adding a boy can increase your rates by as much as three times what you’re currently paying. It’s almost enough to make you wonder if it wouldn’t be easier to just put up with another year or two of driving your teen around town.

That’s not to say that there’s no hope, though. There are definitely steps you can take to find affordable car insurance for teens and minimize the effects on your wallet.

Before You Buy:

Choose your teen’s car with insurance in mind. That means striking a careful balance between getting a car that’s new enough to have modern safety features and yet not so new that repairs would be unusually expensive. In general, look for small or mid-sized cars that are a few years old without being brand new. Sporty cars and SUVs will generally cost significantly more to insure.

If you’re not sure what to buy, call your insurance agent and ask for some recommendations. He or she should be able to list numerous makes and models that are known for their affordability when it comes to insurance rates.

As You Approach D(riving) Day:

As your teen approaches driving age, take a close look at his or her academics. Most insurance companies offer some form of good student discount, usually available to all teens with a “B” average or better. If that’s at all attainable, encourage your teen to put in the extra time necessary to do it. Depending on your provider, the discounts can be as high as 20-30%.

Even if you’re not able to benefit from a good student discount, you’ll find that many insurance providers are willing to extend additional discounts if your teen completes extra driver’s education. While private driver’s education classes can be costly in their own right, you’ll also get the satisfaction of knowing that your teen received extra supervised practice. If that’s prohibitively time-consuming or expensive, you can also check out our Online Driver Training Courses Guide for additional alternatives.

Regardless of whether you’re getting discounts, it may also be worthwhile to get quotes from a couple of new companies. Don’t assume that a good rate now means that your existing provider is going to have the best rate once you add new drivers.

You may also find that your agent can offer helpful suggestions about which driver should use each car to realize maximum savings. By listing your teen as an “occasional” driver (if it’s true) or on one of your older cars, you could see significant savings.

Last Resort:

If you absolutely can’t afford the addition of a new teen driver, there are a couple of more extreme alternatives. First, if your teen is driving a fairly old car with a clear title, you can consider purchasing just the minimum legal liability insurance. As a general rule, this is inadvisable due to the fact that it doesn’t provide good coverage in the event of an accident, but it can be done as an absolute last resort.

Even more extreme, you could consider delaying your teen’s license by a few months while you save. Many companies don’t require you to purchase additional insurance for a teen with a learner’s permit.

With proper planning, you should be able to find some way to make your teen’s car insurance rates bearable. Further, by taking cost-reducing measures like purchasing a safer car or taking extra driving classes, you’re also taking steps that reduce the likelihood that your teen will be injured in an accident – and that’s the most important thing of all.