Beneficial Tips To Use As You Purchase Your Next Auto

January 6th, 2019 by admin

Everyone loves a new car, but almost no one enjoys shopping for one. Knowledge makes it more enjoyable, though. Going through the tips here is a great place to begin. Don’t let a salesperson talk you into buying a vehicle you can’t afford. Many people get hoodwinked into buying a sports car because salespeople say the person looks good in it. Remember, the salesperson is after a commission.

Make sure you do some research on a dealer prior to making an offer. If you are familiar with their financing choices and trade-in policy in advance, you will negotiate from a stronger position. Also, knowing about the customer reviews will assist you in avoiding getting scammed. Never pay full price for a car. This number is not an accurate reflection of what each dealer believes it can get from you. Bring a friend that is a good negotiator if that is not your strong point. Have a ballpark figure in mind before you go.

Test the merchandise before you buy. This will give you a feel of how good the car drives. It’s possible that the vehicle has some defect or issue that might affect the way it handles on the road. When you are looking for a car to purchase, make sure that any vehicle you consider is equipped with the latest safety features. The brakes and suspension are two things to take into account when car shopping. Check for air bags too, in the event of an accident. Safety is important since you will be in this vehicle a lot. Bring someone with you when you are shopping for a car. Have a friend or family member go with you to assist in asking the important questions and negotiating a price. Brief your companion on your vehicle needs and how much you have available to spend.

Put the Internet to work for you. There is a wide variety of cars and car information available online. Find out all you are able to about the cars you are interested in before you go and look at them. By researching online, you can find specs, gas mileage data, resell value, ratings and almost any other information that you desire. Few things are as exciting and overwhelming as the process of trying to find a new vehicle. The Internet is often your best friend in this situation. You can look up a variety of vehicles and compare prices right from your home. Many online sites offer side-by-side comparisons and other features to guide you through the selection process. This will help you to figure out what cars you should actually go out and visit a dealership to test drive.

Be cautious about giving out your social security number. It is common for car dealers to ask for this right away and use it to pull your credit. If you do not purchase a vehicle at this dealership, then your chances of obtaining the best deal at another dealership can be damaged because the credit run will be shown. Make sure the deal is ready before you start spouting out your Social. Most people would agree that buying a car is not their favorite activity. Actually, with preparation and the right mindset, you can shop for a car, truck or SUV with relatively little stress.

Buying Your First Car? Here’s What You Need To Know

December 29th, 2018 by admin

There are bound to be some pressing questions on your mind and for this very reason, we’ve compiled a comprehensive buyer’s guide focusing on the safety, affordability, maintenance and practicality when choosing the ideal car.

Let’s first take a look at the advantages and disadvantages of buying a new or used car.

Advantages of buying a new car

  • You’ll generally get a comprehensive warranty package.
  • No previous wear and tear, mechanical or body damage.
  • The dealer may offer financing at a lower interest rate.
  • You could be offered additional options and features.

Disadvantages of buying a new car

  • The purchase price is usually much higher.
  • Value greatly depreciates the moment you drive it off the floor.
  • New upgrades or features could take effect soon after purchase.
  • Insurance, taxes and registration fees are higher.

Advantages of buying a used car

  • The purchase price is lower overall and could be even lower if you buy privately.
  • Used cars continue to depreciate, but typically the most during the first two to three years.
  • You can sell it for almost the same price you bought it for if it’s well-maintained.
  • Insurance rates tend to be lower.

Disadvantages of buying a used car

  • May not be as reliable as a new car unless you buy a certified pre-owned vehicle.
  • Interest rates could be higher when financing.
  • Limited or no warranty.
  • Higher maintenance costs.
  • You can’t pre-order the car with the features of your choice.

Here’s what you should know when buying your first car

1. Applying for Finance

Once you’ve done all your homework on the car you want and you know you can afford it, applying for finance is simple. Visit the dealership where a Finance and Insurance (F&I) representative will be able to give you advice, explain everything about the loan application and help get the wheels rolling.

2. There is no such thing as a silly question

Dealerships have their own F&I representatives who are registered with the National Credit Regulator who will guide you through the entire purchasing process. When you go to the dealership to close the deal on your first car, don’t be shy to ask questions if you don’t understand anything. This is your last chance to do so before signing on the dotted line.

As exciting as it may be to drive away in your new car, be patient and don’t rush the process. Here is another interesting article with a few more tips on buying your first car.

3. Know your budget

There’s no denying that car payments go beyond just the monthly repayments. You need to be honest with yourself as to what you can really afford. Remember to include insurance, fuel and running costs to your budget. If you can’t really afford the fuel or maintenance cost for a big 4×4, consider something more fuel-efficient and affordable. Great options currently in the market are snazzy Datsun GO and the gutsy Renault Kwid.

4. Forget the debt

Life is too short to worry about unnecessary debt. If you can’t afford an expensive car, be patient and avoid balloon payments where possible. If you can afford to, rather choose the shortest possible term for the loan even if it means your repayments are slightly higher. The sooner you pay off your car, the sooner you will be debt-free.

5. Insurance is non-negotiable

Before taking to the road in your new car, you need to produce proof of insurance. If you have pre-existing cover, simply provide them with your document and if the dealership arranged insurance for you, they will already have it on file.

You are required to maintain comprehensive insurance on the car for the duration of the financial agreement. This not only protects you and your finances, it also gives you peace of mind knowing you are covered. Your insurance will pay out the insured value of the car should anything happen which means you don’t have to continue the repayments on a car you no longer have.

Consider this when car-hunting in South Africa:

1. Is it affordable?

Budgeting is important for many South Africans as not everyone can afford to pay the current price for new cars, not even the ‘entry level’ or ‘budget’ ones. The used car market provides many good options but you have to do thorough research before buying anything.

2. How well has it been maintained?

Maintenance is as important as affordability if not more as you can always plan and manage your monthly repayments but not so much the unforeseen maintenance issues.

More often than not, a used car will no longer have a service plan which means the car owner needs to pay for all repairs and services out of pocket. Where possible, choose a car with a full service history (FSH) and a strong national dealer network. Make sure you can afford out-of-warranty repairs or services from new tyres and shocks to engine or transmission issues.

3. What is the level of safety?

Looking back in history, for a long time, only the most expensive cars had additional safety features. Nowadays airbags, ABS, EBD, impact bars and crumple zones are more common. Considering the rising death toll on South African roads over the last few years, these safety features have become more a necessity than a luxury.

Remember to check the following when buying your first car:

  • Condition of all safety belts – strength, intensity and resistance.
  • Ensure that there is a legal amount of tread on all the tyres and don’t forget the spare wheel. In some cases, you can ask the dealer or seller to fit new tyres if necessary.
  • Test the hooter and all the lights outside and inside the car.
  • Ensure that the vehicle tool kit is complete and check that the car jack is in working order.
  • Ask for the car’s accident history report. Some dealers may not tell you this unless you ask.
  • Research the vehicle’s NCAP safety rating.

4. Is it practical?

Find an affordable car that is suitable and practical for you or your child. Check that the boot is big enough to hold a few suitcases and bags for a weekend away. A two-door car might seem like a good idea but it is impractical. Loading and unloading passengers is not easy, the boot is small and not much leg- and headroom.

Consider what the car will mainly be used for and choose accordingly. Will it only be used to and from college or university or what about cross-country road trips? Perhaps your child is studying engineering, construction or a subject where they are likely to need something more durable and able to carry a heavy load at some point.

It’s important not to just buy the first good looking car you see as you might be stuck with it for years. Be smart, be patient and enjoy the ride!

Factors to Think About When Selecting a Used Car Dealer

December 23rd, 2018 by admin

Life is a series of decision making processes and deciding which one is the best is not always that easy. When it comes to cars, choosing a good one becomes even harder, especially if it is a second-hand option. There are many ways that can be applied to your search but doing some research always helps. Take time to think about the qualities that you want. When you are looking for a good dealership, there are some factors that can be considered so as to narrow down the options.

The kind of car you want

When you want to buy a used car, then you most definitely have something in mind. When selecting the best seller, consider whether they have that particular automobile in stock. Think about the model and brand that you are looking for. When you have a specific option in mind, then the entire process becomes much easier. If you are not too sure, then the showroom people can assist you even though the final decision lies with you.

After sales services

Find out about the services that they offer after the sale has been completed. It is important to select a seller who will help you in the maintenance of the vehicle to have it running efficiently. If the warranty needs some extra payment, then it is really worth it. This is the part where you take your time to make comparisons between different sellers to come up with the best decision.

Price

Price is always an important consideration. You should compare what different sellers are offering and consider why there are price differences between them. It is always important to choose a vehicle that will not be too much trouble after you make the purchase. Of course, your own budget and the financing you get will determine the price limit that you can work comfortably within.

Condition of the vehicles

The sellers usually have their own rules in the used cars that they have in their showrooms. You could consider things like the mileage, the age of the car, and so on. This is the only way you can get the best value for money.

Variety

If you are not so sure about the car model, then it is advisable that you visit a showroom that has the widest variety of vehicles that you can settle for. As such, you will be able to walk around and select the one that connects with you most uniquely. This process should be done with great caution. It is also important to learn more about the vehicle that you end up picking before making the settlement.

The best sellers are usually able to offer all services that relate to automobiles and so you should be able to get advice regarding financing solutions as well as the most affordable servicing. They should be a place where all your auto needs are satisfied. Some even have online shops where you can browse what is available at your own convenience.

Can I Sell a Junk Car Without a Title?

December 16th, 2018 by admin

Car titles are important because they are the legal documents that prove ownership of a vehicle. Titles are also used for RVs, boats, watercrafts, motorcycles, and other major motorized commodities. Some states use the term, “pink slips” for car titles, which are not the same thing as the document a person receives when they are let go from employment. Anytime a person buys a car, whether new or used, they will receive the car title from their state’s Department of Motor Vehicles (DMV). If a person chooses to sell their vehicle, they would transfer the title over to the new owner.

So what happens if you lose the title? What if you never receive a title? Continue reading to learn your options for selling a car without a title.

No Title? No Problem.

Sometimes car titles get lost or even stolen, and other times they are never transferred over to the new owner. Regardless of why your title is missing, there are still ways to sell your car without it. Although having a car title can make the process easier, selling a vehicle without a title only requires a few extra steps.

Here’s what you can do:

You can declare your car title lost or stolen. All states have a procedure in place for car owners to apply for a duplicate title if it is lost or stolen. Learn your state’s process at your local BMV.

Some states have a process in place for car owners who wish to sell their vehicle to a private party. Learn if your state has these procedures at your local drivers’ license branch.

If you have a junk car that you want to sell to a salvage yard, check to see if they will do business without a title. Some companies will purchase junk cars without a title if alternative documentation can be presented to show proof of ownership.

How to Sell a Vehicle to a Junk Car Buyer:

1. Call the company and ask them about their junk car selling process. Ask them if they will do business without a car title.

2. If they buy vehicles without titles, ask them which documentation is an acceptable proof of ownership.

3. Locate any alternative documents that can prove you own the vehicle you wish to sell, such as your registration and drivers’ license.

4. Follow the steps given to you by the junk car buying company to complete the process and receive your cash.