Monthly Archives: December 2014

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Selecting A Car That’s Around A Year Or So Old Is Cost Effective

Getting a car which has been on the road between one and two years can certainly make sense although we all like the idea of having a new one as well as the feelings that come with that. I was encouraged against purchasing new cars by my own grandma several years ago. She explained I could possibly be better off finding a car a couple of years old with reduced mileage. Her reasons behind this seemed to be that any problems that the car may have had will be taken care of and I would be sure that I was getting a car in good working condition.

Those rules are something I still follow today as they are reasonable and in buying an older car there are other considerations that add on weight to this argument. I will now expand further on why buying a car that is not extremely old can result in saving you lots of money.

I am not sure if you realize it or not but whenever you buy a new car and drive it off the lot the value of the car just drops by thousands of dollars. A purchase transaction of say $25,000 for a new car will not have been good for you even when you think it was. As you leave behind the car display room, a new valuation of $20,000 could be the asking price for your car. In reality in the course of that first journey you’ll have taken a hit of $5,000 and this occurred in just a few minutes of time.

If you think maybe I’m exaggerating, go and buy a new car. If you do, just travel in it directly to the house. When it comes to how much money your car will be worth the next day, just go back to where you bought the car and see how much they would be prepared to give you. For trading in the car you could expect anywhere between $15,000 and $20,000 and this covers a car you purchased for $25,000 the day before.

This continues to be the marketplace standard for many years. This is transforming in a few instances where there is a thirty day window to get a 100% trading in valuation for your car from the original dealer. You still will be $5000 down as soon as those 30 days have elapsed. And when you try to sell the car outright you might end up losing even more than that.

A two year old car will not experience that kind of deficit when you are purchasing it from a car dealer in the same way. Not to mention like my grandmother said, any glitches the car may have, will have been worked out by then. The distinction between a new car and a used car without way to many miles, is in favor of the latter on this basis.

It really is worthwhile remembering these factors whenever you are making car purchase decisions. It’s possible to find great value if you’re able to resist the temptation of a brand new car.

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Air Filters And Wiper Blades – Huge Savings By Replacing Them In Your Driveway

With regards to changing wiper blades and air filters, virtually all people use the schedule suggested by their local oil change service provider. The trouble with this is that you are wasting funds by using their service. This article will show you how you can save money by changing these items yourself.

First off with regards to the air filter in your vehicle did you know that most manufacturers recommend you change the air filter every 20,000 miles? Exposed to common driving situations, this is what your car requires. Still, you won’t need to change your air filter every 20,000 miles if it’s not actually dirty. Now when you visit an oil change place these people advise that you change the air filter every 2nd oil change. The only reason that this is their suggestion is because this is how they make money. You may also find yourself paying very near to $70 for a $10 air filter at some locations.

Learning to replace your own air filter will save you significant money and prevent you from being taken advantage of by the oil change facilities. Take a drive to your local auto parts store where you can purchase an air filter for below $10. And if you ask the people at the parts stores, many of them will likely put it in for you. Nevertheless, the process of replacing an air filter is really simple as all you usually have to do is release the clamps or wing nuts that are holding the cover in place. Then you simply remove the old filter and put the new one in. So as an alternative to paying $240 every 2 years on replacing your air filters at those oil change places you can do it yourself for about $10 to $20 every 2 years, depending on your air filter.

The exact same thing goes with the windshield wipers on your car. Why don’t you pay around $10 yourself for a pair of windshield wiper blades as an alternative to shelling out close to $40 at an oil change facility? And replacing your wiper blades is no more challenging than changing the air filter on your car. In case you didn’t already know, you will almost certainly get the job done more rapidly if you replace the entire wiper blade unit and not just the blade. For this reason, try to obtain blades that include an entire unit. You generally only require a small screwdriver to help you replace the wiper blades. With wiper blades, you’ll immediately know when to replace them since they will no longer work properly. When you stop by an oil change facility, they will suggest replacing your wiper blades based on their own company recommendations rather than whether or not the blades actually need to be replaced. Given that they have never changed the blades themselves, their system will repeatedly recommend that they replace them for you.

Just using these two recommendations and doing the work yourself can save you quite a bit of money. You might possibly even want to consider learning how to change your own oil. It is a little more challenging, nevertheless, you will find yourself saving even more money.

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Useful Tips For Anyone Wishing To Purchase Auto Insurance

Some factors that cause the cost of your insurance to fluctuate can be altered, but some costs are fixed and will not change. Accepting higher deductibles may lower your premium costs. Read this article to find the best ways to get the most out of your car insurance for less money.

Reducing how much you drive every year can lower your insurance amount. Most insurance providers will actually decrease the amount of your premium by decreasing the number of miles you drive.

Be sure you to research your potential insurance rate when you are shopping for a car. Speak to your insurance agent ahead ahead of time to find out what cars have the lowest rates. You can make a better decision in buying a new or used car based off this information. If you purchase a car with a high safety rating, insurance will be quite a bit cheaper.

If you’re insuring a teenager, check what it would cost to add them to a current policy, and then compare that to what their own policy would cost. Depending on the kind of vehicle they will be driving, it may be cheaper to purchase a separate policy for your teen.

Many states will require that you have liability insurance, at minimum, if you own a car. You have the responsibility to be aware of coverage levels for your state, and to acquire insurance appropriate to those requirements. Many states enact severe consequences for not being insured, as well as being involved in an accident while uninsured. The laws are very clear on these matters, and you should know the facts.

As previously mentioned, some factors that can be changed can affect your policy costs. You can control how far you commute, your driving history and your credit rating. By educating yourself on these factors, you can bring your insurance down to a price that you can happily live with.