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Posts Tagged ‘auto finance’
Sunday, July 3rd, 2011
Apart from the growing number of various automobile car , truck and SUV models, one of the the reason why car dealerships and their environs are inherently unique and interesting is the creation and existence of a specific language spoken by salespersons in car dealerships. Some people find the auto sales culture interesting and a microcosm of life whereas to others it is a shady place full of low lives and vultures. To each their own poison or pleasure one might say. Yet the words in car lot language are not that extraordinary but these words are used to determine a certain type of client, person or negotiation process. Although salespeople often use the car lot language when speaking among themselves, they sometimes cannot avoid using some terms while speaking to clients. Therefore, if you are experiencing confusion in your dealings with automobile salespersons – you are not alone nor is it your imagination. This article is meant to be instructive and informative and it might be a wise investment of your time to read on. Read on my friend and in this article, we are going to clear out some car lot terms that car lot salespeople usually use.
One of the common terms car salesmen usually use is Bumping. Bumping refers to the raising or the strategy of raising the offer of the customer for a certain car. In addition to bumping is Pounder. It refers to a certain car deal that has been closed and offers $1, 000 as profit. Another car lot language that has something to do with negotiation and earnings is Home Run. This term is used to describe a certain circumstance where in the salesperson takes advantage of the whole aspect of the deal such as the financing, trade-in price and sale price.
If salesmen have terms for some selling strategies to gain extra earnings, of course they have certain terms to describe different types of customers. One kind of customer in car lots is the Be Backs. This refers to customers who visit the dealership, looks and inquires about the vehicle and then promises to just return by saying “I’ll be back”. Another customer type is the Mooch. Mooches are customers who tries to really buy the car at an invoice price. Grinders are almost the same as mooches only that grinders are the type of customers that likes to negotiate for hours over a sum of money. Customers with bad credit record are called Roach by car lot salespersons.
There are also words that are used to refer to specific people, place or office within the car lot. One example of this is the Desk. If you hear salespeople speak of the desk, they are not referring to a type of furniture but to the sales manager. Moreover, car salespersons call the office where the sales manager works as the Tower. F&I means Finance and Insurance Office and this is the place where documents are signed. Oftentimes, the salesmen from F&I are the ones who will convince customers to avail extended warranties buy auto anti-theft alarms and fabric protection.
Now you’re already familiar with some car lot languages usually used by car salespersons. Just remember the terms written above and you can be sure that you will be able to understand what the salesman is talking about the next time you pay the car lot a visit. V:8
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Tags: auto blogs, auto buying, auto dealerships, auto finance, Auto Insurance, flood cars, languages, pyschology, truck buyers, truck reviews, used car dealers
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Tuesday, May 24th, 2011
It can be said that “everyone drives a used car”. Once your new car tires hit the pavement and roll out with plates out of the new car dealership your car, truck or SUV suffers great depreciation in value. After all “someone” ( meaning you in this case) has to pay for the beautiful new automotive dealership , the lot and building and overhead never mind to mention taxes of all types and labor costs to that business that sold you the vehicle.
It is interesting to note that more than one wealthy auto dealership owner drive for their personal vehicles used off lease vehicles that they have purchased off their respective factory auctions of off lease or company driven vehicles. If it’s good enough for them it should be for you as well. On top of that, in the case of newer pre-owned or driven vehicles many still sport and carry factory warranties – even for the second or even fifth owner. What the auto maker and warranty authorization claims people look at to assess coverage is miles / and or time limitations. That is assuming that the vehicle has been reasonably maintained under your care. More than one young person was shocked to learn that the sludge in their crankcase – which indicated oil driven for 2 years ( average driver 25,000 miles ) without an oil change invalidated their warranty when it came time to a catastrophic engine failure and a very hefty bill for replacement and installation of a new motor. As a car owner you can scream all you want and threaten the dealer / owner with legalities and threats of internet postings. In these cases you not they are liable. Yet the summary is if you choose a good car and maintain it according to the norms in the owner’s manual in your glove box “you will be fine”.
Each and every vehicle sold in the world is stamped with a serial number for that particular vehicle. In the English language it’s called the “Vehicle Identification Number” or VIN. In foreign areas of the world the label goes by any of a number of different descriptive automotive terms. The VIN is unique to each vehicle. It’s like a social insurance number in that it is unique. The VIN number on a vehicle is a sequence of numbers. Each specific row identifies a separate record. For example the country of manufacture, year, model type engine type etc.
Just what can you expect in an online vehicle report? First of all to explain the information (data) on your car is provided via a cross reference to the Vehicle Identification Number (VIN) which is essence a serial number assigned to that particular unit since new. Each and every owner or change of ownership is tracked via this data. Attached to those changes of ownership should be addresses, perhaps phone numbers and mileage at that point in time. Traffic accidents and worse will be recorded as well as part of the process. If the car was in a very substantial accident and “written off” as salvage – and somehow returned to roadworthy condition (or at least the part attached to the VIN) this will be part of the report as well. Just one note – take into account practicalities of life. A computer report is a wonderful tool. Yet it is possible that owner’s may have had misfortunes in the auto’s life and done repairs under the table so that they do not appear on the roster. It’s always a possibility. So be wary of this. Stranger things have happened. The reports are valuable, one stop shopping pieces of information – however still use your practical judgment and skills of perception. Remember the other person is there to sell you the car. Once the contract is signed and the transaction of cash payment occurs for the most part you are on your own.
At the end of the day for most auto and truck buyers it’s about getting reliable transportation either for their family or as part of the requirements of their job and family income. Hence when out car or truck shopping it never hurts to be both on the conservative side and also drive home the best deal and overall value. At the end of the day, and at the end of the road it is as simple as that.
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Tags: auto buyers, auto credit, auto dealers, auto finance, Auto Insurance, auto reviews, auto sales, buy used car, check VIN numbers, New car Dealers, transportation, used car buy, used car classifieds, used car dealers
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Monday, April 25th, 2011
When you wish to own a car but run short on budget you can opt for used cars instead. They cost pretty much lower as compared to the brand new ones. However you cannot be too sure on their quality and efficiency. It pays to complete a thorough and complete inspection of the cars and its history. First and foremost when it comes time to buy a first vehicle or replace your current form of transportation don’t be rushed. There are plenty of fish in the ocean or in this case car, trucks and SUVs in your local geographic area just waiting to be sold. Take full time and attention to inspect the car’s built, engine and history. Here are some tips on how to conduct a proper inspection for your desired used car.
In the advent of modernization and perhaps just to be different, the various automotive manufacturing companies have emerged to trace vehicle history. This is through Vehicle Identification Number (VIN) which can provide you past information about the previous owners and the different damages or problems that you should be aware of. The very first company to offer this kind of service was Carfax (www.carfax.com) which started its operation in 1986. At present, the Carfax can access 450 different information sources that can be emailed instantly to customers. Since 1981 Carfax has information for almost every car on the road. In fact the US government accepted the VIN as a standard tracking code for vehicle history. You will have to pay $14.99 to Carfax if you wish to get one history report. However it would be cost effective if you avail of their unrestricted car history determination for only $19.99 that is effective for a month. More recently, vehicle reliability information was added to the features of Carfax. Consumer Guide (www.consumerguide.com) is another company that provides Consumer’s Guide repair information derived from the Experian database with around 1.7 billion reports.
History reports are also capable of tracing cheats like odometer rollback, title washing and curbstoning. Odometer is a device that measure the distance traveled by the car annually. Depending on the odometer reading a used car can have a lower or higher value. That is the reason why some sellers would tamper the reading to have a higher price value for their car. History reports reveal the name of the previous owner and its location. So a discrepancy in this can reveal title washing or curbstoning. This report will definitely warn the buyer on the true condition and value of a certain used car. And will make sure that buyers will not be cheated.
Every time that you try to see a used car it is quite not practical to hire a mechanic to do the inspection for you. You yourself can do the preliminary inspection before finalizing thorough inspection by an expert mechanic. Here are some things that should consider.
The car history generated by these companies can very well determine cheats on increasing the price value of used cars like odometer rollback. An odometer report is a handy feature of vehicle history providers. Odometer in vehicles indicates the distance traveled by a vehicle. Normally a vehicle must travel only for a range of 12,000-15,000 miles annually. If there will be an excess mile traveled, this will correspond to a decrease in the transaction price of the used car. Another cheat that can be traced using car history reports is curbstorning and title washing. The cars with these conditions are usually offered in a less but doubtful price value. Refer to the above mentioned guidelines to avoid taking over the lemons owned by others.
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Tags: auto credit, auto dealers, auto finance, auto inspection, Auto Insurance, banking, buying a car, buying a used car, consumer reports, family budget, New car Dealers, transportation, used car dealers.summer vacation
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Friday, October 1st, 2010
Car and engine manufacturers give recommended oil change intervals of around or between 2,000 to 7500 miles (corresponding to 3,200 to 12,000 km) between oil changes depending upon operating conditions. There are so many variables such as engine load, short trips, speed, prolonged idling and dust that an exact recommendation that fits all vehicles, their climates and environments and driving patterns is virtually impossible.
There are two major reasons why oil must be drained periodically. Contaminants can increase in number. When this occurs, the oil’s ability to lubricate and cool the engine is significantly reduced. Chemical changes are also a problem. Oil contains certain additives. These give the capacity to protect form rusting and corrosion of metals until they become depleted and oxidized. For clarification purposes, oil itself does not wear out. However, the additives, which are incorporated in the compound that are responsible for protecting metal parts against oxidation and other causes of deterioration, do. New oil and a new filter will help your engine perform better and last longer when it is done in the correct intervals.
The American Petroleum Institute says that this change should be done at “regular intervals” and check with the recommendations given in your car’s service manual. Usually, there are two types: one for mileage which, in most cars is as around 3,000 miles; and the other one is for time, at around three months. When it’s summer time decrease the recommendation by 10% and by winter 20%. For example, in winter the oil must be changed around 2,400 miles. This is the computation for maximum oil-change intervals. It might be a bit costly and inconvenient for some, but you are assured that the car is in good condition when you need it to be.
If on the other hand, operating conditions are other than ideal, the change interval will be shortened. In fact under the worst driving conditions for automotive engines – such as what occurs during dust storms, prolonged idling, constant starts and stops, the oil change interval may have to as little as only 500 to 1000 miles (that is approx 800 to 1600 kilometers.)
In that most auto engines are not operated under either extreme or ideal conditions, it is important to know the general conditions surrounding the use of the specific engine and in which specific vehicle that is question. In this manner , a reasonably accurate determination of the oil change interval can be made , stated and a recommendation made. However it should be emphasized that at no time should the manufacturer’s recommended maximum interval be extended or inflated. Lastly motorists with diesel engines – diesel powered trucks and diesel fueled cars be reminded that oil change intervals are shorter than with similar gasoline fueled cars and trucks. V:12
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Tags: Auto care, auto fall tune up, auto finance, Auto Insurance, auto maintenance, auto mechanics, auto oil changes, auto safety, auto service centers, car dealers, preventative maintenance, Truck dealers, used car dealers
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Saturday, September 18th, 2010
The secondhand auto trade has been quickly growing on an yearly basis, with some studies showing that three times more used vehicles are purchased than new, each year. There are lots of reasons why the public decide to buy secondhand, with the primary focus being on the cost saving they will make. Your cash will also stretch much further with a used car as, for example, you may be able to afford a special make and model with lots of extras such as sat nav, cruise control etc, where as if you purchased that make of auto new, you may have to buy the basic model.
Purchasing a secondhand motorcar can however be a little daunting for some people, despite the fact that this experience should be an pleasant one. Providing you are cautious, do all the necessary checks and ask the appropriate questions, buying a used motorcar should be a very straight-forward procedure. If you are looking at buying a secondhand car, here are some tips that can help you avoid any mistakes.
1. First Observation. The first thing to ascertain is the overall condition of the motorcar. Does it have any knocks, bangs or scratches and if so, do these reflect in the cost? Check the condition of the tyres to make sure they are road legal or to see whether they will need replacing soon. Check that the front and rear lights have no impairment and check the bodywork for evidence of rust. Look under the motorcar to examine for any leaks, and even scrutinize the garage fore-court or the sellers driveway to see if there are any evidence of oil leaks.
2. Service History and Mileage Check. Always request to see the vehicles service history, and make sure that it has been serviced often by a service station and the service record has been signed. Also ascertain the mileage has been logged in the service book and check that it matches up with the mileage on the auto. Make sure that if the seller informs you that there has been work carried out on the automobile, that they have paperwork to prove it. The more facts on the auto the better so you can feel more confident about the purchase you may make.
3. Mechanical Check. Even if the vehicle starts without any issues, unless you are a mechanic it is difficult for you to evaluate the condition of the engine. It is greatly recommended that you get a trained auto-mechanic to give the engine a look over before you commit to buying. They will be able to give you a true appraisal of the condition of the engine and will be able to probe the owner with questions that you may not think of. In the long run, getting the cars engine checked out in advance could save you lots of cash and bother in the future.
4. Take It For A Drive. The proper way to get a flavor for a automobile is to take it for a test drive yourself. You can then see how the car handles and if the vehicle ‘feels’ right for you. It is also the best to see if the vehicle has any noises or ‘knocking’ noises and also check if everything is functioning correctly, such as the indicators, lights or stereo. If the seller refuses you a test drive then you have to consider why this is, and it should may you think again about purchasing.
If you observe these four rules then you will be well on your way to avoiding some of the pitfalls of purchasing a secondhand car, and you can then ensure that you will be ecstatic with your used auto purchase.
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Tags: auto finance, Auto Insurance, autos, Car Finance, car insurance, Cars, secondhand auto, secondhand cars, used autos, used cars
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Monday, September 13th, 2010
All types of vehicles are prone to rusting because of the ferrous metals used to create them. Also affecting the severity and speed of rusting are the car’s exposure to the elements and weather. The appearance might be bad but its effects on the structure are much worse. It’s interesting to note that more vehicles are sent to junkyards due to rusting than mechanical failure. A small portion that is seen outside might mean a crater of rust on the inside.
There are several ways to avoid rust from spreading. First, there is an undercoat that is used by car manufacturers. Second, rustproofing can be applied when requested by the buyer. The standard factory undercoating is usually not enough to give complete protection. It covers metal surfaces with a compound that is petroleum based. Rustproofing can be a good investment if you don’t change cars often. It can even add 1 year to the life of the automobile. The most ideal time to rust proof before reaches 3,000 miles that’s around three months. Beyond this time, most cars have already accumulated moisture retaining grime which kicks of the rusting process. It’s not advisable to do so after the car has been exposed to wet areas especially sea salt.
Having professional work done might be pricey. It’s usually five times more than the price of a do-it-yourself kit. However, it is convenient and they can do a more thorough job. Kits have enough material for you to work on a full-size car. These come with detailed instructions as well. Once the car is dry, it would have taken the owner 4-5 hours for the whole process. Individuals are advised to wear goggles. Use old clothes while working on the car. You might need to change twice or discard the articles of clothing afterwards.
Rustproofing should never be done in humid weather or when surfaces are damp. Areas that give off heat must not be treated with the compound. These include: the radiator core, engine, catalytic converter, differential, manifold, transmission, pipes and driveshaft. The material makes rubber weak so steer clear of tubes, rubber seals and gaskets. Protect tires with plastic cover.
Rustproof the under body of the vehicle by using two sets of safety jack stands. Remember to put on the goggles. All exterior trims on the car must be removed to be treated, include mounting holes, and clips before putting back the trims. Most rustproofing kits require that the material be injected into hollow body parts through drilling access holes. Grommets are provided in order to seal the holes afterwords. Review the instructions inside the kit carefully. Proper application will ensure that your car remains free of rust for the longest time possible.
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Tags: auto accidents, Auto Bumper Repair, Auto Dealer, auto finance, Auto Insurance, Auto Mechanic, auto repair, Auto Rust Repair.Fix Rust, Auto Scratch Removal, Automotive Rust, Cheap Car Paint, trucks, used cars
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Sunday, September 12th, 2010
If you’re looking to purchase a new vehicle, do not only consider your personal preferences in terms of style, price, comfort and speed just to name a few; but also select a car that causes fewer carbon footprints to give the environment a helping hand. This might be beneficial to car owners as well because cars that have a reduced environmental impact tend to be less inexpensive and are more efficient in terms of fuel consumption. Whether you’re looking to buy a second-hand car or a hybrid, here are some useful tips to aid you in making that decision.
Leading in the arena of fuel efficiency are smaller cars. The large engines of bigger cars need more power and gas in order to operate. Plus, these larger automobiles are heavier in comparison to their smaller counterparts. The big heavy vehicles require more force from the engines and for that to be produced, more gasoline consumption is necessary. Plus it’s very tempting to fill up a big car if you’re all alone. There is so much extra space for peers, equipment, and sporting gear, just to name a few. Again, the extra weight will eventually pull down the wallets due to gas expenses. If your daily activities can be performed by utilizing a smaller vehicle, prefer this one over the latter. Not only will this create savings with less fuel consumption but also lessen pollution to the environment.
For individuals who are interested in procuring previously owned vehicles, it is best to select one that is a 2004 model or even newer. They cause less air pollution because of the new improved technology in smog -formation reduction of car emissions. Older automobiles may produce an average of 19 times more smog-forming emissions, especially those of the 1995 models and earlier ones. Getting models released in 2004 and later might cause a little more but they’re depreciation or wear and tear isn’t as much as a car that was used in the 90′s. You can get more value for your money. This, of course, is a case to case basis.
Manual transmission can be a good idea over automatics in that they are generally held to be more fuel-efficient. This is true given that the owner shifts gears properly. They also cost less compared to a car that has automatic transmission. In case you opt for an automatic vehicle, select one that has a lot of gears. This type of car will grant you more fuel-efficiency despite having automatic transmission. On the other side of the road or equation you may get your money spent for this not to cheap option when it comes trade in or trade up time. On top of that splurging for money for the automatic transmission may make the vehicle easier and quicker to sell on the used car market , or at trade in time at your local car dealership.
If you are more serious about your carbon footprint, there are cars that run on fuel alternatives. For instance, some vehicles can now run on propane or natural gas. These are considered more cost effective and also cause less pollution. Hybrid vehicles include an internal combustion engine and run on high powered batteries which causes less harm to the environment as oppose to regular automobiles.
V:9
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Tags: auto, auto budget, auto dealers, auto dealership, auto finance, auto garage mechanics, Auto Insurance, auto sales, auto shopping, automotive, buy new car, consumers
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Monday, August 16th, 2010
Many people know that buying repo cars is one of the best ways to save money. But what they don’t know how to do exactly is purchasing repo vehicles at cheaper rates. There’s a lot you could learn from this article in tips and bits, anything from actually being a distributor yourself to buying a repossessed car at the most incredible price imaginable.
A common error most folks make is buying a repossessed vehicle simply because the dealer is emphatic about it, and another is the inclination to purchase the repo because it was the one they saw first of all. Online marketing gimmicks like you being intimated that you could never have gotten a better purchase at such a wonderful price by the dealer or seller should not impress you so much. Such is only to be expected from sellers who are oh so intent on closing the day with a couple of sales. You don’t want to fall for this because you’d only end up hating yourself for being so gullible.
Buying repossessed cars at affordable prices mean the buyer must be smarter than the seller. If you fall short you could in many instances end up purchasing an inferior repossessed vehicle for a higher price. The truth is that these people have been in the business of selling bank repossessed cars, which means you are up against a smarter bunch. Do repo car dealers ever get ‘taken’ too? How much you should spend on a repossessed vehicle, where you should get it, and suchlike, are all bit and pieces of basic information you can get from certain repo auction sites on the internet. You aren’t likely to soon run out of online services that offer this service if you but hit the internet right now.
If you decide to go online to either compare repossessed car prices or learn one or two things about a repo car before approaching a dealer then one of the major things you want to know is the real amount you can purchase the car of your choice. You might want to steer clear of your repossessed car dealer until you have done it all. Conducting a comprehensive research on repo car sites would furnish you with basic information that would keep you at the top of the bargain.
Finally, there are different buyers and most dealers expect their customers to be dumb buyers. You’d never be able to buy a bank repo car at anything but the highest rates if you fail to do this research, because then you would never be able to beat them at their game. Again, if you are buying a repossessed car online or offline do not rush into anything if you are doubt. Looking back at the negotiations and watching yourself be dumb is not a sight you’d appreciate. You want to bring in your friends and family who own vehicles and hear what they have to offer too about repo cars because it may be more than handy.
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Tags: auto, auto finance, Auto Insurance, automobile, car, car care, car insurance, car safety, Finance, insurance, repo car, repossessed automobile, repossessed car, vehicle
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Sunday, July 18th, 2010
It can be said that no book or manual about do-it yourself auto repairs is fully complete without a section that concerns auto repair safety. Yet interestingly enough few budding or even experienced auto mechanics it seems pay serious attention to safety and basic safety procedures.
While it is true that vehicles are more trouble free, requiring less maintenance, and with more electronic and automated systems today does not mean “no maintenance” ever. Auto dealership service departments still do a roaring business. Even though some avid auto owners may insist that their cars, trucks or SUVs never ever “break down” , Toyota and other Japanese auto dealership service departments are still in business with plenty of repairs on hand, and a long queue if you wish to book your automobile for service.
What are some safety precautions that backyard and do-it-yourself mechanics and budding service technicians should employ as a matter of standard procedure and course?
It is a simple rule and basic safety prevention rule and standard never to smoke cigarettes or tobacco products when working on the fuel system or battery charging system. Gasoline vapors from the fuel tank, fuel lines, carburetor or fuel injections are more than extremely flammable. Hydrogen gas inside the battery, as well as lingering about the battery case, is dangerously explosive. The hydrogen sulfide gas emitted by charging (as opposed to dead) auto batteries can be set off by any or even the smallest spark. Once set ablaze the hydrogen sulfide gas can serve to explode the battery with its dangerous caustic battery acid- which can splash not only on your mechanics set of clothes but also onto their face, eyes or skin. Thus make it a solid rule to refrain from smoking any time that you are working on a car or under the hood.
Lastly in this day and age with late model and current vehicles having computerized engine components and systems overall – as opposed to older mechanical contact points and less elaborate ignition and control systems , always remember that these computerized electronics are more than sensitive to voltage overloads and fluctuations. It is little different than the sensitive nature of your home computer and how sensitive these computer systems are too simple, in a flash electrical surges. Always remember two things – one that ongoing and regular maintenance of your automobile is the best value overall and provides for the best safest and most reliable driving and motoring.
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Tags: auto, auto finance, auto financing, Auto Insurance, auto service, auto service centers, auto trades, auto transport, automotive, garage, new car dealership, transportation, Travel
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