Good news for New Jersey residents, IFA is lowering auto insurance rates! New Jersey drivers can expect on the average a 5% reduction in full coverage.

Improvements in overall vehicle safety, as well as more conscientious drivers have resulted in fewer losses for our company. IFA believes it is our obligation to pass those savings on to our Customers. By keeping rates low and by providing excellent service we have succeeded in building lasting relationships with our Customers,”

announced David Walsh, President of the IFA Insurance Company.

For decades we have seen the national auto shows, where the major manufacturers roll out their new models and a few flashy "prototypes" that will never see an assembly line. Then there are the rod and custom shows, populated thirty years ago by twenty- and thirty-somethings and filled these days with middle aged and older auto enthusiasts who still love classic American cars, both stock and in all the different permutations of customization they have gone through over the years.

And of course there’s the Concourse D’Elegance crowd, oohing and aahing at priceless Ferraris from the fifties and sixties as well as the older exotics such as Packards and, going even further back, Hispano-Suizas and Auburns.

For those who lived American Graffiti and those who live for the foreign classics, if you’re involved at all in building, maintaining or participating in the fellowship that has built around classics and exotics, you should consider utilizing a website.

First of all, it’s a great way to show off your car or cars, whatever you’ve got in the garage that is carefully driven once a week and towed, gleaming, to car shows. Secondly, it’s a communications device for like-minded collectors or builders that may be interested in your specialty - whether old Corvettes or sixties Alfa Romeos. There are current web sites for national and regional organizations as well as a number of sites that specialize as classified advertising for scarce auto parts.

A personal site, however, is going to give you a far different type of interaction with your fellow wrench addicts. Instead of searching impersonal national websites for parts or people with similar interests, you can use your site to bring them to you. Proper use of keywords and perhaps a classified ad or two online will bring potential contacts to you personally, and there they will find a site with photos of your car(s), your shop and a little history about your involvement.

You don’t have to find contacts like that at shows or in pulp publications for parts and project cars. A properly designed site for a car enthusiast that elaborates on his area of interest and the history of his cars will give that person a potentially national social role in the company of his peers, just as the kids are using MySpace to communicate.

You can advertise for parts, show vehicles for sale - with unlimited photos and videos, if you wish - and put the word out for a car you might be seeking for your next project. This approach will also limit your needs for entering ads in national locations. All you need to do is mention "55 Chevy for sale at www.old55.com" or whatever your site address is, and the interested parties will come to you. No more details listed in long paragraphs done in tiny print - and no more photos of your car on a page or in a lineup of dozens of other vehicles.

When you next go on vacation the best way to explore a new country is by car. Renting a car allows you to sightsee at your own pace to tourist spots of your own choice. You can easily rent cars from car rental services, but there are certain things you should keep in mind when you are renting a car abroad.

* It is a good idea to make all arrangements from the USA itself before you embark on your vacation. If you rent directly in a foreign land the language and cultural barriers, the foreign currency conversion rates, unfamiliar rental rules and other differences may utterly confuse you. Instead if you rent right from your home country, you are more likely to catch the hidden costs such as late penalties, gas charges and others.

* Make sure your billing starts right from the time of the drop-off. Remember, there are agencies that charge on a full 24-hour basis, even if you use the car for lesser hours per day. Avoid these types of car rental agencies.

* There are various types of discounts that are available on car rentals internationally. For example, the frequent flyer discount, credit card discount, AAA discount or senior citizen discount etc. are the most common type of car rental discounts. Insist on getting the discounts if you qualify for them.

* When you are booking in advance, consider the prospective size of your luggage and the number of people traveling with you. In case the luggage and the size of your group are small you can consider a smaller car. But if you feel you are going to travel with a big group or have big or quite a few luggages, then book a roomier car.

* You should carry an international driving permit with you. It is recognized by some 150 countries. However you must be at least 18 years old to obtain an international driving permit. In the USA, two agencies are authorized to issue the document: the American Automobile Association and the American Automobile Touring Alliance.

* Do not expect to rent a luxurious or automatic car in other countries as you would expect to rent back home. For example, if you rent a car of European make, there is a high possibly that you have to drive a manual stick shift car. However, since you are not familiar with your way around in a foreign city it is better that you insist on renting an automatic car even though it comes at a higher price tag.

So you see, driving in the foreign land is much more than laughing about driving on the wrong side of the road! Be prepared and carry the right documents for safe and happy driving abroad.

Many companies offer services for car hire in Murica or at the airport. San Javier airport in Murica is located at the northern shore of the Mar Menor. Since 1996, this airport has experienced tremendous growth in flights for tourists. This has resulted in more car hire companies operating in and around the airport.

Car Hire Murica Planning

Consider the size of the car you will need. An economy car is cheaper in terms of rental rates as well as fuel costs. A smaller car will get better gas mileage. If you are travelling with your family or a larger group, you may need a larger vehicle. Otherwise, a compact is a good choice.

Consider insurance when you are planning a car hire. You may have coverage with your car insurance or credit card company. Check with your broker before your tip. If you are already covered, you can save between $5 and $10 per day on your rental costs.

Book in advance for any car hire. You will pay more if you don’t reserve in advance. In addition, your choices may be limited. If you are travelling in the busy season, which is summer, you may not get the car you need. In the very busy weeks, you may not be able to get a car at all.

To hire a car, you will need the proper documentation. Most companies will ask for your driver’s license, proof of insurance and a credit card. Find out in advance which cards are accepted. Many companies have a minimum age requirement for rentals.

Inspect the car before you leave. Take not of any scratches, dents or areas where the paint is chipped. Call these to the attention of the company’s representative. Be sure all damage is noted on the rental agreement. If possible, take pictures with a digital camera to record the damage. You don’t want to be blamed later for damage that was already there when you picked up the car.

Comparing Companies for Car Hire Murica

The rates for the same car can vary considerably from company to company. Compare basic rates and the fees for extras. Some offer all inclusive rental packages, while others charge for extras. These extras can include insurance, mileage, the cost of additional drivers, airport taxes and other fees.

Find out what is included in the price you are quoted. If the company charges a basic rate with add on fees for extras, have the clerk calculate all expenses at the time you are given the quote. This will give you a more reliable comparison.

Get the agreement in writing and be sure to get a confirmation number. You don’t want to go through all the work of comparing prices only to end up paying a higher price later. A quote in writing with a confirmation number for your reservation will help you avoid headaches later.

Compare the cost for picking the car up at the airport or renting in the city. In many cases, there is no real difference in cost. In other cases, you may save money by hiring a car in the city. Most companies will provide transportation to and from the airport. In general, it is cheaper if you pick up and drop off the car in the same location, whether it’s in the city or at the airport.

Compare daily and weekly rates with each company. The weekly rates are often cheaper. If you are staying five days, it may still be less expensive to reserve the car at the weekly rate. You can still return the car early and save money.

Look for coupons or discounts for your car hire. If you book your flight through a travel agent, you may get a discount on a car hire. Organizations such as AAA or travel clubs often offer discounted rates to members. Travel magazines sometimes contain coupons for rental fees. Find and use any discount you can to save money.

Listing a car on motors” rel=”tag”>eBay Motors has become one of the most popular ways of selling a car. With over 3 million unique visitors to eBay Motors UK each month, a car is sold every two minutes. eBay Motors has a number of distinct advantages over straightforward classified ads, not least the space to fully describe the car, add multiple photos, and the reduced hassle of only having to deal with one buyer, the buyer that wins the auction. Clare Gilmartin, the head of eBay Motors UK, reaffirmed this by saying, “The beauty of eBay Motors is that there’s no need for negotiation and you see the buyers bidding up the price, with sellers often getting more than they expected.” In actual fact, many buyers go on eBay in search for a bargain. Therefore the following guide has been put together to ensure that your car doesn’t become one of those bargains.

The first step is to do your homework. Find out the trade-in value of the car through getting an instant valuation from a website such as wewillbuyyourcar.com. Then use the excellent used car valuation tool on parkers.co.uk. Use these two valuations to identify a fair price for your car. Be sure not to set the reserve price to high, as this will scare off many potential buyers. Often products and cars with lower reserve prices will end up receiving higher bids and a higher final sales price.

Perhaps the most important aspect of selling your car on eBay Motors is the description of the car. There’s a wide choice of cars for sale on eBay so a poor description or missing details will result in people bidding for other cars. Firstly, a picture says a thousand words. Several pictures say even more so be sure to include photos of the tyres and the inside of the car as well. Mention that you have all the relevant documents – the V5 Registration Document, MOT Certificate, and Service History. Also explain your payment terms and whether you offer delivery or collection only.

Aside from the eBay description there are other steps that can be taken to help buyers feel more confident. Consider purchasing an AA Car Data Check. This will provide details of whether the car has been written off, if it has a finance agreement against it, along with a full description of the car, including details such as engine size, fuel type and date of first registration. Mentioning that the AA Car Data Check can be viewed will really help to instill confidence into potential buyers.

Once the auction has begun stay involved in the process of selling your vehicle. Assuming that you’ve accurately described the car and added various photos, only serious buyers will get in contact. Respond to any questions quickly and accurately. Finally, once the auction has been finalised payment must be made. Many people choose to use Escrow.com, eBay Motor’s finance partner, which acts as a secure third party to protect both the buyer and the seller. The buyer pays escrow.com, the car is then collected or delivered, the buyer then checks over the car, after which point Escrow pays the seller.

Generally, making a successful and satisfactory sale on eBay Motors is all about establishing credibility. The feedback score helps but a detailed description, multiple photos, an AA Car Data Check and the use of escrow.com all help greatly to make buyers feel more secure, ultimately encouraging them to bid higher.

Today’s vehicles are equipped with an array of warning lights. Of course we’re all familiar will the seat belt warning and the door ajar indicator; however, with the automotive industry’s technological advancements there are a number of warning lights that can be quite alarming.

Following is a Question and Answer Guide on some of the more common Warning Light concerns. Note: due to the frequency of the Check Engine Warning Light, it has a section all its own. Visit www.repairtrust.com/check.html.

1) SRS Light (Supplemental Restraint System): the supplemental restraint system is your Airbag System. It may incorporate a variety of active, passive, and even pre-safe technology depending on the vehicle. Given that the SRS System is a safety system, it is well monitored with numerous sensors and automatic self-tests. The slightest malfunction in this system illuminates the SRS light.

“Can the vehicle be driven with an SRS Light on?” Yes, at the owner’s risk. There are thousands of vehicles on the road without SRS technology.

“Is the airbag going to blow up?” It’s unlikely. When the SRS Light is on the system is inoperative.

2) ABS Lights: The Anti-Lock Brake System Warning Light is another common occurrence in today’s vehicles. The ABS system helps to keep you from skidding out of control during braking by limiting your wheels from locking up/skidding.

The ABS system is often integrated with traction control and stability systems, all of which are designed to keep you safe during panic stops, wheel slippage, and handling.

“Do I need brakes?” You might, but that’s not why the ABS Light is on. The ABS Warning System does not monitor disc brake pad or disc brake rotor wear (see the Padlight Warning section below)

“Can the vehicle be driven?” Like the SRS system, the vehicle can be driven at the owner’s risk as there are many vehicles still on the market without the enhanced safety features of ABS.

“Why is my ABS light on? How do I reset the ABS Light?” These are simple questions with a multitude of answers depending on the vehicle in question. For a QUICK and FREE solution, follow the information and guidelines for Resetting Check Engine Light, and apply them to your ABS light.

3) Low Coolant Light: The Low Coolant Light will come on when the coolant drops below the coolant level sensor—generally one to two quarts. If this light is on, there are two primary possibilities. The most common is a coolant leak. The other is an electrical fault in the warning lamp circuit. Have them checked out.

“Can it be driven?” If there are no major leaks, the vehicle is not overheating (and does not start to overheat), and there is still some evidence of coolant in the overflow bottle, it can be driven. If you can see coolant leaking on the ground—tow it. When in doubt, always tow it!

4) Red Oil Light On: Stop driving immediately and shut the engine off! If a Red Oil Warning Light comes on PAY ATTENTION.

The best case scenario is that your engine oil is a little low. The second best case scenario is that there is an electrical issue with the Oil Level Warning System circuit.

First, follow your owners’ manual’s instructions to check your oil. If low, add as recommended—make sure you don’t see it dripping or pouring out on the ground, which would indicate a “major” engine leak.

If the oil is not low and your engine is making ticking, knocking, or unusual noises, Tow it!

If everything appears ok, and you’re a bit of a gambler, it may just be an issue with the warning lamp circuit. In this case, get your vehicle checked out at your earliest convenience.

The worst case scenario is internal engine damage.

Note: many of today’s vehicles have very sensitive and sophisticated Oil Level Warning Systems. You may be alerted of oil level too high, or oil level too low. Again, refer to your owners’ manual’s instructions.

So whether it’s a 1993 Ford Aerostar Check Oil Light, or a question of “Why does oil light flash in Saab automobile,” PAY ATTENTION!

5) Red Brake Warning Lights: Generally, Red Warning Lights mean DANGER. In the case of a Red Brake Warning Light, there may be a hydraulic brake fluid leak. If the brake pedal feels abnormal or spongy—don’t drive—Tow It!

“Can I drive it?” If the car is stopping ok, and you’re a gambler, go ahead. If the brake pedal feels different than usual, or if the vehicle is not stopping properly, don’t drive it!

Note: make sure that your emergency brake is not on or partially engaged, as this will illuminate a Red Brake Warning Light.

6) Yellow Brake Warning Light (Padlight): This is an early warning system for brake pad wear. Essentially, as your disc brake pads wear down, at a certain point a sensor is tripped to alert you that you will need brakes soon.

“Can I drive the vehicle, and for how long?” Yes, you can continue to drive. How long depends on your driving style. City drivers (city driving is generally harder on brakes due to the constant stop and go) will likely need their brakes addressed before someone who does primarily highway driving.

“Will I do more damage to the brakes?” Depending on how long you continue to drive you could conceivably wear your disc brake pads down to the metal backing plate, which could then damage your disc brake rotors and, in rare cases, the disc brake calipers. However, with many of today’s brake systems, the replacement of the disc brake rotors along with the disc brake pads is required or strongly recommended.

Important: It is better to have your brakes checked early to increase the possibility of saving money by not having to replace the rotors. However, many of today’s brake disc pads and rotors require replacement not due to wear, but due to rust and corrosion; thus rotor replacement is often necessary anyway. Brake calipers rarely need replacing during regular brake work.

7) Air Suspension Lights (Airmatic, Air Ride, Hydraulic Suspensions): Suspension Warning Lights illuminate when the suspension’s monitoring system has detected a fault. Often there is a leak—either air or hydraulic fluid.

“Can I drive it?” Sometimes. But if the suspension is lower than usual, and/or the vehicle just doesn’t feel right—Tow It! Extensive damage could result if the suspension drops too low while driving.

Note: air suspension system repairs are best left to the best, state-of-the-art service center you can find, preferably a dealership.

Tire Pressure Warning Light: This recent technological development causes quite a bit of confusion. Put simply, if your tire is getting low on air, your car lets you know via sensors mounted in various places depending on the model.

“What is the low tire pressure warning light reset procedure?” Sometimes the reset procedure is as simple as pressing a button. Other times one has to set the tire pressures, recalibrate the on-board computer, genuflect and cross two fingers. Check your owners’ manual or call a specialist or dealer.

Note: Local shops and franchises (for the most part) lack familiarity with Tire Pressure Monitoring Systems given that this is a fairly recent technological development. You can refer to How to Reset Check Engine Light, and follow the tips, and suggestions for getting it reset.

9) Emission Warning Light: This light is similar to the Check Engine Light. Many European models such as Volvos have this type of Warning System. It’s essentially letting you know that an emissions component has failed or detected a fault. Follow the Check Engine Light information and tips to address this particular warning light.

Note: make sure you take it to a shop equipped to handle emissions work.

10) Resetting Oil Lights (Oil Change Warning Lamps): Whether it’s a Toyota Oil Light Procedure, an Oil Change Warning Light Reset 2005 GMC Envoy, or the process to Reset 1999 M3 Oil Service Light, all require a specific course of action.

Most owners’ manuals have this information. You should find it under maintenance or oil service. You can also call your local mechanic, who resets oil service lights everyday on a variety of models. A dealership will certainly have the information; however, finding someone in a dealership who can translate it effectively may be difficult.

If the above fails, see the process for Resetting Check Engine Light.

Note: several European models require special tools to reset the oil service light, thus it’s best to call or visit a specialist or dealer.

Note: This information is not a substitute for your vehicle’s owners’ manual. It is meant to be a general guide. Always refer to manufacturer vehicle-specific guidelines.

Note: PAY ATTENTION to how you are billed for any of the above warning concerns. Because of their technical nature they can get “unnecessarily” very pricy, quickly.

I enjoy reading the tips and suggestions on finding an honest or good mechanic. These can be found on various government and consumer websites, and in a variety of auto repair articles. I think the same guy wrote all the suggestions, and for all 50 states!

You’ll be advised to check around by word of mouth (WOM), and make sure that you see ASE or AAA posted somewhere. Check out the facility—make sure it’s clean. Check with the Better Business Bureau (BBB). You’ll be acronymed and common-sense-suggested to death. Unfortunately, none of it will really help either for quality or price.

I know AAA certified shops that can barely change oil. I have worked with ASE certified technicians that frightened me with their diagnostic theories. I know shops that are considered great that have serious BBB scars.

And WOM is the worst method. I have heard clients rave about how wonderful a particular shop is when “I KNOW it’s run by a thief!”

The sad fact is that very few people know what goes on with car repair, and even less comprehend repair pricing—even shop managers and purported experts in the field know very little.

Tips and suggestions only scratch at the surface of the automotive underworld. Sure, some tips might help. But what’s really needed is experienced insider information.

The consumer needs to know what really goes on with repair “pricing” in order to make sense of auto repair costs. With the right guidance and information, the playing field can be leveled, and the automotive customer can easily take charge of car repair prices.

Traditional tips and suggestions are only a band-aid on an open, gaping wound. Relying on these is like trusting a blind man to lead you across a major interstate. You might make it, but wouldn’t you rather follow a traffic cop.

Every year in the UK over 7 million used cars are purchased, with many of these cars being purchased privately direct from the owner. Whilst this can often be the route to achieving the best bargains it can also become very expensive in cases when it emerges that the car has a number of problems or a previously unknown history. In order to reduce the likelihood of being caught out we’ve put together the top tips when buying a car privately:

• The first step is to do some research about your desired car. Check classified ads and trade guides to get a good idea of prices. Parkers.co.uk is an excellent site and contains a free used car valuation tool and thousands of reviews and ratings.

• Once you’ve decided on which car you’d like to buy and have found a possible seller always go and take a look at the car in daylight.

• Take a friend along with you. If problems occur in the future it’s very useful to have a witness available to validate what was said.

• Check that the car has not been clocked. The average mileage is 12,000 miles a year. Have a look at the tyres to see whether this looks right or if the car has new tyres ask the owner for details of its servicing history.

• Always go for a test drive. However, make sure that you are insured to do so and if the seller says that he has cover ask to see his policy.

• Carefully check the log book, officially known as the V5 or registration document. In particular look for the chassis number, known as the vehicle identification number (VIN). This will usually be located on a small plate on the driver’s door or in the engine bay. The absence of a VIN number strongly suggests that the car has assumed the identity of someone else, probably because it has been stolen at some point in its past.

• You could also consider purchasing an AA Car Data Check. Importantly this will include a full description of the car, including engine size and date of first registration, so you can be sure of what you are buying. It will also tell you whether the car has a finance agreement recorded against it, if the car has been written off, and whether the car has had any number plate or colour changes.

• The chances are that at some point you’ll enter into negotiations over the price. Have a highest price and target price in mind before entering into negotiations. If your two offers are some way apart you try not to say anything. Car salesmen use this tactic all the time as people find silence uncomfortable. Try this and the seller will often suggest meeting half way, at which point you can propose meeting half way between your offer and the new offer, getting yourself a better deal.

• Finally, if interested in the car consider having it independently checked by a reputable garage. Reputable sellers will understand this so be wary if the owner of the car is against having it checked.

The advice is all the same for auto repair scam prevention. You’ll be told to find an ASE certified shop. Ask around. Check out several different repair facilities first. Are they clean and neat? Do they provide written estimates? Check with the BBB. Is it AAA certified? Some will even advise to “ask for the parts back.”

Traditional tips and suggestions merely put a band-aid over an infected, gaping sore. Strong antibiotics are required to address the root source of the problems in the repair industry. To provide repair customers with the above advice is like sending a soldier into combat dressed in a pink tutu. We have to stop scratching at the surface.

There has not been any “new” advice in decades. More importantly, no one has answered why car repair scams have reached an estimated 40 billion dollars per year. Moreover, why is there still no solution to stop car repair scams?

The first hurdle to conquer is the perception of the frequency of auto repair scams. Many folks just don’t believe that car repair fraud is all that bad. Some even argue that the vast majority of repair shops do an honest day’s work, and that a few bad apples are making the rest look like crooks.

This is an interesting argument, and raises a number of questions.

1) If it is only a few “bad apples,” where are they hiding the 40 billion? 2) If most repair shops are honest, why does every state warn against car repair scams? 3) Why are auto repair shops at the top of consumer complaint lists every single year, in every state?

This is even expanding across the continents. For example, just last week Australia listed car repair scams at number 4 on their top 10 consumer complaint list.

The perception of frequency gets distorted because there are a number of levels to repair scams. There are the blatant rip-offs covered in the news. For a great video visit “Repair Scams Caught on Video” @ www.repairtrust.com. Then there are the common scams such as exorbitant prices and estimates, and aggressive scare tactics to get service customers to perform services. These occur every day.

The repair scams uncovered by RepairTrust not only found the tactics listed above and more, but a powerful undercurrent of scamming at the foundation of the automotive service industry.

In reality, most car repair scams go unnoticed by the service consumer. Service customers just have no idea that they were ripped-off. This under-the-radar scamming occurs in dealerships, local shops, and franchises. Affiliation with ASE, AAA, BBB, NADA makes no difference.

An ASE patch on a technician’s arm, or an AAA or BBB sticker on the door of a service center means absolutely nothing in terms of a scam-free facility. Word of mouth recommendations can be just as devastating, as even shops that “seem” honest aren’t.

Check out “Car Repair Prices: There Are No Honest Mechanics” @ Isnare or RepairTrust for further discussion on this. Also, for NEW and FREE scam prevention tips visit the Car Repair Scam Articles @ RepairTrust.

Traditional tips are ineffective in today’s service industry. Service facilities have found new and ingenious ways of ripping people off. In truth, many of the old tips and suggestions have actually become weapons allowing service centers to indulge in car repair scams more than ever.

The car repair playing field must be leveled. Service customers need solid answers, and they need to be equipped with information, understanding, tools, and an insider’s view of the who, what, when, where, why, and how of price-gouging.

Navigating the dim underworld of today’s service centers with outdated information will cost a fortune.

Your car has broken down, and now you need to pay for towing, and repairs. Sometimes these repairs cost unexpected hundreds or thousands of dollars. What are your options?

1. Be Prepared

The best way to avoid an emergency is to be prepared for an emergency. If you can set aside a little bit of money each month in case of any emergency (be it medical, automotive, or accident), then you will be able to manage any unexpected situations. However, if the time has come and you haven’t planned ahead, there are still some ways that you can get money.

2. Stay Calm

One of the most common mistakes that is made during emergencies is to lose your cool. If you lose your cool, you might forget to use common sense. Use your common sense to shop around. Even if you need a tow right now, consider calling a few places for quotes before having them send someone over. The ten minutes that it takes you to make some comparisons might save you twenty dollars or more. That makes the use of time well worth your money. Remember, you will be late anyway, so take your time in getting there.

When the tow truck driver arrives, be sure that you know where you want to have your car towed. You should also do some comparison shopping for this. You can even call a friend and have them make some of your phone calls for you. If you don’t know what is wrong with your car, have it taken to a mechanic or dealership that you trust. They will tell you what’s wrong, and you then be able to decide how much (it might be all) of the work you want to have done.

3. Review your Options

When you buy a car, you often get a warranty. You might be signed up for AAA or CAA. Your insurance company might cover some of the repairs needed for your car. Before you go about paying for all of the repairs out of pocket, find out what repairs are covered. Then get approval from the institution that will help you pay. It is easier to get them to pay upfront than to get them to reimburse you.

Consider keeping a membership for CAA or AAA. This means that you will have free towing if you are ever in an accident or if you ever have a breakdown. There is an annual fee, so you would have to weigh the pros and cons of membership. I, personally, find that I have gotten a lot back from my membership, including a peace of mind knowing that I am covered while I travel.

4. What NOT to do

If you need to pay for your emergency repairs, do not get a pay day loan. Pay day loans have exorbitant interest rates and will make it hard for you to get back on top of your debt.

5. Get the best interest

Find out where you will be able to get the best interest rates for the money that you will have to spend. If you take out a loan, then you will be able to pay it back in small pieces throughout the year, rather than taking an upfront loss. This also works if you cannot pay for your car.

If you put the car repairs on your credit card, remember that you will probably be paying a higher interest rate than if you got a car repair loan, or if you went to a bank or credit union. Check the interest rates that varying places offer, including at the dealership if you are having your car repaired there.

6. In the meantime

While your car is in the shop, be smart about how you get around. Don’t take taxis everywhere if you can’t afford them! Ask friends for lifts; they will understand if you are in need because of unexpected car repairs for a few days. Take the bus for a few days. Walk or bike, if possible. Set up a temporary carpool with a co-worker (this could even work for you when you get your car back!). Don’t let the expense of car repairs get larger because you don’t have your car.