Even if it is just chemicals outgassing, there’s nothing like that new car smell. It says you’re smart, responsible and successful. In fact, the only thing better than the new car smell is the pride you’ll feel as you take your new wheels for a spin.

It’s certainly no secret that driving a stylish new car is fun and exciting. New cars carry warranties that protect you from unnecessary maintenance and repair bills for extended periods of time, so they can be great investments. The secret is in buying a brand new car, truck, van or SUV without deflating your budget. For many smart shoppers, the right car loans turn their new car dreams into realities.

Direct Auto Financing

One of the biggest money-saving actions you can take in purchasing your new vehicle is with financing through an independent car lender. This borrowing plan is referred to as "direct financing" or "direct loans."

Direct financing is any kind of financing action, set up by you, without the help of the car dealer. There are considerable savings and minimal risks involved in direct loans, making them the best option for many new car buyers. When you walk into a dealership with a guarantee new car loan in hand, you’ve got automatic bargaining power. You’re able to have an upper hand in negotiations, and you can stand equally to your dealer. In the end, this increase flexibility keeps you from falling into the common trap of dealership price fixing and additional financing costs.

Shopping Strategies

The first strategy in shopping for new car loans is securing independent financing. With that in mind, allow yourself further flexibility by applying for a loan limit of at least a little over what you expect to pay. This gives you extra room for flexibility at closing time, without having to worry about the loan limit. Of course, you’re under no obligation to use your entire loan limit. Arranging for automatic payments is another way to lower your rates. By having your car loan payments deducted electronically from your bank account, you can save more money over the duration of your loan.

Price Haggling

Car dealers are seasoned professionals who are trained to get every dime out of you.

For that reason, it’s no wonder that so many people part with a lot of money after "negotiating" with a car dealer. Unless you’re an experienced negotiator, or have an armor of thick skin, going through a new car purchase can be an agonizing experience. The best protection from slick sales types is to walk in to the dealership with your financing already in place. When you’re in this position, you’ll find car dealers haggling with each other to get your business. Talk to local car dealers, and make it clear to them that you’ve been shopping around. Let them understand that you won’t settle for anything less than the very best deal. This leaves the dealers working to get your business, while all you need to do is choose the best one.

Owning a new car can make you feel like a million bucks, without feeling like you’ve just spent a million bucks. Shop around for car loans and make smart financing decisions, and you’ll soon be cruising along and taking in that new car smell.

We live in an age of information and technology that has made everything around us smarter. Electronic and digital components have made life easier in our homes, offices, and automobiles.

Some of life’s bells and whistles, like nose hair trimmers, are no more than budget-grabbing gizmos. However there are many intelligent tools that can bring convenience and safety to our daily tasks.

In the vast world of "smart" technology, the automotive electronics market is king. Indispensable features such as anti-lock braking systems and electronic stability control are perfect examples of smart and safe automotive electronics.

Recent developments by industry experts have created a huge increase in the number of electronic devices installed at automotive plants. Just to give you an idea of how quickly cars have evolved electronically, the Apollo 11 space craft traveled to the moon and back using a mere 150 kilobytes of onboard memory. It’s remarkable to think that the typical CD player uses a whopping 500 kilobytes just to keep our favorite songs from skipping.

Listening to uninterrupted music is a mere iota of how electronics have impacted a car’s performance in order to benefit drivers.

Telematics is the term used for the technology that involves automobile communication systems. The term was originally used to describe the blending of telecommunications and informatics or information technology. This industry has been gaining more and more attention from car manufacturers over the past years. In the mid-1990s, industry insiders predicted that telematics would become "the" go-to technology; increasing overall sales and more importantly, transforming the automotive industry into a major player in mobile technology. In reality, these forecasts panned out to be less than what was predicted. From an initial industry projection of over $40 billion dollars, the figure has been whittled down to half as more conservative measures were considered.

Nevertheless, that is by no means an indication that the development of this telematics technology has been or will be abandoned. In fact, on average automobile manufacturers spend $2000 on electronic systems for every vehicle that comes off the line — in incredible increase from the $110-per-car budget of the early 1970s. This huge increase in spending is reflected in everything from engine performance to entertainment systems, security features to safety devices. Every component of the vehicle works together to provide automobiles that perform better, are more comfortable, and ultimately safer to drive.

Some of the most common smart and safe automotive electronics are as follows:

Controller Area Network More than one computer runs your car. There is actually a network of computers called the Controller Area Network (CAN). Like a LAN (Local Area Network) that’s commonly used in home and business computers, the CAN links computers together. In your vehicle, the CAN basically links the many separate computer systems together and allows them communicate with each other. These interconnected systems involve everything from critical systems like engine management, cruise control and anti-lock brakes and cruise control, to less-demanding applications like automatic window and seat controls.

Fuel Efficiency Skyrocketing fuel prices have forced automotive manufacturers to realize the need for fuel-efficient vehicles, and to meet that demand. Smart automotive electronics are used to create the more efficient burning of fuel, such as the electronic fuel injection system (EFI).

The technology used in hybrid vehicles takes this one step further, with electronic devices that allow the driver to automatically switch between gas and electric engines.

Safety Devices There are generally two categories of devices designed to protect the safety of the driver and passengers: active and passive safety devices.

* Active safety devices: These are systems that constantly work to ensure the safety of drivers and passengers. Examples of active safety devices are dynamic steering response (DSR), traction control (TCS), and acceleration slip regulation (ASR).

While the average driver may not notice these systems at work, they are constantly sensing road and driving conditions and adjusting the car’s performance accordingly to create a safer ride. Electronic Stability Control has been shown by researchers to have a large safety benefit in reducing single vehicle skids.

* Passive safety devices: While these features may be more visible and seem simpler, they are also controlled by smart and safe automotive electronics. Thanks to developments in electronics and technology, airbag deployment has seen a tremendous amount of improvement over the years. Early airbags would deploy too early or too late, offering little or no benefit to the driver and passengers. Now, more advanced systems have created devices in your car that are actually programmed to the conditions that can lead to a high collision impact. Airbag and seating adjustment systems are deployed to minimize impact and decrease the degree of injury to the people inside the vehicle.

Think of the advancements over just a decade, and you’ll agree that the car of today certainly is a far cry from its predecessors. Modern automobiles offer more than simply a means of getting from point A to point B. Smart and safe automotive electronics make "getting there" as comfortable and as secure as possible.

When it comes to getting the best car loan, you need to do a four-step process. You need to first determine you financial situation, shop for a car, do some research, and then go back to the dealership. When you go through the buying process without skipping a step, you will surely get the best loan that you will ever find.

First, you need to determine your finances. You need to know how much you can spend before you go for a loan. You need to make sure that you can afford the car financed and live comfortably. What you need to do is sit down and think about all the extra money that you have at the end of the month.

You will want to subtract gas money, car maintenance, and then you will find a reasonable amount for a car payment. You need to be able to subtract all your bills and expenses from your income to get your disposable income. This will give you an idea of what kind of money you can throw around. You will want to make sure that you leave a percent in your account for costs that pop up every now and then.

When you go to the dealer to find out what you can afford. You take your estimated purchasing power and tell your dealer. Clearly, state that you can pay whatever, however, makes sure that includes all the fees of purchasing a vehicle. You may need plates, registration fees, taxes, interest rates, and so on.

Once you have looked over some cars, you can them jot down some pin numbers to get a car report to make sure that you are getting the most for your loan. Then come back to the dealership and haggle if you must. This is the time when you go home and you research everything. You need to research creditors, you need to research the car, and you need to ask around about the dealership.

You should go home and compare interest rates. You can get many of the quotes for free, and then you can find out whom you want to file with. You want the lowest rate possible so that you don’t end up over paying too much for a vehicle.

Then when you go back, try to ask the dealer to lower your payment or your monthly payments. This is when you need to take full advantage of discounts and sales or rebates. You should also ask your dealer if there is anyway that they can get you a loan with a lower interest rate. They may go back and crunch the numbers and you’ll find it to be a great experience, but then some times you have to settle for an interest rate less than desirable because of your credit rating.

The beginning of the Harley-Davidson Motor Company in 1903 was very impressive. The founders, Bill Harley and Arthur Walter Davidson, began at a prototype with a small engine- so weak that it cannot conquer the Milwaukee hills. But, all things must have started from small beginnings. And that was exactly what happened to the Harley-Davidson Motor Company. Schoolboys, as they can be considered, Bill and Arthur may have been born to give contribution to the motor industry.

The concept of the first Harley-Davidson motorcycle was very advanced at that time considering that fact that these two individuals were living in the period where horses were still the main form of transportation and automobiles were still developing. Bill and Arthur lived in an era where motorcycles were still in infant stage. What was more surprising was that, Bill and Arthur were still too young to be founders of a company then.

The prototype may be considered a success but could not produce more power to be efficient in hills. As resourceful as they were, Bill and Arthur made stronger engines that produced more power and speed.

That very same year, Harley-Davidson made its very first sale. Two years later they had made 11 motorcycles. And in 1908, they had made 154.

As the years went by, the company had produced and sold more and more units. Harley-Davidson, which started at a small backyard of a modest home, grew to become a motorcycle empire in a very short span of time.

Innovations after innovations and awards after awards, Harley-Davidson Motors had increased its reputation as the leader in the motorcycle industry.

Harley-Davidson was one of the 2 motor companies that had been commissioned to mass-produce motorcycles for the government to be used for First World War and the Second World War as well.

Within the 100 years of the company’s existence, they had been challenged with so many trials. The company’s sale went off in some periods but they regained on the next. The company’s quality had been compromised but they had regained it. And like the toughness of the motorcycles they built, the company had remained tough.

After more than a century of motorcycle manufacturing, Harley-Davidson is among the most sought after motorcycle brands around the world. They have created several models that are truly world-class. Harley-Davidson will continue to manufacture quality motorcycles that are indeed an exiting machine to ride.

Who hasn’t seen that popular depiction of a car salesman as a slick, smooth-talking con artist out to sell you what seems to be a serviceable enough automobile, only to have it break down as soon as you drive off the car lot? This scenario has been used in countless movies and comic strips; unfortunately it’s not very funny if you are on the receiving end of a lemon.

We’re certainly not suggesting that all car dealers are unscrupulous hucksters lying in white for the next pigeon to come along but the sad reality is that there are people who, while not entirely deceitful, may “neglect” to mention hidden defects or slap you with a surprise bill for “additional” costs. Understanding your rights as a consumer and learning how to negotiate from a position of strength will go a long way in helping you get the best possible automobile deal for your money.

When you are first making inquiries at various automobile dealerships for a car you wish to purchase, take the opportunity to get a feel for the salesperson at each of the particular branches; to test drive them so to speak. It is important to take this crucial step before you get into the nitty-gritty of bargaining.

Trust your instincts; is this person someone you will want to deal with for such an important transaction? Do they inspire trust in you and make you feel comfortable? You will want to deal with a person who shows genuine concern about giving you what you need yet informed enough to suggest better alternatives.

On the other hand, if a salesperson is impatient or too insistent or possibly even downright rude, walk away; you don’t need the aggravation and there are certainly many much more accommodating car dealerships that will help you out.

Make sure you test-drive your potential car as much as is reasonably necessary and ask all the questions you need to know no matter how trivial; a good salesperson will know that every little question is a legitimate concern and it is reasonable to expect thoroughness on the part of a customer.

Another thing to be sure of is that the salesperson is clear and straightforward in all the aspects of the planned purchase.

It’s true: a salesperson’s ultimate goal is to close the sale. But there are good, knowledgeable salespeople out there who will not be afraid to suggest a totally different solution even if it affects his commission.

So you’ve chosen the car of your dreams, you’ve asked around all over the Internet for the best price, and you’ve made a long list of options and accessories for your new ride, complete with a fuzzy pair of dice.

Before you can drive your new car home however, there are some things to consider with regards to how much you will pay and what you will be getting for your money.

You’re first step is to decide how much you are willing to pay and how flexible you are with this chosen price point. You won’t want to pay several thousand dollars more than the sum you initially decided on obviously, but it is reasonable to expect that the actual price will be slightly off from your initial estimate or even the actual price quoted to you. This could be because of miscellaneous costs or service charges, which may only come to your attention when you receive the final invoice or bill of sale. Of course, you will want to be on the lookout for unscrupulous car merchants who may sneakily tack on some hidden charges but generally these add-on charges are reasonable and are there for a valid and legitimate reason.

The next thing to do is ask your dealer if they offer any incentives or rebates on the sale. The car sales business is a huge industry with plenty of competition so most dealers will probably have a few incentives to help sweeten the deal for any potential buyers. These sales offers could easily end up saving you hundreds of dollars off the purchase price of your new automobile.

A common incentive that car dealers offer is low-interest financing programs that will lighten your monthly car payments. Keep in mind though that as car prices vary from dealer to dealer, from region to region, so do the enticement packages; not all will offer equal value to their potential buyers so don’t expect to get the same freebies everywhere you go. Also you generally will need to have an excellent credit standing before you can qualify for low-interest financing.

Finally determine the rates for your monthly car payments (many online car dealers have rate calculators to help you determine this) and ask your car dealer for the final worksheet detailing all pertinent fees, including taxes and registration fees and don’t forget to apply any offered incentives to the final price.

“It’s all about beating the clock.” This quote comes from a wise old service manager, advising me on how to maximize my income as a flat-rate technician. If you have ever wondered why your car doesn’t get fixed correctly, or all your concerns weren’t addressed, you can blame, in part, the flat-rate pay structure.

Flat-rate simply means that your mechanic is paid a flat fee for a particular repair, regardless of how long the repair actually takes. In other words, if your car needs a water pump, which pays two hours of labor, and the mechanic completes the job in one hour, he gets paid for two.

In theory, this can work to your advantage. If the job takes longer, you still only pay the “predetermined” labor amount. In THEORY, not reality!

The flat-rate pay structure is designed to drive productivity. It’s very effective. The flat-rate pay system encourages technicians to work hard and fast, but it does not promote quality.

In terms of getting your car fixed correctly, the flat-rate pay structure has disastrous effects. Flat-rate technicians are constantly looking for shortcuts to beat the clock in order to maximize the number of hours they bill. Experienced flat-rate technicians can bill anywhere from 16 to 50 hours in an 8 hour day.

It’s these shortcuts and the breakneck speed at which flat rate technicians work that result in some of the most idiotic mistakes. In the rapid-fire pace of a shop I’ve witnessed technicians start engines with no oil. I’ve seen transmissions dropped, smashing into little pieces onto the shop floor. And I’ve seen cars driven right through bay doors—all in the name of “beating the clock.”

Flat-rate technicians can get quite elaborate with shortcuts. My favorite was the implementation of an 6-foot-long 2-by-4, which was placed under the engine for support while a motor mount was removed. It made a job predetermined to take 1.5 hours achievable in twenty minutes. A win-win, right? The technician makes extra money; you get your car back faster.

Actually, in many cases the placement of this 2-by-4 damaged the oil pan. Moreover, it caused the car, your car, to balance precariously 6 feet in the air, while the technician manipulated the car lift to access your engine mount.

This tactic was abruptly discontinued when a technician’s 2-by-4 snapped causing the car to crash nose down onto the concrete floor.

Sometimes the shortcuts create very subtle disturbances, which create problems overtime. A quick example: a vehicle had its transmission serviced with a new filter, gasket, and fluid. During the procedure, the technician was able to save time by bending the transmission dipstick tube slightly, in order to get the transmission pan out faster. The vehicle was reassembled, and the technician re-bent the tube back into place and off it went—no worries….

Six months later, the vehicle returned with an intermittent misfire. The engine wasn’t running on all cylinders. After extensive diagnostics, it was discovered that the transmission dipstick tube had chaffed through the engine harness, intermittently grounding out an injector. Hmm, that’s strange. Don’t usually see that.

The high-speed environment and the subsequent shortcuts illustrate the devastating effects of the flat-rate, sales-driven pay structure on the quality of car repairs.

No wonder even an oil change gets screwed up!

The poor quality of work encouraged by the flat rate pay structure is disconcerting enough. Unfortunately, it doesn’t stop here. The negative effects of flat-rate get exponentially worse, as it opens “wide” the door to rip you off!

How much insurance does one need? You have the big four: home, health, life, and car insurance. Then there’s a second category, which starts getting a little hazy with credit card insurance, purchase protection plans, fraud insurance and more. Extended warranties, also called extended service contracts, or extended service policies fall into the mist of this second category.

Extended warranties are supposed to pay (in full or in part) for specified repairs for a specific period of time after the expiration of the factory warranty. They can be a great value. They can also be a significant waste of money. It gets quite foggy in the details. What exactly is covered? How long? How much? Are there hidden charges?

There are numerous extended warranty companies and an even wider variety of warranty packages available: silver, gold, platinum, platinum-plus, and a host of other confidence-building words. What’s the best plan, and are extended service contracts worth the money? Extended warranties, like life insurance policies, are a numbers game. They’re a gamble. You pay $2500-$4500 for a 2 year, 100,000-mile protection plan and hope that you get at least that back in warranty repairs. The provider on the other hand, hopes to pay out less than it insured.

There are three major types of plan providers: The manufacturer, the dealership/third party, and third party providers. Each one has its assets and liabilities (discussed ahead).

What exactly is covered in an extended service plan? As mentioned above, what’s covered depends on the package purchased. Some plans only cover the power train: the mechanical components of the engine, transmission, and rear-end. Others cover the power train plus some electrical components. Still others cover electrical, advanced electrical, and computer components. Some only cover what’s listed in the contract. This is called a “Stated” or “Named” contract. This means that if it’s not stated, it’s not covered. Some cover bumper-to-bumper, similar to a manufacturer warranty, except trim pieces, upholstery, exterior components, cosmetic items, and a number of other exclusions.

Never before has the adage, “The devil’s in the details,” been so applicable.

Manufacturer Extended Plans: Extended service plans from the manufacturer are the best in terms of coverage, convenience, and quality. Coverage is similar to the warranty while the vehicle was under its original factory warranty—with similar exclusions stated above. The billing is direct, meaning you don’t have to pay out-of-pocket, except for a deductible, if applicable. Quality is great too, as an extended warranty from the manufacturer will only use factory parts. They also have money, so there’s less risk of bankruptcy.

The down side of manufacturer extended service plans is that they are not cheap. These plans are generally the most expensive, require low mileage standards, and necessitate servicing your vehicle at a dealer for coverage.

Dealership/Third Party Plans: Extended warranties from a dealership are actually from a third party insurer. These providers are “generally” reputable, but not always. However, if there is an issue (such as the warranty provider filing chapter 11, which is quite frequent in the extended service contract business), the dealer “may” step in to cover any repairs that would have been covered under the defunct plan. Also, claims are easier: billing is direct because the dealership has a working relationship with the provider, and there is usually agreement on price.

Some dealers set up their own “internal extended warranty,” which is honored by the selling dealer. This is rare, and should not be confused with a manufacturer warranty. Important: extended warranties are often passed off as “manufacturer” warranties. They’re not. This is a sales trick. Also be aware that there is a significant mark up, as the dealership is merely acting as the middle man. Lastly, extended warranty companies often go bankrupt without warning.

Third Party Plans: These plans are called third party plans because they are outside the responsibility of the manufacturer and the service center performing the repairs (unless there’s a working relationship with a repair shop as stated above).

There are hundreds of extended service contract companies. Some have good reputations, some don’t. Third party plans are frequently sold by used car dealers. You may also receive an official looking notification in the mail stating that your warranty is expiring, and directing you to call an 800 number ASAP. This is a marketing tactic by an independent warranty provider. Despite the “official” appearance of the postcard or envelope, it’s not from the manufacturer. Manufacturers do not send out reminders about warranty expirations.

Given the wide-variety of third party plans there are numerous red flags.

1) Claims: Extended warranty companies will be quick to tell you that filing claims is easy, and that the service center gets paid immediately via a credit card. Thus, there’s no out-of-pocket expense for you. However, the warranty company can’t dictate a service center’s policies. Some service centers will only accept payment from the repair customer. Thus the burden is on the repair customer to fill out the forms, contact their warranty company, and await reimbursement via check, which can take 2-8 weeks.

It is the service center’s responsibility to contact the extended warranty company to let them know what’s wrong with the vehicle and to check coverage. This process can take anywhere from 20 minutes to 20 days, sometimes more, depending on the degree of repairs and especially the amount. (See $1000 and Adjusters ahead)

Service centers and extended warranty companies frequently battle over the “fair” price of repairs. Many repair shops no longer negotiate, and just state the price, leaving the contract holder (i.e., the service customer) responsible for the difference.

2) Rentals: Rental coverage is a great benefit. However, there are fixed rates and time limits. In other words, the warranty company is not going to pay to have you drive a Mercedes-Benz, even if you drive a Benz. Rental allowances range from $25 to $35 per day. Also, rental coverage is based on the number of hours it takes to repair the vehicle, NOT how long your car has been at the shop.

3) $1000 and Adjusters: Repairs that approach $1000, or that require a significant amount of work, will be cause for the warranty company to call in an adjuster to confirm the diagnosis. This will delay the repairs by a minimum of 24-48 hours. It may cost you additional money when an adjuster is involved. You may be charged to have your vehicle pulled back into the shop for inspection, as well as for the time spent with the adjuster.

4) Tear-down Charges: In many cases, an extended warranty company will require that a particular component be taken apart for inspection to determine if the repair is indeed needed and covered. This puts the service customer in a very awkward position. The customer will have to authorize potentially hundreds of dollars of tear-down expense in the hopes that the repair is covered. If it’s not, the customer is out the hundreds in tear-down PLUS the actual repair. This does happen!

Common Myths:

1) “Extended warranties cover maintenance services and brake work.”

No. Extended warranty plans do not cover maintenance or wearable items. Brake pads and rotors are wearable parts. Maintenance such as coolant, brake and transmission flushes, tune-ups, services, oil changes, bulbs, wipers, and more are not covered.

2) “They told me it’s bumper-to-bumper, so it covers everything right?”

Wrong. Not even a factory warranty covers everything. When pitching the sale for the extended warranty, one is very often lead to believe that he or she will have nothing to worry about. This is just not true on so many levels. For example, if your bumper falls off it’s not covered.

3) “I don’t have to pay anything, right?”

Wrong. Despite the claims of 100% coverage, there are many factors involved. The labor rates, labor hours, diagnostic times, parts prices, and machine work are just a few items that often conflict with a service center’s policies. Some extended contracts only pay a maximum of $55 per hour, and only allow one half hour for diagnostic time. This is generally unacceptable to the service center, as labor rates have skyrocketed to over $100 per hour at many dealerships, and average $75 at local shops. Moreover, with the complexity of today’s vehicles, diagnostic time is at a premium. The customer pays the difference.

4) “If I have an expensive problem, I can just purchase an extended service contract.”

It’s unethical, but it’s an option many attempt. However, most service contracts have a minimum time requirement before the first claim can be filed: usually three months. Also, many contracts require that your vehicle be inspected by a service center to check for pre-existing conditions—just like life insurance.

5) “My contract lasts up to 100,000 miles.”

Only if the time limit doesn’t run out first. All extended warranty plans have a time limit. For example, a typical contract will state that the vehicle is covered for two years or 100,000 miles, which ever comes first. During the sales pitch, however, the emphasis will be on the 100,000 miles, not the time.

6) “If my car breaks, it gets fixed like new.” Actually, depending on the contract, an extended warranty company can insist on installing remanufactured or even used parts.

Items commonly not covered by extended warranties: • Any component with a pre-existing condition • Any component related to a Technical Service Bulletin (TSB) • Many components that has been updated by the manufacturer • Extra components necessary “due to manufacturer updates” to complete the repair • Trim pieces: molding, cup holders, dashboard, console, body parts, glass • Many accessories: radios, DVD players, TVs • Many expensive electronics: climate control units, navigation assemblies

Service contract positives: Some service contracts are transferable, and may thus increase the resale value of a vehicle. Many come with trip interruption reimbursement, towing and 24-hour road side. Some plans can also be financed, or have E-Z Pay Plans. Others offer a money-back guarantee.

What should you do? You’ll get lots of advice about doing the research, comparing plans, and reading the fine print. This is all sound advice. But what about doing the math?

Let’s say a plan costs $2500 for 2 years or 100,000 miles, whichever comes first. To break even you’ll need a minimum of $1250 per year in covered repairs, excluding regular maintenance. Remember covered is the vital word here.

Another way to break it down is to anticipate having to pay $104.17 per month over the next two years in “covered” repairs. Do you want to take that bet?

What could happen? You could double your money or more in repair work. You could conceivably get a new engine and transmission (or used ones anyway). You could also easily spend $2500 for a service contract, and still have to pay another $2500 for repairs, which for a variety of reasons, were not covered under your plan. Now you’re out $5000.

Alternatively, you could keep the initial $2500. In many ways all an extended warranty does is prepay for repairs. You could stick the money in the bank and collect interest. Then you could withdraw the money for repairs as needed.

Another consideration that’s rarely discussed is the cause of the problems. Many car repairs problems are the result of wear and tear, neglected maintenance, physical damage, or acts of God—such as flood damage. None of this is covered. The gamble only covers failed components.

If the vehicle you’re driving does cost $2500 to $4500 in repairs due to outright failed components, is it a vehicle you even want to consider keeping? A vehicle that needs this kind of repair work due to mechanical, electrical, or computer failures may not be worth it. The $2500-$4500 would be better spent on an upgrade to a quality vehicle rather than insuring a lemon.

There’s no question that auto repair is expensive, and even quality cars break from time to time. But do they breakdown to the tune of $2500-$4500? That’s a hefty bet on a “possibility.”

Terence O’Hara from the Washington Post makes an excellent assessment about extended warranties in general. He writes:

…extended warranties play upon a basic human trait to avoid loss, even if it means sacrificing a possible future gain…the gain is all the other things of value that a consumer could buy with the money that was spent on a warranty

What’s the best plan? Money in your bank account!

Everybody hates car salesman. They talk too fast, use too many clichés, and are generally exasperating. There’s nothing worse than being verbally romanced only to find out you were ripped-off—or is there?

How about getting ripped-off repeatedly? How about getting ripped-off repeatedly for years? How about never even knowing you were ripped-off, repeatedly, and for years?

Welcome to service! When it comes to swindling, automotive service representatives are the real experts. They have more experience, and way more opportunity to rip you off.

A car salesman has only a few chances to rip you off provided you even engage in negotiations. There’s the price of the car, financing, leasing, accessories/options, extended warranties, your trade-in, and the general bull that wafts from the salesmen’s mouth.

You should also watch out for the finance manager. Today’s finance folks aren’t just number crunchers, they’re salesmen in disguise. This is where you’ll be encouraged to buy the extended warranty and a host of other accessories that can all be packaged up nicely into your financing.

Car sales rip-off attempts are easily thwarted. Number one, you can just walk away! Also, there are numerous resources on how to buy a car without losing your shirt. If you’re interested, visit the RepairTrust resource link @ www.repairtrust.com and you’ll find several sites that will tell you everything you want to know about buying, trading, leasing, financing, new, used…etc.

It’s quite different in the world of car repair. Your car needs service. You HAVE to deal with a service representative, like it or not.

The folks in the dim underworld of automotive service are well-trained in the art of ripping people off. They’re not the feeding-frenzied, thrashing sharks of sales that are easy to spot.

No, service representatives are the Great Whites. They primarily hunt alone, hiding in the murky waters of service, striking without warning.

What’s really scary is that the service industry is infested with Great Whites. Traditional tips and suggestions to avoid their attacks don’t work. This is evidenced by the fact that service customers are scammed “tens of billions of dollars every year.”

Information is the key to STOP a Great White. If one knows who, what, when, where, why, and how it hunts, one can take control.

Importantly, “Sharks are not mindless eating machines.” The Great Whites of the service industry are experienced and smart. There are so many attacks from so many different directions, and new technologies provide fresh chum daily.

With auto repair, technology creates confusion. Technology creates ripples and waves, making it difficult to see below the surface of even simple auto repairs.

The Great White can sense the anxiety of a service customer, like it can a struggling swimmer. In the midst of this confusion, the waters of service get even murkier, and SPLASH—it’s cost you an arm and a leg.

In today’s service environment, the service customer needs protection, and needs to be empowered with accurate information and powerful tools before even entering the waters. There’s no need to lose any limbs, ever!

Cobra Powersports, the US Distributor for TGB scooters, motorcycles and ATVs (all-terrain vehicles), has announced that it has lengthened all 2006 49cc and 151cc scooters to an industry leading 2-year warranty, unlimited miles. Cobra Powersports increased coverage after reviewing 2004-2005 warranty claims and finding that the TGB scooters have an extremely low warranty claim rate of less than 0.3%.

The new warranty policy doubles the coverage of TGB scooters and increased the parts that are covered. Bill Peirce, President of Cobra Powersports, said, “We knew that the TGB scooters were great products, but after our technical manager totaled up the warranty claims that we paid out over the past 2 years I had to smile. Our failure rate was so low that I knew we had a great opportunity to show our customers and dealers that we believe in the TGB scooters so much that we are going to double the warranty.”

“Our warranty has real meat behind it because we cover defective parts for 2 full years. Unlike many warranties that exclude certain parts, don’t pay labor, or drop coverage as the scooters age; we cover the whole scooter, except wearable items such as tires and air filters.” Mr. Peirce adds, “We also pay the labor charges to make the repairs covered under the warranty so that our customers won’t have to pay for covered repairs.” Consumers should visit the Cobra Powersports website or visit an Authorized TGB Dealer to get more information about the TGB warranty and coverage details.

The TGB 2-year limited warranty covers the complete 2006 Cobra-TGB scooter line, including the TGB Key West, TGB Laser R5, Laser R9 and TGB R50X Extreme. The Key West, Laser R5 and R50X Extreme scooters include the high-performance TGB 2-stroke 49cc engine which is 2006 EPA certified. TGB is one of the only companies to be able to pass the new EPA laws for testing and certifying onroad motorcycles with a 2-stroke engine. 2-stroke engines offer higher performance and less maintenance than a typical 4-stroke engine.

TGB continues to offer the Laser R9 151cc scooter in the USA and with the increased warranty this scooter is positioned to be the perfect commuter vehicle. With proven reliability and performance, the TGB Laser R9 offers over 75 MPG and a top speed of over 60 MPH. [PRWEB]