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A study by TechnoMetricafound that over 60% of the vehicle purchases were financed. According to Raghavan Mayur, president of TechnoMetrica, “over the past two years, nearly two out of three vehicle purchases were facilitated through a loan.”

When considering a loan, keeping the terms to a shorter time span will reduce the overall cost of purchasing a car. Often consumers will finance the car for 48 to 60 months increasing the purchase price by over ten percent depending on the current interest rates.

Pre-qualification of an auto loan will help you negotiate a better price than what is offered by dealers when it comes to sign the loan contract.

If you’re a Motor Trader you’ll know more than anyone just how price sensitive the automotive industry can be. And as Motor Trade Insurance is likely to be one of your companies biggest outgoings paying the right price for your Motor Trader Insurance is going to be vital.

Whilst the UK has benefited from a pretty stable financial environment in recent years with rising house prices, low interest rates and many companies making money there now maybe signs of a change. During 2006 interest rates rose steadily and with 1 rate rise in 2007 already (and with more forecast as the year progresses) there is every chance that there will be less disposable income in the UK economy.

So what will this mean for consumers and Motor Traders?

Well for consumers it could mean they have less money to spend on new cars, second cars or indeed on the servicing and repair of existing vehicles. There is also every chance that as value for money becomes more of an issue they will shop around to secure the best price and service.

And when Motor Traders Insurance policies come due for renewal there is every chance they too will start looking around to secure the best deal on their Motor Trade Insurance. And if indeed money is an issue it is very easy for companies in the motor industry to opt for the cheapest is best option. After all, isn’t one type of Business Insurance pretty much the same as all the others?

Well for Motor Traders in the UK I would urge you to proceed with caution as whilst low cost motor trade insurance is available from many different insurance providers you don’t want to leave yourself in a position without the right level of cover or the right insurance excess (or deductable).

For many motor traders the best option to take when buying motor trade insurance for the first time or when their current motor trader insurance comes due for renewal would be to consult the services of an insurance broker. An insurance broker who specializes in motor trade insurance can search the market to find you the right cover at the right price so you not only save time – but you also save money.

In the event of you needing to make a claim they can also help you get the claim settled quicker and more favourably. A good insurance broker should give you advice and make sure you only pay for the insurance cover you need and want.

Whether to buy a new car or buy a used car is often times the first decision that needs to be arrived at before you can actively begin perusing purchasing your next vehicle.

Let’s take a look at some tips, pros, and cons when it comes to making this decision.

First of all, having been in the automotive business for many years, I almost always lean toward finding a good used car that fits what I am looking for. For me, I believe that used cars offer the best value for your dollar. In most cases, you’ll find used car departments are much more used to and willing to negotiate the price that they have posted on the car. From a negotiating standpoint, most used cars won’t have all of those superfluous dealer ‘add-ons’ stuck on the window either that will just never do.

In the automotive market, used cars will most certainly come with a lower initial price tag than a comparably equipped new car. And not only will the price be lower, you may also find that so is your cost to insure the used car as well as the tags, and taxes. Depreciation being what it is; means that with a car a couple of years old, the biggest depreciation hit has already occurred. And from a tangible perspective, you may have a better chance of getting those upgrades you’d like to have on the used car that you couldn’t otherwise afford going with the new.

Yet, with all of this, buying a used car isn’t for everyone. Finding a used vehicle that fits one’s entire car buying criteria can be a tough exercise in balancing what you want with the value versus risk inherent when it comes to used cars.

Not so many years ago, reliability was a major concern when purchasing a used car… and rightfully so. Today however, reliability problems are a fraction of what they used to be. Today’s vehicles, when properly maintained will easily go for 100,000 miles and it’s not uncommon for vehicles to be motoring along as they approach 200,000 miles or more. And with all of the information now available online, the risk factor is again reduced even a bit more.

Even though more reliable today, buying a used car for people means buying a car that is probably out of its original bumper to bumper warranty. This alone, is enough to repel many potential car buyers back to the new car side of the dealership.

As you know, if you are looking at buying a used car, you are probably looking at a car that is outside the factory warranty or at least would have very little remaining. With no warranty you’ll be on the hook to pay for any needed repairs out of your own pocket. However, the biggest expense for most all cars today are the things that aren’t covered by any manufacturer’s warranty anyway; items such as brakes, tires, alignment, batteries, etc.

Of course nobody can guarantee that you won’t encounter a lemon. No matter what the make and model, no manufacturer can produce a vehicle that can withstand years of neglect and/or abuse. Always, always, always give the used car a thorough inspection both by yourself and a qualified mechanic; doing this will catch most problems that may be looming on the horizon.

When it comes to financing the purchase of a used car, you find that the going interest rates will typically be higher than new car rates. This is definitely a piece of the puzzle you’ll want to check out. There is no rule of thumb as to what the difference in the interest rate will be between the two because there are just too many determining variables involved such as; the economy, rebates and incentives involved on the new car side, your credit, length of financing, and even the type of used car you’re looking at. Be sure to crunch the numbers for both sides.

With used cars, insurance can save you some money as well because you’ll typically pay less for your insurance on a like model from a few years past. The reason is simple; less cost of replacement for the insurance company and used cars are generally not high on the stolen lists.

And finally, (the latest) safety features could be a concern if you’re looking at used car (particularly if you’re going back a few model years).

All in all, if the touch, feel, and smell of a new car, isn’t a top priority for you, I think you’ll find that a well thought out used car purchase you can get more car and features and still be within your budget.

Before you even set one foot onto a car dealership check and know what shape your credit is in. Even if you know it is in good shape… here’s a flash for you – credit reporting companies make mistakes… and many of them. So, be smart… begin your car buying process the correct way… know your credit score.

You should begin the process of self evaluating your credit well in advance of doing your car shopping.

Why? Because if you find incorrect information or reporting on your credit report it will take some time in order to get it corrected or removed… and if you don’t you may pay for the mis-information quite handily in the form of paying a higher interest rate than you would otherwise have to.

For instance if you were to finance $20,000 for 5 years at 0% interest rate (obviously you’d pay no interest) your monthly payment would be $333.33. If however, because of credit issues (either correctly reported or not) you signed up at 7.9% your payments would be $71.00 dollars per month more for a painful $4,274.28 more in interest payments alone.

And just to pile on a bit more… this means that your loan payoff will always be higher so if you get the urge to trade cars two, three, or four years into your loan… you’re going to be much further upside down!

There are three credit reporting agencies – Equifax – Experian – Trans Union – and it’s best to get a report from all three. Also, if you are married you’ll want to get your spouse’s as well.

First check to determine what your FICO score is. FICO scores can range from about 300-900 with the higher the number being the stronger credit score. Lenders have differing criteria in how they evaluate and grade FICO scores so the break lines between poor – average – good – excellent can vary somewhat but generally the best auto financing rates are granted to those with a score of 700 or better.

Basically your credit score is based on five determinants: payment history – unpaid debt – how long you’ve had established credit – how much credit you’ve acquired or applied for lately – the types of credit you’re carrying.

The Federal Trade Commission (FTC) has a good website for understanding what your rights are under The Fair Credit Reporting Act.

Work to update outdated information that may be a part of your credit report and by all means begin the process of correcting any mis-information or incorrect payment history. Once you have corrected the mistake, be sure to check your credit report again in about 60 days to see how much of your credit report has changed and if your score has improved.

Working to get your credit report in order may take some time and diligence, but it’s like paying yourself. Remember, the difference of a not so many point swing in your credit score can get you that 7.9 interest rate instead of that 0% interest rate.

It’s your money… don’t waste what you can control.

Your old car just went to pieces today and you have very little money in your pockets. Perhaps you could look at the very limited selection at one of those local car dealerships that offer financing on a high sticker price made even higher by the interest rates they plan on charging you. You could go to the bank for a loan and beg the loan officer to give you some cash at a very high interest rate. You could do either of these things but you wish there was another option. Well, there are other options and they are called car auction sites.

How Do Car Auction Sites Work?

If you want to avail yourself of this great money saving opportunity, it may prove helpful to learn a bit about car auction sites first. Car auction sites offer a wide range of vehicle choices due to their very nature. The automobiles being auctioned are usually placed up for bid by individuals or small auto dealerships so prices can range from the no reserve car auction to items that have a preset price or at least some reserve on the car where the seller has the right to refuse to sell unless the price goes higher than his stated reserve price. Thus if a seller put a vehicle on an car auction site with a reserve of two hundred dollars and the highest bidder only bid one hundred ninety dollars, the seller would have the choice of selling the car for the one hundred ninety dollar bid or refusing the sale and relisting the car thru another car auction site.

There are a few things to consider before bidding on car auction sites as well. One major consideration is the location of the vehicle and the cost and method of shipping. The automobiles sold on car auction sites are located around the globe so pay close attention to where the car is located before bidding because all bids are considered final and legally binding as contracts and if you win the bid you will be expected to fulfill your contractual obligations towards the purchase.

Another consideration before bidding on car auction sites is the reputation of the seller offering the vehicle you are looking at. Car auction sites such as Ebay Motors have a great way of making sure you know the sellers reputation. Every buyer and seller on Ebay has a rating. It is generally considered a very good practice to buy from sellers who have high ratings and good feedback. This helps to insure that your experience with car auction sites will be a pleasant one.

If you don’t have enough cash on hand to purchase the car straight out, you will need to consider your financing options. If you are a smart shopper you should figure out how you are going to finance the used car before you begin shopping. There are three main components that will come into play when you purchase a car. The first is the monthly payment, the second is the down payment and the third is the price of the car.

The monthly payment is going to be how much you can afford to pay each month. This will help the lender determine the life of the loan and when the payments will be due. Many lenders will require that you use the car to secure the loan. The car can be used as collateral and in the event that you default on the loan the lender will repossess the car to satisfy your debt. Monthly payments can also be lowered if you are able to make a down payment.

The down payment is how much cash you can afford to put down before financing the car. This will help to reduce your monthly payments as well. The better a down payment you are able to supply to the bank, the less amount of money you will have to finance through the lender.

The purchase price will be determined to the answer to the two previous questions. These numbers are important to have handy when you are negotiating over the price of a car. If you have these two figures in hand while discussing the price of the car, you will be able to remind yourself of what you can really afford to spend.

You have two options in financing a car. One is to finance the vehicle though your personal bank or credit union. This route is highly recommended, as you will be able to work with lenders that you are already familiar with. You will also be able to be eased in your mind, as your money is going to be sent to a reliable institution. Lower interest rates can also be found at reliable lenders. Using a bank or credit union also makes it easier to stick to your budgeted amount and allows you to find competitive interest rates.

Your other option is to finance through the dealer. This is an option for those individuals who find their credit rating less than good. Many dealers work with people with poor credit and will prearrange financing through an independent source.

When you are car shopping you will want to be sure that you leave yourself enough time to arrange the loan before purchasing the car. You want to be prepared to hand over the money in the event that you do find the used car of your dreams that you have been shopping for. You also do not want to be dependent on borrowing money from a dealer, as they often do not have the best financing and interest rates available, especially on their used cars.

For more Car buying tips visit Atlanta Used Cars at http://www.UsedCarsAtlanta.us and Dallas Used Cars at http://www.UsedCarsDallas.us.

When you have found a car that you are interested in you will want to inspect and test-drive the car that you are considering purchasing. This is the best way to weed out the bad cars from the ones that have potential.

When you evaluate a used car, you will want to keep two main considerations in mind. The first is whether or not you even like the car. Do you like the color? Do you like the interior? Does it have enough headroom and legroom? Secondly, you will want to know if the car is mechanically sound. These two factors will help you decide whether or not you actually like the car. If you do like the car then you will have a few more questions to ask yourself. Will the car work well in the long run? Will it be in good condition in six months or will you begin to have to repair and put money into it? It is important to realize that in many situations you will need to put a certain amount of money into a used car. You cannot typically find a used car that doesn’t need some kind of repair or sprucing up.

While you are test-driving the car, take it to your mechanic. If you are seriously thinking about purchasing the car, you may have doubts as to whether it is mechanically sound. Take the car to your mechanic and have him check it out for you. Many mechanics are more than happy to test drive the car quickly, check for leaks, and do a compression check. Then they will give you their expert opinion and you can make your decision from there. They may tell you that you would need to have something replaced and it would cost you so much. It would then be up to you to make the decision as to whether or not you would be willing to spend the additional money on the car.

Before you drive the car you will want to inspect the car. Walk around it and get a good overall visual inspection. Ensure that there are no ripples in the door panels, as that may suggest that the car has been in an accident. Look for uneven gaps between the doors and along the hood. Check for leaks such as coolant, oil, transmission fluid or gasoline. Examine the area where the car is normally parked to look for spots from leaks. You will then want to open all doors and the trunk. Test the lights, controls, heater, air and radio. Open the hood and look for leaks or sprays. While the engine is running you will want to listen for knock, ticking, hissing or whining. Check to see that all the tires have enough tread left on them.

Once you are driving the car, you first impression should be the way that the car feels. Does it fell comfortable to you? Are the gauges and controls easily accessible? Do you have enough leg space and headroom? If it is possible to drive the car when it is completely cold you will want to do so. Some older used cars may have difficulty starting when they are cold and this will reveal any chronic problems the car may have. Adjust the seat and mirrors before taking off and drive with the radio off. You will want to hear the engine and listen for other noises.

Be certain to include these factors in your test drive:

-Accelerate from a dead stop -Check for blind spots -Listen to the engine noise -Listen for how the car downshifts -Braking -Cornering -Suspensions -Listen for rattles or squeaks -Be sure to get on the highway and get the car up to highway speeds

Following these key points will help you make an accurate assessment of the vehicle before making your decision.

For more Car buying tips visit Atlanta Used Cars at http://www.UsedCarsAtlanta.us and Dallas Used Cars at http://www.UsedCarsDallas.us.

A Formula One Grand Prix event spans an entire weekend, beginning with two free practices on Friday, and one free practice on Saturday. Third drivers are allowed to run on Fridays, but only two cars may be used per team. After these practice sessions, a qualifying session is held.

The format of this qualifying session has been through several iterations since 2003. Attempts were made to reinvigorate interest in the qualifying session by using a "one-shot" system in which each driver would take turns on an empty track to set their one and only time.

For the 2006 season a knockout qualifying system was introduced. The FIA revised the 2006 procedures starting with Round 11, the 2006 French Grand Prix.[7] In the first phase, all 22 cars are permitted on the track for a 15-minute qualification session. Only their fastest time will count and drivers may complete as many laps as they wish. In the original format, the clocks were stopped immediately at the end of the session, which meant that drivers on a timed lap did not have their time registered once the 15 minutes were up. From Round 11, any car running a timed lap at the time of the chequered flag is entitled to complete the lap. The slowest six cars can take no further part in qualifying, these cars will make up the last six grid positions in the order of their times.

The times for the sixteen remaining cars are reset for the next 15-minute session. In the original format, the clocks were stopped immediately at the end of the session. From Round 11, cars running timed laps at the chequered flag are allowed to complete the lap. The slowest six cars will make up the grid in positions 11 to 16 in the order of their times.

The times for the ten remaining cars will be reset for the next session. The shootout session lasted 20 minutes under the original regulations, changed to 15 minutes from Round 11. For the final period, the cars will be arranged on the grid in positions one to ten in the order of their times. In the first two 15-minute sessions, cars may run any fuel load and drivers knocked out after those sessions may refuel ahead of the race. However, the top-ten drivers must begin the final 15-minute session with the fuel load on which they plan to start the race. They will be weighed before they leave the pits. Whatever fuel they use in the 15 minutes may be replaced at the end of the session provided that the laps they complete are all within 110% of their best session time; outlaps (a lap that started in the pitlane) and inlaps (a lap that ended in the pitlane) are permitted to be no more than 120% of the driver’s best session time. Any fuel for a lap outside of the 110% time will not be replaced. As with the first two 15 minute sessions, if a driver starts a timed lap before the chequered flag falls for the 15 minute session, their time will count even if they cross the finish line after the session has ended.

The race begins with a warm-up formation lap, after which the cars assemble on the starting grid in the order they qualified. If a driver stalls before the parade lap, and the rest of the field passes him, then he must start from the back of the grid. As long as he moves off and at least one car is behind him, he can retake his original position. A racer may also elect to start from pit-lane if he has any last minute problems with the car. If they choose to do this, they must wait for all cars to pass pit-lane before they may begin the race.

A light system above the track then signals the start of the race. Races are a little over 305 kilometres (190 miles) long and are limited to two hours, though in practice they usually last about ninety minutes. Throughout the race, drivers may make one or more pit stops in order to refuel and change tyres. Drivers have access to seven sets of dry-weather tyres, four sets of wet-weather tyres and three sets of extreme-weather tyres for the entire weekend. Drivers must choose the dry-weather compound they will use for the race ahead of qualifying.

The FIA awards points to the top eight drivers and their respective teams of a grand prix on a 10-8-6-5-4-3-2-1 basis (the race winner receives ten points, the first runner-up eight, and so on). The winner of the two annual championships are the driver and the team who have accumulated the most points at the end of the season. If any drivers and/or teams have the exact amount of points and are both competing for the driver and/or team championships, the driver and/or team who has won more Grand Prix races during the course of the season is declared the winner.

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.

If you have made the decision to purchase a used car, no doubt it is a decision that will save you a great deal of money. Once you decide on a used car that you want, you may then want to start looking at the used car auto loans that are available to you. If you want to get a good loan for your used car, you will need to consider your financing carefully and weight all of your options. Many times, excited buyers get so excited about purchasing their car that they forget to look over the used car auto loans carefully. The following are considerations to keep in mind you are going to purchase a used car with used car auto loans.

Get Financing First Whenever you are going to purchase a used car, you want to make sure that you qualify for used car auto loans before you go through the final details of purchasing a car. It is important that you make sure that you are approved for the financing you need before you show up at a dealership ready to buy. If you do not have the money up front when you go to a dealership, you may not be able to get a great deal. But if you have the money with you, many times you can get a better deal on your used car.

Check the Financing Contract Before you decide to sign on any used car auto loans, you should be sure that you have read the entire contract, including all of the fine print. Many times, there are qualifications that you are not aware of or penalties for paying the loan off early. Often, these lenders may include terms that allow them to raise the interest rate if you miss even one payment. If you take the time to read the used car auto loans contract before you sign it, you will not have any unwelcome surprises coming your way in the future.

Beware of Feeling Uncomfortable When you are dealing with used car auto loans, you should listen to any bad feelings that you may get. If you feel uncomfortable with the terms or the interest rate, you should probably forget that loan and go on looking for used car auto loans that you can feel comfortable with.

If you keep these considerations in mind when getting used car auto loans to purchase a used vehicle, you will be able to purchase your car with peace of mind. Just taking time to get your financing in the beginning and checking out the terms can save you many problems in the long run. Remember that you can never be too careful when you are dealing with used car auto loans.