QtAutoNews.com is an on-line information and communication service provided by ClknGo Software Corporation (”CLKNGO”) which is aimed at the affiliate resale market. Your use of QtAutoNews.com signifies Your agreement to the Terms and Conditions (as defined below).
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.
Jeff Neilan’s car dealer experience offers insightful car buying tips that save you time and money. Be sure to visit http://www.acarbuyersguide.com for car financing tips, ownership costs, & more.
Hyundai Sonata Review
It’s difficult to imagine, but Hyundai worries that even if it has one of the highest customer faithfullness ratings in the industry, attracting new purchasers into the showroom has been a real challenge. The new Sonata slogan is: “A Hyundai you’ve never seen before” and it is true that the Sonata which was redesigned has more power, more space and better fit and finish than it has ever had previously.
Its Advantages are:
- Acceleration - The possibility to avoid accidents - Comfort and convenience - Gas mileage
There are two acceptable disadvantages:
- Suspension noise - Handling
Reliability and Maintenance
The Sonata is easy to take care of, with very little in the way of programmed maintenance until 100,000 miles is reached, unlike oil changes at regular intervals.
It is backed by one of the longest powertrainn warranties in the automotive industry at 10 years or 100,000 miles.
Performance and Handling
The new Sonata is adequately equipped with a standard 4-cylinder which offers 162HP. The 3.3-liter V6 with 234HP is smooth but responsive and reaches average speed with little effort.
Acceleration is brisk in the four-cylinder and it is surprising in the V6. Hyundai officials say the V6 will turn 0-60 miles per hour times of about 7.5 seconds, with a maximum speed of 130 mph. Shifts are executed easily with the five-speed manual, and the front tires are chirped even more easily. Kicking down for passing with minimal hesitation, the Shiftronic automatic transmission moves between gears smoothly. When the engine bumps up against redline, and it declines to downshift at all, leaving that to the driver’s preferences,in manual mode, the Shiftronic will upshift automatically.
It provides more room and power than previous years. However, there is a least favourite feature, cheap interior look with fewer features, and new external redesign. But let’s see the positive aspects of Hyundai sonata.
Even if the interior seems cheap and bare compared to 2002-2005 models, seats are comfortable and the general aspect is all right for those who prefer simplicity. The on road performance and handling of this car is very good.
The Hyundai Sonata’s new interior marks a major step up the quality ladder. You can notice some rough edges on a few plastic molds and a less-than-lustrous finish on some dash panels. But the overall look is highly competitive with most in the class and better than some.
Three round dials in the hooded instrument cluster communicate the necessities of operational data to the driver, with the largest the speedometer which is positioned inside a polished circle. To its left is the tachometer, and to its right conjoined water temperature and fuel gauges. In the lower dash to the left of the steering column are a bank of five switch plugs, one of them is the dash-light rheostat, and there also can be seen a flip-down storage bin. The ignition key slides into a slot placed properly, in the dash to the right of the steering column instead of on the steering column itself.
Ourisman Maryland Hyundai Dealer offers the best price and service in Maryland, Virginia and DC, something you’d expect from a family doing business in the car industry for 80 years. Visit Ourisman Hyundai now! Are you curious? Visit http://www.ourismanhyundai.com and you’ll be aswered all your questions!
Auto insurance is at its heart financial protection. You purchase insurance in order to prevent paying thousands of dollars in the event of a collision or other loss. Many different types of insurance are available, covering almost every conceivable means of loss or damage to your vehicle as well as others to which you may cause damage. Very few drivers need to purchase every single type of insurance, so it is helpful to understand each type in order to decide which ones you require.
Property damage insurance is sometimes known as liability insurance. This product is designed to cover damages that you may do to someone else’s vehicle. Your state sets a minimum amount of this insurance that you must carry but the state requirement is often quite low. If the damage you cause exceeds the limits of your insurance you could be sued for the difference. It is therefore wise to purchase as much property damage insurance as you can afford.
Personal injury insurance is usually required by law, though the required amount may vary by state. This insurance pays a portion of your medical bills (generally 80 percent) and a portion of your lost wages (usually 60 percent) if you are injured in an accident. Personal injury protection often includes a small death benefit as well. This insurance may cover your relatives or household members or even everyone in the car, depending on your insurance company’s policies and state mandates.
Bodily injury insurance is extremely important even though it is not required by many jurisdictions. If you are at fault for an accident that injures someone beyond the limits of his personal injury coverage, bodily injury insurance will cover the difference. Otherwise you could be sued for medical expenses.
Uninsured/Underinsured Motorist Coverage
If you are injured beyond the limits of your personal injury protection in an accident caused by someone who does not carry bodily injury insurance, what are your options? You could certainly sue him and likely win your case. However lawsuits are time consuming and expensive, and if he does not have the money to pay you might be stuck with an uncollectible judgment against him. Instead, your Uninsured/Underinsured Motorist Coverage could cover your injuries. This protection is reasonably priced and will ensure that you are paid in a timely manner. Purchase this coverage if you can.
Collision insurance will reimburse you for damages to your vehicle if you are at fault. Collision coverage will pay up to the actual cash value of the vehicle less your deductible. If your car is financed you may be required to carry collision insurance. However the premiums are high and this product is not recommended for older low value vehicles.
Comprehensive insurance will pay for damage or loss to your vehicle from both theft and acts of God. Comprehensive coverage will pay up to the actual cash value of the vehicle less your deductible. This insurance is usually required if your car is financed but not recommended for older cars with a low cash value.
Many other options are also available, covering everything from medical payments beyond your personal injury coverage to a rental car while yours is being repaired. Most of these options are good to have if you can afford them but not necessary if you can’t. Always speak with your insurance agent if you have any questions or concerns regarding your coverage options.
Find the best deal on the auto insurance coverage that’s right for you. Visit http://www.AutoInsuranceRatesDirect.com today for free car insurance quotes, money-saving tips and important information about choosing your auto insurance.
We know we need it; it is required, after all. We just hope we never have to use it. Purchasing auto insurance may seem like the difficult part of the process, with all the legalese and fine print; however, if you actually ever need your auto insurance, you’re going to have to file an auto insurance claim. This can be the trickier part, if you aren’t prepared.
Below is some advice for filing an auto insurance claim. Although it’s best to brush up on this advice before you actually need to file an auto insurance claim, you may want to jot this advice down for future reference.
Get Answers
You really should know how much auto insurance you have before you’re involved in an accident; however, if you don’t, find out how much liability coverage you have. Liability coverage is the amount of money you have available to pay for the damages caused by an accident in which you are at fault. The liability insurance can cover vehicle repairs and hospital expenses for the other party, for example.
You also need to know the amount of your deductible for your collision auto insurance coverage, and your comprehensive auto insurance coverage if you have it. Simply put, this is the amount you have to pay before your auto insurance kicks in.
Contact Your Insurance Company
Contact your insurance company, and provide them with your name and address, as well as those of the involved parties, everything pertinent to the accident (date, time, location, damages, etc.), and the names and addresses of any witnesses. Your insurance company will advise you on what further steps to take, and then they will take it from there.
Keep Records
In the meantime, keep records of all paperwork, including repair receipts and hospital visits. Your insurance company may request this documentation later.
Being prepared before an accident will make the process after the accident much smoother.
Americans are a busy group of people, and once we take care of something, such as purchasing automotive insurance, we tend to forget about it and move on to the next task. However, purchasing an automotive insurance policy only to neglect it could end up costing you more money in the long run, or even leaving you unprotected. There are times in our lives when we need to stop and evaluate our current automotive insurance policies.
Reconsider your automotive insurance policy when you get married. When two people get married, they can get an automotive insurance policy together, thus spending less money and possibly even getting additional discounts.
Reconsider your automotive insurance policy if you purchase a new car. If you’ve borrowed money from a lender to purchase your new car, chances are your lender will require you to purchase full coverage insurance. Even if your lender doesn’t, your state most likely will. If your automotive insurance policy only covers liability because you own one of your cars, or the car you traded in, you need to increase the coverage of your automotive insurance policy.
Reconsider your automotive insurance policy if you relocate. If you currently live in a quaint little country town that sees very little wrongdoing aside from the occasional cow-tipping, you probably don’t have a very high amount of automotive insurance. However, if you’re moving to a larger city with a higher crime rate, your car will be more at risk and you should make sure you add the extra coverage.
Reconsider your automotive insurance policy if you’re getting on in years. Most insurance companies offer discounts to policyholders who are a certain age – usually 55 years old. If this is you, give your agent a call and find out about discounts you may qualify for.
Remember, certain tasks are worth completing and forgetting. Taking out the trash is one of them; purchasing automotive insurance is not.
The level of auto insurance that someone might need depends on the financial circumstances of the individual concerned and the cost of the car involved. Take for example someone who has a brand new $50,000 motor, it would be sheer folly to do anything other than take out one of the best auto insurance policies available and the cost of the auto insurance is likely to be insignificant when considering the overall annual cost of the car.
However, if you have a car that is nearing the end of its life, have a low cost car and previous claims or are a new driver then the cost of the auto insurance versus the benefits you might receive need to be given greater consideration. Comprehensive auto insurance premiums are likely to be disproportionately high for older vehicles, new drivers with low cost autos or drivers with accident history.
Whatever your circumstances you are legally obliged to take out a basic level of auto insurance that will cover you against third party claims and given the level of damages awarded seem to be increasing out of control then my advice would be to get the best possible third party liability auto insurance cover that you can afford.
The legal requirements for auto insurance does vary from state to state so you�ll need to clarify the level of cover you require when taking out auto insurance but only insuring to the legal minimum isn�t necessarily the best choice to make.
If you have a lot of money sunk into your car or your auto is leased then you really should take out comprehensive and collision auto insurance to cover you for things such as fire, theft, acts of god or collisions that are your own fault.
If you live in an area where cars are regularly vandalised you might want to consider comprehensive auto insurance when perhaps you wouldn�t have otherwise done so. The cost of your auto insurance will generally be higher if you live in such an area but that is something you have to weigh up against the cost of repair.
Personal Injury Protection is something that everyone should consider as this element of your auto insurance will cover medical costs associated.
Despite legal requirements some people still persist in driving around without auto insurance leaving the others with a need to insure against the uninsured motorist. Uninsured auto insurance will cover you for damages in the event of an accident with an uninsured motorist. Again, insurance that everyone should give serious consideration to given an auto accident could leave you unable to work or your family without any means to earn.
If you want a more comprehensive auto insurance policy but want to limit the cost then you could look at opting for a higher level of deductibles. Deductibles are the amount you would have to pay before you could make a claim against your auto insurance policy and generally, the higher level you agree to the lower your auto insurance premiums.
For more on insurance visit http://www.24-7-insurance.com
If you’re in the planning stages of your next vacation and they include a rental car, you may want to talk with your insurance agent about the rental car insurance options that you may have.
When it comes to traveling and more specifically rental car insurance, the market is extremely competitive for your dollar. This is because not only do the insurance companies compete for your dollar, but so too do the rental car agencies, and your credit card companies as well. And while all this competition may sound as though it works to your advantage as a consumer, all the marketing hype may change if you have an accident.
Start by contacting your insurance agent and see if your policy includes rental car insurance. Most auto insurance policies do including covering you in a rental car as well. Of course, verify this with your agent. Make sure it includes collision and liability insurance (damage to your car and to the other vehicle). Make sure your current coverage doesn’t fall short of the type of car you may be planning on renting. For instance, if you drive an older car with minimal coverage, you may be putting yourself at risk if you’re going to rent a top level newer car. So, check on any limitations that your policy may have. Find out what the conditionals are ahead of time so you don’t get caught short.
If you are considering getting your rental car insurance through one of your credits cards, then you should shop carefully. Call your credit car company and ask them to fax or mail the details to you. Either way get their coverage in writing. Again, ask specifically about collision and liability coverage and if there are any limitations or stipulations or complete exclusions. Don’t assume that just because they offer you ‘insurance’ that you will have the coverage completely protects you.
Thinking about getting your coverage directly from the rental car company? You’ve got some more investigating to do. Insurance coverages from rental car companies are all over the place and generally can be fraught with all kinds of stipulations and exclusions and certainly not all rental car companies are not on equal ground.
Don’t base parts of your decision to go with insurance from the rental car company thinking that if you are at fault in an accident that you can avoid a potential rate hike from your home insurance company. Your regular insurance company can raise your rates no matter who cuts the check. If you are involved in an accident make sure that you report this to your insurance company back home because if the credit card insurance or the rental car company insurance doesn’t pay… and you haven’t reported it to your insurance company, you could paying out of your own pocket.
Make sure you ask a lot of questions and get them answered well before you go on vacation. And as a side note, you may want ask your agent with whom you have your homeowner’s policy about what is the coverage in the event you have personal belongings stolen from a rental car. It may sound like a bunch to get done before you go on vacation, but getting yourself the proper insurance can literally save you financially.
Jeff Neilan worked for many years in the automotive industry as a salesman, finance manager, new & used car manager. With Jeff’s working knowledge of car dealerships you’ll find his articles on car buying insightful and rewarding. Visit http://www.acarbuyersguide.com for more of Jeff’s articles.
We are back with part three of the series, Questions to Ask When Buying a Used Car. In part two, we covered the questions about the drive train, service history, and accident history. In this part we are getting right down into the finer details of what questions to ask when you are interviewing used car sellers over the phone before you travel out to see their car for sale.
It’s worthwhile to ask the seller how much rust their car has. Let’s talk about rust. Even a car that is only a few years old can have a little rusty spot or two. An older automobile that is for example 10 or 15 years old can potentially have anywhere between no rust at all and a serious cancer condition. No one likes a rusty car, but it’s obvious that the less there is the better.
It is always interesting to ask about rust over the phone with a used car because everyone has a different perception about how much rust their car has. It is difficult to quantify, and it’s all relative. Some people have told me that their car is very rusty, and when I went to see it I found that it had almost no rust at all by my standards! The opposite scenario is more typical.
The answers to the rust question are often misleading, but ask anyway and write down their responses. If you do go out to look at the car later, you can learn more about the seller by referring to your notes. Speaking of notes, it’s a really good idea to take careful notes when car shopping over the phone. It is possible to gather so much information in a relatively short period of time, that if you don’t record what you’ve learned in a systematic way, you will end up with confusing, incomplete, or just downright incorrect data.
I like to take a blank sheet of paper and begin each entry with the year, make, model, price, and phone number from the ad while I am dialing. That means I am writing about that vehicle before I even have the person on the line. From there I just add the details and then make a line across and call another one. After several calls have been made, it’s easy to look back and see which ones look the best. Take your notes with you on your actual visit and compare what the seller has told you with your sheet to see if they were being straight with you over the phone.
Ask the sellers if there are any problems that they are aware of with their car? Again make notes on their answers. It’s okay to spend a little time on this one. You can subtly remind them that it’s important to be truthful here by telling them what you want the car for and why you are concerned about its future reliability. Ask them if this car needs anything in order to be safe to drive right now, in the near future, and in the distant future.
You should always ask them what they have done in terms of maintenance or repairs to the car lately, and if they have the receipts to prove the work. If they have no receipts, then be very skeptical of the maintenance history. No service records usually mean incomplete maintenance which spells trouble for any used vehicle later in life.
That wraps up part three. In part four, I’ll cover some more specifics including expensive-to-replace critical-car-components! Thanks for reading.
Mike Willis is an author and car buying expert. If you would like more information on what questions to ask when buying a used car, visit him on the web at http://www.cartorials.com/ and http://www.carsopia.com/.
Welcome back to part two of my article series. This mini-used car buying guide is a compilation list of my most important questions to ask when buying a used car.
To recap from part one, over the phone we want to make clever inquiry to see if we can establish with some certainty that the seller is not a private car dealer. Then we ask them questions to determine whether how long they have owned the car and if they are the original owner. The final area covered in part 1 was to pay close attention to the sense we get from the seller’s response to our asking about their reasons for selling. If we are satisfied with the outcome of this initial round, it is time to get a bit more specific.
One of my top questions to ask about buying a used car is whether it has a gas or diesel engine. This may not be applicable unless you are looking for a diesel, as the vast majority of cars only come with a gas motor. However, if you are looking for incredible economy and bulletproof reliability, you will want to consider buying a car equipped with a diesel or even better, a turbo diesel engine. VW Jettas and Golfs are and were and still are built with both gas and diesel motors, and those motors last a long, long time!
Ask them how many kilometers or miles are on the car? For a gas engine, anything much over 250,000 km or 150,000 miles is a bit too much, unless the car has been meticulously maintained. In the case of a diesel engine, 300,000 km or 180,000 miles is just getting going. If it has been meticulously maintained, a diesel can go for a million kilometers.
Determine whether your potential future companion has a standard or automatic transmission? Which would you like better? Generally, a standard 5 speed transmission is the best choice, as it is less complex and more fuel efficient. C’mon! Stick is more fun anyway!
Find out it they have service records. If they have no service records, it is a strong indication that the car has not been well maintained. By looking at the service records, you can see the maintenance history, and any repairs. For example, a receipt for a new engine adds value to any car. When the time comes to sell your car, this can be handy evidence to present someone to backup your request for top dollar.
No list of tips on buying a second hand car can be complete if it doesn’t include being sure that you ask the seller if it has ever been in an accident. If their answer is yes, ask them if it was a write off. If yes, move on. There are lots of other cars to choose from. If their answer is no, find out how long ago the accident was, and what area of the car sustained damage? You will want to look carefully at these areas when you go to see the car.
If the damage is recent, it may be difficult to tell how well the repairs will hold up. If it was a long time ago and it still looks okay, that can be a good sign. If the doors were affected, there is a good chance that they don’t close perfectly anymore, and may make whistling sounds at highway speed. Very annoying on long journeys!
Okay, we are getting some good information from our seller! That’s it for part 2. Stay tuned for part 3 where I will dive into the nitty-gritty of how to narrow down your search for the perfect used car.
Mike Willis is the author of many automotive articles published around the internet on the subject of smarter used car buying. Visit his online at http://www.carsopia.com/ and http://www.cartorials.com