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

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

announced David Walsh, President of the IFA Insurance Company.

 For our Oakland, CA readers, you can trade in your older Segway with the purchase of a newer model at Segway of Oakland.  According to Steve Steinberg, the trade-in program works well for commuters who put in a lot of miles onto their Segways.

Segway Trade-in Program is Incentive for Repeat Customers

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.

Drivers of modified cars are finding it more and more difficult to show off their artistic masterpieces on streets all across the US. California may have led the way in cracking down on what the state terms as traffic offenses, but other states are following suit. No one can argue that the modifications in these modified cars have gone way beyond what was being done to the original hot rods, but should these modifications really be illegal? Are they really hurting anybody?

While it is true that some enthusiasts have juiced up their engines using illegal means, it is also true that most of those modified cars that have been singled out were not initially pulled over for speeding infractions. In fact, the crackdown on modified cars seems to stem more from an aesthetic problem than anything else.

Many of the violators have been ticketed for exceeding the noise pollution laws. Drivers of modified cars counter that they are being singled out because of unfair comparisons to the drivers in such movies as The Fast and Furious. They claim that the portrayal of modified car enthusiasts in that movie series has caused a backlash against real life owners.

The police forces of not only California, but various other states deny that charge, however. They say that the new breed of modified cars presents a safety risk at high speeds whether it involves racing or not. They point to the increased level of accidents involving modified cars sporting darkly tinted windows, custom rims and wheels, and exhaust pipes. California has, of course, long been the center of the hot rod and modified car universe in America, but the crackdown is spreading all across the country.

But owners of modified cars don’t appear ready to roll over and play dead. In addition to flooding the internet to increase support for their side of the argument via blogs, forums and web sites, they are also attacking the problem via America’s greatest legacy: dissent.

For instance, modified car owners are attacking the crackdown in the state of Virginia with an online petition. The petition identifies the problem as stemming from the vague terminology in Virginia’s laws for modifying exhaust systems and suspension.

Modified cars have been targeted by law enforcement officers for decades. And it is certainly true that drivers of modified cars may be more tempted to engage in high speed racing than the rest of us.

The debate is sure to rage for some time as owners of modified cars feel unfairly singled out and as law enforcement officials feel compelled to make the streets as safe as possible for everyone. The divide between car enthusiasts and the police is likely to grow wider, however, as new and more exciting modifications are discovered.

Clearly, a less important concern - for the moment—than Ford Windstar recalls might be what Levine Breaking News reported March 14, 2006: an anti-gay/conservative Christian group are seeking retribution by boycotting Ford Motors…because Ford advertises in gay publications.

Tell me when did we give up the right to spend our hard-earned money on costly advertising, top-class merchandise, and any ^%$# publication we wish to read, write for, subscribe to, publicize in, or be a demographic target for? Okay. Hold on. Before I get all involved in who has what - ahem - RIGHTS, I should calm down, digress, and recoup to the more significant concern or issue: Ford Winstar recalls. There are several of them, that vary from safety and other recall issues (and usually getting increasingly lessened by year), but a mention here will suffice, as other investigations thoroughly cover by describing and explaining.

FORD WINDSTAR RECALLS, 2003

-Seats: mid- and rear-assembly

FORD WINDSTAR RECALLS, 2002

-Seats: mid- and rear-assembly

FORD WINDSTAR RECALLS, 2001

- Mid- and rear-seat assembly - Windshield wiper/washer motor - Electrical system: air conditioner - Air bags frontal sensor control module - Accelerator pedal - Seat belt assembly - Trailer hitch

FORD WINDSTAR RECALLS, 2000

- Structure: body/hood - Vehicle speed control: accelerator pedal - Glass: side- and rear-view mirrors - Electrical wiring under dash - Electrical system wiring; windshield wiper/washer motor - Seat belts - Trailer hitch

FORD WINDSTAR RECALLS, 1999

- Structure: body/hood - Hydraulic brake foundation: hoses, lines, piping, fittings - Master cylinder - Electrical: air conditioning system; interior/under dash wiring - Windshield wiper/washer motor

FORD WINDSTAR RECALLS, 1998

- Structure: body/hood - Hydraulic brake foundation: hoses, lines, piping, fittings - Front wheel suspension springs and coils - Automatic trans/power train - Exterior lighting - Steering: gear box/shaft - Child seat

FORD WINDSTAR RECALLS, 1997

- Hydraulic brake foundation: hoses, lines, piping, fittings - Front wheel suspension springs and coils - Automatic trans/power train - Exterior lighting

FORD WINDSTAR RECALLS, 1996

- Structure: body/hood - Automatic trans/power train/gear position indication - Exterior lighting - Hydraulic brake foundation: hoses, lines, piping, fittings - Front wheel suspension springs and coils

FORD WINDSTAR RECALLS, 1995

- Structure: body/hood - Electrical system wiring - Hydraulic brake foundation: hoses, lines, piping, fittings - Front wheel suspension springs and coils - Alternator/generator - Gasoline storage tank assembly

With all of or despite all the recalls, I am still a huge Ford fan—having brought up around, in, and looking at and listening to hot rods and trucks made by Ford Motor Corp.. What’s more, I would still fight for the right to sell, buy, advertise, drive, think about or talk about any damned material item I please. Go Ford!

O.K. you’re patting yourself on the back for all of the homework you’ve done on your perspective car that you are going to buy… so you’re fired up and ready to go… right?

It’s great that you’ve done much homework on the car that you’ve got your eye on… good job. But, consider this – have you given any thought at all as to what your negotiating game plan is going to be? If you really want to maximize your car deal, it only makes sense to give this area some additional consideration.

Negotiating is skill that can be learned and gets better with practice. Throughout everyone’s life – first as children then as parents – negotiation occurs rather regularly. Now that you’re looking at stepping onto a car dealership, you shouldn’t suddenly feel as though you’ve never been involved in negotiations… I’ll bet that you have.

First and foremost, plan to succeed. Simple thought I know, but it is part of the preparation. If you go into the process thinking that you would really like to get the selling price down to a certain figure, but at the same time you’re telling yourself that this probably won’t happen… then guess what… it won’t. You won’t have the confidence, and the sales person or sales manager will get work on your shaky expectations and get you off your target price.

Be mindful of the other hand though. If you go into the car selling price negotiating process like the proverbial ‘bull in a china shop’ you’ll probably trip the sales person’s and the sales manager’s hot button and they will push back just as vigorously creating a negotiating chasm.

The key as a polished negotiator is to stay calm and pleasant and present win-win scenarios.

Secondly – Be prepared. Don’t go into any type of transaction such as buying a car unprepared. Don’t just know about the car and what you want your car to come with – know what each of these options cost… don’t guess or assume… There is profit to be negotiated upon across the board at any given dealership. Knowledge is confidence, and sales people will pick up on the fact that you know of which you talk and this will significantly cut down on the sales b.s.

Next – Leave yourself wiggle room inside your cocoon of happiness target. In other words never start with the price you want to pay. Remember, by definition here we are negotiating with another person… if you start with the price you want to pay; you’ll have no choice but to negotiate your way up and out of it. So, if you’re will to spend say $15,000 then start at $14,000 and work to create a win-win somewhere in between. And, oh by the way… no one in the dealership other than you has or will have NO IDEA of what you’re willing to pay.

Here’s a bonus tip – if the sales person kicks off the negotiations with the first offer, don’t counter with a number… that’s right no counter number… instead counter back with a pleasant … “I’m afraid that’s somewhat beyond my budget” … make them come back with another offer to get you in the game. Now you just gotten a newer offer and you haven’t even jumped in yet. The first offer from the dealer is usually their ‘home run’ swing… they don’t really expect you to serve yourself up at this point (although some do… and hence the home run in profit).

Keep in that this is not a one way street. You’ll have to participate and make some concessions in order for your deal to be a winner. For instance, if you can’t get to the selling price you want then get more for your trade, get an extended warranty at dealer cost, get some no cost service or oil changes, floor mats, … anything that keeps the deal moving forward and the negotiations open… don’t get hung up on ‘beating you opponent’ over just one aspect of the deal.

This is where many people get frustrated and either walk away after getting so close or just give in as a result of the frustration. Negotiating a car deal is a package not just a selling price. Sure the selling price is the focal point, but you have to give the appearance that you are offering some concession as well. In fact, as your target price get within range, don’t just agree on the price and then begin the delivery process. If you do… you will be in a much weaker position to negotiate any extras you may want such as that extended warranty… you see… make sure all potential aspects of the deal are in place before you shake hands on the price.

Environmental issues have never been higher on the agenda than today and with this has come concerted pressure on the motorist. Deemed as one of the most highly polluting sources of pollution, the question has now fallen on how to shift people away from their cars. Initiated by the Stern Review, a number of additional schemes have either been introduced or are currently being planned, leading to the question of what does the future hold for the motorist?

The Stern Review stated one overriding conclusion, that the world must act now on climate change or face devastating consequences. Unfortunately it also appears that this action is going to lead to devastating consequences for motorists. Various proposals in the Stern Review were suggested, including introducing a fuel-price stabilizer, meaning when fuel prices they will never be able to fall again, and per mile road charging.

Taking a deeper look into each proposal uncovers fundamental flaws. Artificially setting prices has never made economic sense and furthermore, the fuel price stabilizer would simply have the effect of desensitizing people from changes in the fuel price. Consider a huge rise in fuel prices which subsequently fall but this fall is not reflected in the price. People become used to this new higher price and when they see that it stays at this level for many months they become used to it, never lowering their consumption, even if fuel prices then begin to gradually rise.

Then there’s per mile road charging. As it stands people are charged on a per mile basis – the further one drives the more fuel they use and the more they pay. Is this not a ploy to generate even more revenue and prepare for a time when cars no longer run on fuel? If everyone was to suddenly switch to electric cars the government would lose a vital source of revenue. Per mile road charging could fill in the shortfall, brought in under the umbrella of concern for the environment.

A couple of new road charges have been brought in. The first, to be introduced in Richmond-upon-Thames, is that homeowners will be charged a fee to park their vehicle outside their homes, the value of the charge depending on the type of car they own. Residents’ parking restrictions, initially introduced to help homeowners park outside their homes, are suddenly being turned against the very people they were meant to help.

The London Congestion charge has already risen to £8 a day from its original £5 a day, and proposals were unveiled recently to charge so-called “gas-guzzlers” £25 a day to drive into Central London. An extortionate amount by anyone’s standards.

However, something has to be done to protect the environment so what’s wrong with making a start and pricing polluting motorists and vehicles off the road? It’s certainly hard to argue against the fact that some cars do pollute large amounts of greenhouse gases and they should be discouraged. But isn’t the real fact to emerge from all this that the car driver is simply an easy target? Infrastructure is already in place whereby large additional taxes can be introduced whilst many people have little choice but to use their car, meaning that the revenue generated from these taxation schemes will be significant. Even the Stern Review undermines its argument against the motorist by producing figures showing that transport is responsible for 14% of all the emissions of greenhouse gases in the UK. Transport that includes car travel, lorries, buses, trains, ships and aircrafts. In addition, the argument is that economic growth will suffer if we fail to act now. This simply neglects the effect of imposing huge taxes on motorists, seriously inhibiting people’s ability to travel to work and help the economy, and this is all without even mentioning a certain rapidly growing country – China.

With congestion continuing to rise on Britain’s roads a number of solutions have been proposed, raising tax being the main one. However, every day in the UK there are over 10 million empty seats on the roads. Worse still, the vast majority of these empty seats are during the rush hour, with average occupancy for commuting only 1.2. The solution appears to be simple – car sharing. This is further supported by recent research which found that over 50% of commuters would car share on their way to work if they could find someone suitable to share with.

Car sharing has often been talked about but only ever considered to be a small scale solution, unlikely to have a significant effect on congestion levels. Again, the evidence suggests otherwise. A 25% increase in car occupancy levels would result in the number of commuting cars on the road falling by 21%. Put another way, if everyone shared a journey to work just once a week then the effect would be similar. With over 50% of people happy to try car sharing out this could be an attainable target.

So why has car sharing failed to take off in a big way? Put simply, a lack of funding. Without the money to raise awareness of car sharing and the ways to go about finding someone to share with, the concept of car sharing is always going to be doomed to being an insignificant solution.

Why hasn’t the funding been provided by the government, particularly in light of the many reports that have come out over recent years highlighting the potential of car sharing? One can only speculate but to governments the idea of car sharing isn’t so attractive. It generates no additional government revenue and is in fact likely to reduce it, particularly with the decline in fuel consumption. Compared with the prospect of continuing to dramatically increase taxes on motorists, many of whom have no choice but to use their cars, car sharing doesn’t stand a chance.

The benefits of car sharing are also often vastly underestimated. Car sharing does hugely reduce petrol consumption for the individuals involved and if promoted in a large way then congestion and pollution could be reduced significantly. Other benefits include reduced parking problems and the lower mileage done by each car means that they depreciate less rapidly.

However, one statistics that is overlooked is the impact of car sharing on road safety. The number of speeding fines handed out in the UK in 2005 reached the 2 million mark. With road safety being of such apparent importance the statistic that the likelihood of having an accident is reduced by 50% if there are two or more people in the car should make the relevant authorities sit up and take note. The way to increase road safety is to promote car sharing. The added fact that it is also makes driving cheaper for the individual, and reduces congestion and pollution, should encourage people to take car sharing seriously.

Becoming involved in car sharing is very straightforward. Liftshare.org was established in 1997 and now has over 130,000 members one million journeys registered. It’s also free to join, with a simple registration form to complete before you can register a journey and begin searching for travel companions. Whether you’re traveling to work, a festival or a sporting event car sharing is possible.

Selling your car can be surprisingly tricky, particularly if you want to receive the best possible price. Buyers have a huge choice so it’s vital to make sure that your car stands out from the crowd. Some simple tactics, such as making sure you set a fair price, ensuring that your car looks great and using clever negotiation tactics, can be the difference between making a quick sale or being left with an unwanted car on your hands for months.

Setting the Price

Ensuring that you’ve valued your car correctly is the most important aspect when selling a car. Set too high a price and you could end up with a car stuck on your hands for months, whilst setting too low a price will result in a quick sale but knowing that you could have done better. Parkers.co.uk has an excellent used car guide section, where you can quickly receive a reliable price estimate.

Also, take a look through the local classifieds to get a feel for prices. Take into account the number of miles that you car has traveled and whether any extra features have been installed over the years, such as air conditioning or a stereo system.

Preparing the Car

On average clean and polished cars sell for 10% more than the same cars when they are filthy because buyers like to know that the car they are buying has been cared for. Dealers will also pay more for clean cars because it saves them time and money cleaning the car themselves.

For the outside of the car use a good quality car shampoo before polishing the car to create that ‘new car’ shine. Then power spray the tyres and clean alloy wheels. This clean and shiny car exterior will create an excellent first impression.

Use a vacuum cleaner to remove any dust and dirt from inside the car. Dashboards should be cleaned with a ‘low-gloss’ dashboard cleaner. When cleaning the windows remember to be careful around the heater elements in the rear window. Finally, ensure that the car smells nice. In particular remove any cigarette smell.

Where to Advertise

As a generalization when selling a car there are two options available – sell it yourself or sell direct to a dealer. Selling direct to a dealer is a quick and easy way of getting the car off your hands as you don’t have to advertise, deal with buyers, or take the risk of being unable to sell your car for months, during which time your car continues to devalue. Companies such as webuyanycar.com will provide an instant quote online for the majority of used cars.

The downside with selling to a dealer is that you’re unlikely to receive the best possible price. Advertising and selling the car yourself is more time consuming but can also be more profitable. eBay Motors has become one of the most popular ways of buying and selling a used car, so much so that a car is now sold every 2 minutes through the site. When selling through eBay make sure that you include a lot of information about the car along with a couple of photos.

Negotiating the Price

When potential buyers take a look at your car and decide that they are seriously interested in purchasing it the chances are that they will attempt to negotiate the price. This is to be expected because buyers like to think that they are getting a good deal as well. Therefore have a target price and lowest acceptable price in mind before you enter negotiations. If the two offers are some way apart then a moment of silence is often the best tactic. People find silence uncomfortable and awkward, often resulting in them making a compromise offer half way between the two valuations. It’s at this point that you can propose meeting half way between your offer and the new offer, gaining yourself a better deal.

Completing the Deal

Once a price has been agreed the deal still needs to be completed. Ask the buyer for their ID, address, and landline number because sometimes things go wrong in which case it’s good to have a way to contact them. If paid by cheque only let the buyer drive the car away once it has cleared. Finally, write a receipt stating that you are selling the car, and include the details of the car, yourself and the buyer. Write on the receipt ‘accepted as tested and seen’ to cover yourself against any future claims for damages. Then have the receipt signed by both yourself and the buyer, after which a successful sale will have been achieved.

When it comes to negotiating your best deal on the car you’ve got your eye on, first and foremost you have to do your research and homework on all the various parts of putting a car deal together.

At a high level, this is all the pricing, rebate, and dealer incentive numbers you can find on your perspective car. You’ve lined up your financing so you know what you qualify for, how much you qualify for, how long you can finance, and what your monthly payments will be based on a few different financing scenarios. And (if applicable) you know the actual cash value, and retail value of your trade-in.

If you don’t have a firm grasp on the aforementioned, proceed no further (don’t show up at a dealership) until you do.

But if you have, and you feel confident, let’s talk a bit further about negotiating.

Rule number one when it comes to negotiating and car deals.

Never – negotiate from the MSRP down… You’ll never get to the price you want.

Always negotiate from invoice price or dealer cost up.

Since you’ve done your homework, go to the dealership with your opening offer in mind. Be confident in yourself and the fact that although you certainly aren’t going to offer sticker price, your number will be fair and not ridiculous. If you offer up something totally ridiculous for the selling price from the dealer, you’ve wasted your time and haven’t really opened the negotiating process because your offer won’t even be viewed as serious. Keep your offer within the ‘win-win’ window.

When you know your numbers and you come across as confident (because you are) the sales people and the others at the dealership will be aware of this and will spend less time trying to ‘work’ you.

Give yourself room to eventually feel good. By this I mean, don’t table your first offer with the price you have in mind that you are willing to pay. Think about it for a moment; by definition there is going to be some negotiating going on here, so you certainly don’t want to begin at the price you want to be and simply hold firm. This may sound easy but this is truly a point where many miss the mark. Many people feel uncomfortable about starting below their target price, but it is an absolute must when it comes to successfully coming close to or hitting your pricing goal.

If the salesperson or the dealership is the first to offer up a number to get things going, rather than you countering with an actual dollar amount simply let the salesperson know that his number simple not within your budget and they need to come back with a better offer. By doing this, your goal is to get an even better opening price without tipping your hand.

Remember, a dealership is always going to take a couple shots at maximizing the deal for their side first.

Keep in mind that negotiating is just that… negotiating. It isn’t a one-way street where you get everything you want and the dealership simply acquiesces. There is plenty of give and take and it may not (actually hardly ever is) limited to just the price of the car. In other words, if you feel like you have to come up a bit off your offer or counter offer, see if you can get some return value for your effort such as some complimentary maintenance, even floor mats or something.

When you do this it keeps the negotiation alive and lets the dealer know that you are serious about putting together that ‘win-win’ deal that works for both parties.

Stay open minded during the process and treat the entire car buying process as a negotiation package. There are numerous avenues that you can probe for negotiation during the car buying process. It’s not just the price. However, don’t agree on the price and then start trying to negotiate other items. Once you’ve said yes to the price, you lose your leverage. Remember it’s the entire package.

Finally, always keep in mind that without you… there is no deal for the dealer. If you reach an impasse… if you have to… walk. Don’t rationalize giving in against your better judgment because you really want the car, or that you’ve spent the better part of your day at the dealership. Remember the dealer and the salesperson have their time invested as well and don’t want the deal to fall through either. Be patient, keep the negotiation communication lines open and chances are you’ll be rewarded with a new car at a price you feel good about paying.