Tips For Car Shopping

If you own a car, there is no way around it; one day you’ll need a new car.

When it comes to a buying process, car shopping is an activity that most people would rather not have to endure. So, here are a few tried and true tips to help with the stress and strain.

First and foremost is to get a good handle on your budget and be sure to stick to it. And as a part of your budget you should have some cash to put down… especially if you aren’t trading in a previous car.

Having the cash down helps you get financed. It helps you get financed at a lower rate. And it will save you a bunch of money on interest rate charges.

If you are trading in a previous car, make sure that you know the market value of your old car. Don’t expect to get a retail price for your car from a dealer. The dealer has to turn around and sell your call, so the dealer won’t pay retail to you and have to sell the car for that same retail price.

Also, as you are doing your research and crunching the numbers, you must take into consideration that the cost of the car isn’t just what is contained into your monthly payments. Make sure you check into the other costs of ownership such as insurance coverage, maintenance, gas mileage, and even look into the resale value or the depreciation of the car over time… this is a very real cost for you.

These days when it comes to car shopping and ultimately going through the buying process, research is the biggest key to a successful car buying outing. Make sure you get all the information on the price of the car, read reviews on the car, and know what options do and don’t come with a standard price package.

Ask around with your family and friends about the type of car that you are thinking about buying. This can be an invaluable resource for you if you can get some real life feedback from people who are driving the type of car you are considering.

If you have a trusted mechanic that perhaps has been working on your previous cars, this also can be a great resource for a professional’s opinion.

Regardless of what type of car you want to go shopping for, these days there is no reason to begin your car shopping unprepared. Not does being unprepared cause much stress and frustration, but even worse… it will cost you money. So, the time you spend up front gathering all the proper information is time very well spent.

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6 Tips For Car Buying

Buying a car is going to be an experience that you have at one time or another. The need for a dependable running vehicle is paramount today. When you start to shop for a new car, there are a few tips for car buying that you will want to keep in mind. Not only will they save you money but you will learn a few things to watch for when dealing with car salesmen.

1) Do not wait until you are without transportation to look for a new car. If your old car has died and you need a way to get around, the first car you look at is going to look like a good deal. You will be frustrated with having to find rides and if you have had to rent a car you are more than ready to give it back. So you will be looking at the positives of having your own car again more than the actual cost.

2) If you start looking before you actually need the car, you can figure out which is the best time to find a bargain. While many people recommend Christmas as a good time to purchase a new car since the sales are down at this time, you may also be strapped for cash since your Christmas shopping is not finished either. A good time to look at new cars is the time that dealers are trying to move out this year’s vehicle to make room for the new arrivals.

3) Car dealerships often run promotions with savings of thousands of dollars. Pay attention to advertisements and you can end up saving more money. There are many times of the year that you will hear ads offering rebates, cheaper interest rates and incentives to buy your new car now. The manufacturer will often use rebates as a way of getting the public interested in a new vehicle to introduce it to the consumer.

4) Go shopping armed with knowledge. Know your credit score, the amount you are willing to pay for a car, what the current finance rates are and what general type of car you are looking to buy. Do not go into a dealership knowing you need a family car and allow yourself to come out with a sports car. This will not be practical and just because you look good in it does not mean this is the right car for you.

5) Never buy a car without test driving it first. Then test drive it again. This is a car you are going to be driving every day and ensuring you are happy with the way it drives is important. With everything power today – seats, windows, door locks and more – if you purchase a car that does not have all of this and you have had it in the past you are not going to be happy with less. The comfort level you are used to having when driving is going to be a big part of the new car you purchase.

6) Do not be swayed. If you know what you want and you know what your budget for a new car is, stick to your requirements. Often a salesman will talk about monthly payments instead of focusing on the overall price of the car. Having a monthly payment that you can afford is important but the total price of the car is another very important factor.

Budget-Friendly Tips For Car Insurance

There are many ways to lower your car insurance rate. Whether shopping within the immediate Houston, TX area or in a nearby city, car insurance quote sites can give you the run down on what 10 to 15 reputable providers can offer. Many quote sites gather data from only A-rated companies (A.M. Best ratings), meaning you can compare quotes from providers that are financially stable. This provides peace of mind when buying car insurance because you never know when you’ll need to fulfill a claim…and switching providers is never any fun!

Houston, Texas Specifics on Car Insurance

Where you live does make a difference in how much you’ll have to pay for car insurance. Finding cheap car insurance in Houston, TX starts with educating yourself on what’s required by your state. For example, in the state of Texas there’s a minimum liability requirement of $25,000 per person or $50,000 per accident for bodily injury liability (BI). For property damage liability (PD) covering the insured’s car and other items, the minimum requirement is $25,000 per accident. And these are only the minimums, so you might need to purchase more coverage than what’s required to ensure proper protection for your car and personal assets. Of course, there’s no way to predict what will happen or how much you will owe in the event of an accident, but having adequate coverage can ease your mind a bit.

Once you’ve educated yourself on the minimum requirements of your state, also check with your lender if you still owe money on your vehicle. Most lenders require that you carry collision and possibly comprehensive coverage for the entire length of an auto loan. This protects the lender (and borrower), ensuring that the loan balance will be covered even if your vehicle is totaled in an accident.

Tips for Quote Comparisons

Don’t be fooled by extremely low quotes if it’s a fly-by-night company or if the coverage doesn’t seem to be what you need. Having inadequate coverage can be worse than paying a higher premium if you are in an accident. It’s a good idea to keep a level head when comparing quotes. Don’t only consider prices, but look at the dependability of the companies, how much coverage is provided with various policies, and whether or not you can receive discounts on your car insurance.

Discounts can lower your premium substantially. Discounts might be available for the following: student Driver’s Education completion, a good driving history, mature drivers, a high financial credit score, cars with safety features and anti-theft devices, multiple vehicle coverage, certain professions, and low mileage.

Your provider might also consider how far and where you drive to work each day. If you drive through the busiest section of Houston every day, for instance, this is considered a more risky commute than driving along less crowded roads. Also, compare the quotes with different deductible amounts. You’d be amazed at the difference in your quotes by simply choosing a $1000 deductible instead of $250!

Hints and Tips For Car Boot Buyers and Sellers

Car boot sales are great fun; they can be large or small events such as home garage sales, church rummage sale or local fund raising events. Or it could be a regular carefully managed car boot event. At the large organised car boot sales you will typically find, in addition to local catering stalls three types of seller.

– Market traders selling mainly new items
– Boot Traders masquerading as Private sellers (The professional car boot seller)
– Private sellers. People selling their unwanted items.

Its the latter that car boot enthusiasts find most exciting and for whom the following observations are intended.


Firstly obtain a local paper to find out when and where you nearest car boot sales are and also check on the internet for local information or just ask at the local pub.

Make the effort to get to the sale VERY early if you want to find the best bargains

You will need a supply of small change and small notes, keep them readily accessible.

Keep your wits about you and keep your valuables out of reach and safe from any would be pick pockets.

Car boot sales can be very busy and it is easy to get distracted.

Depending on what you might be looking to buy take a good sized rucksack or other carry bag.

Dress for the occasion particularly in winter as you are exposed to the elements.

Put a flag or other on your car aerial to make it easy to find later.

Do not take your dog or small children unless you are going to the boot sale just for fun. You will need to move quickly and get around without lots of interruptions.

Do some forward planning and decide what you are looking for before you arrive. Try and focus on what you are looking for as it is very easy to get distracted by other items.

If you are buying with view to selling through other channels, make sure items you buy are not prohibited.

Only buy items at a price you can sell on to make a reasonable profit. You need to be objective about your buying otherwise you could be doing a lot of work for little or no return.

Your plan of attack. Its important to work out how you are going to cover all the stalls in a deliberate and methodical way.

Its always a good strategy to be polite with sellers and definitely let them unpack most of their items before trying to identify bargains!

Take a good look around as some of the more interesting or special items may be out of harms way.

Make sure when buying that items are in good order with no damage as there will be no going back. You typically buy as seen.

Its always a good idea to walk the car boot sale a second time as other sellers may arrived late or you may have missed something interesting on your first visit.

Be prepared to haggle but remember sellers deserve a decent price for good quality items.

Always be polite and smile when you ask the price – it might just get you a discount. Always request a discount if you are buying multiple items.

Do not get carried away in the excitement, consider carefully before parting with large amounts of money

If you are not sure, leave your telephone number with the seller and negotiate after the sale is over if the item is not sold. Sellers often reduce prices later in the day.

Always avoid impulse buys. Stay focused on your original plan.

Its a good idea not to take more money with you than you can afford to spend. Remember buying at car boot sales can become a little addictive!

Never leave expensive purchases with sellers for safe keeping – they may sell to someone else for a higher price.


Be sure to research and evaluate if you have any items to sell that may be of real value. You need to be confident of your pricing. Its always worth looking in your local papers or internet sales to get an indication of similar item prices.

You may need a folding table (pasting table) and be prepared for rain. Plastic sheets if required. Its great if someone else is with you as its much easier to serve and its more fun with two.

Be prepared, get everything ready the night before, check the weather forecast and pack the car. Arrive early.

Always check over your items for damage and clothing for money or other valuables.

You will need small change, small notes, pen and paper carrier bags, a chair and bin liners.

Unless you clear your items quickly you will need food and drink.

Selling at car boots is no place for children.

Consider carefully the location of your pitch and if possible choose a pitch away from any muddy areas or puddles.

Unfortunately items often go missing so be firm and vigilant.

Beware as a seller of people working together where one buyer will try to keep you busy and distract you while the partner in crime is unloading your stall.

Make sure you are not to close to your neighbouring pitch so as to allow people to move around easily. Always keep your car doors locked when you are serving, and your takings in a safe place.

Its a good idea to display your most salable items where they can be easily viewed and examined. Also arrange in themes if possible so there is logic to your stall.

Take a look at your stall from the buyers perspective. Is it in good shape and interesting to the buyer? Is there space to move around the pitch?

For a large pitch arrange a semi circle of stalls as its nice and inviting and gives buyers less chance for their attention to wander to the next stall! Spread your items out so people can see exactly what you are selling.

Be clear and precise on your asking price. Remember everyone wants to haggle.

Be polite and friendly with customers even if sometimes it is difficult.

Always remember your objective for being at the sale. To unload your unwanted items, at a reasonable price as quickly as possible. Charge accordingly!

Plan your selling tactics e.g. advertise ‘buy one get one free’ offers if it suits your purpose.

Stock a few sweets, cans of drinks, tissues and wet-wipes – they are great to offer at the front of the stall to attract mums with small children.

Be ready to offer to take care of heavy or bulky purchases while the buyer continues to walk around the sale. Be sure they make a note of what time you plan to leave.

Always take a reasonable deposit for any items you agree to deliver the buyers address. Take note of buyers telephone number.

Make time to have a walk around the boot sale yourself and grab any bargains you see to replace your stock and add to your profits.

Never knowingly sell or try to sell fake, dangerous or illegal goods.

Be sure to abide by the law regarding what you sell to kids. e.g. do not sell knives, lighter fuel etc to kids.

Always try to be impersonal about your favourite items.

When the sale has finished take all your unsold items home – charity shops are grateful for salable items but not rubbish! Recycle what is left.

Have fun and keep smiling.

Buying a New Car – Tips For Car Buyers

Buying a new car is second only to a home as the most expensive purchase that every individual usually makes in his or her life. In fact, it won’t be wrong to state that buying a car is surely a big investment. Today where the new car market has become more competitive and crowded with various new models, nothing can be more exciting and rewarding then having a right car at a fair price. Today many new cars are being introduced in the market and offered for sale with striking incentives. So it is very important for you as an individual to take care of some of the most vital points that may help you purchase a new car and get the true value for your money. Here are a few important tips and guidelines that you must follow before you buy a new car-

1. The first and the most important element is deciding your budget. You must decide the maximum limit that you can manage to pay for buying a car. And, in case you are purchasing a car by availing a car loan then it is better to decide the maximum EMI that you can pay on your present income. Generally, buying a car also includes various hidden costs such as registration, insurance and maintenance. So you need to consider all these factors, as these expenditures may have an effect on the amount of EMI.

2. Every car has plus points, so it is always very essential to decide your priorities as well. In simple terms you must be very clear about your priorities like whether you want car with high mileage or a car that has great pick up. In fact, the other major consideration that you need to make is whether you want a petrol or diesel car. Both petrol and diesel cars have their own benefits, so give a considered thought and try to be very clear in your priorities.

3. Now, once you have decided your budget and priority, you need to head towards car dealers. However, before heading out to any local or online car dealerships, take some time to do some research and perform some comparison. Pick up a copy of consumer reports or automobile magazines that compare the models of some of the best new cars available in the market. In fact, you may even checkout the new publications at a library or a local bookstore or on the Internet that highlights about new car features. This small step may provide you the vital information on specific car models and determine the car that best meet your needs.

4. Shop around or visit different online auto dealer stores to get the best possible price by comparing models and prices in ads. Perhaps, you may also contact broker-buying services to make such comparisons.

5. After you are done with your homework in relation to knowing the market value of the car you want to purchase, it is time to negotiate the price. You need to understand that dealers may be willing to bargain on their profit margin, but it is a buyers market therefore you must bargain with dealers for a better deal. Never settle on the first car you inspect. Shop towards the end of the month when dealers are looking to get their quotas up.

6. Finally, before finalising the deal, as a buyer ensure that all the legal forms are filled in completely and submitted to the right authorities. The bottom-line is nothing can beat the pleasure and the thrill of driving away in a new car that is yours, but it comes at a price so it is always better to consider the points mentioned above on buying a new car.